SunTrust Bank

Review: since 08/08/2014 to 10/28/2014

I have got 972.00 in nsf fees

cannot get a correct answer only what they want to tell me

for example 10/27

I was charged 5 nsf fees for debits that posted the friday before

previous days I have been charged for items that posted days prior

they tell me that there is nothing that could be done

this bank is just working the systems at their convenience. things are always something different

nsf fees online does not match up to when they posted

items post when money is still in there and still get nsf

dont make since ... its getting old the bank is doing whatever they want to get money from people that are already hurting for money

here are what they start online[redacted] these dates either dont match up or charges dont match up 09/05 was on 09/08 date 09/08 was 09/05 so forth

Additional Information

10/27/2014 Overdraft/Returned Items Information

10/17/2014 Overdraft/Returned Items Information

10/16/2014 Overdraft/Returned Items Information

09/26/2014 Overdraft/Returned Items Information

09/15/2014 Overdraft/Returned Items Information

09/12/2014 Overdraft/Returned Items Information

09/08/2014 Overdraft/Returned Items Information

09/05/2014 Overdraft/Returned Items Information

08/08/2014 Overdraft/Returned Items InformationDesired Settlement: I would like all or some of nsf fees , returned items and so forth returned

Business

Response:

Re: Revdex.com complaint #[redacted]

SunTrust has responded to our client but cannot share the

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

Please close this case in your records.

Consumer

Response:

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

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

I see that a total of 360 has been credit from 10/27

I think it would be fair to bring my account current is for more fees to be credit

Review: As a Suntrust Mortgage customer, I am writing to you to share that I am not a very happy customer. Over the past several months I have learned continually that my account is just an account and nothing more than a number to you. This upsets me greatly. I have [redacted] to this letter 2 additional letters which show that Suntrust is aware of their error in affecting my credit by incorrectly labelling both of us as non-payers with our mortgage. In December Suntrust acknowledged this and shared with us that this would be rectified. Another letter was received in January to share that this error would be corrected and yet still now, in March the credit bureaus are not able to see any corrections from Suntrust. In calling Suntrust, I am told that they are sorry I need to write in again and have my account reviewed, even though customer service can clearly see that the error is from the Suntrust side and not ours. Further, besides my time being wasted in sending letters, our opportunity to make purchases is delayed as Suntrust is holding down my credit. This is not acceptable. At this time, both of our credits are affected and as we are trying to purchase a new house, we are not able to as we have 16 non-payments showing on our credit. This is not how you treat a customer, especially one who is paying, has not missed a payment and who desires to maintain a positive credit report. Yet, all that has occurred from the errors at Suntrust is that both of our credit scores have plummeted, we cannot obtain a home loan at the rate we want and frustration continues. Since our Mortgage is with Suntrust at this time, we need you to contact the credit bureaus and have our credit statements adjusted so that they show all of the mortgage payments as on-time never missed a payment from the beginning of our account up until today. We also need you to have these altered immediately and not within the 30 days window (rapid-rescore) so that we may move forward with our home purchase. A copy of this letter is also being sent to each credit bureau as this problem is something that we have been trying to correct since October of 2013. RespecfullyDesired Settlement: We desire: 1) For Suntrust to Contact each Credit Bureau and have our credit reports updated correctly to show 0 late payments. 2) To write an apology letter to us for all that we have been through in dealing with their error

Business

Response:

Dear [redacted]:
We have received your correspondence regarding the above referenced case. However, you did not include a signed authorization form from [redacted]. Therefore, we are unable to provide you with a copy of our response to [redacted] dated March 20, 2014. Upon receipt of the signed authorization form, we will gladly share a copy of our response you’re your office.
[redacted] if you have any additional questions regarding this letter, you may contact our Mortgage Escalations Resolution Team at [redacted], Monday through Friday from 8am to 6pm.
Sincerely,

Review: They have charged me 2 overdraft fees but my bank ledger doesn't show that my current balance put my account in a negative balance. I went to take money out of the ATM and my balance was 101.15 so I withdrew $100 I than was charged a $38 over draft fee but I was never over. I just want these fees reversed. I have had several problems with this bank and several bank errors that resulted in me being reported to early warnings when it was a bank error.Desired Settlement: I would love 2 of the $38 overdraft fees reversed

Business

Response:

