SunTrust Bank

Review: I opened an account with Suntrust Bank online earlier this month. I recieved a live check from my job on January 10, 2013 and deposited the check into my banks ATM. I was informed from the website that if you deposit your check before 12pm on friday then your funds would be available the next day. If you deposit your check after 12pm then your funds would not be available until monday. I checked my account and noticed that my funds were deposited but not released. I called about the issue and was told that it wouldn't be released until that next friday the 17th; and it would be available on saturday. I was informed that Suntrust bank holds checks for 9 to 10 days. I could not wait 9-10 days because I have bills that HAVE to be paid. At this point I am not at my place of residence so that my car won't get taken, this bank is now saying that the check was fraudulent and I can't do anything about my funds. They also informed me that they haven't even been paid by the issuing bank, Old Line Bank, but on our end the check has been cleared and the money has been taken from the corporate account. Now I'm informed that the fraud dept waits 5 days before they take a look at what is going on in my account. No one seems to see how this is affecting me. Suntrust has my money and I have NOTHING at all. For them to sit there and not even release my funds after so long, then to also tell me that they are closing my account that I JUST opened is UNACCEPTABLE. I have NEVER had an issue with any bank before I moved to them. I want my funds released, I can't wait another 5 days for someone to do something about this. I've spoken with NUMEROUS people. This needs to be resolved, I need my funds released so I can take out my money and have that account closed. This is the WORST bank I've ever dealt with.Desired Settlement: I want all of my money out of that account ASAP.

Business

Response:

Re: Revdex.com complaint #[redacted]

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

Please close this case in your records.

Review: I use Suntrust's service, [redacted]. I setup a withdrawal for the last day of the month. I also have a deposit coming in every month. At the end of April, [redacted] took out a withdrawal a day early which incurred two fees on my account. A $36 overdraft fee and a $12.50 transfer fee. I called, explained my issue and they agreed to refund one fee, but refused to remove the other even though it was their mistake. I talked to [redacted] (employee id -[redacted]) on the phone and she said she would not remove the fee even though she had the authority. Then I was put on two 10 minute holds and eventually hung up because [redacted] stopped talking to me.Desired Settlement: $12.50 refunded to my account.

Business

Response:

Re: Revdex.com complaint #[redacted]

SunTrust has responded to our client but cannot share the

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

Please close this case in your records.

Review: I contacted the Suntrust Bank of [redacted] to offer a service I help promote. [redacted] answered the phone and before I had the chance to finish my sentence, she stated, "I know what you want and you'll have to call corporate headquarters!" I was taken aback by the tone and harshness of her words. I stated that she might want to consider her phone etiquette, thanked her, and hung up. Ten minutes later [redacted] calls me from the bank and verbally blasted me telling me I am obnoxious and rude. I told her that it wasn't right to call me from her job and treat me that way. I told her I was going to call corporate headquarters. She said "good and you can take your business to the bank of [redacted] and hung up on me.Desired Settlement: Transfer [redacted] to another Suntrust Bank. I have a personal and business account at the Suntrust Bank in [redacted] and I do not want to deal with her again. Retrain [redacted] on how to deal with the public and place a formal letter of reprimand in her file. I also would like a letter of apology from the area leader stating that [redacted] has been transferred and that this type of behavior will not be tolerated in the future.

Business

Response:

SunTrust has responded to our client [redacted] on September

9, 2014 in response to Revdex.com complaint [redacted]. Below is our response.

9/9/ 14- spoke to the client at [redacted] and immediately

apologized for the inconvenience he may

have encountered at the branch. I informed his that this was sent to senior

management (area manager) and that [redacted] will be coached on telephone etiquette.

[redacted] demanded that [redacted] be moved to another branch. I informed [redacted]

that I cannot discuss disciplinary actions as they are internal so I cannot

guarantee him his suggest will be honored but it has been received and reviewed

by management. [redacted] understood my position but it not happy and will be

closing his accounts.

Consumer

Response:

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

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

Regards,

I asked the leadership at Suntrust Bank to move the employee in question to another branch so I would not have to work with her. They refused, saying I could go to another branch.

The employee got off of this incident with a slap on the wrist.

Future business owners should realize that the employees at Suntrust get to treat clients like they want and can get away with it.

