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SunTrust Bank Reviews (892)

Review: I am a trustee and have power of attorney for my mother with dementia. Suntrust maintained 2 checking accounts in which she was the beneficiary. On February 9, 2015, contrary to prior dealings, without any notice and without any permission Suntrust unilaterally closed both accounts without accounting for outstanding checks, without reimbursing for new unused checks just ordered, but most importantly refused on demand on February 11, to provide the funds to me which are necessary for the care, health and well being of my elderly mother. Suntrust not only converted these funds, but it violated its fiduciary duty to its account holder and engaged in self dealing.

Product_Or_Service: Banking account

Account_Number: checking in the nameDesired Settlement: DesiredSettlementID: Refund

Return the converted money, cover all returned check charges and reimburse for new unused checks.

Business

Response:

Re: Revdex.com complaint #10447934 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 my debit card # and PIN stolen on 7-17-15. Between 7-17 and 7-19, someone used my information to withdraw almost $1200 out of my account. Suntrust intially assured me that I would be reimbursed after an investigation. At the end of the investigation, however, Suntrust decided that the incidents were not fraud and denied my claim. After 1 missed call, I never heard from Suntrust again despite calling the person back (404-813-2575) 8 times starting an hour after the missed call and leaving multiple messages. When I called the number given by the fraud dept, I was told that the claim was denied but not given a reason. I was told a letter had been sent that day (7-31-15). I also asked for documentation as well as an opportunity to speak to someone. After being placed on hold for several minutes, I was told that a Request for Documentation had been submitted on my behalf and that I would receive the documentation in 3-5 business days. As of 8-11-15, I still have not received any letter or documentation that I was promised (though the multiple overdraft notices as a result of the fraud were delivered to me the day after they were sent). I went to a local branch on 8-6-15. I was unable to receive any information other than the times of the fraudulent transactions and a request for a dispute. One of the addresses I was given on the original Affidavit of Fraud was incomplete. I have still been unable to receive a complete address from Suntrust. This has made it difficult to properly file a police report, as I can only search the internet and try to find an address that is nearby that matches. Throughout the process, Suntrust has lied to me and treated me as if I am a criminal, not a victim. I have been a loyal customer for over 10 years and do not deserve the horrible customer service I have received from Suntrust. I understand the law to be that Suntrust must reimburse me within 10 business days of when I reported the fraud.Desired Settlement: I am looking to be reimbursed for the money stolen from me, as well as all fees charged to me by Suntrust, including the non-Suntrust atm fees from the fraudulent transactions as well as the overdraft and extended overdraft fees charged to me by Suntrust during the process.

Business

Response:

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

to us from the Revdex.com regarding alleged unauthorized transactions on your above

account. I appreciate the opportunity to respond.Your comments about the level of service you received from

our representatives are very important to us and were shared with the

appropriate management. I understand this has been a frustrating situations for

you, and I apologize for the concern and any inconvenience caused. Our records show that on July 17, 2015 an ATM cash

withdrawal of $420.50 and two non-SunTrust ATM fees totaling $5.00 ($2.50 each)

were debited from your Everyday Checking Account. You notified us on July 19,

2015 that you did not make these ATM cash withdrawals because you lost your ATM

card and PIN prior to the withdrawals being made. A claim, Case [redacted], was

established for investigations.On July 20, 2015 there was one pending ATM cash withdrawal

of $403 from July 19, 2015 and three non-SunTrust feels totaling $7.50 ($2.50)

that were debited from your account. You withdrew the remaining balance of

$137.04 on July 31, 2015 to close the account. These transactions are reflected

on your August 12, 2015 statement (enclosed). Because the withdrawals were made

using your PIN the case was denied.We reviewed your case again and based on the information you

provided and that they withdrawals were made using your PIN, the case was

denied as explained in the July 31,2 015 letter from our Fraud Assistance

Center ([redacted])Our records reflect that on August 25, 2015 we received

copies of the police reports and referred them to our fraud department for

review. The fraud department will notify you of their decision after completion

of their investigation. [redacted] we hope the

information contained in their letter will alleviate any further concerns, if

you have any questions or need further assistance, please contact our Fraud Department

at [redacted] and a representative will be glad to help you. Thank you for

banking with SunTrust.Sincerely,[redacted]

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 has finally given me a reason that they denied my fraud claim; however, I still did not receive documentation of how they came up with this decision. I requested this documentation initially on July 31, 2015 when I initially discovered that Suntrust had denied my claim. They included the initial letter that was never sent to me, but no documentation of why other than my PIN was used in the fraudulent transactions. The bank is still holding me accountable for fraud against me, even though they advertise that my debit card has 0% fraud liability. I am not a criminal, and it is unacceptable for Suntrust to treat me like I am.