Re: [redacted] Revdex.com Case [redacted] We responded to Mr. [redacted] by letter on June 2. 2015. If you have any questions about our response, please contact Mr. [redacted]. Sincerely, [redacted] Vice President and Manager Executive Services

Review: I have an account at SunTrust bank and a safety deposit box. A renewal fee for the safety deposit box was charged without notice resulting in my balance falling below $500 and triggering an account maintenance fee. I had called 2 times in two separate months after the charge occurred to have it reversed with a promise the fee would not recur (i had asked specifically both times what if anything more I should do to ensure the fee didn't recur and they told me nothing else needed to be done). On the penultimate call the customer service representative specifically placed a note on the call indicating that the fee would not be charged again. I was busy as well as on vacation so did not have reason/opportunity to spend much more time on my accounts until later and the fee was charged 3 more times in subsequent billing cycles. Despite this the fee was charged again and when I called back to have the fees reversed they said they could not do that.Desired Settlement: Refund of $21

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.

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: Our debit/credit card was used fraudulently at several establishments we assume that it was duplicated by some form of device. I informed my bank that the charges were not mine and initially the bank credited the money back to my account but after a review they denied my claim and charged my account for the fraudulent charges citing that they believed there were inconsistencies in our claim. My husband and I were told that the only way to recoup our money would be to file an appeal detailing the transactions so we did. We even explained to them that in our initial claim we had missed some charges that might have actually been ours but we corrected that information. Suntrust's claim department told us that our case would be reviewed and we should received an answer within 45 days. We called the claims department several times during this process only to be told that our case was under review and we wouldn't know anything until the 45th day. We then called back on the 45th day only to see that the case had not been reviewed and they had no notes in the system at all pertaining to our claim. They claim that they sent an escalation and that we should hear an answer within 24 to 48 hours. We called back exactly 48 business hours later and they still had not even notated that they were reviewing the claim. The claims reps I spoke to on the phone said that she was sending another escalation but said that sometimes they don't even review the claims and that's probably why we hadn't heard anything from them. At this point it has been almost 50 days and there is still no resolution and I've read reviews from hundred of other customers that have had the same or similar problems. It seems as if Suntrust has been blowing people off and not settling claims. We pay for fraud protection every month and are not receiving the services as promised. I would really appreciate some help in this matter because my money was stolen and this company does not want to give it back.Desired Settlement: I think Suntrust should refund my money. I pay for fraud protection but they don't seem to think that they should honor the services we pay for. I would also like an apology for thecompany

Business

Response:

We responded to [redacted] by letter on October 14, 2014. If you have any questions about our response, please contact [redacted].

Sincerely,

Vice President and Manager

Executive Services

Review: I have had an account with Suntrust for 2 years.

I noticed 6 check transactions that were written and signed with my e-mail address

Suntrust says they are investigating.

They have yet to give me an explaination on why they let these transactions happen.

The company that had access to my account is call VOIP Services which I have never heard of and never have done business with them.

Suntrust allowed these transactions without my permission and they signed with my e-mail address.

One of the fraud supervisors told me they did not want to look bad for not catching the transactions.

The only reason why I noticed was because I started online banking in Sept 2015

Thats when I notice 6 check fraud transactions for VOIP for $39.75.

[redacted]Desired Settlement: To be resolved

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 parents (age 81) moved to Florida in 2013, and went in to Sun Trust Bank, Hernando FL office to open a simple checking account. They were convinced it was in their best interest to invest in one of their in-house investment accounts, and did so. Against their wishes they were also signed up for a home equity loan, which they both indicated they not only did not want, but did not need. The paper contract was shuffled in with the investment paperwork, and signed and notarized without them realizing what they were doing. They have never used a cent, and want the account closed. They advised my mother she would have to pay a $500 penalty to close an account they never wanted opened in the first place. This is a classic example of people taking advantage of trusting seniors.Desired Settlement: DesiredSettlementID: Other (requires explanation)

Close the account, without penalty, and remove the lien they placed against the home.

Business

Response:

SunTrust has responded to our client, but cannot share that response with Revdex.com as no signed third party authorization form was received. Please close this case on your records.

Consumer

Response:

Sun Trust contacted my mother, and VERY rudely told her that she signed the papers willingly, and they did nothing wrong, however, they did close the account without charging her anything. Interesting note ... just last week, well after the account was closed, and she received written conformation of such .... she received the VERY FIRST monthly statement for that account. They were deliberatly not sending out statements in effort to conceal this account from her. These people are TOTAL snakes, and will stop at nothing to rip off seniors.

