SunTrust Bank

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: 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: I was not notified of fraudulent activity on my bank account until I tried to activate my new debit card because the old one was about to expire. The day before on August 24, I had a paycheck deposited into my account and the funds were available on Aug.25. I withdrew some money and the same day I tried to activate my new debit card. That's when I found out they placed a hold on my debit card. I had to go.back to the local branch and take out money since I couldn't use my card. The next day I called customer service and found out they placed a hold on my bank account and now I could not access any funds. The whole inconvenience of me not being able to pay bills, trying to make arrangements to pay them which would be considered late. I asked why why wasn't I contacted since I never called to report any fraudulent activity and I didn't receive an answer. They need to replace the overdraft fees that were taken because after the check was deposited and I started doing things with the money, they took and held the check, causing me to be negative about $1300.00. They put me in a bind and stressed me out because I am out of money. For a whole week is too long. I need to be compensated for this. It's unacceptable and I was displeased with this situation. I actually liked the company but this was not good at all. No one alerted me until I had to find out my card was declined in public.Desired Settlement: I just want the money and the overdraft fees not to be charged. I need to be compensated for the inconvenience I had to deal with.

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 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: 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: 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: 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.

Review: I had opened up a new account in January, with my husband, [redacted] and myself with Mr. Henry [redacted], VP of SunTrust bank in Dillingham Square, Lake Ridge, Woodbridge, Va. On January 22, 2016 I went into the branch and asked how much longer would it be before I received my debit card. He said in about a week. As of today I have not received my debit card. I have called and left several messages with Mr. [redacted] and have not received a return call. Each time I visit the branch I get a run around from whomever happens to be sitting at the desk, because Mr. [redacted] is always out of the office. On 2-8-16 approximately, 2 pm I made another trip to the branch to see Mr. [redacted] and again he was out. I spoke with a different gentleman and he said they would overnight the debit card to me. I was told that last Friday from someone else that it would be overnighted to me. I have had another issue with Mr. [redacted] before. Last October or November I asked him to print many copies of my previous statements from another year. He charged my account $105., I expected them to come to my home instead I never received a call. I asked him to waive the fee and all he could do was give me $35.00 back of the $105. By that time I did not need them. He is a nice man and very friendly but he never returns my calls even though he said he called me to tell me to pick up my statements. My daughter checked my phone records and I was never called by anyone from Suntrust bank. This is not the only time I have been disattisfied with the services from this bank. I used to painfully have use the suntrust on Horner Road in woodbridge. Anytime I would go to the branch it was never anyone to help you or they had a different person that totally screwed my account up one time. Most of the time they didnt speak good English. I only have my SS check going to my joint account and eventually I will stop that. I joined [redacted] and got my debit card within 20 minutes!!Desired Settlement: Please have someone contact me from the Headquarters of Suntrust and also send me a letter. I want my full refund and my new debit card and I want to know why it had taken so long. Also, the branch in Garrisonville, Va, the teller gave out personal information on how much I had in my account last January 2015 to my step-granddaughter, this was a violation. I have her name and would like to discuss it with Headquarters.

Business

Response:

Re: Revdex.com Case# [redacted] Attached is the response that was mailed to the client. Please close this case on your records.

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.

This bank has to be one of the Worst Bank in America! the customer service is horrible every time you call to get help they say you have to go into Branch and when you get to the branch and speak with some one they pull your account up and hand you a phone. after everything is said and done I will never bank with Suntrust again