Review: On June 17, 2015 I initiated a request with Suntrust to obtain a refund on my behalf in the amount of $125 for a transaction that I made through [redacted] in April 2015. The merchant had attempted to issue me a refund directly through [redacted], but was unable to do so because there was an error message that she continued to receive regarding an issue with my bank card. [redacted] agreed to the 'chargeback' on or about June 28, 2015. However, after repeated contact with Suntrust, I was repeatedly informed that the investigation was still in progress, and could take up to 60 days. The 60 timeframe has expired, and I have still yet to receive the credit back to my account from Suntrust.

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: Back in 2009 I got Laid-Off at my place of employment.... I had been behind in my car payment.... for quit some time, the bank contacted me to do a rewrite on my auto loan and my payments would be lesser with a longer term, I sign the paper and return it, I kept falling behind but I did make a payment to keep it from being 90 days behind, I was told then my car can be took from me. In May around the 20th they had my car pull without any notice nor phone call about it I was made to pay March, April and May car note when May wasnt due till the 30th and they charge me 53.79 cents in late fees, 435.00 in repo fees and a 400.00 charge for the principal Reduction that I was not inform about and the one was handling my repo status would not explain it the way I could understand it..... he said I was getting charged that fee because my payment history was bad, his first name is Anthony and he would not give me his last name, nor would he let me speak to his supervisor to find out more about the Principal Reduction charge of 400.00 dollars... his contact number for his direct line is [redacted]Desired Settlement: I would like to be refunded a fee that I was not explain about during the signing on the rewrite program....

Business

Response:

SunTrust has responded to our client with a breakdown of the

redemption amount for the repossessed vehicle. The client requested a refund of

the $400 fee included in the redemption amount. This amount is NOT a fee and

will not be refunded; this amount was a principal balance reduction applied to

th e vehicle loan.

Please close this case on your records.

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: In 2015, a fraudulent account was opened in my name. We called Suntrust bank and told them about this. Theu promised to close the account, but we keep getting account statements. We have called numerous times to get this account closed, and every time we are being told that this account is closed, however every month we keep getting account statements for an account that is supposedly closed.Desired Settlement: Wer want this account# [redacted] closed. We do not wish to receive ANY acount statements anymore!!!!!!!!

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 my suntrust account hacked July of last year it was suppose to get close in July of 2014 when I got my money back the account never got closed and there person who hacked my account did more trans action I had to go into the back and spend hours correcting it it finally got closed in dec then in jan I had to go back in again cause there were trying to charge me for the late fees from dec to jam when I thought the account was closed spent more hours in the store to correct this had to take time off of work now a yr later after the fact I get a call again from collections saying this account is now in collections again and I need to pay I don't know what else to do with these peopleDesired Settlement: For this account to finally get closed correctly and I never have to hear about it again

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: 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: I made a purchase through [redacted] for Dragon Software, a headset, and a book for $120.70. On 01/29/2016, I noticed that my debit card was charged twice in the amount of $120.70 for a total of $241.40. I contacted Latasha via chat and she was not helpful at all. This is the second time that Suntrust has held my money hostage through purchase authorization charges (once for Sears.com purchase and one for Amazon.com purchase). I want SunTrust to credit my account for the $120.70 they took without my permission for a purchase authorization charge.Desired Settlement: Credit my banking account with $120.70 for the purchase authorization charge they took out without my permission.

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 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: 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: 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: 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: 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.

