SunTrust Bank

Review: I purchased a phone on Sunday, February 16, 2014 online from [redacted] using my debit card. Suntrust deducted the money electronically and automatically for $ 535.00. Thursday February 20 the money was added back to my daily balance and not held as a pending transaction. Suntrust then reversed the credit on Friday afternoon. I contacted the bank to find out the reason for my account to be $-73.00. Suntrust reps said the $535.00 could only be held for 3-5 business days and was returned because the merchant never collected funds until Friday. My problem is that Suntrust posted back to my daily balance as a deposit/credit and not a pending credit. They knew that [redacted] had not been paid yet credited my account as if the transaction had been canceled. So I was using my card not knowing this account was still not paid. I even have requested NO overdraft protection. They are trying to process the payment now. They are blaming the merchant for not collceting in a timely manner, but I used money that was truly not available to my account. now my account is overdrawn.Desired Settlement: Any amount in the daily should really be available and not pending. And if merchant does not collect in the 3-5 window the transaction should be canceled

Business

Response:

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

Please close this case on your records.

Review: My 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 decided to make a deposit of a check via the mobile app. On the mobile app there is a statement at the bottom before you start the deposit that states "Any checks deposited before 9 pm ET will be credited to your account the same business day". I called, and supposedly no one could help me, and the last rep told me that if there were any other banking questions that she'd be glad to assist me, so pretty much to sum up the call, she disconnected "hung up" on me. I thought I'd give SunTrust bank a chance even though I heard bad things to start with, but I sincerely regret my decision to bank with SunTrust, and I will make sure every one knows of my complaint and how my situation of being handled like a piece of trash by SunTrust banks.Desired Settlement: SunTrust can either Arbitrate, or I can take this matter to court.

Business

Response:

We responded to [redacted] by letter on July 25, 2014. If you

have any questions about our response, please contact [redacted].

Sincerely,

Review: I am having a huge issues with false overdraft fees that the bank refuses to refund. I check my account and noticed that my bank had charged me 5 overdraft fees for 2 overdrafted transactions. When I asked them about it, they listed off the 5 transactions that caused the fees, none of which were overdrafts. According to my actual bank statements, only 2 items were overdrafted, yet they are telling me that other items that were charged (I had sufficient funds for these items as my bank statement proves) caused these fees.Desired Settlement: I would just like to see a refund of the 3 fees that should not have been charged, which totals $108.

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.

Review: I opened an online account and then proceeded to sign up transfers to my credit union using Suntrust transfer service. I set up my transfer to take place on 8/1/2014. I recorded emails that the transfer would take place on 8/1. Suntrust didn't take the funds from my account on 8/1 bit instead they devoted my account on 8/4. The transfer amount was larger than any of my pending transactions, so they posted that transfer first, even though I had pending transactions before 8/1 but they came in on 8/4. They charged cleared out my savings account to cover the transfer amount and then charged me $600 in overdraft fees to pay all the other pending transactions, as they posted. If they had posted from low to high or even based on transaction date, I would of only incurred a $36 fee. They refuse to acknowledge that the product they push on consumers is flawed because they do not debit the amount from your account on the day you request and the date that they communication from them states they will. They refuse to return any of the fees and blamed me, for their mistake, which they don't acknowledge. I had on several occasions informed them, prior to this incident that they never provided me with disclosure statements or a welcome kit, as I was told I would receive in the mail. I had no idea their policy was to post high to low and furthermore, this is predatory banking. I am unable to pay the necessaries that I need to survive and will either do without food for the next two week, as well as lights or risk having my car repossessed because they took my bill money from my direct deposit to pay their fees. I cannot speak with a branch manger because no branch owns my account, since I opened it online and 2 of the 3 branches in my area do not even have managers anyways! I believe they are making money from how they process debits and they also are unwilling to acknowledge the emails they sent me, which expressly say that the amount would be debited on 8/1 and not 8/4. I am escalating this to the attorney general, office of the president and my governor, of they continue to refuse returning my money! They won't even make an attempt to help me, other than saying they can only pay me back $36 of the $600 they took! I was even told the transfer wouldn't post,since the funds weren't there by a customer service rep but that was a lie. They posted it to my account because they knew they would make money on OD fees. I should of been advised of all of this when I signed up for transfer service.Desired Settlement: Please return the overdraft fees and fix the banking product you push on your customers. In this modern world of technology, if you say and I approve a transfer on a particular day - honor that date and don't blame system issues for your mistake for taking it at a later date and then charging customers for it! The communication you send out states one thing and you do another. I am a single mom, refund my fees that you should of never taken.

