SunTrust Bank

Review: Hello I am [redacted] .I have had suntrust since September 2014. I signed up online under a summer promotion. The first problem I had with this bank was not receiving the promotion until I called and demanded it and received it months later.More recently, I have encountered problems with overdraft. Every since the fist time I had to pay them a $36 fee I requested overdraft protection. I signed up over the phone with a live rep. Time and time again this bank has charged me overdraft fees for paying for my purchase. On 4/27 I was charged 108 dollars and was refunded because I was told I signed up for overdraft protection. This was said to be a bank era. A few days ago I received a letter in the mail saying I no longer had a savings account due to federal regulations and spending. My savings account was supposedly closed.Then on mAy 4 I was charged 180 overdraft charges and told that I could not be helped! They added insult to injury by refunding me $35. My question is why is it not a bank era? Why am I overdraft when I had 4000 in my account. I had to physically go close my savings account after being told it was closed. I am out of $180 and suntrust does not care. On 4/27 they refunded me 108 and called it a bank Error.. A few days later took 180 and it's my error? This bank cannot be trusted. I demand action! By all means I am not trying to get over on anyone. I am unemployed and suntrust is stealing my money! They refused to help and offered no assistance. Revdex.com please help I have a copy of all documents if neededDesired Settlement: $145

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: On 6/22/2015 I call suntrust band spoke with [redacted] to stop charges from a tre scalp med. after 30 long min. she assured me for the next 6 mo. there would be no charges on my account. I had previously contacted the tre scalp med company and they basically told me they would not stop the charges. on 6/29/2015 I noticed a charge pending on my account from tre sclap med again. I called suntrust and spoke with 2 supervisors first [redacted] second [redacted] who told me nothing could be done and the charge was going through. Then [redacted] told me only way [redacted] could have stopped charge was to cancel my debt card. Which she never nor did he offer to do. Because of the extremely poor customer service from these three agents I will be filing this complaint.Desired Settlement: do not charge the charge to my account and do not charge me extra to remove it. Honor what your employee promised

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: Hello. My name is [redacted] and I'm from Naples, Florida. Last week, I opened a checking account with Sun Trust. I was really happy with how convenient your service of opening an account online. I am working about 70+ hours a week currently so I have had zero time to go into a branch. When I was finished and had made a small deposit, I actually thought it was a little too easy to do. I havent had a traditional checking account in 3+ years so I just figured that this is how its done now... Lol. The deposit of $50 I made was using my [redacted] Debit card. The transaction went through without issue and I immediately received a text from my [redacted] account that $50.00 had been debited.

The next day, a Saturday, I called 800-Suntrust in order to setup online account access. That was also very simple and in relative short time. I logged on and looked around to familarize myself to see to what extent I might use my new Suntrust account.

By the way, I needed and then opened this account with Suntrust in order to pay rent to my new landlord's property management company for my family's new house. They only accept rent payments directly from a checking account via ACH and I thought it would be better to have a traditional type of account to pay this with this method each month. I didn't have any experience with ACH debits with my [redacted] account nor was I sure if it was even possible to do. The only time Ive seen ACH used in the [redacted] account was with my direct deposits from my employer.

After looking around the site, I decided to go ahead and setup two more deposits into the new account. Due to moving my family into this new house, I was soon needing to pay a very large amount of money to this new landlord for the deposits, 1st/Last month's rent, etc. In order to help supplement the funds I had available in my [redacted] account, I made withdrawal transfers from the two lines of credit that I have with two other financial institutions that Ive had to use from time to time over the last couple of years. On their websites, I set up to have the funds from these two withdrawals to be deposited into my new Suntrust checking account. Each of the two deposits into the Suntrust account was for $1,000. Both deposits of $1,000 were setup to be transfered to Suntrust via ACH which I chose over having to pay for Fedex overnight delivery charges for a mailed check. So, by the third day of having my Suntrust checking account open and active, I had made a deposit of $50 the first day, set up an ACH deposit for $1,000 to my SunTrust account on the second day, and setup a second and seperate ACH deposit for $1,000 to my Suntrust account on the third day.

On Monday midday, I logged onto Suntrust Online Banking to look at my account balance. It was still zero which I thought odd. I had already guessed it would have taken longer for the two $1,000 deposits to appear but I felt like the $50 deposit should have been there in the account already. Planned to check it again that night.