Review: On 10/7 and 10/8, Suntrust changed me almost $300 in over draft fees. I think this extreme for a long term customerDesired Settlement: I would like my money back.

Business

Response:

Dear [redacted]

We have received and reviewed your correspondence forwarded

to us by the Revdex.com regarding fees on the above referenced account. We appreciate

the opportunity to respond.

Our records reflect that on October 7th your beginning

balance was $874.54, five items totaling $874.54 were posted to your account

that date and then six debit card transactions were presented for payment against

unavailable funds. These six transactions were all authorized prior to October

7, 2014 and when they were presented for payment they were paid with each item

receiving a $36 Overdraft Fee. On October 8, 2014, two debit card transactions

were also authorized prior to October 7, 2014 and two more $36 Overdraft Fees

were assessed.

Concerning debit card transactions, once a debit transaction

is authorized, a hold is place on the client’s account reducing the available

balance. Funds on hold for pending debit card transactions cannot be used for

other purposes even though the transaction has not posted against the account.

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 nothing

all authorized debit transactions, including pending and credits to determine

their available balances. Detailed information concerning this matter is

including on page 17 and 18 of our Rules and Regulations for Deposit Accounts

([redacted]) provided at account opening and on our website [redacted] ([redacted])

Our records further indicate that you accepted Overdraft

Coverage for your account on August 17, 2010. Information regarding Overdraft

Coverage and the related fees are explained on the last page of our fee

schedule, a copy of which is [redacted].

[redacted] you are a valued client and we hope this information

is helpful to you. As a courtesy, we refunded the two Overdraft Fees assessed

on October 8, 2014, for a total refund of $72.00. You will see this refund on

the [redacted] snapshot statement of your account. If you have any additional questions,

please call us at [redacted]. One of our representatives will be glad to assist

you. Thank you for banking with SunTrust.

Sincerely,

Consumer

Response:

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

Suntrust is not doing anything for me. I had the $72 before I filed this complaint. If they value me as a customer, they would give me my money back. However, it appears that Sun Trust values the money they took from me more than me as a customer.

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: 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: I Opened a suntrust saving and checking account online I was told that that the fastest way to fund my account was by giving my routing and account number so they can pull the funds from my other bank account. I gave my account information they sent info to my bank ([redacted] ) for funds. my bank sends me and email stating that I am not allowed to do transfers on my account. I call suntrust to apologize and told them that I can fund my 600.00 deposit to my account thur my debit card or send a money order they said no don't send any money wait for a letter in the mail. I get my suntrust card in the mail and called to activate it and they told me my account is closed and I have to wait again for a letter in the mail. which I never received I called the branch several times only to go from department to department with no answers so I took my business else where I opened another account with another bank only to be told that they had to close my new account because suntrust reported me for fraud. I called suntrust 02/18/2015 and they finally tell me that they closed my account due to fraud. im in total shock after I told them that I can fund my account another way this is not fair and is untrue. I wish I would have listened to the online reviews and I wouldn't be in this pickel

thank you please help reveal the truth.Desired Settlement: Please remove the false information they reported about me to early warning system (earlywarning.com) and chex systems.

Thank you

Business

Response:

Please see attached

Business

Response:

Dear Ms. [redacted]: We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding the closure of the above referenced accounts and our reporting of your checking account to Early Warning Systems. We appreciate the opportunity to respond. Our records reftect that your checking account was opened via our website suntrust.com on January 31, 2015. On February 2, 2015, we received a $600 draft from your account at JPMorgan Chase to fund the SunTrust account However, on February 5, 2015 the item was returned "refer to maker" and a $12.50 deposited item returned fee was assessed. This left an account balance of negative $12.50. On February 6, 2015, your savings account had a balance of $1.00. The balance was transferred from your savings account to your checking account, and the savings account was closed. Thls transfer reduced the checking account balance to negative $11.50. On February 9, 2015 the checking account was closed with an amount owed to SunTrust of $11.50.The decision to close the account was a business decision made by SunTrust. We reviewed your case again and based on the information provided, the closure of your accounts and our reporting of the checking account to Early Warning Systems will remain. [redacted], should you have any questions, please call our Fraud Assistance Center at [redacted]. A representative will be glad to help you. Sincerely, [redacted] Assistant Vice President Client Advocacy Tearn

Consumer

Response:

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

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

Regards,

Hello here is the prof that I had the money in my account to cover my check and that there is no fraud. a copy of my bank statement is enclosed and a copy of the check that sun trust sent back to me.