Review: I am a [redacted] who works for the government. I have been furloughed due to shutdown and because I am a contractor and not a federal civilian I have been told by my agency that the chance of me getting back-pay is almost non-existent. I did not expect the government to shut down because I had faith in the american government to take care its people over their own special interests groups. However the shutdown happened and I am in financial distress. I live paycheck to paycheck like so many americans and now I am basically unemployed. I bought a new car back in July 2013 and I have money taken out of my direct deposit twice a month. Due to the shutdown I have no money coming in and I'm struggling to afford to buy food and keep my electricity running. Most companies, however, understand the situation I'm in like so many other furloughed workers and have offered assistance in the way of deferred payments. I called suntrust hoping they would understand my situation and defer payments only until the government shutdown ended and I was able to work and recieve a paycheck. I was told that I needed to pay my car off for nine months before they would allow any extension or deferment plan. My credit score is excellent and this is a circumstance that is out of my control. However all I recieved was a bunch of transfers and a monotone 'I'm sorry' over and over. I got advice from a co-worker who had their car payments defered because of the shutdown and I called suntrust back. The woman I talked to this time said that they would defer my payments. I was very happy. However, today, October 15, I looked onto my account and saw that the last money I had was taken out, the only money I had left to feed myself this week. I called suntrust and after 3 transfers I was basically told that since I did direct pay they couldn't help me. Every time I was transferred I explained that I was told I could defer as I was told and NO ONE said I couldn't. I went through all the correct procedures. After being told Suntrust WOULD not help me, I called the dealership I had bought the car from talked with the financial department who transferred me to Colonial Transfer who takes out the money and sends it to Suntrust. They were very nice and they said if Suntrust said it was okay to defer they would put the money they took out today back in my account and they would defer payments for a month until the government opened up again. They said I should call Suntrust as a courtesy to let them know what I did. I called Suntrust and was told that I was not going to recieve any special deferment and basically that I would have to starve because they didn't care and they were not going to help me. I told them that I had no crystal ball that said nine months ago I would have needed to buy my car. I don't have that luxury but they didn't care. I spoke with a [redacted] who didn't even TRY to help me. He just said 'I'm sorry' over and over and told me there was nothing he could or would do and that they were getting my money either way. I told them I don't know where the money is going to come from because I'm not getting any money and all I got was a 'I'm sorry'. Tomorrow I have an appointment with [redacted] who said they will work with me and switch over my car loan to them. I have never in my life experience such a terrible company that doesn't care at all about their customers. They didn't help me at all. I understand if my reasoning for needing a deferment was my own fault but this wasn't. I don't understand how they could say I am basically screwed and they didn't care that I have no money to feed myself or go to the doctor because they wouldn't help me. They were not willing to offer any assistance. How dare they sit there and hurt americans. It is not America's fault that several politicans are using the government as pieces on their gameboard. It is not my fault I'm not recieving a paycheck. Yet because I got my car in July 2013 instead of January they wouldn't help me at all. I was told I am basically not a valued customer. What was even worse was how often I was told that if I had been with them 9 months they would have defintely helped me with an extension. It felt like a slap in the face. I will not be with this bank that cares nothing for its customers a day longer.Desired Settlement: They would make good on the their statement of defering my payments and that they would remove the criteria of needing nine months of payments for a deferment as they said they would because of the shutdown.

Business

Response:

Re Revdex.com complaint # [redacted] Ms. [redacted]. [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've been a customer with this financial institution for a quit sometime and over the years their service has become worst. First and fore most there is not type of protection and regard for their customers. Over the past two to three weeks several transactions have posted towards my account from a cancelled card and adjustments made on my account for the same transaction. Now, this has become a very stressful process for me, THE CUSTOMER!!!!, especially since there has been no resolve. I guess because I'm not one of their high priority customer, my situation is not taken in to importance. I've spoken with several people ([redacted], who transferred me to a supervisor [redacted]) about this situation and all I received was a lot of I'm sorry but there is nothing I can do at this time. I guess because it's my money and not theirs. Bad reviews are all I have for this company.Desired Settlement: I need someone to have my issue resolved without me having to contact them and stressing over this problem any longer. After the problem is rectified, I will be closing my account and taking my business elsewhere. I'm DONE with ghetto [redacted] Sun Trust and their poor quality of being a banking institution.