During that same afternoon, I was told by my realtor that I needed to call the Landlord's management company that they needed anoth piece of information from me as part of the lease application and signing process. She needed to verify that the account information that I provided on the automatic withdrawals form for rent payments. She suggested that I call the bank and have them fax over a letter or do a three way call with my bank. She dialed the Suntrust 1-800 number that I provided to her and I went through the menu to a representative. I explained to the rep what I needed to do and why and after stating my account number and routing number and I stated that the other person on the call had my permission to hear my account information. I stated my account information, he confirmed those numbers, and then she read the numbers off my form to him and he confirmed. Went very smoothly and only took a few minutes. You Suntrust Representative was very courteous and assisted us perfectly for this account information confirmation.

That evening, I logged onto online banking for Suntrust to check on my three deposits. The balance was still $0. I planned to call Suntrust the next morning to find out what was wrong with the $50 deposit. I figured the other two $1,000 deposits would go through overnight. A couple of hours later, I decided to log onto online banking once more to see if the $50 deposit had come through. It said my password didnt match. I tried again and no match. I then hit the forgot password function and went through the steps to reset the password. Went to login with the new password and same issue. Reset password again and same issue. Then I opened the Suntrust app and clicked the reset password from there. I then got a warning that my account had been restricted and to call 1-800-Suntrust to resolve the problem. I figured I had tried the wrong password too many times and caused it to lock up like happens to all of us from time to time. I planned to call the 1-800 Suntrust number the next morning.

I called 1-800 Suntrust just before 9 am the next morning. The rep said he would unlock the account after asking me some questions. After some questions, he then asked to put me on hold to transfer me to an online account specialist. A minute later, the same man returned to tell me my checking account had been closed and Suntrust would be sending me a letter explaining why it was closed. I asked why it was closed. He said it was closed due to violation of Suntrust's rules and policies. He then said that my balance would be sent to me in the form of a check in the mail. He said that this was the only information he had access to. I said a check in the mail was unacceptable. He said I could visit any Suntrust branch and they could probably answer more questions and they could also write me a check for the balance of the funds. I was a little less freaked out after he said this thinking a branch manager could surely get this mistake straightened out....and it had to had been a mistake since this guy on the phone seemed to have absolutely zero information as to why I'm all of a sudden being told my account is closed. Around noon, I went to the Lely Branch which is located right across the street from the golf course community where I work, [redacted]. The person inside the branch said I just needed to sign a signature card and the account should be reinstated the next day. I filled out the signature card form. He talked to the branch manager in the office next to him who instructed him exactly what to do. He gave me a welcome packet, told me "not to worry that everything was gonna be ok and we will get this straightened out for you Mr [redacted]". He then wrote my cell number down, gave me his card, and said he would call me within an hour to let me know what to expect with my account. By 3 hours later, he had NOT called me so I called him. He said he knew nothing additional, he said to wait until tomorrow and the account MIGHT reopen and that if I had any further questions to call 1-800 Suntrust. I reminded him that that is who sent me to the branch. He said there was nothing more he could do because the online account system is a totally different system than what they have and that all he himself would do would be to call 1-800 Suntrust which is what I could do....he was singing a way different tune than earlier. So I hung up and called 1-800 Suntrust. A rep then totally refuted everything that this branch rep told me and that I could go back there and they would write me a check for the balance of the funds because there was a note on my account that they could see on their system at the branch. The note said I could pick up a check from any Suntrust branch....he said. I said I didnt think they would so he volunteered to call them for me. He out me on hold for about 10 minutes and came back to say he didnt know why the branch is pretending not to see the note on the account about writing me the check and that they said they would not write me a check because they didnt feel comfortable doing it. I asked if the guy could call a different branch again for me and he said yes he would. I gave him a branch near my house and he says "write the branch number down in case we get disconnected, Im going to out you on hold agsin like I did the first time"....about 2 minutes went by and some lady stsrted saying Hello, Hello. After some uncomfortable conversation trying to ask who she was and explain who I was, I figured out that the 1-800 Suntrust guy had done nothing but hung the phone up to dodge helping me with it and just connected me directly to the branch with zero advance explanation as to who I was and what was going on. I then told the branch lady I would come by tomorrow morning since they were closing within the next five minutes.