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.

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,

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: On September 18th, 2014 Suntrust took out $99.00 out of my account for no reason. On my bank statement it says "BANK ASSISTED TRANSFER TRANSFER TO CHK 6637 CONFIRM NBR 814130016" My father has talked to the manager at the [redacted] branch multiple times since this has happened. She told him it she had filled out a paper approving the refund and that my money would be back by October 15th, 2014. When the money never showed up my dad called and was told it would be back October 16th. My money has never shown up and it is now October 29th. The bank took the money for no reason and has never returned it.Desired Settlement: All I want is my $99.00 back into my account

Business

Response:

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

Review: Spoke with a Representitive ([redacted]) of Sun Trust concerning the maturity of my current loan.I was given options on how to take care of the balance. I told him that I would be refinancing my house and could pay off the loan in that capacity and should have the money by the end of November. I specifically asked if there would be any penaltys or additional fees asoosciated with this option. His reply to me was no as long as the loan was satisified within the 30 day term date (11/11/14)"the only fees would be accrued interest" which I agreed to pay. I received the money and called Sun Trust on 12/3/14 to get a payoff and take care of my obligation (spoke to [redacted])After receiving a fax with the amount and payoff instructions,I noticed that there was a $500 late fee which he neglected to tell me. I called back and spent 43 minutes on the phone with [redacted] who tranfered me to [redacted] ([redacted]) who said he couldnt help me but "I could mail in the chck without the late fee and see what happens??" I asked that I talk to his [redacted] and he proceeded to give me a phone number to call([redacted]) After another 33 minutes of waiting and being passed around,I was told I would get a call back.I waited two days without a call,and called again. I spoke to [redacted] (who couldn't help but was very nice) said that they were still waiting on the facts and hadn't received any information yet!After another 32 minutes on the phone explaining myself and the situation again,she emailed "her" [redacted] - who wouldnt talk to me or provide me with a number to speak to her- she said that she would possibly give me a call back that day. I haven't heard from anyone except the excessive phone calls from people that harass me from the collection dept.!!! This has been the most time consuming,annoying,and unpleasant experience that I have been involved with. The only thing I want to do is payoff the loan, receive resolution,and move on!Please contact me if you have any questions. [redacted]Desired Settlement: I would like for the $500 late fee removed along with the accrued interest that has been added on a daily basis trying to resolve this matter. I would like to pay the current balance ($20,374.97) based on the fax that was sent to me on 12/3/14.Please contact me if you have any questions.Thank you,[redacted] cell

Business

Response:

Re: Revdex.com complaint [redacted]We responded to [redacted] complaint by telephone.[redacted] called for the payoff amount in his account. He wasgiven incorrect information regarding the payoff amount and the amount he sentwas wrong.SunTrust accepted he short payoff amount and contributed theremainder of the payoff amount due to bank error.We reported the loan paid in fullThe client was glad.

Review: We signed up for a SunTrust bank account due to an online promotion that offered $200 if you open an online banking account and make certain deposits online within a pre-specified time window of 2 months.

However, after almost a month we are still unable to open an online banking account. By now, we have deposited money via customer service to activate the account and received checks and debit cards. Yet when we try to create the online banking log in, the process gives us an error about mid way through and says call a representative.

We have called multiple representatives and visited a SunTrust branch in person, but they all try the same fix - resend online banking invitation e-mail - which does not work. When it doesn't work, they send us away with the promise that it should work later (but it doesn't!) This process has cost us hours of our time, and it seems unlikely we will be able to get the $200 promotion that prompted us to sign up in the first place. The whole thing feels like a bait and switch.Desired Settlement: We would like SunTrust to successfully establish our online banking account (without hours of talking to customer service). Once they set up our online account, we would like the full amount of time initially offered to make the deposits needed to receive the $200 promotion (2 months).

Business

Response:

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

Review: I had made a deposit on 5/4/15 at one of your ATMS in MIAMI in the amount of $500 USD thinking my account was now positive again it made my account negative according to the rep on the phone because it was done after business hours. At this ATM there is NO sign that states the time. The rep on the phone was rude (you can listen if you record) that she was doing me a favor one time by only giving me back $72 out of the $216 ya;ll charged me even though I had the funds in my account. I am wanting a FULL refund.