Review: My checking account was closed without notice. It was closed due to check that I deposited that was written to me by a family member on a closed account. I had no knowledge that the deposited check was from a closed account at the time of the deposit. Once I saw that the check was returned, I immediately contacted the bank on my on. In that conversation, there was no mention that my account would be closed. Within hours of the conversation that I initiated with the Bank, my account was placed on a no debit status. And, I am not allowed to withdraw any funds from this account. My wife's employer has deposited her payroll check. We do NOT owe Suntrust any money, but they are holding our available funds. I have a direct deposit that is scheduled for April 30th. I have already been informed that funds of that deposit will be held too. Suntrust is telling me that a check will be sent after 10 business days. I have financial obligations that have to be met. (house note, utility payments, phone bills, expenses for child in college, food for my family, basic living expenses, etc) There is no reason that funds in this account are being held. The check that was returned has already been debited from the account, and there is no other money owed to the bank. I cannot afford to wait on a check to be mailed when the funds are readily available and nothing is owed to Suntrust. However, the bank refuses to allow access to our payroll earnings that have been deposited by our employers. This is causing undue and unwarranted financial hardship to my family.Desired Settlement: We simply want immediate access to funds in the Suntrust account. These are funds that we have worked and been paid for, and these funds do not belong to Suntrust in any way.

Business

Response:

Re: Revdex.com complaint #[redacted]

SunTrust has responded to our client but cannot share the

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

Please close this case in your records.

Consumer

Response:

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

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

Regards,

Review: I had used my new chip card at [redacted] one day and they had charged me more than once. I called my bank and [redacted] to have this straightened out. Eventually [redacted] refunded the $124.34 to my account. About a month later I received a letter from SunTrust bank saying that they were going to take the $124.34 [redacted] had refunded me out of my account on January 11. I called Suntrust and they could not explain to me why they were doing this. They said they would look into and get back with me. They never did. This morning I noticed they have taken out that money plus charged me a $36 overdraft fee for EVERY transaction I have have this month. Adding up to $180.. I have called Suntrust three times today and they can not give me a reason why this happened and are refusing to fix it.Desired Settlement: I want a full refund of $124.34 that [redacted] had refunded that they took back out and I also want a full refund for all five over draft fees they charged me equaling $180. That would be a total of $304.34.

Business

Response:

Dear Mr. [redacted]: We have received and reviewed your correspondence .forwarded to us from the Revdex.com regarding $124.34 that was debited from your above referenced account. I appreciate the opportunity to respond. Our records reflect that on November 28, 2015, we established Case [redacted] for transactions that you disputed totaling $124.34. On December 3, 2015, we credited your account $124.34 (statement copy enclosed) for the disputed transactions. On December 15 and December 21, 2015, we received credits from [redacted] and credited your account $62.17 on each date (statement copy enclosed). You have now received $248.68 credit for the dispute in the amount of $124.34. Because you were notified that we would debit $124.34 from your account on January 11, 2016, we have determined that the assessed overdraft fees are valid and will need to remain . Mr. [redacted], I understand this is not the resolution you were seeking from SunTrust and regret .any difficulty this situation may have caused. Should you have any questions regarding this case, please call our Fraud Assistance Center at 800.447.8994. A representative will be glad to speak with you. Sincerely, Diane [redacted] Assistant Vice President Client Advocacy Team Enclosures

Review: Last fall about October, I called Suntrust about closing my account, which was established long ago about 1998. The reason for this move was that my money would earn more money "under my pillow" than it would being hit by the excessive fees they charge for low balances. It was explained to me that there was a different type of checking account that had no penalty for a low balance, or at least nothing above $100. I was reluctant to give up my paper statements in favor of e-statements, plus set up an auto deposit, but I did them both.

The rep explained that I needed to establish an automatic deposit of $100 per month, and I would be exempt from these low balance fees. After noticing that I have been hit with the $7 fee every month since November, I had to call the 800-number to get rectified what must have been a clerical mistake. (Of course, if I still had my paper statements, I would have noticed this sooner.)

So before complaining about the erroneous fees for the past six months, I simply asked what was required on my account to avoid the low balance fees. The rep reiterated what I heard last Fall -- simply to have a $100 auto deposited into the account. I stated that I have that, with two-three deposits of $50 each per month. The phone rep shaked and shimmied (albeit politely,) before noting that each month must have a single deposit of $100 or more. Of course, autodeposit from an employer can't set different amounts of deposits, so by this "newly discovered clause," they would be asking me to place $200-300 per month in the Suntrust account, something I'm not financially capable of doing.