Tonight I did some research online on Suntrust. I found a ton of complaints from other customers in cases just like mine....except they had deposited checks....not ACH cash transfers like I had done. I read these complaints on [redacted], where I found this email address that Im writing to, all over the Revdex.com website, and on other various website. It seemed the ones who posted on [redacted] and communicated with you at this email address got some sort of help and that your dept was actually concerned and interested in resolution to the complaints. I hope you can help. I know the explanation above is long but I wanted to be as detailed as possible. It was easy to remember everything just because it is/was such a strange thing that has happened and the length that these people took to pass me around all day long while saying totally contradicting statements. I need to know what is happening and why, what can I do to get my account reopened and normal again, and how can I quickly get the funds from my account so I can make this rent and deposit payment. I would hope the account can stay open.Desired Settlement: I would like the balance of my checking account given back to me immediately OR the restrictions on the account totally lifted and immediately so I can access my funds.

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 reported fraudulent activity on my checking account back in January 2013, and SunTrust closed the account after completing the necessary steps to investigate my claims. No one from the fraud/recovery department or anyone else from this organization has tried to contact me in regards to this closed account until now, when they withdrew $466.26 out of my new checking account. I called the recovery department to find out what happened; since this is was news to me; and the woman on the phone basically blamed me for having a fraudulent account and that I owed the funds after almost two and a half years after the fact. Why has no one contacted me to tell me what was going on? Why do I owe money on an account that had fraudulent activity going on? I do not understand why as she so nicely put it "we have the right to take the money whenever" when it's so long after I filed a claim. No one has contacted me about any balance on an old account to try to resolve anything. As I mentioned before, this is news to me; even though the recovery/fraud department never said anything to me about taking any extra steps.Desired Settlement: I want this matter resolved promptly and the fund returned to my account from which they were taken.

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 requested bank statements because the online statement available did not go back far enough into the time period I needed. There was no disclosure that it would cost me 55 dollars to request bank statements. There was no disclosure that it would cost anything at all. Had I known it was going to charge my account 55 dollars I would have not requested the statements. There was no "checkout" confirmation stating a price. When I asked if I could cancel the request I was told no because it had already withdrew the money from my account. I stated that I should be refunded this amount as it was not disclosed during the time requested the amount it would cost. I was told I can go to a local branch regarding this issue. However, I requested them through the online service and feel that I should not have to go to a local branch which would require me to miss work and travel out of my way for an issue where the bank failed to disclose at the time of request the cost.Desired Settlement: I would like a refund. I will be more than happy to return the statements if need be but I feel this charge is way to expensive for the service rendered and was not properly disclosed to me.

Business

Response:

Re [redacted] Revdex.com Case [redacted]We have responded by telephone to our client but cannot share the response with the Revdex.com as no signed third party authorization was received.[redacted]

Review: My account became overdrafted for 144$ because they take their pending items out in an order that results in the most overdraft fees possible. This is not the first time this has happened to me. I only made one purchase on the date in question but they still swapped my pending items around so that after that purchase they could overdraft me 4 times.Desired Settlement: I would like them to refund me at least two of the overdraft fees totaling 36$ apiece as I feel that these fees were unwarranted.

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: When I opened my account online I entered a promo code to receive a credit of $100.00 for opening an account, as long as I sett up direct deposit (which I did). I never got the credit, and whenI called they will not honor it. I qualify!Desired Settlement: I want the 100.00 credit as promised!

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 was in the market looking for a local bank around my duty station in maryland to switch to. I saw SunTrust offering a promotion that read "Open a new account and make $500.00 worth of direct deposits in two months and get $100.00; $1,000 and get $200.00; I instantly jumped onto that and asked questions to the bank. Basically I was led on to believe and also saw in writing that the deposits have to total by the end of two months by the total account balance of $500.00 or more/$1,000 or more to receive the promotion. I opened an account with SunTrust around Sept. of 2015. Knowing this, I thought banks were offering promotions to entice consumers into being apart of their services. Being Active Duty, I am stationed wherever my orders say I am stationed at and my household is located on another state. I was also opening a card on that account and the system would not allow me to open one. Instead, I was led on to believe that changing my address would help facilitate the opening of a new credit line with the same bank. I have this with another bank but their offers are dying and there not as good as SunTrusts at the time. I was declined twice and the address was not changed back to my Maryland Address which caused me much much trouble. The branch also forgot to accept the promotional offer when I signed up and they forgot many other things. The branch I was in was so slow, I couldn't get a thing processed correctly! Because of all these errors, I am being blamed as the customer for not having the right information to receive what I am entitled to. I have claims on my account detailing all the information and This has been on-going for the past 3 months. A representive from the branch couldn't help, a manager tried and couldn't help and a representive hung up on me on the phone on 1/14/16 and told me [redacted] you you want to close the account I dont want to look further into your problems. DONT BANK WITH SUNTRUST. NO CUSTOMER ETHICS! BAD MARKETING SCHEMES! THEY WIL GET UDesired Settlement: A check in the amount of $100.00 Mailed to my address on-file.

