SunTrust Bank

Review: I had a dispute with a Merchant that I used my Suntrust card to pay for services. The merchant overcharged me based on a price that he quoted me and the services are sub par. I filled a dispute explaining the circumstances to Suntrust and received a letter form their dispute a resolution dept requesting additional information. I called them on 4-8 asking why they are requesting additional information when everything I sent to them about the dispute was clear. [redacted] is the person that I spoke to, and he said that I would have to get a 3rd party to substantiate my claim. 1. I am very displeased with Suntrust because all the numerous transactions that I do with them in addition to 4-5K dollars that go into this account a Month. I shouldn't have to fight to get my $530 back. 2. I am not happy with the customer service that I am getting with Suntrust and if this issue isn't resolved in my favor I am discontinuing bushiness with Suntrust. My affiliates are as well.Desired Settlement: credit me

Business

Response:

SunTrust has responded to our client but cannot share the response with Revdex.com as no signed third party authorization form was received. Please close this case on your records.

Review: Yesterday I contacted Sun Trust because there was an authorized transaction on my account 77.23 through my cell phone carrier who charged me twice in the same week. They were authorized one charge not two. After 5 calls/emails I was assured it would be taken care of and the over draft fee would be returned. Today I see that not only did they not do anything about it but they also manipulated transactions to try and charge not the one overdraft fee but two. I have all screen shots of the transactions before and after this so its very clear how they illegally operate and manipulate people. On 07/17 there was a balance of 9.20 and a charge of 8.99 which left a balance of .21 as of yesterday. Now suddenly today they have moved the charge from 07/17 to today after the disputed item yesterday in an effort to charge me a second over draft fee. This is not only illegal but makes no sense. If there was money in the account to cover the 8.99 charge leaving an available balance this entire time before the disputed item, how can they move it just to try and charge me an additional overdraft fee? I will be closing my account if this is not fixed. And if anything like this happens in the future I will be taking further legal action. To say I am beyond disappointed with choosing to change to a bank that does business this way is a huge understatement.Desired Settlement: I want the 77.23 disputed and reversed as discussed 5 times yesterday as it was no fault of my own and I want the two overdraft fees totaling 72.00 returned to me immediately as they were not justified. Not to mention the one outside of the disputed amount was manipulated, changed and illegal.

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: On November 7th, 2015, SunTrust allowed nineteen charges to be processed through my bank account, adding up to somewhere around $950. This over drafted my checking account by $400 and my savings by $200. When I contacted them, I was told it could be up to 60 days before I get any money back and they could not give me any sort of credit.Desired Settlement: SunTrust should have contacted me right away, and should never have allowed so many transactions to occur on my account. They should have also been more helpful in helping me get the money back that was taken out of 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.

Review: I have a home equity line with Suntrust Bank and they make harassing phone calls to me for payment EVERY month. This month, they began making the harassing calls to my phone on Monday, 1/11/2016 (the day before the payment is due) at 2:47 pm. They call from many 800 unrecognized phone numbers. They even sent me a harassing letter dated 8/11/2015 informing me that as of the date of the letter, their records indicated that the account was 30 days past due. THE ACCOUNT WAS NOT 30 DAYS PAST DUE as I ALWAYS make the payment prior to 30 days from the due date. I called customer service today, 1/15/2016 and spoke with Lena who was extremely rude as she talked over me the entire time I talked. I asked to speak with a manager and she transferred me to Frank a supervisor who was just as rude, if not more rude as he talked the entire time I was speaking as well except at the very beginning of the conversation. It sure DIDN'T SEEM AS THOUGH I WAS SPEAKING WITH A REP OR SUPERVISOR IN A CUSTOMER SERVICE DEPARTMENT. I informed both of them that I have been receiving monthly HARRASSING phone calls from Suntrust Bank for years (3 to 4). They are calling and HARRASSING me for payments before they are due and/ or before they are even 30 days late (which is what's reportable to the credit bureaus). They are also HARRASSING me for only making the Total Interest Charged PAYMENT DUE that's listed under the summary of account activity and not including the late fee. Lena stated that my account was 2 months past due when I spoke with her today (1/15/2016) and I made the Total Interest Charged payment (that was due on 12/12/2015) at a Suntrust Bank branch on 12/24/2015 at 13:56:31. I have the receipt of payment. She harassed me about not making a payment including the late fee and stated that my account was delinquent because I didn't include the late fee with the Total Interest Charged payment. I can't work for receiving numerous daily, weekly, and monthly harassing phone calls from SuntrDesired Settlement: STOP THE NUMEROUS DAILY, WEEKLY, AND MONTHLY "HARRASSING" PHONE CALLS!!!