Review: The company rearranges bank transactions which have resulted in multiple overdraft charges that our not legitimate.Desired Settlement: I'm asking that the total amount for overdrafts for the month of February be returned to me.

Business

Response:

Re: [redacted] Revdex.com Case [redacted] We responded to Mr. [redacted] by letter on February 24, 2015. If you have any questions about our response, please contact Mr. [redacted]. Sincerely, [redacted] Vice President and Manager Executive Services

Review: In March 2015 I applied for a loan under a promotion offered by Suntrust with a 2.99 annual interest rate until December 2016. This interest rate applied only to the initial withdrawal. My application was accepted for a maximum of $57,000. At closing, I explained the branch manager that around $31,000 will be used to paid for another loan I had with another company but I would like to take the remaining amount under the promotional rate. He explaned I had to go to the suntrust offce three days later to pick up the check. At the agreed upon date my wife went to the suntrust branch to pick up the check and deposit it into my check account. Few days lated, I got a by mail a letter fom the bank with a copy of the check stating that it was returned. Apparently the peple on the brank did not included the account information. I return to the branch, they told me it was a mistake on their side and they will fix the probem. Few weeks later, I got the first statement, which stated a hgher interest rate for the check they returned and included additional fees for this withdrawal. Since then, I have been in the branch three times, all the time they said they will fix the problem by changing the interest rate to 2.99 and reimburese the fees and the extra interest I paid. So far, the have not fixed the problem nor reimburse fees nor interest. I called the customer support line, on April 16, they said the problem will be escalated and will be contacted within 48 hr. Again, no resolution and no one has contacted meDesired Settlement: apply the correct interest rate of 2.99 retroactive to the date I got the loan and reimburse me all the fees and additional interest paid

Business

Response:

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

Review: When I paid off my car loan, SunTrust was not able to provide me a title to the car. I was informed that they lost the title and that I would have to go to DMV and pay the $80 duplicate title fee in order to receive my car title. How can a large bank lose a car title and then excpect the customer to pay for it?

Business

Response:

We responded to Ms. [redacted] by letter on April 30, 2015. If you have questions about our response please contact Ms. [redacted].

Review: I paid my Insurance via website. I received confirmation #[redacted] informing me that it was paid on 3/25/2015; however, I received a noticed from my insurance company stating it was sent back NSF by SunTrust on 4/7/2015. Now SunTrust states they never received a presentment in the amount 244.45 on 3/25/2015; however, I have the confirmation from my isnurance company as to the payment and the NSF. On 2/26/2015 I made another payment via website in the same amount 244.45; however, SunTrust reflects that the payment was made on 3/2/2015 and this is not correct. Something is wrong. It cause me to loose my insurance.Desired Settlement: I would like SunTrust to adjust that transaction that occurred on 3/25/2015 and contact my insurance company with accurate information.

Business

Response:

We responded to Ms. [redacted] by letter on May 1, 2015. If you have any questions about our response, please contact Ms. [redacted].

Consumer

Response:

I have reviewed the 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.

SunTrust told you that they responded to me by letter on May 1, 2015. They told you that if you have any questions about their response, contact me. This is to inform you that I have not received any letter correspondence from SunTrust dated May 1, 2015. The last letter I received from SunTrust was dated April 7, 2015, which it informed me that I was to recevie a temporary credit for $600.59 from [redacted] and it will appear on my next statement. This have yet to occur.

Review: For the last 5 years I have been dealing with Suntrust Bank who holds the loan on my Vehicle. They have continually harassed me saying I didn't pay my payment, it was late;etc. I believe that someone does not do their job correctly and now I am being threatened with repossestion of my vehicle because I am accused of not sending my June and July payment. I sent June payment in form of check which never cleared my bank however when I called about the letter I received they also claimed I didn't submit July payment and basically called me a liar. That same night that check for July went through my bank and cleared. Recently, due to an audit of some sort, I received a check from Suntrust for$ 316.00 due to their explaination that I had been charged late fees incorrectly. I believe they are holding my checks to get a late fee from me and also that someone has thrown my checks away on 2 occasions because this has happened to me before with them. I owe 12 payments on a 72 mo loanDesired Settlement: To have Suntrust stop ruining my credit and do their job correctly. Also late fee adjustments