Name: [redacted] Account ending in [redacted] Mastercard DEBIT

Business

Response:

Re: Revdex.com complaint# [redacted] SunTtust 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.

I have reviewed the cover sheet explaining the offer was sent to me, the "client" of this case. I have received no such reply or offer from SunTrust and will continue to pursue the case pending the desired outcome of this case. This in no means supports the objectives within this case and has not satisfied the resolve within this problem.

Review: On Apr 2-2-16 I deposited a check for $2100 I was told funds will be available on. 2-9-16 on. 2-10-16 I went To withdrawal the. Money and. Was told my. Account was being closed and. I would receive. A check. In the mail at the end of their investigationand it would be 15 days after the close of the investigation the check I deposited has cleared on the bank it was written onI need my money today or an explanation or a date when my money is available thank youDesired Settlement: I want to go to my local branch and get the 2300 in my checking acct and. Then close all accounts.

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.]

I was told my money was being held until may 2 2016.. Was still not given explanation as to why ., call customer service to see if it would be available sooner was told no may 2 2016 still no explation as to why ... I want my money released immediately...

Regards,

Business

Response:

Review: I had filed a claim in the fraud prevention department to reclaim money from a fraudulent transaction. After four phone calls over the course of several months, I was told that all necessary information from my party has been received and to call again in a week to make sure it's processed. Suddenly a week later, I was notified that my claim was closed due to not receiving my requested documentation. After contacting the department manager, I was told that the case can only be reopened if I can provide proof that sent the requested document. Not only was I lied to about my claim being processed, SunTrust will only reopen my case contingent upon providing proof I had given them my documentation. Proof that I was told I wouldn't need. I am filing a complaint with the Revdex.com to see that SunTrust doesn't promise a service it does not want to provide to its loyal customers.Desired Settlement: I would like for SunTrust fraud department to provide its service to its customer in which it is promising. I have been hung up on and lied to by different representatives in this department for this process alone. Just reinstate my case number, or claim, as all of the requested documents have been provided as asked. The department manager currently has and admitted to receiving the requested testimony of my party for this claim.

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.

I've banked with Suntrust for decades, but today I reached my limit with customer service. My debit number was stolen last weekend, and I was supposedly issued a new card with the admonition that it takes 3-5 business days to get to me. Well after 5 days and still no card, I called, merely to check. I was hung up on TWICE by people after being on hold over a half hour, after I explained what I needed to know: whether or not a card was in the mail to me. Sounds SIMPLE, but apparently it wasn't for the two lousy people who hung up. So, I tracked down a number for my local branch and they jumped through hoops to get me the information. I dislike having to pull people away from their jobs in a branch waiting on customers for what should have been a simple computer lookup.

Review: On November 5th I went to use my debit card and it was declined. Outside of the embarrassment and confusion, I immediately call Suntrust and I'm told someone called in and I was told nothing could be discussed with me over the phone due to security issues and that I had to go into a branch. Mind you this is at 7pm so there was no way to do that and my only other option was to email through my online banking. I sent 4 emails and I never heard back from anyone even though I stayed I would file a complaint with Revdex.com. I then go to the bank the following day and find out someone called in on October 30th with my card info but no account info so they cancelled my card and put a hold on my account. At no point did anyone call me to notify me of anything. I'm told I'll be sent a new card and that everything was fine. A week later I go back into the bank just to find out a new card was not issued. In fact, they show I have a card. I explain that they sent me two when I opened the account and I discarded the second per my conversation with customer service when I originally activated my card. Now all of this time has passed, still not one phone call, no card and to top it off I find out there's STILL a security issue because I can not even check info or speak to anyone via phone. To say I'm highly upset with SunTrust is an understatement. There is zero reason why this has yet to be resolved and I have yet to hear from anyone and this occurred on 10/30/15. I plan to bank elsewhere now.Desired Settlement: I want my account fixed where I have access to it, my card issued and I'd like an explanation as to why not one person ever phoned me to notify me of a security issue with 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 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 Feb 9, 2016 I tried to make a deposit at a local atm to cover a negative pending balance and the atm gave me an error message. I took a picture of the error message and went home. I called suntrust the next day as I forgot to call that same day and explain the situation. I explained to the representative that I had a pending negative balance of the amount of -219.16. and in order to avoid the overdraft fees charges I tried to deposit $240 and it wouldn't let me. representative refunded two of the four overdraft charges on Feb 10, 2016 due to that I never had requested an overdraft fee refund nor I had ever and overdraft charge on my account since I opened it. In order to give me credit for the remainder two overdraft charges I was directed by the representative to deposit the $240 in order to prove that I had the funds and to contact the branch where it occurred. I did those things and that did not happened. I even email the pic of the error message to another representative. I kept getting the run around every time I had something they wanted in order to credit the remaining overdraft fees. I got tired of calling after I was informed that there was nothing they could do and they will not refund me the other two remaining overdraft fees even though I deposited the money to prove I had the funds and contacted the local branch who just referred me to the 1 800 number like I was told to do in order to have the the other two waived.Desired Settlement: I would like the remaining two overdraft fees that occurred on Feb 9, 2016 to be refunded as I was advised it would be.