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 use my SunTrust Platinum Rewards [redacted] card exclusively as I get rewards points for doing so. With the rewards I earn, I usually purchase a $25 prepaid SunTrust [redacted] card (for 3,000 points). Up until recently, I could immediately use the prepaid card upon receipt; in fact, there's a sticker on the card that says it's active and ready to use. A month ago I tried using one of these cards several times with no success. I called the number on the back of the card and eventually spoke to someone who said they'd changed the activation process for security reasons; customers had to now call or go online to activate the card (even though the "card is active and ready to use" sticker was still on my card). This was acceptable to me and I was told by calling, my card was now active. Some weeks later, I used the card for a $15 purchase. I tried using the remaining $10 several times later, but the transactions got declined. When I called the same number again (on 10/7), I was told the card balance was $8 and that I'd been charged $2 for talking to a live person. This confirmed for me that I'd had $10 left on the card prior to calling. I then found out that the $2 had been charged when I first called about activation. This charge was never mentioned to me at the time of that call. Needless to say, I was insulted and infuriated. I've been an excellent SunTrust checking and/or credit card customer since 1995. I demanded to speak to a [redacted] who said they'd send it to another department to see if the $2 could be credited back to the card (and that it'd take 7-10 days). As far as I'm concerned, this shouldn't have happened to begin with and certainly should have been fixed immediately. Two weeks later, nothing has changed—the balance remains $8. However, in the meantime, I sent a message via SunTrust's banking messaging system describing my problem and dissatisfaction. Her reply was apologetic but she said the $2 fee was a [redacted] charge and not a SunTrust Bank fee. I responded that technically that may well be so, but that I was calling—I'm a SUNTRUST customer, using a SUNTRUST credit card with a SUNTRUST web address ([redacted]), that the pre-paid cards I get say SUNTRUST on them. Furthermore, I've had numerous [redacted] cards over the past 20+ years of my life and have NEVER been charged to speak to a customer service rep.Desired Settlement: Initially, I simply wanted them to credit the $* back to my prepaid card. But I fully expect someone of considerable stature in the company to call me and personally apologize for this insulting policy. There is absolutely no excuse for the hassle I've received. I will concede that those I spoke with "felt my pain" and were apologetic and agreed that the charge was absurd. However, apparently no one is given the authority to simply right this wrong. I have many banking choices and even more credit card choices. I'm interested to see how badly SunTrust wants to keep my business....

Business

Response:

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

Review: September 5, 2014 I should not have been charged the over draft fee of $72.00, the statements and online banking showed my balance was over $2000.00 for that time period and all my purchases were begin ducted correctly, then that day they say no funds were available. They will not refund this, the money was there. Per their records.Desired Settlement: Refund the $72.00 for september 5, 2014 that should not be ducted. Bank statements available for those dates showing the amount over $2000.00 that was available to me.

Business

Response:

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

Please close this case on your records.

Consumer

Response:

[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 went to a Suntrust ATM in Deerfield Beach Florida and was shorted $40.00 from the ATM transaction. The case number is [redacted] I supplied the bank with ATM slips that clearly show there was a problem with the ATM and I resubmitted my claim and was never notified of a final decision only a debit for $40.00 from my account.Desired Settlement: Return my $40.00 that I was shorted.

