SunTrust Bank

Review: sed my Suntrust debit card the week of February 9th and the following weekend. Suntrust held processing of those debits until the following week. On February 18 (and a few on the19),v the bank processed the debits in a manner in which they would earn the most fees. I was charged over $350 in overdraft fees. Other banks have ended similar predatory practices. I was very surprised to see a reputable bank that I have never had any issue do this and their customer service agents flat out refuse to work with me.Desired Settlement: I would like to be credited $350 in overdraft fees.

Business

Response:

SunTrust has responded to our client but cannot share our response with the Revdex.com as no signed 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.

I believe that the bank did not process the fees fairly and that at least a portion of the fees should be credited as courtesy.

Regards,

Review: On the evening of Monday, March 10th I compared the charges on my online account with SunTrust to my own records and found all my charges to be up to date and posted, NOT PENDING. On the next evening, Tuesday March 11th I saw that an auto pay I had setup would be going through early and was now pending. As this was scheduled a day before I was expecting a payment to be made to my account, I expected to see an overdraft fee of $36 posted to my account along with my income the next morning. When I checked my account on the morning of Wednesday March 12th I saw that not only had I been charged for the auto-pay overdraft but also for two other charges that had previously been posted, NOT PENDING, and had now been rearranged to appear after the auto-pay charge and the initial overdraft fee. I understand that I should have received an overdraft fee for the pending charge from my auto-pay that exceeded my current balance while it was pending, but it appears that SunTrust is rearranging the dates and order of charges in the event of an overdraft to maximize overdraft fees. I called SunTrust Customer Service on Wednesday March 12th and was not able to get any clarification. The representative on the phone just kept repeating that it was not possible for that to happen, despite the fact that I was looking at it on my screen and seeing that it indeed had already happened. I was transferred to a supervisor ([redacted] employee username # [redacted]) and told that the charges were not actually charged and posted until "Monday, last night". I kindly explained to the supervisor that current day of the week is Wednesday and last night was Tuesday. She reverted to insisting that the charges were only pending. However, they had clearly posted and did not say pending, they were simply rearranged after the overdraft was posted. I asked if she was able to fix this issue and she insisted that there was not an issue and nobody could help me.Desired Settlement: I need to be refunded for the two extra $36 overdraft fees, for a total of $72.00.

Business

Response:

Dear [redacted]:
We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding fees assessed to your above referenced account. We appreciate the opportunity to respond.
It is important that collected funds be in your account before authorizing debit items. Overdrafts may be prevented by keeping accurate account records, noting all deposits, checks, purchases and electronic transactions and having funds in your account to cover all items presented for payment. For example, the account balance shown on your ATM receipt, Online Banking Profile or mobile device may not include all outstanding items you issued on the account, such as checks and other preauthorized debits.
In reviewing your account activity, your available balance on March 11, 2014, was $29.64. Three previously authorized payments for $76.33 (Prog Advanced Ins Pram), $20.69 ([redacted]) and $7.46 ([redacted]) posted. Respectively to your account and were paid against an insufficient funds balance. Therefore, in accordance with our current fee schedule, you were assessed three $36.00 overdraft fees for a total of $108.
On our website suntrust.com we have helpful information on how to manage your account and avoid fees (see Banking-Personal Checking-Overdraft Services). You will also find useful information about our overdraft services and how to monitor your account activity when the balance gets too low or becomes overdrawn by setting up Email or Mobile Alerts. By establishing Overdraft Protection, a service which allows clients to link a deposit account, credit card or line of credit to their transaction account, you can help avoid the assessment of overdraft or return item fees.
We understand that we did not meet your expectations in this situation when you called and spoke with our customer service representatives and regret any inconvenience caused. As a courtesy, we have waived two of the fees totaling $72.00. You will see these transactions on your next monthly statement.
[redacted], we trust that the aforementioned information is helpful and that you will make a concerted effort to avoid fee assessment in the future. Should you have any questions, please do not hesitate to call [redacted] ([redacted]) or visit any of our convenient offices. Thank you for banking with SunTrust.
Sincerely,