Business

Response:

Dear Ms. [redacted]: We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding overdraft fees assessed to your above referenced account. I appreciate the opportunity to respond. SunTrust strives to provide exceptional service with each and every client interaction, and we understand that we did not meet these expectations in this situation. For that we apologize. The information you provided helps us to know where emphasis for future training and process improvement efforts should be placed. We learn how and where we can improve from clients like you, taking the time to share your experiences. Our records reflect that, on February 9, 2016, during the time period you stated that you attempted to make a deposit, there were no reported issues with the ATM. As a courtesy, we refunded $72.00 in overdraft fees that you incurred because you were unable to make a deposit. I understand that you were told with proof of the error message that you received, we would be able to refund an additional $72 .00. Since we have not received a copy of the error message, we respectfully decline your request for additional refunds. In order to decrease the chances of overdraft fees, please visit suntrust.com, where you will find helpful tips on how to manage your account and avoid fees (see Banking-. Overview Guides and Disclosures-+ The Facts About Banking). 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. You may also want to set up Overdraft Protection, whereby a protector account is linked to your transaction account to cover any potential shortfalls. Detailed information about this service is found on our website (see Personal Banking-+Checking Account Features-+ Overdraft Services). Instructions for signing up for Overdraft Protection and setting up email or mobile alerts are also found on our.website. Ms. [redacted], although this may not be the answer you expected, I hope that the information about avoiding overdrafts is helpful to you. Should you have any additional questions or concerns regarding your account, please do not hesitate to contact us via your Online Banking Profile, call us at 800.SUNTRUST (800.786.8787) or visit any SunTrust branch. A representative will be glad to assist you. Sincerely, Diane [redacted] Assistant Vice President Client Advocacy Office

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's offer. If you wish, you may update it before sending it.]

I have reviewed the offer made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. My overdraft fees got refunded the remainder two even though the reply stated that they wont do it.

Regards,

Review: My family and I deposit our checks weekly. We live paycheck to paycheck, we were about to leave for out of town and my wife was doing her regular check up and filing all of our pay stubs. What she had calculated came out wrong. She had an extra check and could not find it anywhere in our statement that it was deposited. The check was a balance of $586.09. We left for out of town and called customer service not once but TWICE. We explained the situation and neither representative could find that amount nor check number in our account.There is NO proof of the check EVER being cashed ANYWHERE. We were on the phone seriously for 45 minutes each. The last representative said go to your local suntrust bank and see if they put the check through. So we went to the nearest Suntrust explained the situation, and they cashed it. We received $200 cash that day and the rest was deposited in our account. About a week later all of a sudden $586.09 was taken out of our account so we called ST again and explained the situation furious that our accounts had been negative. Once again they could not find anything. We were on the phone for another hour. This is Suntrusts mess up. There is no proof of the check being cashed twice. We keep track of all of our finances very well because we budget everything. Suntrust TOLD us to cash it. That is what we did. and now our bank accounts are in the negative. We took every step to figure out what went wrong. There is STILL no proof of the check anywhere in their system and we were given money that we DEPENDED on and then it was taken away without warning. Something needs to be done. For all I know they could have just entered it into their system. Please, we are not bad or greedy people, we just didn't know what to do, We simply did what we were told.Desired Settlement: We want our money back. It is Suntrusts problem for not giving us proof the check was cashed. Out of the five people we talked to NO ONE could understand where the system went wrong.

Business

Response:

We have contacted Mr. [redacted] regarding his concerns. We are unable to provide a copy of the response because we have not received a signed authorization form allowing us to do so.