Regards,

Review: Suntrust changed my policy without alerting me which lead to account charges. When I questioned them about this (and the charges related to this), the manager at this location said he would remove the charges related to this change. I assumed this was done and forgot the matter.

I found out recently that the charges were still active when I went to the branch at [redacted] and was told my account was closed and that I owed them money. I had my child with me so could not continue fixing this issue during that trip; the assistant manager at this second branch said if I came back at another time they would take care of it, remove the charges, and open an account for me. I returned a few months or more later and was treated extremely rudely by another assistant manager who told me they would not resolve any of my issues and would not reopen my account.

Since I was promised this would be taken care of twice I am filing a complaint here.Desired Settlement: Removal of Charges, Reopening of Account

Business

Response:

We responded to [redacted] by letter on September 29, 2014. If you have any questions about our response, please contact [redacted].

Sincerely,

Vice President and Manager

Review: I had an available balance on my personal checking account for $16.49. I made a transaction at a [redacted] location for $9.40. I was left with an available balance of $7.09 and on the same day the transaction of $9.40 from [redacted] posted the bank assessed me a fee of $36.00 dollars even though I had the available balance on the checking account. I called customer service today and spoke to a representative first and later a supervisor and both neglected to help me. Neither one of them wanted to refund the fee of $36.00 dollars back to my checking account.Desired Settlement: I would like to be refunded for the overdraft fee of $36.00 dollars that I was assessed to my checking account. I don't want any explanations!!! I just want the fee to be returned plain and simple. Thank you for taking your time to read this and I hope my matter gets resolved.

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: The customer service for this company is horrible. Through many different instances, I have not once received help from this company.

The first problem with the account [redacted] began when I was setting up automatic payments for my loan when leaving for Basic Training for the [redacted]. I was given confirmation that everything was set up before I left then found out after graduating, a couple months later, that the loan was not paid while I was gone which was reported to the credit bureau. After finding out I immediately paid the amount due plus all of the late fees. I tried to speak with someone about not having it affect my credit but after speaking with many different people who stated that there was not anything they could do nor knew to do, I left it alone. Now since my car was totaled out, it should have been paid off by the insurance and gap insurance company but since it was not I was tried to figure out how I can get the payments lowered because I have another car payment that is twice as much as that payment. (4/8/15) I was transferred to a plethora of departments who all told me that they could not help me and kept transferring me to other departments. After the first few transfers I was hung up on. I called back and began the transferring process all over again. Just about an hour later, I was transferred all the way back to the beginning prompts. Every employee I spoke to was not knowledgeable about anything dealing with who I should speak to, what could be done, nor any higher ranking employees who would be able to assist. The car was bought December of 2013 and was a [redacted].Desired Settlement: I need to speak with someone who is knowledgeable about their job and able to help me out without giving me the run around. I am trying to get away from this company as soon as possible and not have to deal with them ever again. I need this not to affect my credit once more while also having that mishap of theirs taken off of my credit report.

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 authori:iation was received. Please close this case on your records.

Review: From August 2-4 someone or the bank took money from my account using an ATM in another city totaling $1,443.00 I never lost me card or gave it to any one to use. I even had been using my card those 3 days after noticing the money was missing I called Suntrust and told them every that happen I was told not to worry they would investigate the matter and credit me back my money. I was emailed an affidavit to sign and fax back which I did the same day I waited 24hrs to call and confirm they received I was told no try again so I went into a branch and faxed again was told it was sent waiting 24 hrs to confirm was told nothing received went in the branch again sent again waited 24 hrs this time they received. I was told by the very first person I call at the bank to report the money that it would be 10 calender days for them to complete the investigation and I only needed to complete the affidavit. after a few days I called to check the status and another rep told me 10 business days and that if I'm sure I don't know the person who might have taken the money out. When I mention someone in the branch told me I could file a police report I was told why would I do that unless I know the person who did it and therefore a crime had been committed and I should then file a report but only if I know who it was. Waiting a few more days called to check the status then was told by another rep it would be could I do the police report cause sometime the investigator may ask for it and it would be good to have. frustrated I asked do I have to go to the other city to make the report or can I do it local I was told local would be fine. So I went to my local police and they told only the city where the crime happen if its crime or bank fraud that they would only be able to do a information report and that I would have to travel to this other city where the money was taken out I didn't do anything wrong I never left my city and was in possession of my ATM card I was using my card the whole time Some one or the bank is trying to steal my money which I need for my sons schools fees which were due last week and he's autistic and needs to attend a special school which if I loose my slot I'll have to join a waiting list againDesired Settlement: I only want that which is mines nothing more nothing less

Business

Response:

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

Please close this case on your records.