Business

Response:

Dear Ms. Damelio: We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding SunTrust's decision to decline the claim referenced above. I appreciate the opportunity to respond. Our records show that you contacted our Fraud Assistance Center on February 6, 2016 to report an issue with an ATM machine in which you only received $360 from a $400 withdrawal. Claim [redacted] was established, and you received provisional credit of $40.00 on February 8, 2016 (copy enclosed). However, the claim was denied and the $40.00 credit was reversed as indicated in the enclosed letter dated February 17, 2016. You completed a rebuttal form on February 19, 2016 (copy enclosed), and your claim was reviewed a second time. Our previous decision was reversed, and your claim was approved, as stated in the enclosed March 7, 2016 letter from our Fraud Assistance Center. Your account was credited $40.00 on March 4, 2016 (statements enclosed). Ms. [redacted], should you have any additional questions or concerns regarding your claim, please contact our Fraud Assistance Center at 800.449.8774. A representative will be glad to assist you. Thank you for banking with SunTrust. Sincerely, Kathy B[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 have contacted the bank regarding the overdraft fees. I have requested a refund due to the miscommunication between the local branch and myself. I was advised by the [redacted] branch that when I signed up for my account all the overdraft protection was disabled. They advised me that if my account had no funds then nothing would go through my account. I have contacted the customer service department of the bank many times and no one cannot seem to assist me with refunding my outrageous overdraft fees. I have even requested to speak to the CEO and they refused.Desired Settlement: I just would like a refund of my overdraft fees since the bank did not explain in full detail how the overdraft protection works for my account when I setup my checking account with the local branch in Stanley, N.C. If a refund cannot be provided, Then I will just end my services with this bank forever.

Business

Response:

Dear Mr. [redacted]:

We have received and reviewed your correspondence that you sent to the Revdex.com regarding overdraft fees that were assessed to the above referenced account during the past three months. We appreciate the opportunity to look into the issue raised and provide a response to you.

You stated that you opened your account at our Stanley Office; however, our records reflect that you opened the account using our Online Service. During the opening process you were give the option of accepting or declining Overdraft Coverage; we show that you declined overdraft coverage. By selecting the Overdraft Coverage for the aforementioned account you acknowledged that you read the Overdraft Coverage Summary and agree to the service (copy enclosed). Declining Overdraft Coverage means that any ATM or one time debit card transaction presented to SunTrust for authorization in excess of your available balance will be declined. SunTrust pays overdrafts at our discretion, which means that we do not guarantee we will always authorize and pay any type of transaction. Overdraft coverage does not apply to checks, payments made via online banking, automatic bill payments, ACH debit transactions and recurring Check Card transactions. This information is disclosed on the Summary.

In addition, "overdraft protection" allows clients to safeguard their checking, savings or money market account from overdraft charges and returned items by linking the account to another deposit account, SunTrust Credit Card or a line of credit account. Funds, if available, are transferred from the funding account to cover any overdrafts.

A review of our records for the past three months reflects that the overdraft fees were assessed appropriately as the items were presented for payment against non-sufficient funds. As a courtesy, we refunded two of the overdraft fees that were assessed on June 4, 2013,. Please note that going forward, you will not receive any additional courtesy refunds.

Mr. [redacted], we trust this information is helpful to you. If you have any questions, please call us at [redacted]. A representative will be gald to assist you.

Sincerely,

Assistant Vice President

Executive Services

Consumer

Response:

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

There is information that is missing from this issue. I was advised by a bank employee at the local branch that nothing would go through my account if I chose to not accept the overdraft protection. If is not my fault the bank employee did not follow protocol and review the entire policy with me. I am going only based on information the employee provided. There is a break down of communication at some point concerning my issues. I have even requested the bank to stop payments on the reoccurring charges and was advised they would stop. Well I got up this morning and guess what! They let the charges go through once again after they agreed this issue would stop. I am very displeased regarding my service with this bank. If the issue still cannot be resolved, I will have no choice but to contact my local media team to get them involved so they can further investigate my concerns and resolve this issue. I am a client of the bank. I should be treated with the up most respect. I have been lied to by the branch employee and now I see that when I send it an issue it cannot get resolved based on all my communications with the bank. I understand the bank has policies and procedures to uphold but their employee stated that nothing would go through the account. So I am under the assumption that "Nothing" would go through my account without funds being present. Now if the bank employee would have went into further details regarding the overdraft protection then I could understand the overdraft fees. Since your employee stated that to me then that is not my fault. I think that it should be stressed to all employees that come in contact with the clients to express the full policy of the overdraft protection and what is prevents and does not prevent. Your bank employee was in a hurry to get everything completed the day I opened my account. I believe that she was going to lunch or somewhere that was important. She was in a rush to get everything completed. I have been in management and customer service for over 10 years. I understand how to treat my customers when there is an issue. I work to provide them with a solution to their issues unlike the bank and how they are going about this issue. I would like a refund of the overdraft fees that was accessed due to this issue as well as the bank to look into the issues with the stop payments that were setup and failed. If this still cannot be resolved then I would like to speak to the CEO of the company to see what he can do if you cannot take care of this simple issue.

Regards,

Review: I received a pre approved credit offer, with credit limit minimums and interest rates. I have been a suntrust customer for years. The letter said to claim offer email with pre approval code. I did, and it was not approved? I contacted the bank by phone and was told that they have many prepaid offers. Being a sales manager for thirty years, I know bait and switch. Did big bank get permission to lie to their customers in this latest round of bailouts? I would be happy to get the offer that I was "pre-approved" for and an agreement to keep these bogus offers to a customer that is amused by them.Sincerely[redacted]Desired Settlement: I would like suntrust to honor the letter sent to me.

Business

Response:

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

We sent a letter today to Mr. [redacted] to address the issue he brought forth to the Revdex.com. In addition, we left a voicemail for Mr. [redacted] today asking that he contact us so that we may fully address his concerns, but we have no received a return call from him. Therefore, we are closing our file on Revdex.com case [redacted].

Please note that SunTrust does not currently offer pre-approved credit card offers, but we do offer pre-qualified credit card offers that have reservation codes on them, as this is the way we are able to determine which offer was sent to a client or a prospective client.

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

Sincerely,

Review: This bank has posted an inquiry on my credit reports that I did not authorize.Desired Settlement: DesiredSettlementID: Other (requires explanation)

Removal of the inquiry from all three major credit bureaus.

Business

Response:

Review: I had a suntrust checking account with suntrust, filed a check claim fraud, they have decided that because I did not answer one phone call to speak to the fraud department, to close the account, but before closing it, they have put the account on a no debit status. Everytime I call suntrust, I receive multiple diffrent answers. One says I will get my refund check in about 7-10 business days, this was on Tuesday 0506/2014, another says that they are still going to keep the account open, but no debit status, so they can continue to receive intrest on my account, and bill me the monthly fees, of 17.00/per month, until the account is at a 0.00 balanca (Theft).Desired Settlement: Issue a refund check, OVERNIGHT, to be of my account balanca, which is at 2100.00 and something.

Business

Response:

We responded to [redacted] by letter on May 20, 2014. If you have

any questions about our response please contact [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.

Sun Trust bank has sent me information reguarding 2 accounts that are not mine. My account number ends in[redacted], they sent me two diffrent statements for 2 other accounts, that I have no information of opening? Therefore the information you are requesting to view, is void and null.

Regards,

Review: I have had a checking account with Suntrust Bank for a number of years. About 2-3 years ago I opened a Personal Line of Credit & noticed that I was being charged an additional 25/year for this. Just recently, I was told that since I already have a checking account with Suntrust, the accounts should have been linked in order to avoid the service charge.Desired Settlement: Since this was an error on the Banks part, I would like them to refund the yearly amounts they have billed me since this was clearly and error on their part, for which I had to pay.

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.

Business

Response:

SunTrust responded to our client [redacted] on 7/2/14 via phone and the following was discussed.

72/14- Spoke to the client and informed her a s a courtest I will refund the annual fee applied to her unsecured credit line for 2013 and 2014 if she agrees to go in to the branch and sign a form to have her unsecured line of credit connected to her checking account as overdraft protection. Informed the client once she has this completed the annual fee will be waived going forward as long as they are both open. The client was very happy

Review: Our bank account was over drafted after we spent the money in the account and we did not realize this had happened. We are aware of the fees that are associated with over drafting our account but sun trust charged us $540 in overdraft fees on the money that was spent before the overdraft occurred. It was taken out of the available balance but we were still charged an outrageous amount of money. We should only be expected to pay approx. $90 in fees. When we contacted the banks customer service department, they said they would refund only $78 dollars back but that was all they could do because of their policy. This is ridiculous. I am contacting everyone possible to get my money back. There is no way that this is legal to steal our money. We are more than willing to pay the fees that accrued due to the actual charges that over drafted but not in the amount of $540. I have also contacted an attorney for a consultation because I have had this happen more than once. This is uncalled for and stealing.Desired Settlement: I want the amount of fees to be drastically reduced and refunded to my account immediately. I am willing to pay only the amount for each actual overdraft and not what was spent before. I have researched this enough to know that there are multiple lawsuits against banks for this practice. Our attorney confirmed this as well.

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.

I have no record of a message or resolution sent to me from the company. The attachment says to close the case and we have not received any resolution at this time.

Regards,

Review: I have been banking with SunTrust for over 6 years. They handle 50% of my bi monthly direct deposit, mostly due to convenience of the location. My other bank is downtown and I mainly use that to pay bills directly out of the account. I called SunTrust customer service on Thursday and asked them to make $100 available for me on Friday out of my deposit that was scheduled to post on monday 6/30. I explained to the manager [redacted] user id ufco35 that I needed to send my mom some money to fill a asthma prescription. Whenever my payday falls on a monday my funds are made available that Saturday. After 30 mins of conversation, [redacted] provided the exception but told me I would need to call back on Friday 6/27 because the exception could only be granted one business day prior to my direct deposit. I told her I would call at 8 because I had to work at 9. I called at 8 and spoke with [redacted] user id [redacted] who placed me on a uninterrupted hold for 14 mins before coming back and denying the exception. I escalated to her supervisor [redacted] Supervisor of first client resolutions user id [redacted] who discussed the situation for another 30 mins and then denied the exception that was guaranteed the prev night. Not only was the guarantee by the previous supervisor not honored, I was 90 mins late for work and was unable to get my mother her needed medicine. I called on my 15 min break and lunch and two supervisors told me that [redacted] was unavailable. When I called back at 4 [redacted] had honored her word and credited my account the $100 so I can wire it to my mother. When I got off at 7 & went to wire my mother the $ the credit was removed! I had called my mother when I heard the $100 was available and told her I would wire the money when I got off. So this not only inconvenienced me but also my mother. I called customer service again and [redacted] adv that she issued the credit but had to remove it per upper management. I will be ending my business relationship with SunTrust due to this situation.Desired Settlement: I want all the supervisors to undergo customer service training. I take calls for US bank and if one manager notes account of a exception all managers must honor that. [redacted] user id [redacted] especially needs the training, placing a customer on hold for 13 mins without checking back in is very unprofessional. Everyone I listed above is a supervisor so I expect a more professional experience. On monday I will cease my business with SunTrust over this matter.

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: June 2014, I visited the [redacted] to make a Consumer Loan Payment. At that time, I was told that since I provided a voided check to keep on file, that I would not need to physically visit the branch location to make any future payments. The branch rep confirmed that I could simply call in, verify my information, and have them process the payment over the phone. I attempted to call in today to this same branch to make my payment and was informed that the policy was updated 1.5 weeks ago (after my visit) and that they would not be able to accept my payment over the phone. I am out of town and there is no branch near me to physically visit. The agent refused to process my payment and, instead, suggested that I call in to customer service to make my payment over the phone for a fee. This is obviously a training opportunity for this branch and I do not feel that I should have to pay a fee for trying to make a payment that I was told could be done over the phone at no charge. Why did Suntrust accept a voided check to keep on file if I still have to physically visit a branch to make a payment?Desired Settlement: DesiredSettlementID: Other (requires explanation)

I would like my payment to be accepted over the phone without a fee. I am out of town and my payment is due immediately. I did not make arrangements to visit a branch prior because of the information provided to me at my last visit.

Business

Response:

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

Please close this case on your records.

Review: On September 4, 2014 I opened an account online with Suntrust. On September 15, I attempted to use my debit card and could not, I then tried to log on to the account and was not able to log on. I then called the bank and was told that my account had been closed and that any funds would be returned within 30 days. I asked why no one had called or why I had not received any notification of the closure, the customer service rep told me that she had no information and that I had to wait for the letter for an explanation. I never received a letter from Suntrust or the funds that were in my account that totaled $338.

On 10/16/2014 I called Suntrust to check on the status of my refund and was told that I had two accounts in 2008 that were not handled properly and that my funds would be used to cover those accounts, I was then given another phone number to call. I tried to explain to the customer service rep that she was correct and that I did have two accounts back in 2008, but that they were sent to a collection agency and that I settled the accounts with the collection agency in mid 2011. She then told me that she was not able to do anything and that I needed to speak with the fraud dept. The fraud dept was of no help and basically regurgitated exactly what the previous customer service rep stated.Desired Settlement: I would like for Suntrust to further investigate the closed accounts from 2008 with the collection company that they turned the accounts over to and then refund my $338.00 that was in my account at the time of the closure because I don't feel that it is fair for me to have to pay the collection company as well as Suntrust for the same debt.

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: In April of 2011 there was an online application submitted to SunTrust for an Auto loan to pay out an existing loan in the sellers name for me take over the loan and possession of the vehicle in my name. The bank representative advised me that at the closing, the seller would be there to surrender the vehicle and I take possession. The loan amount would be $15,593. The vehicle was never surrendered and Suntrust Bank stated that they submitted a check to the sellers lien holder and never received a title. I had a checking account with SunTrust Bank at the time and they offset my checking account to make payments for the loan on a vehicle that I never took possession of. In the event that I did have possession of the collateral, SunTrust would not be able to surrender to me the Title once the loan matured. Due to SunTrust refusing to stop payment on the funds, resulting to them offsetting my checking account, I closed the checking account they continued to deny my request to refund to me the payments that they offset from the checking account, and they have reported negative to all 3 credit bureaus and charged the account off on my consumer credit reports. I have disputed it countless times, spoken to several managers and they have still failed to remove the account from my consumer credit report. The customer representatives have been very unprofessional during the phone contact, failed to return any of my calls with messages left for upper management to contact me.Desired Settlement: I would like to be compensated for the $500 down payment and the monthly payments all offset from my checking account and I would like this loan wiped and removed from all 3 of my consumer credit reports.

Business

Response:

Please see attached.

Consumer

Response:

Business

Response:

Re: Revdex.com complaint# [redacted] The matter has been turned over to [redacted] in our security department who is following up with Mr. [redacted], and he may be contacted at [redacted]. Thank you.

Review: In April of this year I discovered a re-occurring charge of $49.95 which was charged to my account every month since 5-23-14. This comes to $549.45. Sun Trust told me they would refund 3 months of the payments since they were fraudulent charges. So, they admitted they were fraudulent but offered only 3 months of payments back. I never did receive my money for the 3 months. I want my entire $549.45 back which was taken from my account without my consent.

Product_Or_Service: UnknownDesired Settlement: DesiredSettlementID: Refund

I simply want my entire $549.45 back which was taken from my account without my consent.