Review: December 2012 I made a payment for a vehicle that I have loan on with this bank. The bank branch made an internal error, losing our payment, that caused the bank to charge us a late fee on the account and send us notices of non payment. After contacting the branch and the completion of an internal investigation they confirmed the error and corrected our account. Months later I checked my credit report and found that a 30 late notice was sent to the credit bureaus which had a significant impact to my credit score. I contacted the local branch and they confirmed that my account was up to date and that there was no late payments. Upon this notice they recommended that I file a dispute on the charge which should cause it easily to be resolved and be removed. I immediately filed a dispute with the credit bureau. Once the investigation was complete the report came back as being a correct late payment. I have hit a cross roads on how to get this resolved. The payment was not late and the branch has confirmed this multiple times. I feel I am being punished for a bank error.Desired Settlement: I would like our Suntrust account to accurately reflect the correct status of on time payments. I would like the fraudulent notices of late payment that were sent to the three major credit bureaus to be retracted to reflect our correct payment timeliness. I would like a notice from Suntrust that this has been resolved, I notice from the three credit bureas confirming the correction or an updated copy of my credit report from each credit burea provided to me by Suntrust(or the covering of the cost to retrieve these, due to me using my free annual credit report to identify this error).

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 opened a checking account with Suntrust Bank on-line February 18th and made my first initial deposit of approximately $1,309.00 on February 19th at 11:44am. I found out that the bank closed my account the following day. I have been in-contact with the branch I made the deposit at, which is located at [redacted]. I have been speaking with an employee by the name [redacted] who never returns my phone calls and has yet to get me answer on where my money is and when I am getting it back.Desired Settlement: A check issued to me in person or sent by over night mail with compensation.

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 signed up for an account at the [redacted] Sun Trust branch and was led to believe that by opening an account with a balance above $500, certain service charges for processing an auto loan would be reduced. Additionally, I was informed that the account would be free if the balance was above $500. However, I was charged a service fee of $15 a month while the account remained open. I never used the account. The charges were misrepresented by the bank and I feel as if it stole from me.Desired Settlement: I would like to be refunded all account service charges by Sun Trust on the account.

Business

Response:

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

Please close this case on your records.

Review: I opened a checking account with suntrust 4 years age. Since that time my account is missing in excess of $4000 dollars. Suntrust says that they are charging me overdraft and extend overdraft fees that account for this money.My suntrust checking account has been represented to me as having overdraft coverage that causes my check card to act as a credit card with an indatermanent credit line. This service was never represented to have any fees. Suntrust also manipulates the account balance to maximize overdrafts. customer service has did nothing to rectify this issue. to date my money has not been returned.Desired Settlement: DesiredSettlementID: Refund

Complete refund of all overdraft and extended overdraft fees.

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,

The customer called and that he has not gotten a response form SunTrust and is attaching the signed form to hear from the business.

Business

Response:

Dear [redacted]:

We have received and reviewed your correspondence regarding overdraft fees assessed to the above referenced account Thank you for notifying us of your concerns and providing us the opportunity to respond.

As you are enrolled in Online Banking, you will find useful information online 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. Helpful information regarding overdraft fees can also be found at [redacted]

As a suggestion, you may want to set up Overdraft Protection, whereby a protector account is linked to your transaction account to cover any shortfalls. Another type of overdraft service we recommend is called Overdraft coverage which prohibits the authorization of everyday debit card transactions when the available balance is not sufficient to cover the transaction.

Detailed information concerning these services may be found on our website [redacted] ([redacted]. Additional information regarding Overdraft Coverage is included on page 7 of our Personal Deposit Accounts Fee Schedule ([redacted]), provided at account opening and on our website [redacted]).

The account is currently overdrawn. Because of this, we ask that you please make a deposit as soon as possible to bring the account to a positive or zero balance. Doing so may prevent the account from being closed with an owed balance and reported to various consumer reporting agencies.

Due to items were presented for payment against insufficient balances. We have determined that the assessed overdraft fees are valid and will remain. You were concerned that fees have resulted from balance manipulation. Please provided specific examples and we will be glad to review the matter further.

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 in compliance with all applicable [redacted] SunTrust is committed to fairly representing its products and services 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 allegations 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 you have any questions or concerns, please don't hesitate to [redacted]) or visit any SunTrust branch. A representative will be glad to assist you.

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.

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

Regards,

Dear [redacted],

I have received the response from SunTrust Bank. The Response from the SunTrust personnel was nothen less than Suntrust employees attempting to cover up illegible activities arising from the activities that I have fued this complaint. The Suntrust respondent side stepped every issue lodged against the bank to the extent of perjuring Himself. To categorize the issues: One -The tenns and conditions of the account in question where verbaly conveyed to me by the Customer Service Representative present at the time the account was opened. The piles of paperwork tendered by The Suntrust respondent where never entered in to the verbal

convenience of the tens of the account.