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 problem is the fact that when I use my debit card the money comes directly out as it should, but a few days later SUNTRUST recycles those transactions as if they never took place. I check my account onions showing that I have a positive balance. A few days later my account is end the negative because of the reycyled transactions on top of new transactions. They are basically manipulating me to believe I have a set amount in my account then it changes overnight without your knowledge due to the face that I checked it earlier in the day and everything seemed normal. Then over a set few days u come to find out they are basically setting u up to spend money u do not have. Then charging you 36 dollars each time they claim that you have a man overdraft. I'm not saying I haven't ever overdrawn knowingly but that that recycle transactions to make it seem as if you overdrafted with at least three transactions even though the transactions took place with a positive amount in my account and before there would be any chance of such small a transactions sending me into the negative. They are basically charging me twice for one single transaction, they charge me the day of the transactions, recycle it then charge me again. Then I check my account to find that I'm in the negative by 590. When I had a bill set up in the amount of 275 which would send me in the negatives but I knew of this and of one other transactions that would cause me an overdraft fee, but they are charging me for thing left that were actually pay for days prior to the bill coming out. So they recycled those prior transactions to make it seem as if I was continuing to pull money from the account after overdrafting which is not the case. They are ripping people off by double charging themDesired Settlement: I would like my money back in my account.

Business

Response:

SunTrust has responded to our client but cannot share the

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

Review: I am filing a FTC Report and also I will be filing with the Attorney General office. This is a business account and I have never seen such abuse by a bank like I see with this bank and I will have a LAWSUIT FOLLOW. On 9/09 I contact this bank because of a few thing I observed with my account. I noticed that I made a deposit into my account on that day to pay a bill Exactly $40.00 I went to the [redacted] shop to pay for a computer we have in repair and the money was debited for this. The next day I checked my account and to my surprise I was billed Six overdraft fees each fee for items that was billed and not pending but deducted on that same day. I called the bank and was told this is a processing error and that the bank fixed this error by depositing $266.00 into my account. The bank also refunded my maintenance charge and advised me that this would not happen again. I have banked with other banks and I found it appalling that this bank would not even wait a full business day to let the consumer deposit money before billing them for each charge. However this week 9/14 I had a few things come out of my account however each time I made sure money was in my account to clear my balances. I went to [redacted] and a few other places and the money was there once I swiped my card enter the debit number I will check the account again and the money was deducted from my Balance. Now this week 9/15 I check my account and it is overdrawn $266.00 I contacted the bank and what I am being told is absolutely appalling and I will not deposit a DIME into this account however file bank abuse with the AG office in Virgina. Has a customer you check your account and make sure you have funds to cover when you go into store or somewhere to purchase anything. I look at my account and once again this bank is abusing my account by charging me for transaction a WEEK Down the road. I have never banked with no other bank that has practice like this you either charge your card and the money is deDesired Settlement: cont... Deducted however this bank is stating that they charge the card but then there is a pending transaction. This is kind of practice is deceiving because I see the transactions has already been deducted from my balance. Also this doesn't make sense neither because what I am being told is that because a fraudulent charge came out this is why the bank is charging me fees. I called the bank to have the card blocked and they stated they couldn't help me with the fee. The next day my card was hit all the fees just like the week before but because I didn't put money in there within one day they can take advantage and abuse my account. I also contacted the companies that these charges came from and they stated that this banks practice doesn't make sense and I refuse to hear it because there is money in here when the card is charged how can you approve them a week later charge me a fee. I would like to reimburse and also a courtesy credit for the rude and revolting rep.

Business

Response:

Dear [redacted]:We have received ad reviewed your correspondence forwarded

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

the way pending transactions affect your available balance. I appreciate the

opportunity to respond.Our records show that, on September 14, 2015, your beginning

balance was $89.82. A pending debit from [redacted] for $35.00 reduced your

available balance to $54.82. An ATM deposit for $5.00 increased your available

balance to $59.82. on the same date, nine debit card purchases, totaling

$75.28, were presented for payment against your account. Given that there were

not enough available funds to cover all of the items, you were charged five

overdraft fees, totaling $190.When you contacted our representative on September 15, 2015

regarding the assessed overdraft fees, you advised her that you were disputing

the $35.00 pending [redacted] charge. The disputed item did affect your available

balance on September 14, and she refunded the $190 in overdraft fees to your

account. You also received a disputed credit of $35.00 on September 18, 2015,

and it is also reflected on the [redacted] statement.Concerning debit card transaction, once a debit transaction is

authorized, a hold is placed on the client’s account reducing the available

balance. Funds on hold for pending debit card transactions cannot be used for

other purposes even though the transaction has not posted against the account.