Business

Response:

SunTrust has responded to our client but cannot share the

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

Consumer

Response:

[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: Step 1:

Tell Us About Yourself & the Business Step 2:

Tell Us About Your Complaint Step 3:

Additional Complaint Details Step 4:

Review and Submit Your Complaint

Complaint/Consumer Information

Business Information

SunTrust Bank

919 E Main St

Richmond, VA 23219

Complaint Summary

Complaint Type: Consumer to Business Complaint

Nature of complaint: Refund / Exchange Issues

Problem description:

I sent a check to pay Advanced Disposal bill. I sent the check to the Callahan Florida office. Some how the check was cashed at a Suntrust bank in Orlando and was not applied to the account that it was intended. After several months Advanced called me and told me the account had not been paid and cancelled the services. I paid the balance and had the service restored, it cost to reinstate the service and replace the tote for service. After going to my bank [redacted]), I was given a copy of the check and seen it was cashed at Suntrust in Orlando. Spoke with Advanced Disposal and was told that they have not done banking with Suntrust in years. After several calls to Suntrust I ask for help from [redacted]. They filled out an affidavit of unauthorized Endorsement or altered item on 9-24-2015. Since this time they have sent multiple letters and make many phones calls to resolve this issue. I am now going to reach out to this office to help resolve this issue. The check was written on 6-26-15. The stamp on the back reads "Credit to within named payee lack of end GTD Suntrust Bank Lockbox #919312 Site: ORL Deposit Date: 6-29-15, 0234001071730, Batch #62 SEQ#: 0046 for the amount of $107.18. My other charges are for $25.00 service charge from Advanced Disposal and $20.00 Re-Deliver of Toter, for a total of $152.18. Please help me recover these fees. I have all the documentation you need to verfiy this information is correct. Thanks in advance for your help [redacted]

Desired Resolution: Refund

Desired Outcome

I just want to recover the $152.18 I am out.



Complaint Detail

Date of Transaction: 6/29/2015

Date of First Problem/Issue: 9/8/2015

Have you complained

or contacted the business? Yes

Date(s) Complained: 9/16/2015

Pur[redacted] Price: 107.18

Amount disputed: 152.18

Product/Service: unauthorized endorsement

Message to Revdex.com

Waiver(s):

I authorize the business to communicate with the Revdex.com about mDesired Settlement: I want my $152.18 back.

Business

Response:

Re: Revdex.com (Revdex.com) Case 11134392 Dear Ms. [redacted]: We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding a check that was negotiated by SunTrust in error. I am sorry for any inconvenience this matter may have caused you, and I appreciate the opportunity to respond. Our records reflect that we received a claim from [redacted] on January 11, 2016. We have responded to [redacted], and they will contact you regarding this matter. Ms. Heberlie, should you have any questions about this claim, please call [redacted]. Sincerely, Diane [redacted] Assistant Vice President Client Advocacy Office

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 opened a SunTrust account on February 12th and was mailed 2 debit cards. I have tried to make deposits for 3 days at a SunTrust branch atm (I am a teacher and a nanny and work from 7 am-7:30pm) - I have NO lunch hour to get to a bank branch as I eat with students as ALL teachers at my school do! SO - to put funds into the account with SunTrust, I rely on the ATM. I set up my pin with a branch manager at the North Druid Hills location. I have attempted to deposit cash for 3 days with no luck and so finally this evening I did a mobile deposit from my Wells account. I called the SunTrust number to ask for help and was told I now have more charges coming out for insufficient funds!!! How on earth can they do this when the ATM today would NOT accept my cash - it spit it out saying wrong pin.Desired Settlement: $168 refund for all charges caused my NSF when I am STILL unable to use my debit card to deposit!!!!!