Thank you!Desired Settlement: Refund my other $144

Business

Response:

We responded to Mr. [redacted] by letter on May 19, 2015. If you have any questions about our response, please contact Mr. [redacted]. Sincerely, [redacted] Vice President and Manager Executive Services

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: 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: My husband and I opened this account due to the fact that they had an agreement with my husband's employer regarding direct deposit. This account very rarely was in the positive for a balance due to their unfair practice of debits before credits. My husband's paycheck ranged anywhere between $850 - $1,300 weekly and after his check was deposited we were lucky to be left with $200 due to the excessive overdraft fees. I would call to check the balance every day, sometimes 5 times a day when it was payday, and there were times when his check wasn't direct deposited to the account until the NEXT night, even though it was supposed to be by midnight that day. Needless to say, I closed this account with what I thought was a 0 balance. It is now in collections and they sent me paper work to prove to me this is my debt. This paperwork shows that this account was closed with approximately $100 owed to me, and that the last transaction on the account was 7/20/10, yet I was being charged NSF fees all the way through to 9/08/10. How is this even possible?? Now they are saying I owe them ANOTHER $1,663.05 in overdraft fees that the account managed to accrue when I wasn't even using it??? It also shows that I have a $1,633.05 closing credit.Desired Settlement: I want this cleared to a zero balance, as it should be, and taken off of my credit report.

Business

Response:

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

to us from the Revdex.com regarding the status of the above referenced account. I

appreciate the opportunity to respond.You mentioned that your account was closed on July 20, 2010

with about $100 owed to you. Your statement dated July 20, 2010 shows your

account was negative $863.05. Transactions continued to be presented against

the insufficient balance in the account through September 10, 2010, when we

closed your account with an owed balance of $1,633.05. I have [redacted] statements

showing the transactions from June 18 through September 20, 2010 for your

review. Based on this information and that items were presented for payment

against insufficient balances, we have determined that the assessed overdraft

fees are valid and will remain.Your account is currently with the collections agency **

[redacted]. Should you want to discuss a possible settlement offer, please call **

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

If we may be of further assistance, please don’t hesitate to call our DDA

Recovery Department at [redacted]. A representative will be glad to help you.Sincerely,[redacted]

Review: SunTrust Consumer Loan Payments company illegally repossessed, my vehicle. Not once but twice. The first time they repossessed the truck without any notice of default. We received the default notice 2 weeks after repossession. This last time they repossessed the truck illegally. I went to the bank and made payments that did not show up on their system at the main branch. I then made another payment for the current month and was told by a banking official at the [redacted] Location that my account was up to date and paid in full. I then went to the repossession company and tried to get my truck released with the code the bank provided and the company told me I had to pay a $75 fee which the bank told me I did not have to pay. Because the bank person said the vehicle should not have been repossessed, and I did not have to pay anything to retrieve it. When I decided to pay it, I was then told the release had been revoked. I still do not have my truck, lost income from two family members for missed work to clarify this situation and to top everything off, The tow company was rude and not giving of information to my mom whom I asked to call to find out hours of the tow company. Premier Finance Adjusters. Their employees at both locations suck! The only helpful employee is [redacted] at the [redacted] Branch of SunTrust Bank. When the branch screens do not match the Main Branch screen there is a problem. I only owed for 23 of May and the June payment just came due. I made the full payment was made via my bank but the account numbers did not match and the payment did not go through. The notice of my payments that I received was dated May 26, I received the statement on June 29th, after the due date of my payment.. I paid $337.32 in June according to that statement I owed $200 for May and all of June fro a grand total of 568.66. They are not timely in notifications, the illegally repo vehicles. Now they want me to pay the remaining balance of $10,339.Desired Settlement: I want my [redacted]HD truck back. I want them to pay all repo fees I've been charged from both instances. The gas used to drive my vehicle to the repo lot. The stolen Reese hitch sleeve, from the first repossession. all fees the bank charged me that made me pay more than I had to on the first repo. I had stet up payment arrangements that the bank offered me and they revoked them the day of repossession. Payment was due in one week and they made me pay it early, causing a hardship on the whole family and putting at risk my Military service. (No vehicle to get there.) I want them fined for aggravation and harassment.