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 mist maintain accurate account records noting all authorized

debit transactions, including pending and credits, to determine their available

balances. Detailed information concerning this matter is included on page 41 of

our Rules and Regulations for Deposit Accounts. Our Rules are provided at account

opening and on Suntrust.com.I apologize for the processing error that occurred involving

your $40.00 cash deposit on September 8, 2015 and regret any inconvenience that

may have caused. Your account was credited for the deposit on September 9,

2015. Because we were aware of the error, your statement does not reflect any

overdraft fees for September 8, 2015 or any processing corrections.[redacted], we hope this information is helpful to you. If we

may be of further assistance, please don’t hesitate to contact us via your Online

Banking Profile, call us at [redacted] or visit any SunTrust Branch. Our representatives

will be glad to help you. Thank you for banking with SunTrust.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

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,

I would not recommend Suntrust to anyone, especially those that carry a low balance in their checking accounts. Their customer service is near non-existent and no one their can help you resolve problems. Suntrust is not customer oriented and do not consider loyalty when handling customer issues. They will take your money and will tell you you are not "eligible" to get any of it back. The online banking system is a joke and the processing and posting practices were created with the sole purpose of creating overdrafts and thus charging an unnecessary number of NSF fees, which no one is eligible to receive back. Instead you may receive a response that states you should have kept a bank registry, but what they will not admit to is that even with a proper written/managed registry, when debit/credit transactions are not posted in the manor in which they were initiated (instead posted highest to lowest and when the funds are retrieved by the merchant-any from three to five days later), it is near impossible to keep track of your bank account.

I will never recommend this bank to anyone.

Review: On 07/20/14, I received my Suntrust credit card bill with a charge for $116.60 from [redacted] that I did no make. I contacted [redacted] & spoke with someone named [redacted] & was told they had no record of this charge, therefore they could not help me. I then contacted Suntrust & spoke with [redacted], she forwarded the forms needed for me to dispute the charge. I completed the forms & returned them 07/23/14. I heard nothing re: the status of my dispute, so on 10/01/14 I again called Suntrust & spoke with [redacted] & was told there was no resolution yet. On 10/17/2014, I received an email from Suntrust regarding my "recent dispute inquiry". The email went on to say that "customer requests are usually resolved within 30 days. Obtaining documents from the merchant may require up to 45 days. ...if we have not been able to resolve your request we will update you". On 10/20/14, I again called Suntrust & spoke with [redacted]-she said an escalation was submitted. On 10/24/14, I again called Suntrust & spoke with [redacted], and was told the credit should show up on my next statement (closing date around 11/10/14) & she would follow up with me by phone 11/12/14 @ 11:00 am. Around this same time I went to my local Suntrust branch & spoke with [redacted] (sp?) & she was unable to help me. On 11/13/14, I again contacted Suntrust & spoke with [redacted] & inquired why I had not been contacted by [redacted] as I was expecting. She said she sat directly across from [redacted] & asked her why, [redacted] stated that nothing had changed so she didn't call. I then spoke with [redacted] and was told enough time had not passed for Suntrust to have resolved the issue. I again contacted Suntrust on 12/01/14 & spoke with[redacted] & was again told not enough time had passed. I am at my wit's end, please help.Desired Settlement: To have the disputed charge removed from my account.

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:

From: [redacted] <[redacted]>Date: Fri, Jan 23, 2015 at 10:20 AMSubject: Re: You have a new message from the Richmond Revdex.com complaint #[redacted]To: [redacted]

This has been resolved. Suntrust credited my account for the disputed amount. Thanks so much for your help.