Review: I bought my car in 2009 it was a five year loan 60 payments I thought the car was paid off when I made the last payment in June of 2014.in August of 2014 I received another payment book for another year when I called I was told no it wasn't a five year loan it was six so I paid I was late on one payment and they towed the car I had to pay all late fees and payment which was 1,000 now the last payment was made and I receive a letter that my final payment is 1,752 I don't understand how a five yr loan turns to seven yearsDesired Settlement: If at all possible I would like to have the resolved before they try and take the car again I'm sure they will in July I would also like the repo off my credit report.also the title to the car

Business

Response:

We have received and reviewed our correspondence forwarded

to us from the Revdex.com regarding the final payment for the above reference loan. I have

tried to reach you by telephone to address your concerns and regret that I have

been unable to speak with you. I appreciate the opportunity to respond in

writing.You mentioned in your correspondence that your loan was for

five years. We reviewed your retail Installment Sales Contract ([redacted]), and

as stated on page 1, the term of your loan is 72 months or 6 years, with your first

monthly payment being due on August 1, 2009. Payment books provided by SunTrust

contain a total of 60 payment coupons, and a new payment book is mailed after

the first 60 payments are made. We show that a new payment book was ordered on

July 2, 2014.Concerning your final loan payment, as explained on page 2

of the Contract it may be larger if late fees are assessed. Our records show

that, over the life of the loan, 57 late fees were assessed to the amount,

totaling $1,231.45. This amount along with interest was then added to your

monthly scheduled payment of $236.23 and brought the amount of your final

payment to $1,515.06 with a 52 cent per diem, as of July 1, 2015.[redacted] I hope this information is helpful. Should you have

any further questions or to obtain the current payoff amount, place contact us

at [redacted] our representative will be glad to assist you.Sincerely,[redacted]

Review: In November of 2015 I randomly received a new debit card. I did not request it, I had no warning that it was coming. My original debit card is silver. The new card is gold. The letter on the new card told me that I needed to activate it because eventually my other card would not work. It did not say anything about a changed pin nor did I give any authorization for my pin number to be adjusted. I activated it Jan. 4th, 2016. On Jan. 5th 2016 I went to three stores and at each my debit card was declined in front of numerous people, (multiple times at each store), citing that my pin was unauthorized. I called Suntrust on Jan. 6th and spoke to four reps. Each told me basically that I should have know a new card would have a new pin and that I had ordered the card although I expressed that I had done no such thing. I told them that they needed to correct my pin situation and compensate me for my embarrassment and inconvenience. When I asked for corporate the third rep told me he was a supervisor at corporate and that he could not help me. I asked for his supervisor. A man named kevin or Jack took the line and was just as nonchalant as the previous three people. He told me that he could not fix my issue. I told him that they were going to loose me as a customer if he did not fix my issue and figure out a way to compensate me for my embarrassment and inconvenience and that as we spoke I was filing a Revdex.com complaint because this was not the first time I had issues with them and their service. In addition, if he was not going to service me I was going to do the Revdex.com complaint and he could stay on the line and work on my issue or choose not too. He told me to have a nice day and disconnected the call.Desired Settlement: I want my pin issue corrected and compensation for my embarrassment, inconvenience and now rude treatment or they will not longer have me as a customer.

Business

Response:

Re·: Revdex.com complalnt # [redacted] SunTrust has responded to our client but cannot share the response with the Revdex.com as no signed third party authorization was received.

Consumer

Response:

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

Suntrust did not try to resolve this issue in any way. At the time they sent the response to you, (1/26/16), they had not even contacted me yet. I did however, receive a letter from them a few days later that basically states they are not and have no intention to resolve this issue. It remains unresolved.

Regards,

Review: I have asked Suntrust several several times to NOT send any of my mail to [redacted] as I DO NOT LIVE THERE, but instead to send it to [redacted]. Yet, they keep sending my mail to the wrong address.Desired Settlement: DO NOT send my mail to [redacted], but instead IF Suntrust has anything they need to send me to send it to [redacted]. If they send it to the wrong address again I will have to complaint to the Postmaster.

