SunTrust Bank

Review: I feel like the bank is cheating me as a customer 2 checks came in on the 12am in the morning my [redacted] and [redacted] was deposit the same time the bank charge me two over draft returned check fees and did not pay the checks and charged me the 40 too I am so pissed off right now . I ask the bank for one day why did they do that and they could not tell me they only was rude and nasty the guy was nasty and rule to be a supervistor and he was really nasty and told me that he was right and the bank does not give a 24 hour waiting period and I was mad I i had to pay late fees for rent and other things and they told me that they never pay a check that has been written on a date later then seven days and that a lie because they have paid my rent when the check was written on the 3rd and ending up showing up on the 8th of the month and so I know that sun trust is ripping there customers off and that pisses me off it does . what the hick do I have over draft protection for on my account if the bank never pays my lights got cut my telephone got cut . so I am pretty [redacted] right now I am angry and I have paid sun trust all overdraft fees and they have been ugly when I over draft just by one they have charged me almost 500 in overdraft and returns and I am just really [redacted] because they don t give the custmer a chance with the checks they just charge and keep chargeing it a ashamedDesired Settlement: reinburst me for all the late fees for rent and all the other mess I have had to go thru I paid with check every month because there is no banks in [redacted] . the bank needs to have respect for the customers and stop cheating them at least [redacted]ica not like that or other banks they always do right but this is not the first time they did this to me and iam pissed right . they dod not even give me a day I had to have them investagate the other times I sent money in the bank with western union

Business

Response:

Suntrust mailed a response to our client today but cannot share the response with the Revdex.com as no signed authorization was received.

Please close this case on your records.

Review: On 1-26-16 our account overdrafted. We expected 1 overdraft fee as we knew we had over extended our account and a large amount was still due to come out. What we didnt expect was for SunTrust to rearrange the order of our transactions. Six items cleared the 26th. And SunTrust arranged them in such an order to where it is exactly the largest to smallest transactions regardless of the fact that that was not the order what so ever of the transactions. It maximized our overdraft fees. Instead of 1 $36 charge like we expected, we were charged that times 3 so they could take more from us in fees. The account should have only had 1 overdraft fee for $36 for the largest most recent transaction. Not $108 because they reodered the transactions that came out all on the 26th. When my husband called to explain how it was not fair, customer service was rude and unwilling to listen or correct their error. When I reached out to the cooperate page, they also did nothing.Desired Settlement: We want to see the overdraft fees corrected in our account and our money returned.

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:

The complaint was resolved and SunTrust returned the overdraft fees to our account after being contacted by the bank again and having our account reviewed by corperate. Thank you for your help in resolving the matter. It is much appreciated. If the company does not perform as promised I can get back to you at: [redacted]

Regards,

Review: I had a bill payer set to be paid from my suntrust checking account on 11/2/2015 for $940.00 to Suntrust Mortgage, $180 for [redacted], $50.00 to the [redacted]. I disabled my bill payer service on 10/31/2015 (3 days in advance of these payments being sent). Suntrust still pulled the $940.00 from my account and then charged me $36.00 NSF fees for the other two items after there no longer funds in the account to cover them (these were canceled in advance of the November 2nd date as well). As a result I accumulated $576.00 in NSF fees from debits that occurred during the processing of these previously disabled billpayers in addition to the $940.00 that should never have been pulled from my account.Desired Settlement: The $940.00 that was withdrawn after cancelling the service should be placed back into my account and the $576.00 in overdraft fees that were taken after the fact due to the negligent processing of the $940.00 payment to Suntrust Mortgage after having been canceled. I have spoken with numerous representatives at Suntrust that have refused to allow me to speak with their management team. The only person that would fully provide her name was Takeela H[redacted]. Caleb H[redacted] was a supposed supervisor as well. There were 5 reps in total that I believe I spoke with - all claiming to be managment team.

Business

Response:

Re: Select Checking Account ending in [redacted] Revdex.com (Revdex.com) Case [redacted] Consumer Financial Protection Bureau (CFPB) Case 151118-001177 Dear Mr. [redacted]: We have received and reviewed your correspondences forwarded to us from the Revdex.com and the CFPB regarding assessed overdraft fees that were the result of payments using our Online Banking with Bill Pay service that were paid from your above referenced account. We also received your correspondences addressed to SunTrust executives regarding this same issue. I appreciate the opportunity to respond. our records reflect that, on October 7, 2015, you scheduled.payments for [redacted] ($180) and [redacted] ($50.00) to be paid on October 30, 2015. You also scheduled a payment to SunTrust Mortgage ($900) to be paid on November 2, 2015. In addition, on October 7, 2015, you modified the due date to [redacted] from October 30 to October 16, 2015. Then, on October 15 at 5:56 a.m. the due date was modified to October 19, and at 8:57 a.m. the due date was again modified to November 2, 2015. Since the payment due date was November 2, 2015, the payment process began on October 30, 2015. Regarding the payment to [redacted], on October 15, 2015, the payment due date was modified from October 30 to November 2, 2015. Accordingly, the payment process began on October 30, 2015. In reference to the SunTrust Mortgage payment, on October 7, 2015, the payment was modified from $900 to $940. The payment to SunTrust Mortgage is made via check; therefore, the payment was processed and mailed on October 28, 2015 to allow enough time to arrive by the November 2, 2015 due date. After October 15, 2015, no further log on activity occurred until October 31, 2015, at which time the remaining scheduled bill payments were cancelled and the Bill Pay service was inactivated. At that time the above referenced payments had been processed and could not be cancelled. Payment cancellation requests are disclosed on page 13 (copy enclosed) of the Online Services Agreement, which you accepted at the time you enrolled in the service. On November 2 and again on November 5, 2015, the payments to [redacted] and [redacted] were presented and returned due to insufficient account balances. For each transaction your account was assessed a $36.00 returned item fee. As a courtesy, on November 20, 2015, we refunded those fees totaling $144 (statement copy enclosed). You also received a $36.00 overdraft item fee refund on November 18, 2015. On November 23, we refunded $144 and on November 24, 2015, we refunded an additional $252 in fees, for a total of $612. In order to decrease the chances of this happening again, please visit suntrust.com, where you will find helpful tips on how to manage your account and avoid fees (see Banking....., Overview Guides and Disclosures-+ The Facts About Banking). You will also find useful information about our overdraft services and how to monitor your account activity when the balance gets too low or becomes overdrawn by setting up email or mobile alerts. You may also want to set up Overdraft Protection, whereby a protector account is linked to your transaction account to cover any potential shortfalls. Detailed information about thi$ service is found on our website (see Banking-Account Features-+Overdraft Services). Instructions for signing up for Overdraft Protection and setting up email or mobile alerts are also found on our website. Mr. [redacted], I hope that the information provided 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 E[redacted]

Consumer

Response:

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

I have reviewed the offer made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [redacted].

Regards,

Review: I made a mobile deposit to my son's Suntrust checking from my Suntrust checking for $18 on March 12. We saw on the app that the deposit was successful. Their system shows that we began but did not finish the deposit. Therefore they charged an overdraft fee. Again, we saw on the app that the deposit was successful. The app displayed this clearly. When we asked them to remove the fee they refused saying that the account has already had a one time courtesy refund prevously. We assert that this is not a courtesy refund situation, but an error on the part of their app or mobile deposit system. Customer Service supervisor refused to refund the fee.Desired Settlement: We would like the overdraft fee refunded.

Business

Response:

Please see attached response.

Business

Response:

Dear Mr. [redacted]: We have received and reviewed the correspondence from your father that was forwarded to us from the Revdex.com regarding an overdraft fee that was assessed to your above referenced account. Since your father Is not affiliated with your account, I am responding to you. Our records reflect that, on March 12, 2016, an attempt was made to make a mobile deposit to your account. However, after the oack Image was uploaded the deposit was not submitted, and for this reason, a deposit acknowledgement was not generated . We show that, on March 14, 2016, your account balance was $5.22. Debit card purchases from [redacted] ($16.90} and [redacted] ($5.53) were presented for payment 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 Item . Based on this information, we have determined that the assessed overdraft fees are valid. However, on March 15, 2016, one of the $36.00 fees was reversed; the other fee will remain (statement copy enclosed). In order to decrease the chances of this happening again, 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. Mr. [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 E[redacted] Assistant Vice President Client Advocacy Office

Consumer

Response:

To Whom it may concern:

Review: SunTrust allows customers to use overdraft privileges and repay the bank. I used the privileges and SunTrust closed my accounts while they left other customers to use the same privileges in the year 2012.

The branch an area managers advocated on my behalf and I continued my relationship with SunTrust for another year and a half. SunTrust thought I was part of a fraud ring by accident, alleged the incident was a mistake and closed my business accounts. After I filed complaints with the Federal Trade Commission and other regulatory agencies SunTrust in 2014, SunTrust closed my personal accounts in retaliation and falsely reported my personal account to Early Warning which caused [redacted] to freeze my accounts and close my personal and business accounts.

SunTrust allegedly made a mistake according to the branch manager of the [redacted] location in May, 2014 thinking that I was a part of a fraud ring. The branch manager stated that the bank made an error of judgment but decided to terminate our relationship with no negative repercussions against me. Therefore, SunTrust had no right to report my personal accounts to Early Warning and blackball me in the banking industry. I have tried endlessly to resolve this issue by talking to customer services representatives, the fraud department, customer service advocates, and several branch manages with no success or explanation, nor resolution to resolve this erroneous errr.Desired Settlement: I would like SunTrust to remove this frivolous negative reporting from Early Warning regarding my account and send me a deletion letter.

Business

Response:

Re: Revdex.com complaint #[redacted]SunTrust has responded to our client but cannot share theresponse with the Revdex.com as no signed third party authorization was received.Please close this case in 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 December 1st I noticed a charge on my banks account that simply said Automated Adjustment with no other description. After trying to dispute this online and being advised to call in to customer service I held for over 20 mins talked to two people and neither could tell me what this charge was for. An online Chat rep [redacted] was not able to tell me either, but offered to follow up with me today. The $130 charge is related to a deposit I made in August! I attempted to use SunTrusts new Mobil deposit app. Once I took the picture and it didn't appear to have worked I also went to the ATM and deposited the check. Now they are telling me 3.5 months later that they posted the check to my account twice and that is why this charge is there. I could accept that they deposited it twice and that I owe them $130, but what I do not accept as being a good business practice is giving me no warning that this mistake was made and charging me over draft fees now that it's over drafted my account. I think this is completely unfair I did what I thought was the right thing to do when it didn't appear their new mobile deposit work was going to deposit it in the ATM. How was I to know SunTrust would post the same check twice? I never noticed it in my account because they were deposited days apart. I have no problem paying the $130 I owe, but the one overdraft fee already charged and what I'm sure will be a second one because I have a pending transaction is completely unfair. [redacted] is who I was working with online and I'm choosing to file this complaint because she seems to be avoiding my request that the overdraft fees be waived. Otherwise she was the only one that was any kind of helpful.Desired Settlement: I want the overdraft fee's waived. I feel like it's a bad business practice for something like this to take 3.5 months to figure out and then to not give a long-time customer with multiple account a warning it's going to be done. No opportunity to make sure they got their money without messing up my bank accounts? I didn't get the opportunity to make sure this wouldn't have happened if I had been given a notice I could have made sure the funds were there and modified my spending. Instead they choose to do it the Monday after one if not the biggest shopping days of the year (Black Friday) and now all those transactions are over drafting my account.

Consumer

Response:

Suntrust has contacted me and has resolved this complaint to my satisfaction. I want to thank SunTrust for acting quickly to resolve this issue and the Revdex.com for thier assistance.Thank you,[redacted]

Review: yes I opened account over the internet with suntrust bank and and had deposits made to my account only for them to freeze my account then close it saying they are going tosend me the remainder, witch is around 1900.00 they have told me they sent it out but each time they tell me a differnt dates it was sent out on sept.7th ,sept10, and sept 13th 2013 , and then I waited the estimated 10 days they said to wait before I call about this check not showing up, then they tell me they sent it to my house address wich I dont recieve mail at and they know this cause I gave them my address that usps gives me cause they dont deliver to my home address.....I also have recievd my account closing statements from suntrust to my correct address and that was sent out day after my supposed check was, now they say I have to wait for a form to come so I can fill out send back and wait for them to approve that to stop and cancel the check I never recieved and issue a new check wich still have not gotten that either and its been a week since they sent that out....and during all this time I have lost my car and gottin an eviction notice all due to there cause that was my rent and car payments, so I don't even have the money to move and looking at being homeless, also lost my credit card cause I had payed my credit card bill with the money in my account be for they froze it but because they froze it my credit company closed my account.........my account number was [redacted] ......my lawyer advised me to file this complaint and if there is no resolve within next few days he will take further actionDesired Settlement: for them to send me my money asap ,one day mail fed ex or have it direct deposit to my new bank account At HSBC, so I can pay my bills and find a new place to live since my eviction is due to there service....... ..so please fed ex my closing balance or deposit in my new bank account asap

Business

Response:

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

Review: My check card was fraudulently charged and I submitted dispute information for it after closing the account. This was in Sept 2014. The total amount was for roughly $80 and I would get little refunded amounts after calling to inquire about the progress. The biggest amount $59.99 is the only one left to be refunded and every time I've called, I'm told a dispute representative will get back to me within 24-48 hours. I still haven't received a call. I called today 3/2/2016 and was told unfortunately it's been past the time to investigate the dispute. So the representative 'Chris' sent an escalation and complaint form on my behalf and yet again, someone should follow up with me. Plain and simple, my money was stolen and SunTrust's dispute/fraud dept. had more than ample time to sort it out and refund me.Desired Settlement: I'd like my $59.99 refunded back.

Business

Response:

Re: [redacted] This case was resolved by phone, there is no letter. The fraud claim was resolved to Ms. [redacted]'s satisfaction. Attached is the response that was mailed to the client. Please close this case on your records.

Review: On Feb 13 I took 2400 out of my account the bank did not deposit this right they gave me 240. Then turn around an gave me the 2400 so they screw up the transaction as of today they found there mistake an took 2160 from my account on Feb 29 left me with no money then turn around an charge me an NSF of 36 an in which they knowledge its was there error they will not refund me my money of the NSF fees which is not fair when I ask them can they give me NSF fees back they told me No I should have alert them an in which I did not know they did do the transaction right no fault of mines they tell me I should have told them but I didn't know cause my taxes where deposit in this account as well they are not willing to help me I really hate this bank when this gs are there fault they don't acknowledge them so unfairDesired Settlement: Refund my NSF that were there fault not mines

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 received a letter from a collection agency stating that they were attempting to collect a debt on the behalf of SunTrust. The debt stated that I owed the principle of $118. When I contacted the agency they reported to SunTrust that I was disputing the charges aa they were invalid. I then received a print out from the bank stating where the charges came from the company proceeded to say that they contacted me to discuss my account which is untrue. While they are claiming that my savings account was in the negative not only did I not receive any notices in the mail but I didn't receive a bank statement until my account was closed due to inactivity which was stated on the statement. The statement did not disclose that I owed the bank it stated that it was closed due to an 90 day inactivity period. They are now trying to make me assume the responsibility of charges due to there failure to notify me and a $30 fee for processing there claim. I will not be responsible for this banks branch locations not following the policies and procedures of there corporate office. It is there responsibility to take there maintenance fees from my account while it is open and active not after its closed and im no longer doing business with them.Desired Settlement: Adjust my final standings with my account being closed on good terms. Remove the excess charges of processing and overdrawn fees. I would like to receive this resolution in the form of a letter.

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.]

I am not satisfied with this company resolution because not only did they not take responsibility for there errors in how they charged me they said that they felt there practices were not wrong and would continue to pursue the collection. I still find there practices to be fraudulent none of the bank procedures were followed in how this supposed interest was incurred and I will not pay for something that I was not previously notified that was due.

Regards,

Review: I filed a chapter 13 several years ago and the court scheduled a payoff schedule to pay all lenders. The chapter 13 was dismissed last year and my vehicles were paid in full thru the court including Suntrust. [redacted] sent my title and so did [redacted]. Suntrust said I still owed the interest on the loan and will not send the title.

I visited the branch on several occasions trying to get resolution on the matter and was told I would have to contact them directly. I did and could not find out if I had a balance, what it was, and how I could settle the issue. What a bunch of blood suckers! STAY AWAY FROM SUNTRUST, THEY LOVE YOU IF YOU ARE PUTTING MONEY IN BUT IF YOU HAVE A PROBLEM, JUST TRY TO ASK FOR ASSISTANCEDesired Settlement: A reason why the is a balance on my account when the court shows a 0 Balance, what is the balance, and how to arrange to settle the issue!

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 made a payment by mail for the April installment of my Physician's loan, and the check was lost in the mail - the only way I was made aware was by receiving a late notice and a late fee. I called and explained the issue, and they would not reverse the fee. We sent the payment on 4/10 - it was due 4/21. They never received it in the mail - which is not something I can control. I paid the bill in AMPLE time, and it was lost in the mail. I have since taken measures to photo copy EVERY payment and stub I send due to this ridiculous situation.

When I made the last payment I sent a letter stating I would not pay the late fee, and explained why AGAIN (after explaining the whole thing to the customer service agent), and instead of applying the extra money we send every month to the principle as stated, it was applied to the late fee!

This business offers absolutely NO other options to pay that don't cost extra - phone payments can not be taken unless you have an account with them (there are no local Suntrust banks), the only other option is to send it western union. They will not do an automatic draft. The ONLY option we have is to send a check - and MOST of the time (this month included), we don't even get their statement until between 4-7 days before it is due. This month, it came Saturday the 14th - the bill is due the 21st.Desired Settlement: I want the late fee reversed and credited back to the account, and I want the extra we paid (and ALWAYS pay EVERY month) applied to PRINCIPLE and NOT the late fee!

Business

Response:

Dear [redacted]:

We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding the fees assessed to the above referenced account. We appreciate the opportunity to respond.

As a courtesy, on June 26, 2014 we waived the outstanding late fee of $25.29 and reversed the late fee payment of $7.98 for a total of $33.27 and applied it to the principal balance of the above referenced Account ending in[redacted].

We have adjusted the timing of your mailed statement from 15 days to 20 days so it will arrive further in advance of the due date.

[redacted], we do offer auto-draft for your account but it can only be for the scheduled payment of $665.51. Any additional principal payments would have to be mailed directly to SunTrust. If you would like to enroll in auto-draft please complete the enclosed ACH authorization form and fax it to [redacted], attention: [redacted]

[redacted], we hope this information is helpful. If you have any questions regarding this letter, you may contact me at [redacted], Monday through Friday from 7:30 a.m. to 4:30 p.m. ET.

Sincerely,

Consumer

Response:

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

I have reviewed the offer made by the business in reference to complaint ID[redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [redacted]

Regards,

Review: Bank is a total rip off.. The bank charge me 36.00 $ for 5 overdraft items that all occurred before 7/30/2013. They process a check transaction on 7/29/2013 before all 5 items that occurred from 7/21/2013-7/26/2013. The five items all were process/ authorize code given before the weekend (7/27/2013), so there is no way that they occurred before the check transaction on 7/29/2013. The banker agreed that all five items was charged during the time period of 7/21/2013-7/26/2013. But yet in still the bank process all five transaction on 7/30/2013 causing and overdraft fee of 36.00 X 5items = 180.00. The bank gave approval codes on all five items between 7/21/2013-7/26/2013 therefore they are aware the transaction all occurred before the 7/29/2013. I have been with a couple of banks over the years in have never seen scams like this one. As a new customer, I am closing the account because of the scamming that they do to rip customer off. I would like my 180.00$ in overdraft fee return. I have all receipts showing that the transaction took place between 7/21/2013/7/26/2013 although, am sure they dont need them for the customer service rep could tell me when they transaction authorization code was given.Desired Settlement: 180.00$ return

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 received 2 Prepaid Visa card for $50 ea in 12/13 and did not use them or activate them until 5/3/15. On 5/3/15 I activated them & the balance of each card was down to $22 due to "inactivity fees" that were charged every month beginning in 4/14. The Suntrust policy states:MONTHLY INACTIVITY FEE BEGINS THE FOURTH MONTH FOLLOWING DATE OF LAST ACTIVITY AND CAN REDUCE THE CARD VALUE TO $0 PRIOR TO THE STATED EXPIRATION DATE. “ACTIVITY” IS DEFINED AS ANY ACTION RESULTING IN AN INCREASE OR DECREASE OF THE CARD’S UNDERLYING FUNDS, OTHER THAN AS A RESULT OF A FEE, AN ADJUSTMENT DUE TO AN ERROR OR A REVERSAL OF A PRIOR TRANSACTION, OR WHEN A CONSUMER ATTEMPTS A TRANSACTION WITH A CARD, BUT THE TRANSACTION FAILS DUE TO TECHNICAL OR OTHER REASONS. I called to have the fees reversed as I have never had an activity on the card so the inactivity fees should never have been applied. Moveover I learned that in Aug 2010 the Federal Reserve, in amending parts of Regulation Z (under the Truth and Lending Act), ABOLISHED credit card inactivity fees. So the charging of inactivity fees is ILLEGAL.Desired Settlement: I fully expect the $28 per card of inactivity fees to be reinstated on my card immediately as these were not only illegal but against their own policy.

Business

Response:

Dear Ms. [redacted]: We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding fees that were deducted from the above referenced cards. We appreciate the opportunity to respond . Our records reflect that the cards were ordered on November 11, 2013. As disclosed in the Terms & Conditions and Fee Schedule that were included with the gift cards, they are subject to inactivity and service call fees. An inactivity fee of $2.00 per month was charged to each of these cards beginning April 1, 2014 and continuing monthly until May 1, 2015. There were two purchases made on the card ending in [redacted], which depleted the balance to zero. There was one transaction made on the card ending in [redacted] on May 3, 2015, which depleted the balance to zero. These are gift cards and Regulation Z does not apply. The initial card load is considered a transaction for activity purposes, thus begins the inactivity timer. As a courtesy. we have refunded the inactivity fees of $28.00 to each card . The cards are now active. Ms. [redacted], if we may be of further assistance, please don't hesitate to call 800.SUNTRUST (800.786.8787). Our representatives will be glad to help you. Sincerely,

[redacted] Assistant Vice President Client Advocacy Team

Review: Suntrust charged me a $100 legal fee for placing a hold on my account to pay state taxes. I personally paid the taxes on November 29th, and the bank did not place the hold until December 2nd. After spending 2 weeks talking to Suntrust customer service via email, phone, and bank managers I was given the same run around. I spoke to no less than 10 different reps who woould not return my phone calls and kept wanting to just give me the 800 to the State. When I finally was able to speak to managers they would say that I needed to get the $100 from the State even though the issue was on Suntrust's side. They state that it is the [redacted] fault that they placed the hold even though the bank could easily see that I already took care of the situation before the hold was placed. They told me that I needed to have the State fax over a letter stating that there was an error in order for the $100 to be returned to me. There wasn't an error on the State's end except that they did not fax over a letter that they received payment until after I called them to request the letter on December 3rd. Unfortunately, the Suntrust customer service manager that I spoke with before I called the [redacted] did not inform me that I needed to have specific wording in the letter in order for the fee to not be charged. Suntrust would not take responsibility for the misinformation and the State says that it is not their fault they were not properly informed for specific content and will not issue a second letter. Since Suntrust is the one who charged the fee, and they are the ones who gave me the run around about what had happened, Suntrust is the one responsible to put $100 back into my account. I have never had this issue before and have been a customer with Suntrust for years. I am hoping Suntrust wants to repair our working relationship and move forward.Desired Settlement: All I would like is for Suntrust to place $100 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 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: [email protected].

Regards,

Review: Grandfathered in account with free checks. Unable to order new checks online without being charged. told to go to branch. 12/3/15 Brandermill Branch Manager LaToya C[redacted] ordered checks. Checks never arrived. Called branch mid-December. Associate said would re-order. Never arrived. Went to branch 1/4/16. Ms. C[redacted] again ordered checks and said would follow-up. Said would over-night order with delivery on 1/5/16. Never arrived. Called Ms. C[redacted] 1/5/16 but had left for day. Called Ms. C[redacted] again 1/6/16 but never returned call. Called District Manager Troy F[redacted] and left voicemail. Branch called to say he would be calling shortly. No call. 1/7/16 spoke with Mr. F[redacted] twice and was assured checks ordered and would be delivered to branch on 1/11/16. 1/8/16 I called toll free SunTrust number and asked about check order. None on record for account. I then personally ordered checks and agreed to pay $35.95 for my supposedly free checks. Left message with Mr. F[redacted] who called back and agreed to refund $35.95. On Tuesday, 1/12/16, a FedEx package arrived at my home from LaToya C[redacted]. The package contained new checks on the WRONG ACCOUNT, even though I had specifically given Ms. C[redacted] the correct account number on several occasions, including letting her COPY IT from my checkbook. I informed Mr. F[redacted] by voicemail on 1/12/16, but he has yet to return my call regarding the matter. At this point I am hoping the checks I ordered myself arrive on Friday 1/15/16 as I was told by the toll free number.Desired Settlement: Delivery of checks on CORRECT ACCOUNT, reimbursement of cost of checks, and call from someone other than Mr. F[redacted] or Ms. C[redacted] to explain to me why this mess happened, and how I may close one of my SunTrust accounts in order to avoid future problems without these is closing the WRONG 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.

Review: On June 20, 2013, I deposited a check for $330.00 into my account. By June 25, the check had not cleared. I went to the bank to find out what had happened to my deposit. The teller that processed the deposit remembers me coming in with this deposit and I have the deposit receipt. After 1 visit and 3 phone calls, my money has not been returned by Suntrust Bank. The branch manager has acknowledged that since, the teller remembers me making the deposit and I have the receipt that this is a bank error. But I have to wait "for a few more days" while the company researches where they lost my money. That is ridiculous, they should credit my account until they fix THEIR mistake. The worst service mistake a bank can make is to lose a deposit. If I gave someone money to hold for me and they lost it....and this person was worth BILLIONS, like Suntrust, I could have them arrested for theft. This is theft.Desired Settlement: An immediate refund.

Business

Response:

We have contacted **.[redacted] regarding his concerns. We have not attached the response because we did not receive a signed authorization form from the client allowing us to do so.

Review: My issue started with SunTrust Last year in 2014. I made a deposit for 900 on Dec 17 2014. My deposit didn't show up in my account ending in [redacted] until 3 days later. I contacted SunTrust on Dec 18 to let them know what issue I was having. The fraud department opened a case on my issue. On Dec 20 my deposit posted to my account. Everything was fine until January 28th SunTrust took 900.00 out of my account which overdrawn the account. I went into the bank to ask about my account. The bank manager froze my account because he said SunTrust deposit 900.00 into my account the same day my deposit posted. The branch manager stated that was way to long to do a reversal without notifying the customer. He apologized and tried to find out why would they put money in my account if I got my deposit. I told him I have school money, my paycheck also going into that account and I didn't know they did that. SunTrust closed the account and sent me a letter stating I owe 900. I don't think that's right and it is very unethical.

I had another account ending in 3992 with SunTrust and they allowed a merchant to take 441.00 out of the account with the balance being 0.0 cents. I told them I would put the money back into the account the next day. I checked the account and saw a return item fee of 36.00. I was very confused and call SunTrust and I was told they rejected the payment. I asked them why after I told them I would put the money in the bank. The customer service guy said he didn't know. SunTrust closed that account and sent me a letter stating I owe them 138.00. I said how is that even possible. This is the most unethical bank I've ever felt with. I was a customer for 6 years until this occured.Desired Settlement: I want SunTrust to own up to their mistakes and fix the issues they created in the first place. I want the business to contact me with a plan of action to correct both 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.

Review: A cashiers check from [redacted] was sent to my address. The check was stolen and deposited into a suntrust account without an endorsement. Suntrust cashed the check, which was issued to [redacted] and made another check to [redacted] and forward the check to [redacted]. [redacted] is refusing to cash the check and Suntrust is refusing to forward the check made payable to [redacted]. Suntrust is still holding the funds and is not returning any of my calls. This is an on going process for the last 6 months.Desired Settlement: To have suntrust re-issue the check in the name of [redacted]

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.

[redacted] advised, "A check was mailed to [redacted] on April 15, 2014."

I sent [redacted] from Suntrust a copy of the cashier check Suntrust cashed made out to [redacted] and Suntrust mailing the funds back to [redacted] is noway resolving this matter. We do not have an account with [redacted] and the funds are not [redacted]. It is [redacted]s. This has been going on for 6 months. Suntrust is in violation of the Federal UCC endorsement law. Suntrust needs to either forward the funds to [redacted] asap or we will seek legal actions.

Review: My loan account went past due, but I paid it off 10/30/15. I received a letter from Suntrust, dated 11/2/15, stating my account was paid off and closed. On 11/7/15 Suntrust hit my credit stating the account was past due. The account cannot be past due if I received a letter stating the account has been paid off and is closed. Furthermore, the account is no longer showing online for me to view and a customer service representative, with Suntrust, advised my account had been closed.Desired Settlement: I want Suntrust to remove the lastest hit on my credit report with all three credit bureaus and report the account as paid in full and closed.

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.