Review: I mailed a check $9000.00 to SunTrust for deposit on 3 July 15. The check was issued from the [redacted]. I called on Tuesday, 6 July 15 to see if the check could be released and the funds deposited into my account. I was told the check has not cleared the bank yet (Capital One) and the funds could not be released and I should call back tomorrow. I received a call from the issuer of the check on 8 July 15 informing me the check had cleared the casinos account and the funds are taken from their account. I then called back to Sun Trust and spoke with a manager name [redacted] who informed me that my account has been closed, and he could give me no information on the account and why it was closed. I was flabbergasted! I asked what I had done for SunTrust to close my account. He explained that he had no information and a letter would be sent to me in the mail. I then elevated the call to someone who I am assuming is a superior of [redacted]. He said that person would give me a call within 24 hours. I received a call from some lady from SunTrust at about 9:00 p.m. my time explain to me basically that my account was closed and she could not give me a reason either. As of today, I still have yet to receive this mysterious letter and my funds are being held hostage by Sun Trust. I just called a moment ago and they told me to call back in the am and They will see about putting my account back in an active status.Desired Settlement: I would like to know why SunTrust would do this to me as if I am some criminal or something and is it common practice for them to treat their customers like this? I am very frustrated, as well as had to cancel a trip because they have held my funds for the last 8 days and will not give me any information as to what is going on with my funds or account. I am only being told that I will be mailed a reason as to why my account has been terminated. I have never been treated this way by any financial institution and would like some explanation.

Business

Response:

We have received and reviewed your correspondence forwarded to us from the Revdex.comregarding our decision to close your above referenced account. I appreciate theopportunity to respond.According to our Rules and Regulations For Deposit Accounts, which is provided ataccount opening and is available on our website suntrust.com (see About Us--+FeeSchedules--+Deposit Account Disclosures), "the Bank may close your Account at any timeand for any reason or for no reason without advance notice." [redacted] are pages 22 and23 of our Rules for your review.Your account was placed in a "no debit" status and in the process of being closed afteryou deposited a check for $9,000 that was credited to the account on July 7, 2015.1understand that, after you discussed your account with Ms. [redacted]manager of the [redacted], she was able to assist you with keeping the accountopened.When you spoke with Ms. [redacted] on July 16, 2015, she confirmed your accountwas active. In addition, she was able to reset your online banking and verified that yourdebit card was working.Mr. [redacted], we are pleased that we were able to assist you. If you have any questions, donot hesitate to contact us via your Online Banking Profile, call 800.SUNTRUST[redacted] or visit any SunTrust branch. Our representatives will be glad to help you.Thank you for banking with SunTrust.

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: Opened a new account aprox. four months ago. It was suggested by the bank mgr that we should use their credit card system. Met with the rep. and was sent the hardware. We contacted the activation dept. at their request, to activate system. After trying to implement using two phones, they decided that their equipment was defective and they would send us a replacement. In the mean time I contacted the rep to find out why the replacement equipment was not received, and after a discussion, I decided that we would not implement their service. Fees were charged. Although I have placed numerous calls to many individuals, I have had no response. The bank mgr has also called and e-mailed several times with the same result. I have been charged for the service for the last four months, (although we have never used it) and shipping charges for defective equipment. I want the charges to stop and a refund of all of my current and future expenses. My last contact was 8/17 via email. They promised to contact me within two days. Nothing.Desired Settlement: Cease current charges and refund prior charges

Business

Response:

Dear [redacted],Please accept this letter on behalf of SunTrust Merchants

Services (“STMS”), in response to [redacted], complaint to the RevDex.com, dated August 26, 2015.Following our investigation into this matter, seemingly the

basis of your complaint concerning equipment and service fees assessed against

[redacted] STMS account.A review of your account determined that the equipment that

was purchased was not compatible with your cellular device. On July 15, 2015 a

credit got $34.80 was processed to your account. This refund was for shipping

and handling charges billed to April and 3 months of your monthly processing

fees. An additional refund in the amount of $43.50 has been processed and will

be posted to the checking account in file in the next 3-5 business days. This refund

it for the additional shipping charges and taxes assessed when replacements

were sent.To confirm, [redacted] does not wish to continue this

business relationship and the account was closed on June 26, 2015.I trust the foregoing adequately resolves your complaint. As

such we will close out file on this matter. If you should require additional clarification,

and or have questions regarding the above, please contact SunTrust Merchant

Services Customer service at [redacted].Best Regards,[redacted]

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,

Thank you for your assistance in resolving the issue with Suntrust Bank. Based on my September statement, it appears that the matter has been concluded. Should further issues appear, I will contact you. Again, thanks for your support. [redacted]