Business

Response:

Re: Revdex.com Case [redacted] for [redacted] SunTrust Bank has responded to the complalnt flled by Mr. [redacted]. Since we do not have authorization from Mr. [redacted] to share our response with the Revdex.com, we cannot enclose a copy. Please close this case on your records.

Review: I deposited a check into the ATM it was supposed to clear by Saturday they put a fraud alert on my check for the second time and was keeping me from my money for about 2 weeks the customer even tried to get them to release it do it they could and they are refusing to release my moneyDesired Settlement: I want them to release my check so I can pay my bills and have my money I run a business and deposit multiple check for multiple people for them to keep putting fraud alerts on my checks, the first time they called and got it released right away now they're going to make me wait 2 weeks to get my money even after I threatened to close my account they said they will not let me have it I was going to take the check to the person's bank and cash it on the spot and they're holding it hostage

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.

Suntrust is not a bank that anyone should do buisness with. I am still being hit on my credit report for a propperty that have no ownership of. Every legal document. Including. Documents sgned by a judge hsve been provided and suntrust has made it clear that they dont recognize any legal documents that would remove ones name from a loan even if the person being effected has no legal rights to the propperty. They will do this even when they have not been able to provide original copies of documentation that shows they even have a right to make such negative marks on your credfit report. Avoid this bank at all costs.

Review: My complaint is how my request for help and an exception for my account is due to how I am being handled by the representatives at the SunTrust call centers. I sent a letter of settlement offer as directed by a Sun Trust rep in Aug. I did not receive any response to my letter.I called in Sept. to follow up.I was not really listened to from that point on. The rep said I did not have to write a letter and that I sent the letter to the wrong place and she could help my with my settlement request and I explained the difficulty. I was told how much I owe and how further behind I first thought I was. I was told my offer was not accepted and I would need to consider SunTrust. The rep stated to tell my [redacted] value( which is not reality value to begin with) and I explained she was not listening for , again, not only am I behind on the car, by house as well.I have lost $1300 a month income and $700 of it in child support I am supposed to be getting. I am supporting minors on my 1 income. I have lost my house in BK and moved in the small house that I used to rent out to tenants.( which did not pay). I have car repair bills I can not keep up with, house repair, dr and dental needs not being met. The car has a cracked window from a rock, needs new tire, the air compressor stopped working, the windshield wiper stopped working on one side and will need a power steerng pump and spark plug wires and all within the last 2 yrs. And the car is about ready for another timing belt. This car did not have any perks to begin with. If SunTrust wants the car they will pay more to rpo and the new owner will have to pay more thatn $1400 to repair. The rep only said I would need to look at the banks point of view. I asked she go to her manager for an exception and I did not even get that consideration . I asked if I may speak with someone else and was told no. I have worked in collections before and have gone to my manager in only a handful of exceptions over the years. I know what it takes to get ot of my chair and cross the room an plead the client's case, or keep after management with phone calls or emails to meet the client's needs when an exception seemed warranted. If I did not need an exception I would not ask. I am complaining because I have not been given proper guidance in handling my struggle and have not been propely heard or cared for as a client.Desired Settlement: Please settle in full at the current balance. If SunTrust can see a way to settle this account in full now then I look forward to knowing this right away.

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.

Review: I use online bill pay with Suntrust bank. On 7/9/2014 I logged in to set up my bills to be paid on 7/11/2014 (pay day). I checked my Suntrust account on 7/10 and my account was overdrawn by $668. I click through to see how that could even be possible and see that 2 of the payments that I scheduled to come out of my account on Friday 7/11/2014 were pending in my account to come out 7/10/2014. I know it had to be an error on there part especially since the the two charges that came out were both Capital One payments (on for $70 and the other for $650). So I immediately called the 800 number and they told me there was nothing that they could do because it was pending. I told her I do not want to be charged late fees because of there error. So today on 7/11/2014 I checked my account to find that they not only did not pay the charges they charged me a $72 return fee along with $144 worth of late fees. ($216 of fees and they did not even end up paying those charges). I called the 800 number again and was on hold for 15 mins and then another 10 when I asked to speak to a manager (which made me late for work). They proceed to tell me that it was my fault and there is nothing they can do that they refuse to refund any of my money. I know I did not make that error. My account speaks for my it's self. It shows all the other payments coming out today 7/11/2014. I understandably was upset so I decided to go into my local branch and speak with the branch manager. She told me it was a human error and that there is nothing she can do. This is outrageous. I have been a member of this bank for over 8 years and have never been so upset. If I do not get a solution I will be forced to find a new bank. I also will post all my problems with the bank on social media. I could understand the fees if it was my fault (even then being excessive since some of the late fees were for $6 fast food trip) but that is simply untrue.Desired Settlement: I want all 216 dollars refunded to my account.