Hence, while I have a problem with the rule, I know I cannot dispute the Suntrust policy, whether longstanding or new. However, my problem is with the communication of the reps confirming not once, but twice, my requirements, and ended up costing me money. My account balance fluctuates wildly, and you would think they would want to keep, not antagonize customers.Desired Settlement: While I am disapponted with the Suntrust policy, inconsistency, and to a lesser degree attitude, I merely seek recompense and opportunity. I must request that the $7 x 7 months ($49) be refunded to me in any fashion they choose. This includes the current month, about to be hit with another fee.

On top of that, I must request one of three possibilities, to be determined by the Revdex.com and Suntrust:

1) Eliminate my requirements for fee avoidance in the future, and I will maintain my account relationship.

2) Continually apply the fee, the apply the refund each month, without me having to call again.

3) Offer me two months of grace from fees so that I can clear the currently issued checks on the account, close the account, and open a new one elsewhere.

Thank you for your consideration in this matter. The only reason I have maintained the relationship this long is due to the quality staff in the branches. Please let me know if that can continue or not.

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: Bank charges excessive fees. I was charged 72.00 in overdraft fees on pending charges and then another 36.00 because the previous overdraft fees overdrew my account. I was not aware the bank charged for pending trans as ctions.Desired Settlement: Refund of 108.00 for fees charged.

Business

Response:

We have received and reviewed your correspondence forwarded to

us from the Revdex.com regarding overdraft fees that were assessed to your above

referenced account. We appreciate the opportunity to respond.

Concerning debit card transactions, once a debit transaction

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

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

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

Generally, it can take between two to five business days for

debit card transactions to be presented for payment and permanently post to the

account. For this reason, clients must maintain accurate account records noting

all authorized debit transactions, including pending and credits to determine

their available balances. Detailed information concerning this matter is included

on page 17 and 18 of our Rules and Regulations for Deposit Accounts (enclosed)

and on our website [redacted].

On October 30, 2014 your account balance was $11.32. There

were two items pending for $114.11. ([redacted] for $1.97 and [redacted] for $112.14),

which reduced your balance to negative $102.79. On the same date, Check [redacted]

for $10.00 and a debit card purchase from [redacted] for $8.85 were presented and

paid. Since there were not sufficient funds in the account to pay the items,

your account was assessed a $36.00 overdraft fee for each transaction. This left

you with a negative balance of $173.73. On October 31, 2014 your account

balance was negative $171.76 (the transactions for [redacted] was no longer

pending though the [redacted] transaction was still pending) when Check [redacted] for

$10.00 was presented and paid. As there were not sufficient funds in the

account to pay the item, your account was assessed a $36.00 overdraft fee. This

left you with a negative balance of $217.76. As a courtesy, on November 17, 2014,

we refunded on $36.00 overdraft fee.

SunTrust offers two different types of Overdraft Services

for our clients, Overdraft protection and Overdraft Coverage.

Overdraft Protection

Allows clients to link their consumers deposit accounts to their other SunTrust

deposit, credit card, or line of credit accounts for the purpose of

transferring necessary funds to cover any shortfalls.

Overdraft Coverage

Allows SunTrust to decide whether to pay ATM and everyday

debit card transactions when the available balance is not sufficient to cover

the transaction. Unless you specifically request Overdraft Coverage, we will

not be allowed to pay overdrafts and assess fees for those two types of

transactions. Please note our ability to authorize overdrafts and assess fees

an any other type of transaction is not affected by this coverage.

Detailed information concerning these services may be found

on our website suntrust.com see [redacted]. Additional information

regarding Overdraft coverage is included on

our Personal Deposit Account Fee Schedule ([redacted]), provided at account

opening and on our website ([redacted]).

It is important that collected funds be in your account

before authoring debit items. Overdraft may be prevented by keeping accurate

account records, noting all deposit, check, 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.