Such excessive amounts of legal jargon are for Attorneys and not Customers opening a Direct Deposit social Security Account. Additionally, no person would ever

agree to pay a fee of $ 72.00 dollars for a ten day loan of $ five Dollar's or more. Two -The issue that Suntrust Representatives offered a dual debit/credit card as offered to provide overdraft protection has never been addressed. This protection was for the purposes of preventing any overdraft whatsoever.

Issue number three: The accounts are routinely manipulated to generate the maxim number of overdrafts. It is the admitant design of SunTrust checking accounts to take a posted transaction out of post and then reapply the same transaction at a date in the future that will cause maximum overdrafts. The SunTrust Respondent has denied this accusation and asked for proof. I have enclosed the email correspondence between myself and suntrust representatives whereby said Rep. Has stated that the process is to pay the largest posts first. The bank is not paying and posting items as they are presented and dated but on the contrary, are decisively causing maximum number of overdrafts for the purposes of methodically stealing from the most in need by posting and withdrawing and then re-posting again the same item at a time when it is to the greatest advantage of the banks bottom line.. [redacted]

It is my intention to post this complaint everywhere that it will do the most good. So it is my request that this complaint be entered as unresolved and criminal issues are entering into the options at this point. I would like to thank the Revdex.com for giving me the opportunity to air this complaint as this is not by any means the first time that I have read about this complaint stemming from a SunTrust account. My own Mother-in-law had a very similar problem with SunTrust and it greatly added stress to Her life at the end. She is now deceased, have endless copy's of the end of the year statements that show how much that they have stolen from my checking account since 2011. To date that amount exceeds $3,600 dollars. So by that amount you can get an idea of what levels SunTrust Bank will go to line there pockets with stolen money. Thank You B.B.B, [redacted]

Review: I signed up for a Suntrust bank account only because there was an online promotion for new customers that you get $125.00 for being a new customer. I met all the qualifications and now, they are telling me that, I didn't enter a code online to get it. I am highly upset because, there was no where for me to enter anything online when I signed up. They were misleading to get me as a customer and they did not honor there promotion. Its unfair and its not right that the banks name has trust in it and they can't be trusted!!Desired Settlement: I would like the promotion I was promised to be Honored. I would like the $125.00

Business

Response:

Dear Ms. [redacted]We have received and reviewed your correspondence forwarded to us from the SBB regarding an online promotion to the above referenced account. We appreciate the opportunity to respond.SunTrust did offer a new deposit account promotion for [redacted]. The offer required new SunTrust clients to open both an Everyday Checking and an e-savings account. The requirements for this promotion were that the Everyday Checking account and e-Savings accounts must be opened online through the New Account Center application process or promotional landing page using the assigned Promo Code for the offer -"RISEUPANDSAVE. Clients must make a qualifying single Direct Deposit of $1000 or more and must be deposited into their new Everyday Checking account within 60 days of the account opening date. Clients who completed all the requirements for the promotion would receive a $125 incentive deposited into their new Everyday Checking account.In our telephone conversation on October 29,2014 I explained our records show that onSeptember 3,2014 you only opened one account, the Everyday Checking account. Youdid not open the required e-savings account and therefore were not entitled to the $125incentive.Ms. [redacted], if you have any questions or concerns regarding your account, please do nothesitate 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,[redacted]

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.The representative is incorrect, my promotion that I signed up for had nothing to do with the [redacted]. I Have know idea about this information. This was not what I signed up for. Representative has given false information. She hasn't even given the correct information for what I signed up for. Sun trust needs to honor the promotion.

Regards,

Business

Response:

Dear Ms. [redacted]: We have received and reviewed your correspondence forwarded to usfrom the Revdex.com regarding an online promotion for the above referenced account. Weappreciate the opportunity to respond. The information in our response letter dated November 7,2014 pertainingto the online new deposit account promotion for [redacted] iscorrect. This promotional offer began September 7,2014 and expired on November30,2014 Additionally, SunTrust had two other online new deposit accountpromotions available from July 7,2014 through September 30,2014. Thesepromotional offers were for the online new Everyday Checking with E-Savings + Direct Deposit and the online new Everyday Checking + Direct Deposit. All three promotionsoffered a $125 incentive that the client can earn if the client qualifies, In our telephone conversation of October 29,2014 you said you didnot remember which promotion offer you had accepted and that you would send usa copy of the promotion information. From information we discussed our marketingdepartment determined the offer you accepted was for the [redacted]and my response letterreflected that information.Thank you for prOViding a copy of the promotion offer for our review in yourfollow up to the Revdex.com. The requirements to earn the $125 incentive are openingthe account online, a single direct deposit of $1.000 into the EverydayChecking Account within 60 days and the entry of the promo code SUMMER14EVERDAYat the time of opening. Our records show thaton September 3,2014 you called us and opened the above referenced EverydayChecking Account by telephone, and we received a single direct deposit of$2,078.66 on October 3, 2014.However, you did not provide the required promocode and therefore, the account did not meet the requirements for the $125incentive. We reviewed this matter again, including the September 3,2014telephone call and heard you ask about the$125 without mentioning the promo code. As a courtesy, we will deposit the $125incentive into your account. Please allow ten business days for the funds to bedeposited. Ms. [redacted], weapologize for any inconvenience this matter may have caused. If you have any questions orconcerns regarding your account, please 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,[redacted]

Review: I filed a claim for an unauthorized charged on my account. I cancelled my card and was told I was told that a credit would be credited to my account. I have waited two week and was told by Suntrust to contact [redacted] and figure it out, I don't understand how another company can tell another company to charge your card with letting the customer know. I submit my money into SunTrust bank because I trust them; is that the reason why people put money in a bank account. I have been told different things- I filed an compliant against everyone I talked to with SunTrust- [redacted] calls me back and didn't offer to help me one bit. I told him I have NO MONEY due to this. This is the only bank that I have seen in my life that will give the customer the middle finger and tell them let them figure it out.Desired Settlement: I want the money that [redacted] took credit to my account and my fees credited to my account

Business

Response:

Please see attached.

Business

Response:

Re: Everyday Checking Account ending in [redacted] Case [redacted] Revdex.com (Revdex.com) Case [redacted] Dear Ms. [redacted]: We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding the denial of your above referenced case and the service you received when inquiring about this matter. We appreciate the opportunity to respond . We regret that you were not satisfied with the service you received when you contacted us about the charge that was debited from your account. Please be assured your comments concerning this matter were forwarded to the appropriate management area. We understand that we did not meet your expectations in this situation and regret any inconvenience caused. Our records show we set up Case [redacted] on February 14, 2015, when you contacted us to dispute a February 13, 2015 charge from [redacted] for $1, 116.50. A copy of your [redacted] Rental Agreement that included your account number is enclosed for your reference. We reviewed your case again and based on the information you provided, your case was denied, as explained in the February 26, 2015 letter from our Fraud Assistance Center (copy enclosed). If you want to continue the dispute, we encourage you to contact [redacted], as it appears you thought they would be responsible for the charges. The account is currently overdrawn. Because of this, we ask that you please make a deposit as soon as possible to bring the account to a positive or zero balance. Doing so may prevent the account from being closed with an owed balance and reported to various consumer reporting agencies. This communication is an attempt to collect a debt and any information you provide, whether written or verbal, will be used for that purpose. However, if your debt is discharged in bankruptcy or you are protected by the automatic stay in a bankruptcy proceeding, SunTrust recognizes that you may not be liable for this debt and this letter is not an attempt to collect a debt but is being sent for notice purposes only Ms . [redacted], we hope the information provided is helpful to you. If you have any questions or need further assistance, please contact our Fraud Assistance Center at [redacted] A representative will be glad to help you. Sincerely, [redacted] Assistant Vice President Client Advocacy Team

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 don't know why [redacted] is even replying back, I was told on 3/13 that Sandy has taken over this complaint. [redacted] contact number is [redacted]. It amazed me that Suntrust is asking me to deposit any money into that account after the lies they have told me. My account wont have been overdrawn if you didn't take the word of another merchant to charge my card. I didn't authorized [redacted] or [redacted] to change me card to any amount. You would think to keep a customer- they wont put them through the ** they have put me and my family through. I am currently driving a vehicle that doesn't work- since [redacted] never fixed the issue when I took my vehicle to get fixed months ago. My family and I are in the process to be homeless due to this. I don't understand how Suntrust can stand as a company. Like I told [redacted] its not even about the [redacted] charge its about the bad communication and poor training of people that work for suntrust. You would think after all the ** I been through they would atleast credit my account something just to show they are noticing there employee mistakes.

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

Regards,