Consumer

Response:

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

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

Regards,

Review: 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]

Review: Suntrust advertised back in February that they would deposit/credit $150 to your checking account if you opened up a new checking account. The conditions were to have direct deposits totaling &1000 in the months of March and April and make one payment through billpay during those same months. I have complied with the conditions but keep getting the run around trying to collect the $150.00. I've call the 800# for Suntrust and was referred to the branch location. I called the branch several times and have gone in twice to follow up on this and every time I'm told the manager will give me a call. Well I've never received that call. I'm just asking for what your ad claimed.Desired Settlement: $150.00 credited to my checking account as promised and advertised.

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: The bank has given falsified information on their online banking that has resulted in me being charged outrageous fee's due to that fact that their online statements lead me to believe I had sufficient funds and then argued that I was in the wrong when I was trying to right the situation and pay what should've only needed to be paid. I have photo graphic evidence.Desired Settlement: All I wanted was for the unnecessary fee's to be waived and then have the account closed cause this is not the first time this has happened not would it be the last time.

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 a Suntrust customer for quite sometime. Back in 2011 when federal banking fee regulations took place suntrust kindly called me to inform me that they would start accessing the account a month "debit card fee". At the time of the called I informed the rep how I didn't agree to these terms and if they were unable to wave them I'd be forced to move my business elsewhere. They informed me they could do nothing about these "fees" that were about to take place. I at that time laughed as I stated they were going to lose a bunch of customers as many other banks were still offering no fee checking/savings. The next day I went into a branch to close my account. They asked me what was going on and I explained. The lady informed me that all I had to do is fill out a withdraw slip for the amount that was in the account (which she provided to me) and she would make the withdraw and close the account. I walked out with my cash that was in the account to open a new account else where. About 3 months later I get a letter from suntrust that my account has been over drawn and I needed to make a deposit. Needless to say I was a bit baffled as I left the branch with them confirming to me that the account was in fact closed. A side from that I way before had informed suntrust I didn't want them to honor transactions if the funds were not in the account. After another 2 weeks they said they have closed my account and tacked on another fee for extend overdraft in total of $180.00. I contact suntrust and informed them I did not authorize them to reopen my account nor did I authorize these transactions and that the fees needed to be refunded and the account closed. The rep informed me they keep accounts open for quite some time after a request is made to close them in the event the customer forgets to change over payments and such. I call bs as it sounded more like a way to profit from fees. The rep informed me that I would have to pay the fees to have the account closed and I informed her that I would not pay fees that I didn't cause. I was at work so it was hard to keep playing the game she was playing going "round and round". Some time had passed and I completely forgot about the fees and account, now a collection account appears for them. I called the collection company explained what was going on and demanded proof. They told me they didn't want to deal with it and would remove the account from my credit profile (which they did) and they would send the account back to suntrust. Great! So I call suntrust to get this squared away, suntrust now informs me they don't have the account information anymore and I need to call the collection company. I figure Im not going to play these games with these companies. I got what I wanted which was for this account not to have any affect on me.. Well some yeas pass now and were looking at opening another account at a credit union and they inform me that they show a negative account from suntrust on their report ([redacted]) so now suntrust has taken it upon themselves to submit it to a credit reporting agency. I once again called the collection company and they said the record is back with suntrust and I need to call them to go any further. I have since tried to reach out to suntrust many times to no avail to fix this matter. I welcome a call from suntrust at [redacted] anytime so I can further and better explain. I can also fax over supporting documents showing the date I closed the account and the dates the fees were accessed showing they were at least a month after account closure. I'm just asking suntrust make this right!Desired Settlement: I am rightfully requesting that Suntrust, CLOSE the account fully and waive any "overdraft" fees that were applied AFTER the account was originally by me (when I went into your location to make the withdraw), Suntrust to remove ANY credit trade line ([redacted], [redacted], [redacted], ext) and also send me confirmation of this request

Business

Response:

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

Please close this case on your records.