Business

Response:

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

Consumer

Response:

[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 note that Suntrust contacted me directly and assumed fault with the account and provided a $150.00 credit for the trouble they caused 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,

Amy Motto

Review: I wish I would have checked the complaints filed against Suntrust Bank prior to opening accounts there, I would have chosen a different bank. In March of this year we were charged for $304.00 in insufficient funds charges for the payment of 4 items. I called and spoke with a bank rep and never got anything close to an answer for my questions, they didn't help at all, and yet they just kept reading the same rhethoric over and over, I was told that I needed to go to my bank and speak to a rep. I am disabled and in a wheelchair, I have good months and bad, I cannot drive some days and I cannot get my scooter out of my van by myself, so I am confined to my home. I am usually on top of my bank balance, but missed checking it online for 2 days in March. I did try calling my branch in Altamonte Springs, but they told me I needed to come into the bank. I received more NSF fees because the deposits I made were enough to cover our debits, but not enough to cover the fees. I called and asked them to quit approving debits to an account that was already overdrawn. They didn't listen, just kept charging the fees. When I was finally able to go into the bank the reps looked at me like I was crazy, and they didn't care how much I was charged, they were not going to credit anything. So for debits in the amount of $404.00, I was charged $884.00 in fees, sounds like Loan Sharks to me. I deposited $225.00 in the account to go toward the fees and told them I couldn't afford to pay the whole thing. I was using my other checking account to pay the business expenses and keep things going. Then they stole the balance of $659.00 out of the other account without prior consent, I'm glad I saw it I had to call and ask people to hold checks because if they were presented they would bounce. Bottom line, don't bank with Suntrust, especially if you're handicapped, because THEY DON'T CARE ABOUT ANYTHING EXCEPT TAKING YOUR MONEY!Desired Settlement: I wanted to speak to someone who cares and doesn't look at you like you are dirt under their feet, and could help by reducing the amount of the fees.

Business

Response:

Dear Ms. [redacted]:

We have received and reviewed your correspondence that was forwarded to us from the Revdex.com Serving Central Virginia, Inc. (Revdex.com) regarding the above referenced accounts. We appreciate the opportunity to look into the issues raised and provide a response to you.

Our policy at SunTrust is to engage in professional and courteous behavior at all times. We regret the service you indicated you received when you spoke with our representative about the fees on the account. Please be assured that the situation you described has been forwarded tot he appropriate management area for review. SunTrust takes great pride in the reputation we have established in the financial industry, and we strive to maintain our reputation by providing our clients with exceptional service.

Our records show that the account ending in [redacted] hel a beginning balance of $1,016.89 on March 25, 2013. However, pending debits of $50.38 to [redacted], $24.88 to [redacted], $19.03 to [redacted] and $12.63 to [redacted] reduced the available balance to $909.97. Transactions including at $0.40 credit, Check [redacted] for $820, $51.07 to [redacted], $50.05 to [redacted], $44.58 to [redacted], $25.91 to [redacted], $25.15 to [redacted], $24.58 to [redacted], $13.19 to [redacted], $11.50 to [redacted] and $3.86 to [redacted] were then presented to the account. Because eight of these items were presented against unavailable funds, each received a $38.00 overdraft fee, or a total of $304 in fees.

The overdraft fees that were assessed to the account were in accordance with our Rules and Regulations For Deposit Accounts, a copy of which is provided at account opening. Our Rules disclose that you agree to ensure the account holds sufficient funds to cover all items and that items presented to an account with Insufficient funds will be assessed an overdraft fee. As we have researched this matter and have confirmed that the fees were assessed appropriately, they will remain on the account.

Please also note that our Rules also state that funds from any of your accounts may be used to pay money owed to SunTrust without prior notice to you. Because the account ending in[redacted] had an outstanding balance of $649, a transfer was made by the bank on May 20, 2013 from the account ending [redacted] to pay off the balance.

In addition, it is important to keep in mind that business accounts are not affected by overdraft coverage, which restricts the ability of certain check card transactions to be approved if insufficient funds exist in the account. As such, you may wish to apply for an overdraft protection to be opened, as overdraft protection assists in preventing overdraft fees by drawing funds from a protector account.

Ms. [redacted], should you have any further questions, please feel free to contact us at [redacted] ([redacted]). Our representatives will be glad to assist you. Thank you for banking with SunTrust.

Sincerely,

Officer

Executive Services

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,

The resolution proposed was that the matter would be forwarded to the appropriate management area for review, in other words, they will do nothing, and must believe that the behavior of the employees in this bank is proper.