Business

Response:

Dear [redacted]

We have received and reviewed your correspondence forwarded

to us from the Revdex.com regarding payments made using out Online Banking with Bill

Pay services and the fees assessed to your above referenced account. We

appreciate the opportunity to respond.

ON July 9, 2014, you scheduled two payments to [redacted] for

$659 and $70.00 to be paid July 10, 2014. The payments are submitted to the

merchant on the day designated by the client. In this instance, the payments

were submitted to [redacted] on July 10, 2014. We do not place holds on your account

for the payment amounts, and the payments are not shown as pending items on the

account. Payments are deducted (or returned) from your account at the time the

merchant presents them to the bank for payment.

Our records show that, on July 10, 2014, your beginning

available balance was $1,463.35. During processing, an electronic/ACH debit

from [redacted] for $1,370.05 was paid, leaving an available balance of

$93.30. Six more items were presented for payment against insufficient funds.

Two online payments presented from [redacted] cards as Electronic/ACH debits

for $650 and $70.00 were returned due to an insufficient balance with two $36.00

returned item fees assessed. In addition, four debit card purchases ([redacted]

for $31.44 and $6.30, [redacted] for $15.16 and [redacted] for $6.56) were paid with

four $36.00 overdraft item fees assessed. Your end-of-day available balance was

negative $182.16. The account balance became positive on July 11, 2014 when a

Direct Deposit was credited to the account.

On July 15, 2014, your beginning available balance was

$237.51. Returned items from [redacted] were presented for payment again. The

$650 payment was returned for non-sufficient funds; however, the $70.00 payment

was paid, making your available balance $125. 15. Six additional debit card items

were presented and paid ([redacted] for $62.98, [redacted] for $40.000, [redacted]

[redacted] for $20.10 and $1.27, [redacted] for $17.07 and [redacted] for $7.25). You

incurred on returned item fee and two overdraft item fees, for a total of $108

in fees on July 15, 2014. The end-of-day available balance was negative $95.52.

On July 16, 2014, your deposit of $380 brought the account to a positive balance.

Based on this information and that items were presented against

insufficient balance, we have determined that the assessed overdraft fess are

valid. ON July 16, 2014, you were provided with a refund of 4108. As a courtesy,

we have refunded an additional $108 in overdraft fees. The other fees will remain.

As a suggestion, you may want to set up Overdraft Protection,

Where by a protector account is linked to your transition account to cover any

shortfalls. Detailed information, including any fees, about this service is

found on our website Suntrust.com (see banking-personal checking-account

features-overdraft services). You may also monitor your account by using our

Online Banking services and receive Email or mobile Alerts when the balance gets

too low or becomes overdrawn. Instructions for signing up for these services

are also found on our website and when using our Online Banking service.

[redacted],we hope this information is helpful to you. If you

have any questions or concerns regarding your account, please do not hesitate to

contact us via your Online Banking Profile, call us at [redacted] or

visit any SunTrust Branch. A representative will be glad to assist you. Thank

you for banking with SunTrust.

Sincerely,

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 have a checking account with SunTrust bank in Atlanta Ga, but on 8/3/2014 I received a call from someone in their FRAUD department that they have noticed some fraudulent activities on my Debit account from somewhere in Pakistan,the account representative told me that the charges will be adjusted and that they will send me a new Debit card,the latter was fulfilled but it has been over two weeks now and I am still waiting for the adjustment to be credited back to my account but I had been pushed around from one rep to another and I don't have the kind of money where I can afford to have $467.90 floating around,I need my money now for my financial obligations.