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: During the last week of July, I received three unauthorized payments via [redacted] from my Sun Trust checking account. As these payments were unauthorized withdrawals, I immediately rectified the issue with Sun Trust, who informed me that I should take the issue up with [redacted] first, which I did, and then I was told by Sun Trust that the overdraft fees that were incurred as a result of the unauthorized withdraws would be rectified and removed from my account. It has been nearly 3 weeks since that occurred (and [redacted] did in fact confirm that the three transactions were in fact unauthorized, and credited the amounts back to my account). I recently called SunTrust to inquire why the overdraft fees were not credited back to my account, and they claimed that no record existed of any sort of fraudulent investigation was taking place for my checking account and the unauthorized [redacted] transactions.Desired Settlement: I simply want the multiple overdraft fees (7/27, 7/27, and 7/29) reversed in my checking account, as originally promised by the agent I spoke with on the phone.

Business

Response:

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

to us from the Revdex.com regarding overdraft fees assessed to the above referenced

account. I appreciate the opportunity to respond.Our records show that three items from [redacted] posted to your

account against an unavailable balance between July 23 and July 28, 2015. These

items were for $8.00 on July 23, $6.95 on July 27, and $1.99 on July 28, 2015.

While a $36.00 overdraft fee was assessed for each of the first two items, no

fee was assessed for the last transactions because it was under $5.00. Although

we do not show that [redacted] credited there items to your account, we have

refunded $72.00 in overdraft fess as a courtesy.If you would like for us to set up a fraud claim for you

regarding the [redacted] transactions please call our Fraud Assistance Center at

[redacted]. They will research the disputed transaction and respond to you with

their findings.[redacted], I hope the information provided is helpful to you.

Should you have any questions or concerns, please feel free to contact us via

your Online Banking Profile. Call us at [redacted] or visit any SunTrust branch.

Our representatives will be glad to assist you. Sincerely,[redacted]

Review: I have been with Suntrust for a couple months and this month I was balancing my checkbook and found my account overdrawn. Went to a local branch and they stated there was nothing they could do. They have charged me 9 $36 overdraft fees and most of them were when I was not negative and due to these charges it has put my account into a total negative tailspin and now am sitting over -$700. I have called the 800# and no one could give me any good information as to why I was charged these charges when I had plenty of money in my account to cover everything. Tried to speak to the local bank manager but she left as I was waiting to speak to her and I have not heard back since Friday 10/16/15.Desired Settlement: Since no one can show me why the first 4 $36 overdraft charges were filed on 10/13/15 while I was positive in my account they should be refunded, which in turn would abolish the other 5 $36 overdraft charges and a $12.50 overdraft protection fee and this in turn would turn my account back into the positive and would eliminate my negative balance. I would like to see my account with a zero balance and then have it closed completely.

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:

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.

[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: I had deposited $16 on Feb 14 to my bank account. It has yet to appear and my account is now negative. When calling to complain, customer service was poor, and long and I had to hang up. UnacceptablemDesired Settlement: I want my 16 dollars back

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: In Jan 2015, I began noticing fraudulent activity on my checking account. I attempted to rectify this with SunTrust on multiple occasions. This stretched on until midsummer.

In Oct 2015 I made a single cash advance from my credit card account. It was the first time I've done that. On Nov 3rd, 2015, I noticed two unauthorized cash advances from my credit account to my checking account, totalling $230. I contacted SunTrust and was told a case was opened and it would take 30 days. They never contacted me at the conclusion. I contacted them multiple times in Jan 2016, and was repeatedly told my case would be forwarded and I'd receive a callback. I never received a call, nor postal correspondence. I was eventually told I was responsible for the two cash advance fees and interest charges, because I didn't move the money back. However, I was never advised to move the money myself, and in prior incidents they had moved the monies. I had no way of knowing they handled credit accounts differently. After struggling to speak with outsourced reps, I finally spoke to someone claiming to be from corporate, who offered no assistance. This individual suggested locking my online account. I specifically refused that repeatedly, as it doesn't help me. It actually hinders my ability to monitor the accounts myself. I had given up on recovering the fees and charges, but I tried to log into my account only to find they had locked it anyway. At this point I know I can't get any real help from them.Desired Settlement: I'm not 100% sure what can be done now. I want the account unlocked. The cash advance fees only totalled $20, and the interest isn't a massive amount. Again, I had given up on recovering that. I just need help.

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.