It is SunTrust’s policy to offer its banking products and

services, including credit products, to any qualified applicant in a responsible

and non-discriminatory manner, and it compliance with all applicable Fair Banking

and Consumer Protection Laws. SunTrust is committed to fairly representing its

products and service and honestly and transparently disclosing the associated

costs and fees. Our goal is to provide value to our clients, protect their

interests, and assist them in selecting the products or services that meet

their needs. To that end, we scrutinize our disclosures to ensure that they are

clear and understandable; verify that information provided to our clients is

complete and accurate; and listen to our clients’ expressed needs. We provide

comprehensive training to our employees and perform ongoing monitoring to

ensure compliance with Consumer Protection Laws and Regulations.

We take allegation of unfair, deceptive, or abusive acts and

practices seriously and do not tolerate these actions from any employee.

[redacted], we hope the information provided is helpful to you.

If we may be of further assistance, please don’t hesitate to call [redacted] or

visit any SunTrust branch. Our representatives will be glad to help you. Thank

you for banking with SunTrust.

Sincerely,

Consumer

Response:

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

I do see it is legal for you to charge nsf fees on pending charges. My argument is this. I do an online order with [redacted] each month that takes 5 days to arrive. They never charge until I receive the order. I place it so that my automatic deposit goes in before the charge clears. I did it last month and was not charged. I was charged this month which resulted in the other charges. I won't do it again but this charge did not clear until after my deposit so it didn't cost you a thing and yet you still charge me for it. Also yes you did refund a 36.00 charge and then turned around and took it away again siting pending investigation or some crap. So you have refunded nothing.

Review: for several years they have harassed me for money I do not owe.the first year they said I owed $32,ooo causing me to have a heart attack as reported by my doctor rizalina leuterio so.daytona fl. my insurance is paid by beach club south,a condominium in which I live. it is a blanket policy covering all 34 units.my local carrier is [redacted] who claim my bill is paid promptly every year in march.tel.386-761-5840

Product_Or_Service: property wind,flood ins.

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Other (requires explanation)

I would like them to stop threatening me. one agent actually told me they are encouraged to provoke customers many of their letters start with the phrase this is a warning.

Business

Response:

Dear Ms. [redacted]: We received your correspondence regarding the above referenced case. However, you did not include a signed authorization farm from Ms. [redacted]. Therefore, we are unable to provide you with a copy of our response to Ms. [redacted] dated May 21, 2015. Upon receipt of the signed authorization form, we will gladly share a copy of our response with your office.

Review: I applied for a SunTrust Bank account online. I received a welcome letter asking me to make the deposit, but I only received the last four digits of the account. I went to my nearest branch on federal highway and [redacted] would not let me have my account number and told me I was declined!,, I HAVE AN APPROVAL LETTEr!!! This is possibly discrimination.Desired Settlement: I want what the letter states!! I have an account, and they refuse to give me the number, so that I can't make a deposit!!! I just want to say that your jealousy and stupidity are an ugly thing and I will sue. Don't you ever, ever refuse to help me because of the way I look or how much money I have. Your stupidity isn't going to stop me from getting what I want. I can also see what kind of people come into this bank, and I can see I don't belong. I was also inconvenienced by having to come in there and get my account number, which I never got. I'm not rded crazy or a criminal. If I don't get my way, this will not be resolved. Nor will you get my business, ever!!!!!!

Business

Response:

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

Please close this case on your records.

Consumer

Response:

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

THERE IS NO RESPONSE FROM ANYONE!!! What I have is an attachment that is a copy of a FAX sent to the regional office!! It states they cannot give them a copy of their response to me! I have received no phone call, no email from SunTrust, nor an apology! I DID FINALLY receive the letters WITH my ACCOUNT numbers on them, yet I'm still not able to make a successful deposit or transfer!! TALK ABOUT a HARDbTIME from [redacted]!! Your company wouldn't no a great customer or client if it slapped you in the face and called you [redacted]! Tell the ladies at the bank to get some facial fillers and liposuction so that they can be more pleasant to look at and be able to deal with the customers in front if them! Don't hate me because I take care of myself.

Regards,

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Description: Banks, Commercial Banking (NAICS: 522110)

Address: 7699 Harford Rd, Parkville, Maryland, United States, 21234

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