Review: Suntrust Banks has repeatedly reversed transactions on my account to allow a newer, higher price transaction to go through, and then put back on all the charges and add individual Overdraft Item Fee charges that have added up to high charges. In another recent event, they took a pending charge of [redacted], move other charges around and then hit me with Overdraft Fees. The charge hasn't gone through and isn't going to because it's a pre-authorization ping to make sure I had the money in my account!Desired Settlement: I want Suntrust Banks to stop doing illegal charge reversals just to increase profit. I also want the recent Overdraft Fee of $72.00 reimbursed.

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 deposited a check into the ATM. The check was from [redacted] for over $7,000. I admit that I neglected to realize that the check required [redacted] to endorse it as well. So the check went through and then taken out which threw my account into overdraft. Upon trying to fix the issue I was told a few different stories by many different agents including the branch [redacted] on how to resolve this. I got the run around! No one could help me as they have a he on my check. [redacted] can't cancel it because it shows cashed. Now they tell me it will take up to 90 days to resolve. I had contractors start the work but can't pay them and I am ready to file a law suite with suntrust bank! I want them to let the money go and give the check back to me so I can go to [redacted] where I know I will be taken care of.Desired Settlement: I don't want my money in suntrust bank ever and need them to return it ASAP!!!

Business

Response:

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

Please close this case on your records.

Review: I have been with this bank SunTrust for many years. They brought out my original bank SouthTrust back in the early millennium. The account that I have and have had since that point is free checking, banking and bill pay. I have never in over 10 years been charge with a "maintenance"fee . In fact my account is a no maintenance fee account. Just recently I notice a $7.00 maintenance charge to my account. That is in violation ot the free banking policy. ,Desired Settlement: Obviously I want a full refund plus interest. I also want the bank to assure that this does not happen again, nor use this as a mechanism to begin to gouge me.

Business

Response:

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

Please close this case on your records.

Review: Suntrust Bank quoted and locked a [redacted] refinance rate with us. They then did not meet the closing date in time, so the locked rate expired. This was despite emails from myself and the title company to the Suntrust representative on status. When the "rate lock" was "extended" by Suntrust, Suntrust representatives continued to tell me the rate was [redacted]. I had a power of attorney sign the final documents as I was not able to be at the closing. When I reviewed the signed documents, the rate was [redacted]. The loan number is [redacted].

I have tried multiple times to get the issue resolved with Suntrust and have been told by the representative ([redacted]) that he would get back to me but he has not responded unless I visit the bank (which I have on two occasions with friendly exchanges each time). I have multiple emails from myself to Suntrust, from the title company to Suntrust, and from Suntrust which clearly reflect the issue and I have been surprised that it has not been resolved. The loan processor was an individual named [redacted] who just referred me back to [redacted] who is the local vice president.Desired Settlement: I would like the rate of [redacted] that was originally locked with me because (1) it was Suntrust's lack of response/ action that caused the loan to go beyond the lock date and (2) Suntrust representatives told me the rate was extended, did not tell me they had increased it, and just generally spoke in terms that inferred nothing had changed. Suntrust representatives were aware that a power of attorney would be signing for me. If I had known the rate would not

I would also like a refund of the late fee for the first payment and the difference in payment for the first payment that I made since I was told by the Suntrust representative [redacted] to not pay the first payment until he obtained a resolution.

Business

Response:

Dear [redacted]:

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 dated September 23,2013. Upon receipt of the signed authorization form, we will gladly share a copy of our responses with your office.

Thank you for contacting SunTrust.

Sincerely,

Office

Mortgage Escalation Specialist

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.