Consumer

Response:

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

Suntrust has yet to provide a response, only a document in which it would like us to sign. We agree to have suntrust release their response you the Revdex.com but I will not sign a document from suntrust that says I will hold them harmless. Furthermore suntrust contact me via phone and informed me they would look into the matter and get back to me within 13 days. No response has been issued from them as of yet.

Again, I authorize suntrust to release their response to the Revdex.com.

Regards,

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: I was a victim of fraud/scam which led my bank to be a negative of $8500. Suntrust allowed a check to clear my bank account immediately which then bounced. This was a loan which I received by mistake and was asked to send back to the sender via [redacted]. My bank is now holding me responsible for their error. This check was put in using mobile banking which I never enrolled in. They have argeed that this is a case of fraud/scam but has threatened that I pay them to bring account to a positve in 5 days or they will report me to telecheck and take legal action. I have never been so missed treated and left to feel like a criminal like they have done to me. Suntrust should be responsible since they are the ones who cleared a check instantly to my account withour putting a hold on it. They also should have alerted me of this since this check was deposited out of state. I have provided them with all the evidence, but somehow they feel it is easier to blame the victim for their mistake instead of tracking down the true criminals. Suntrust needs to make good on my account. I have been victim enough that I surely did not need or deserve this kind of treatmentDesired Settlement: Suntrust needs to fix my bank account to a positve and fix my credit report.

Business

Response:

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

to us from the Revdex.com regarding the return of mobile banking deposits made to your

above referenced account last month. I am very sorry to learn that you were

victim of an apparent scam and understand how frustrating a situation like this

can be. I appreciate the opportunity to respond.Our records show we set up Fraud Case [redacted] on August

10, 2015 when you contacted us about the mobile check deposit for $4,200

(August 5, 2015) and $3,800 (August 7, 2015). In addition, we also set up case

[redacted] for $2,550 and $4,080, which represents funds that you withdrew from

your account and sent via [redacted] to a designed recipient. After the

claims were reviewed, the cases were denied.We reviewed your cases again and based on the information you

provided, your cases were declined, as explained in the August 24,2015 letter

from our Fraud Assistance Center ([redacted]).On August 27, 2015, the account was closed with an amount owed

to SunTrust of $6,874.01 ($6,844.01 plus a $30.00 administration fee (Statement

copy [redacted]). Also, as stated in the letter dated August 12, 2015 ([redacted]

[redacted]), you are responsible for the negative balance, and the account is subject

to reporting to [redacted] and [redacted]In reference to your request that we pay the items that were

returned unpaid, ($132.61 and $415), I contacted the area manager for the branch

that handles your account. I was advised that we would not reimburse you for

these fees. I regret that you were given conflicting information about this

matter.[redacted], I understand that this is not the resolution you

are seeking from SunTrust. If you have filed a police report regarding this

matter, you may want to do so. SunTrust will fully cooperate with any law

enforcement investigation. If you have any questions about the cases, please

contact our Frud Assistance Center at [redacted]. Should you have questions

about the closed account, you can contact on Demand Deposit Account Recovery

Department at [redacted].Representatives will be glad to help you.Sincerely,[redacted]

Review: I have had a bank account with SunTrust Bank for a little over a month. My account has been in good standing since I have opened it. Without provocation, SunTrust closed my account. I had a balance in my savings of $20 and my checking of $49 and change plus $350 in check deposits. This is all money necessary to pay my rent that was due on March 5th. I contacted customer service because I have been unable to access my account since my deposit of the $350 in checks on Wednesday. I learned today that they were closing my account and that it is in their policy that they can close an account without notice and that a letter would be sent to me as to why they were closing it. However, they are unable to release my money to me because it is in the process of closing. I am totally confused as to why they closed my account, I am now facing a $140 late fee with my rent and my rent MUST be paid by March 12th or I face eviction.Desired Settlement: I am seeking a full refund plus the late fees attached to my rent for it being late. The total amount would be roughly $559.