The transactions in question are as follows as stated on my bank statement,two separate transactions posted to my account on 8/42014 for $210.95(TWICE) for a total of $421.90,and two separate international transaction fees for $5.00 each,for a total of $10 dollars.

Due to the bank taking this monies out of my account led to me bouncing a check which would had been good if the bank has credited my $431.90 promptly but due to the lackadaisical way the bank is treating this matter or customer for that matter is why my I had an overdraft which I was charged $36.00 for on 8/7/2014.

The bank owes me a credit of $467.90 that needs to be credited back to my account because I had been deprived the use of my money,if this scenario is reversed I guess I be charged all kinds of late fees but this seems like a case of a little David against Goliath.Desired Settlement: I need the bank to credit this amount back to my account ASAP,because I had been aggravated with this problem for the past two weeks and the problem is still not resolved.I need an apology from the bank for the unnecessary frustration and aggravation they took me through for them having incompetent employees who are delegated to resolve problems of this magnitude but lack the proper know how to get it done especially when your fraud department was the one that detected the fraud and called me first.

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: This is a request for SunTrust Bank to reimburse me a total of $100.13 for 2 items ($64.13 and $36), both for the same account.

Item #1: $64.13 -- the merchandise I ordered on 1/12//2015 was not delivered; this transaction was posted on 1/13/2015. The merchandise was to have been delivered in 5 days. After 10 days, I attempted to contact the merchant via phone and email, but to no avail. I contacted SunTrust at this 10 days mark (the end of January) after the merchandise was due. I have constantly been given the run around, each time with the promise that my request would be "escalated". Then, on February 13, 2015 I was sent a merchant dispute form via email. I completed it, and sent it to the address listed on Saturday, February 14 via [redacted] Priority Mail (so I have the tracking number). Since then, I have called several times to follow up, and each time was told that it was under review. Once again, I called a couple of weeks ago and indicated that it had been over 3 months!! Once again, I was told that my refund request would be "escalated." Then on Friday 5/29/2015, I received a letter from SunTrust (dated 5/20/2015) indicating that I hadn't notified them in writing within 60 days, and they were not going to assist me. SunTrust sent this response despite the fact that I sent the form on February 14th via U[redacted] SunTrust reps acknowledged that they received the form; and I have continually followed up over the phone! This is absolutely unacceptable!

Item #2: $36 for stop payment. I was advised that I would have to call on the same day (i.e., Thursday 5/21) to cancel the stop payment and not incur the $36 fee. I called at 9:30 pm EST. I was told that I should have been advised that I had to cancel 1 hour before they close -- i.e., at 9:00 pm!! So I was 30 minutes too late. The rep apologized for the misinformation then hung up when I asked to speak to the Manager! Unacceptable!Desired Settlement: This is a request for SunTrust Bank to reimburse me a total of $100.13 for 2 items ($64.13 and $36), both for the same account. These are 2 different transactions, where SunTrust made decisions on both situations at the end of May 2015.

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: On 05/22/13 I discovered transactions in my checking account I did not recognize. I also noticed my debit card was missing. I went to the bank and filed an affidavit of fraud for transactions totaling $3,340.23. I have had an account with this bank for about one and one half years and this is the third time I've had to report transactions posted to my account which I did not do. This last time I was given a new pin number. The first two times fraudulent transactions were done to my account the bank did not change my pin number. I received a letter during the week of June third, 2013 stating that my claim was denied because it could not be determined how whoever committed the fraud acquired the pin to my account. I called the bank and expressed my dissatisfaction with their finding. Then I was told they would send me a form for me to provide any additional information I can think of. I received a "rebuttal" form in the mail on Friday June 14th, 2013. On Monday, June 17th, 2013 I went to my local Suntrust bank branch to see [redacted]. [redacted] helped me file the initial fraud claim and the rebuttal Form. I filed the form and during the course of our conversation found out the Fraud Dept believes I gave my pin number to someone. I have not given my pin number to anyone. [redacted] also told me the fraud dept. stated I should file a police report. The affidavit of fraud which I filed on 05/22/13 states "I understand that the alleged fraudulent or unauthorized check card usage will be investigated and may be referred to the appropriate law enforcement agency. I agree to cooperate in the prosecution of the person charged..." So by the bank's own admission, they did not investigate my claim of fraud. Suntrust has been negligent in the way it has handled the fraud committed involving my bank account. For not changing my pin when the first two fraudulent uses of my account took place, and for not investigating the fraud I reported and refusing to refund the money I lost $3,340.Desired Settlement: Suntrust needs to refund the money taken from my bank account ASAP.

Business

Response:

Good afternoon,

We have responded to our client **.[redacted] in writing on June 26, 2013. Since **.[redacted] did not provide written authorization so that we may share our response with you, please contact the client directly with any questions you may have. Thank you for allowing time for the client to receive our response.

Review: Uninformed about balloon payments at the end of contract. Did not receive any kind of paperwork they say they sent. Never received any kind of balance update. They charged a fifteen dollar fee for phone payments. They supposedly lost checks written to them, and cashed by them, and charges you as if no payment was made.Desired Settlement: Would like to know why all these issues have been unexplained and have allowed to occur. Contract should be clear and understandable. We feel we have paid up our contract and owe nothing.

Business

Response:

Dear [redacted]:

We have received and reviewed the correspondence that was forwarded to our office from the Revdex.com regarding the balloon payment due to the above referenced account. We appreciate the oppourtunity to respond to this matter.

[redacted] of your simple interest loan contract entitled [redacted]. Your signature attestts to your acceptance and agreement of the terms and conditions. In accordance with your contract, payments are due on the 16th each month. Any payment received after the 16th is considered late. A late fee is assessed when a payment is received 15 days after the payment is due. Therefore, when payments are made late, more of the payment will go towards the interest due and not the principal. Your payments are applied first to late fees, interst, and then principal.

During the life of your loan, two payment extensions were granted (April 13, 2009 and May 31, 2012). A copy of the April 2009 Extension of Payment Agreement is enlosed for your review. Since no payments are made during the extension agreement states "Normal finance charge, inclusing interset, with continue to accrue in accordance with the original terms and conditions of the Loan document. Entering into this Agreement may affect the payoff amount of the Loan".

In addition, our records show that four late payments were made on the lonas as listed below.

March 16, 2009 payment Made and credited on April 9, 2009

July 16, 2010 payment Made and credited on July 2, 2010

March 16, 2012 payment Made and credited on April 7, 2012

April 16, 2012 payment Made and credited on May 11, 2012

The four late payments and two payments extensions have caused your final payment to be higher than it would have been had you made all your payemnts (for the full amoun due) on or before the due date. An explanation of how late payments change what you must pay is explained in paragraph C of your Contract. For your reference, we have enclosed a copy of the payment history.

[redacted], at your request, enclosed is a pay off for your loan through August 10, 2013. Should you have any questions, place [redacted] A representative will gladly assist you.

Sincerely,

Review: Suntrust Bank has reported a bad debt to my credit bureaus. I have mailed them a certified letter requesting them to validate the debt, as it is not mines. I have received mail confirmation (from my post office tracking) my request has been received by Suntrust Bank. I have not received the requested information from Suntrust Bank to validate this debt. Suntrust Bank continues to report a debt that is not mines to all 3 of my credit bureaus & they are unable to provide documentation that this is my debt I agreed to.Desired Settlement: Complete removal from all 3 credit bureaus & a written confirmation of this removal immediately.

Business

Response:

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

Please close this case on your records.

Consumer

Response:

I have reviewed the offer 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 do not accept the offer made by the business to resolve this complaint. After multiple written and documented requests to have this account removed, I now feel Suntrust is in willful non-compliance with the [redacted]. I did receive the correspondence Suntrust told the Revdex.com they mailed to me, but once again it has nothing to do with my dispute. The letter mailed to me from Suntrust stated the following: "Why we are contacting You: We recently received information which indicates that the name we have on file for you may be incorrect." The letter further explains documentation on how to correct my name information. I now believe this is a ploy to provide them with identification to tie this account to me, which is not mines & I did not come into any agreement with them. I am requesting immediate resolve & removal of this account to my credit bureaus & confirmation in writing.

I have emailed the authorization for Suntrust to release information to the Revdex.com.]

Regards,

Business

Response:

Dear [redacted]:

We have recieved and reviewed your recent correspondence that was forwarded to our office from the Revdex.com regarding the above referenced account. We appreciate the opportunity to look into the issues raised and provid a response to you.

In your previous correspondence to the Revdex.com. you stated that the debt associated with the loan is not yours. On August 2,2013, we provided you information validating the dept. However, we forwarded your correspondence to [redacted] ([redacted]) for review. I was informed that you will receive under separate cover, from [redacted], a fraud package that you need to complete and return to them.

[redacted], if you have any questions, please call [redacted] at [redacted] for assistance.

Sincerely,

Assistant Vice President

Executive Services

Review: This problem started during my recent trip to Mexico. I attempted to use my suntrust check card at a [redacted] ATM. The ATM took my card and didn't allow me to get out any money. I eventually got the card back but even though I got no money [redacted] still attempted to charge me $35.72. I immediately notified Suntrust who at that time assured me that they would contest the charge and that it shouldn't be a problem. They credited me the money originally but then took the money back on 9-6-13 and sent me a later saying [redacted] refused to give the money back. I called the fraud team and they told me that the decision was actually made by their research team who refuses contacting or providing information to any of their customers. I told them I wanted to appeal the decision because they said that Scotiabank provided proof I was wrong which is impossible due to the circumstances I just described. They told me they would email me the appeal form but failed to do so. So my problem is basically that Suntrust refuses to give me the so called proof [redacted] gave them in order to reach their decision and I'm still missing $35.72 for an ATM use which gave me no money and temporarily took my card.Desired Settlement: I want the $35.72 back, the information they are using as some kind of evidence in my dispute, and a chance to appeal the decision like they told me I could if refunding my $35.72 is not possible.

Business

Response:

Thank you for forwarding to SunTrust the correspondence you received from [redacted].

I sent an email to[redacted] today requesting that he contact me so that I may obtain the information we need in order to research his card issue and provide him with an appropriate response. I also left two voicemails for him at the number shown on the form he completed for Revdex.com Case #[redacted].

As we have made an attempt to contact [redacted] in more than one way, we are closing our file for Revdex.com Case# [redacted]. However, we will reopen the case in the event that [redacted] contacts me at [redacted], or our Fraud Assistance Center at 800.447.8994.

In the meantime, should you have any questions about our response to [redacted], please feel free to call [redacted], a manager of Executive Services, at [redacted]. He will be glad to speak with you.

Review: SUNTRUST FRAUD:I have deposited a check into my account, the cashiers check had cleared a day later. I have never had a check deposited over $350. I deposited the check around 3pm. The check cleared at midnight the same night. I used some of the money and offered to repay what was used. The check was then returned and flagged as fradulent. The account was then sent into the negative. A [redacted] from the Atlanta office contacted me DEMANDING the full amount. I told him payment arrangements could be made in order to pay off the amount we had used. He refused and told me "there is two options, pay the full amount or you can go to jail." I now have had local detectives come to my house and investigate on a felony check deposit fraud (felony). I am only 18. I now have the funds to pay the amount in FULL. He still refuses and told me that my "inability to be able to pay the full amount in the past will not allow Suntrust to persue the matter in the future. " Again, I offered today on 9/10/2013 to pay the amount IN FULL. [redacted] refuses to accept the money. His words are "repayment will need to be ordered through court ordered restitution."Desired Settlement: DesiredSettlementID: Other (requires explanation)

To fully resolve the matter in the bank without legal action.

Business

Response:

We received your correspondence regarding the above referenced case. However, we have not completed our research of these issues. At the completion of our research, we will respond to your inquiry.

Thank you for contacting SunTrust.

Review: I disputed multiple charges amounting to $1000.00 and was told that the charges were valid. On October 1, 2013, Under FDIC Regulation E § 908 (d), I requested that Suntrust provide me all consumer reproductions of all documents which the financial institution relied on to conclude that such error did not occur. I spoke with [redacted], a [redacted] in the dispute department, and she informed me that they had escalated my request to the investigators. It has now been 30 days since my request and I have attempted to contact Suntrust multiple times with no success. Additionally, my account was closed days after contacting Suntrust with my requestDesired Settlement: I would like to be credited the $1000.00 along with damages that amount to 6% daily.

Business

Response:

SunTrsut has responded to our cilent but cannot share the response with the Revdex.com as no signed Authorization was received.

Please close this case on your records.

Review: Yesterday, when my account should've been showing a $0.00 balance, I was hit with a $7.00 surcharge from the bank for usage, then I was hit with a $36.00 overdraft fee on the surcharge. I contacted the bank regarding my issue, and they are unwilling to resolve it. About 6 months ago I had a similar issue where the bank hit me with an overdraft fee, even though I had $7.00 in my account, which brought my account to a negative balance... at which time they assessed an overdraft fee on the overdraft fee. I contacted them regarding that issue, and they backed out the fees, but informed me that they were not required to take that action, and they were being generous. I fail to see how banks can steal money and then call it generous IF they decide to give it back?Desired Settlement: I would like them to reverse the overdraft fee and the $7.00 surcharge which brought on the overdraft. If they would like to collect the surcharge, I can deal with that, but absolutely NOT on the overdraft fee.

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 closed my account at suntrust last year after a teller deposited a bad check into my account.My employer sent a direct deposit to suntrust in error Feb 7th 2013.I contact suntrust several times to return the check and they decline.They said they took my check of $[redacted] towards a past debt.How can suntrust take my check without my authorization for a closed account?This is outrageous and rediculous stealing customers checks.Desired Settlement: I would like suntrust to return my check of $[redacted].

Business

Response:

Dear [redacted]:

We have received and reviewed your correspondence forwarded to us from the CFPB regarding SunTrust's right to apply funds from a direct deposit we received form your employer to the above referenced Account after it closed with balance owed. We appreciate the opportunity to respond.

Our records show that we closed this Account on December 13, 2013 with a balance owed of $[redacted], which included a $[redacted] administrative fee. We received an [redacted] direct deposit of $[redacted] on February 11, 2014 and performed a right of offset, applying $[redacted] of the funds towards the amount owed. This left a balance of $[redacted], which we refunded to you by Official Check [redacted] on February 12, 2014 along with a letter confirming the Account was paid in full.

The right of offset was in accordance with our Rules and Regulations for Deposit Accounts. [redacted], we hope this information is helpful to you. If you have any additional questions regarding this matter, please contact our Demand Deposit Account Recovery and Retention Department at [redacted]. A representative will be glad to assist you.

Sincerely,

Officer

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,

Suntrust stole my check of $[redacted] which was sent in error by my employer.The employer and me called them several times to return the check and they lied saying the check was returned.I called their retention department which finally admitted they stole my check.I don't have any debt with Suntrust and I want my check of $[redacted].How can they take my check from a closed account without my permission,authorization or signature?

Review: On around March 31 2014 I payed off my car with suntrust. I was told to over pay by one payment to make sure everything would clear and go though. I contacted them a week latter asking about my over payment they had no clue what I was talking about. I had to go back in my pay stub any show them that my money was drafted by them to even get a return. They told me my check was in the mail on april 17th 2014 and I would recive it no latter then a week for the amount of $560 what is still a long time to [redacted] said it should of only taken 4 days for me to receive the check. I called them again on the 24th becuase no check in the mail and was told to wait another day. They been telling me to wait "one more day" for the last 5 days. I know if this was me having issues sending them money I would be getting hit with all kinds of late fees. I have always paid them 5-6 days in advance for all payments what where due I cant see why they cant do the same.Desired Settlement: I would like a aploogy by one of there [redacted] and the reason from his mouth on why this is going on along with a full refund to include intrest that was accumulated during the time frame

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.