I'm anxious to discuss the details of this with you. Suntrust did send me a response but it did not directly address the complaint. In summary, they quietly raised the rate. I believe the details show that they intentionally avoided sharing this piece of very significant info by email or phone. Additionally, it was raised after a delay on their part that caused the closing date to be overlooked. The letter of the law was followed - I was mailed a revised GFE that had the new rate. However I had been mailed multiple bundles of paperwork that included the GFE statements over the course of the processing of my loan because of all the delays, and none of the info had anything but minor changes so I didn't check the last one well enough. The bank reps were aware that I was not personally able to attend the closing but had to allow my brother-in-law power of attorney to sign for me as the closing was in a different state. He was not aware of the rate increase either. In summary, my complaint is that Suntrust's loan processor and bank representative raised the rate after a delay on their part and did not share the fact that they were doing so by phone or email. The emails were very short and succint... it is very odd that they wouldn't share this very significant piece of info. I believe they were afraid of getting in trouble with their employer (the bank) if the loan fell through as Suntrust would have been out some $ for the work that had been done so far. We would NOT have proceeded with the loan if we had been aware of the increase they imposed.

Please help if you can. It amounts to about $30 per month which doesn't sound like much but is a lot to our family, especially over 30 years.

Regards,

Business

Response:

Dear ** and [redacted]:

This letter is in response to your correspondence which we received from the Revdex.com regarding your mortgage loan application. We appreciate the opportunity to look into the issues and provide a response to you.

Our records show that we received your loan application on February 1, 2013 and the loan closed on June 4, 2013. Your final interest rate is 4.375% and the first payment was due on August 1, 2013, We received and posted your August payment on August 15, 2013. As of the date of this letter your loan does not show an accessed late fee. Your next due date is October 1, 2013. Please note we received your September payment on September 16, 2013.

Your loan was locked at the interest rate of 3.99% with an original expiration date of May 2, 2013 and we extended the lock to expire on May 21, 2013. When this lock expired on May 21, 2013, we relocked the loan and the best rate available was 4.375%. This information regarding the interest rate changing from 3.99% to 4.375% was disclosed to you on May 29, 2013 and May 30, 2013. Please note SunTrust Mortgage, Inc. will use it best efforts to process and close your loan efficiently and timely. However, because SunTrust must rely on outside parties, including you, to provide required information and documentation. SunTrust cannot guarantee your loan will be processed, approved or closed by a specific date. SunTrust does not assume any liability for delays resulting in the expiration of your lock agreement.

The title shows that you ([redacted]) the main borrower were not on the title, only your wife ([redacted]), therefore we had to add your name to the Deed. Since the Deed had to be recorded prior to the closing, it was prepared and sent to you on April 26, 2013 for signature and then a closing date of May 2, 2013 was confirmed with the POA.

We were unable to close on May 2, 2013 due to the Deed not being signed correctly by [redacted]. Therefore, we had to change the close date to a later date. On May 6, 2013 we contacted [redacted] to follow up on the corrected Deed since we had not received this document. On May 16, 2013 we received the Deed notarized but not recorded. On May 28, 2013 we contacted your POA to scheduled a closing date. Your POA then called us on May 29, 2013 and scheduled the closing for June 4, 2013.

** and [redacted], SunTrust strives to provide all of our clients with first rate service, and we understand that we did not meet your expectations. Please be assured that we appreciate your feedback, and your comments about your experiences have been shared with the appropriate management areas.

If you have other questions regarding the servicing of your mortgage loan, please contact our Client Services Department at [redacted], Monday through Friday from 8 am to 8 pm and Saturday from 9 am to 3 pm EST. A representative will be glad to assist you.

Sincerely,

Officer

Review: I am beyond disappointed! All I want to do is access my car loan information online which has proven to be impossible. I spoke to 2 different representatives, and [redacted] who apparently is a [redacted].

The 1st person: Sir, everything is all set! You will receive an email shortly with your login information (Never received anything)

2nd person: Sir, there is a mistake in the personal information you gave me, and therefore I cannot help you. (The person did not let me repeat the information)

[redacted] ([redacted]): I cannot help you. It is a demographic issue! That's all I can tell you over the phone.

(What does it mean?)

How can these employees be so incompetent? As a result, I will find another banking institution to take over my loan, and discourage anyone who is thinking of banking with Suntrust!Desired Settlement: A gesture from them would be appreciated.

Business

Response: