SunTrust Bank

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,

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 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: 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: 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: 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: 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 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: 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: 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: 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.

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: 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: 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: 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 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: Suntrust bank tried to cause a NSF situation by placing a hold on a regular deposit when my balance got low but was still in the black to try to generate NSF fees. I was aggressive and proactive and got the problem corrected. had I been passive about this situation it could have cost me hundreds of dollars in false NSF fees.Desired Settlement: Potential customers please be aware of potential NSF scams ran buy Suntrust Bank!!!

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: Banking/ Mortgage My fiancee and I applied for a mortgage with [redacted] of Suntrust Bank on 5/11/2013. Until the date of 7/5/2013, we followed up diligently with [redacted] to see if he needed any additional documentation; arranged all the necessary inspections, appraisals, and even at the bequest of [redacted], had the house painted, which cost us $1800 because without the paint, according to him, it would not pass FHA inspection. We were instructed that FHA was all we would qualify for, although we were never told why. Less than 5 days before the anticipated closing date he called to tell us our loan would not be approved. There was no specific reasoning, just "we can't do it." This is after almost two months of almost daily phone calls and emails where we were told "it is in process, everything is working, the pieces are progressing, and lastly we have everything that we need." I am well aware that these things are no guarantee of a mortgage, we had a contract that was contingent on 30 days or failure to secure financing, and quite frankly, [redacted] led us on by his dialogue, his encouragement for us to pay outright for a $2000 paint job and his failure to caution us at any moment that there was a possibility that it might not go through. After Suntrust declined our mortgage, we contacted two lenders, both of whom advised us within 24 hours of two issues preventing us from getting a mortgage, the largest of which was a date error on a credit report, while seemingly small, is difficult to change many years after the fact. It is my understanding that under the FCRA, it was [redacted] obligation to advise us of why we were declined a mortgage, and to do so within a reasonable time frame, both of which were certainly not the case. Also, he and Suntrust bank were grossly negligent in the advice to continue the process and and pay to have the property painted before the closing date as he was well aware of our 30 day contingency. Please advise me where to turn with this matter. I am absolutely sick over it. We have now lost our $5000 escrow payment because the 30 day contingency expired before we were told we could not get a mortgage, paid $2000 to have a property painted that we cannot purchase, have paid an additional $1500 in appraisals, inspections, and fees. So, at this point, we would love to continue shopping for a home, but have lost $8500 because someone put our application on a shelf and forgot about it. Please let me know where or who I can turn to for help. Best Regards, [redacted]Desired Settlement: I know that I likely will never receive any of the money I have lost, but I feel that there should be some accountability at least to the mortgage department. My fiancee contacted [redacted] boss the day we were told we could not get a mortgage and she told him "that their office was innundated with applications in June." The second time he complained she failed to respond. We did however, receive a form letter at the end of July with boxes checked off as to why we were denied.

Business

Response:

Re: [redacted]

Revdex.com Case Number: [redacted]

Dear [redacted]:

We received your correspondence regarding the above referenced case. However, you did not not include a signed authorization form from the client. Therefore, we are unable to provide you a copy of our response to the client dated August 5, 2013. Upon receipt of the signed authorization form, we will gladly share a copy of our response with your office.

Thank you for contacting SunTrust.

Sincerely,

Officer

Mortgage Escalations Resolution Team

Review: On June 18, 2013 I incurred 4 overdraft fees and a return check fee from Suntrust Bank. The fees equaled 180 (36.00 per item). On Monday, June 17, 2013, I looked at my account balance through mobile banking and noticed that I only had 5 dollars left in my account. I had made several purchases the previous week starting with June 11, 2013 and ending June 13,2013 in which I knew I had money to cover the items. The balance was 5 dollars which matched my own records of recording. On July 18, 2013 my account went over drawn 225.00 which made no sense. I am fully aware that 2 purchases were made that weekend. One from [redacted] mobile for 50.00 and [redacted] for 96.00. So if I had to dispute these 2 overdraft fees I would not because I am aware I did not have money to cover them.06/17/2013RETURNED ITEM FEE$36.00-$224.9006/17/2013OVERDRAFT ITEM FEE$144.00-$188.9006/17/2013CHECK CARD PURCHASE [redacted] $1.50-$44.9006/17/2013CHECK CARD PURCHASE [redacted] #[redacted] $4.07-$43.4006/17/2013CHECK CARD PURCHASE [redacted] $4.64-$39.3306/17/2013CHECK CARD PURCHASE [redacted] $6.30-$34.6906/17/2013CHECK CARD PURCHASE [redacted] $9.96-$28.3906/17/2013[redacted] CASH WITHDRAWAL [redacted] #[redacted] $20.00-$18.4306/17/2013CHECK CARD PURCHASE [redacted] $50.00$1.57On Friday June 21, 2013 I called customer service to get additional information. Four representatives, including a supervisor named [redacted] stated that the fees resulted from several items being over drafted. While I am aware that I had overdraft protection, it is the discretion of the bank to either pay them or return them. But for myself, I know for a fact that Suntrust has never approved any transactions in which I did not have money to cover unless it was gas. They charged me a 36 overdraft item fee for a 20 dollar withdrawal I made at their bank. If in fact my account was in the negative during the time I made the withdrawal it would have denied. It has done it before so this time is no different. I had money in the account to cover that item. In addition they stated that I was charged an overdraft fee for a purchase at [redacted] (9.96) and [redacted] (6.30). Any charges under 5.00 dollars do not get an over draft fee. So if only 4 items incurred an overdraft fee then why have I been charged for 5 items? Even your records are more messed up because the charges make no sense.Desired Settlement: I am requesting reimbursement. Several of its staff has given conflicting information and are just plain rude. I am now still holding with a Suntrust Supervisor named [redacted] She refuses to transfer me to anyone and also stated that she would not refund any items even if the bank did make an error. I am totally disgusted and would like to be treated better than this. [redacted] has had me holding for 1hour and 30 minutes so far and has offered no assistance. I guess I should disconnect now since she has said nothing this whole time. SMH

Business

Response:

Case [redacted]

We have contacted **.[redacted] regarding his concerns. We are unable to provide a copy of the response because we have not received a signed authorization form allowing us to do so.

Review: I am currently in ch7 bankruptcy. On 11/27/15 a company attempted to remove funds from my account in the amount of $294.11. I called suntrust immediately and placed a stop payment on the charge on the same day. The representative informed me that the money would be back in my account on Monday (11/30/15). On Monday, the funds had not been replaced so I called again and was told that the representative spoke in error and the money would be back on Tuesday. On Tuesday the funds were still not replaced and when I called, the bank said they were sorry, but the representative had spelled the merchant's name incorrectly and the payment had gone through. They advised me to contact my lawyer and the company. I contacted my lawyer on Wednesday and was told I needed to go through the bank. Thursday (12/3/15), a fraud case was started. I was unable to get the paperwork to go through so on Friday we restarted the claim and my claim was sent to the escalation department to to try to have suntrust make a courtesy credit on my account until this was resolved. On Saturday, I brought the affidavit to a local branch and had them send the paperwork. Today (Monday 12/7/15), I called and was told that they had not received the paperwork and my request for a memo credit had been denied. Now they are saying it will be up to 10 business days from tomorrow (12/8/15). This would make the possible refund date (12/22/15). This is completely unacceptable since all of this occurred due to an error made by Suntrust! I am a working mother of 3. I cannot afford to wait almost a month for this money to be returned.Desired Settlement: For suntrust to issue a memo credit in the amount removed from my account until the funds are returned to them from the other bank.

Business

Response:

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