Business

Response:

Dear Ms. [redacted]: We have received and reviewed your correspondences forwarded to us from the CFPB and the Revdex.com regarding the bank's original decision to close your above mentioned accounts. We appreciate the opportunity to respond. On March 13, 2015 we began the process of closing both accounts because some transactions on your checking account triggered internal fraud detection flags. Fraud detection and prevention measures are intended to protect consumers, so we truly regret that you were inconvenienced and alarmed. We further apologize for the lack of timely communication with you on this matter. Upon further review, we .reversed our decision to close the accounts. On March 17, 2015, the funds that we removed from both accounts for the closing balances were credited back tp each account. These transactions are shown on the enclosed statements ($389.80 to checking and $10.00 to savings). You informed us this situation caused you to be late with your rent payment. When our representative Mr. [redacted] spoke with you about this matter, you advised him that you incurred a $140 late fee from your landlord. Mr. [redacted] contacted your landlord and explained the delay in payment was caused by the bank. We regret any inconvenience this caused. On March 17, 2015, we credited your checking account $140 for reimbursement of the late fee. Ms. [redacted], we hope the information provided is helpful to you. If we may be of further · assistance with your financial needs, please call Ms. [redacted], manager of our Brandermill Branch, at 804.744.2158. She looks forward to helping you. Sincerely, [redacted]Officer Client Advocacy Team

Review: Hello,

I am here to file a claim against the brank of Suntrust Bank at Dunedin, Florida with their unprofessional and irresponsible service to me, their customer. The negligent work performance I encountered with is discouraging.

On Sep. 25th, 2015, I opened a New Select Checking Account at Suntrust Bank at the location of 825 Broadway Street, Dunedin, FL 34698 with an eligible coupon states that I would receive $200 if I could have Direct Deposit in the newly opened account with the first 60 days.

The Banker who worked on the account opening was Phyllis T[redacted], who is a Personal Banker III at Suntrust Dunedin Office. Also, this is the beginning of my hardship to receive professional and satisfying service from this bank because she negligently forgot to input the promotion information of the $200 coupon into my account when opening it. I thought Phyllis T[redacted] was competent to fulfill her job responsibility to CORRECTLY and ACCURATELY complete what she was supposed to best serve her customer.

So, ON OCTOBER 7TH, 2015, my first and eligible Direct Deposit, $2018.94, was direct deposited into my Suntrust Bank account just 11 days after the opening.

Then, I waited patiently till the end of December 2015 to request the proper handling of my account as I could not see the $200 reflected in my account.

I tried to call Phyllis T[redacted] at her office number 727-373-0864 for countless times as it was hard to find her during working hours for some reason I do not know as I am not her supervisor and could not understand why her co-workers always told me she was not there and I had to call back later. So, where is she if she is a full time worker there?

Then, finally, just at the very end of December 2015, she told me to wait as she needed to work on fixing her problem. Again, I tried to reach her after reasonable days of waiting; In Jan, I caller her again as it’s hard to get her calling back at all. She told me someone of her bank would contact me WITHIN 5 DAYS after they investigate the reason why she made that mistake negligently.

Unfortunately, NO ONE called me at all as I have no idea whether Phyllis T[redacted] really escalated this negligence to her team member or not since she is filing an investigation against her own negligence.

I called her back again and was still told the same to wait for another 5 days when some so-called investigator would call me.

Finally, I resorted to a customer service representative on the phone of Suntrust Bank hoping that would help. Ironically, that representative told me he would work on it immediately and just filled an request form for me and his supervisor would give me a call with 2 business days.

Now you know, so many 2 days elapsed and NO Calls from so-called Investigator Phyllis T[redacted] mentioned nor from a so-called supervisor from the bank.

Will anyone consider doing business with them again with multiple negligences?

Therefore, I am filing this claim against Suntrust Bank and the unprofessional banker Phyllis T[redacted] whose negligence brought extra hardship for an innocent customer. Also, Phyllis T[redacted] showed me poor enthusiasm in correcting her own mistake and that is unacceptable.

Required FieldDesired Settlement: I think Suntrust Bank really need a thorough interior oversight on the incompetent and unprofessional negligence of Phyllis T[redacted], the Personal Banker III. But they can NOT take the innocent customer as scapegoat of their own employee's mistake.

They could find a decision on whether keeping/firing/punishing Phyllis T[redacted], but an innocent customer should not be punished by never being reached by a so-called investigator or supervisor.

I need the immediately amendment on the mistake which Phyllis T[redacted] made when opening my account and the related person owe me an apology for her/his irresponsible and unaccountable performance when serving a customer.

The $200 credit for my eligible account opening and direct deposit should be credited as soon as possible.

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.