Business

Response:

Dear Mr. [redacted]: We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding disputed charges on your above referenced account. We appreciate the opportunity to respond. Our records show we set up Case [redacted] when you contacted us on March 30, 2015 to dispute recurring debit card charges from [redacted] of $49.95 each (totaling $549.45) that posted to your account in 2014 and 2015. The claim was declined for a full refund because we were not informed of the charges within 60 days from the first statement the disputed charge appeared. On April 2, 2015, we refunded three charges, and your account was credited $149.85 (see dispute credit on the enclosed statement). The timeframe for reporting errors involving electronic transactions on your account is explained on page 42 of our Rules and Regulations For Deposit Accounts (enclosed). Our Rules are provided at account opening and on our website suntrust.com (see About Us--+Fee Schedules-tDeposit Account Disclosures). We reviewed your case again and based on the information you provided, your case was declined for a full refund, as explained in the April 3, 2015 letter from our Fraud Assistance Center (copy enclosed). Mr. [redacted], I understand this is not the resolution you are seeking from SunTrust and regret any frustration this situation has caused you. If you have not already done so, you may want to contact the merchant for additional refunds. Should you have any other questions or concerns, please call our Fraud Assistance Center at 800.447.8994. A representative will be glad to assist you. Sincerely,

[redacted] Officer Client Advocacy Team

Review: Suntrust placed a 'no-debit' status on my personal checking account, essentially rendering my account inaccessible, due to a deposit that was made into my account, that I had no knowledge of or attempted to make (the deposit occurred in a branch in Atlanta, GA, I reside in MD, and have no family or business dealings whatsoever in the state of GA). After several hours of being on hold and speaking with various customer service personnel, I physically went into a branch to attempt to get the issue resolved. The representative in the branch was very helpful and did his best to advocate on my behalf to get the issue resolved as quickly as possible, however, the Fraud department was unable to provide any resolution. I was told that a fraud claim was being opened, and that it could take up to 10 business days for the issue to be resolved. As a customer that has banked with Suntrust for many years, I found this to be very frustrating for a number of reasons. One, I felt that I was being held liable for a fraudulent transaction that I had nothing to do with, and two, as a single parent who has two children solely reliant on my income, there is no way that I cannot have access to my paycheck for 10 business days. A few hours after I left the branch, I received a call from a 'Fraud Investigator' in a GA location. She advised me that the deposit was an error on Suntrust's end, and that the fraud claim would be closed, and I would again have access to my accounts. At that time, the information she gave me was correct, and I was able to access my account. However, less than 12 hours later, I attempted to utilize my bank card, and was told the transaction was declined. When I called into Suntrust again, I was told that the 'no debit' status was placed back onto my account. Unfortunately the department that had to handle my issue was closed. In the subsequent days, I have attempted to contact Suntrust to resolve the issue and no one has been able to assist me.Desired Settlement: I am being charged various returned check and late fees from my daycare provider, and am at risk for utility and other services in my home to be shut off due to non-payment, since the access to my paycheck has been blocked by Suntrust. I am requesting a refund of the fees that I am being charged, since this was not an error that I caused or am responsible for; especially in light of the fact that Suntrust claims that its customers have 'zero liability' for fraudulent transactions that occur.

Business

Response:

We have received and reviewed your correspondence forwarded

to us from the Revdex.com regarding a no debit status that was placed on your above

referenced account. We understand that we did not meet your expectations in

this situation and regret any inconvenience caused.Our records reflect that due to a bank error, on May 22,

2015, a “no debit” status was placed on your account. The hold was removed on

the same date. On May 26, 2015, a “no debit” status was placed on the account

again, upon verification the “no debit” status was removed and the account and

debit card were active. All SunTrust fees assessed due to the error were

refunded on May 27, 2015 (statement copy [redacted]). You mentioned that you were

charged late fees due to the returned checks. If you will provide documentation

of any late fees that were assessed during this period, I will be glad to

review to determine if additional refunds are in order. You can send the

information to me at the above address.The account is currently overdrawn. Because of this, we ask

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

If we may be of further assistance, please do not hesitate to contact us via

your Online Banking Profile, call us at [redacted] or visit any

SunTrust Branch. Our representative will be glad to help you.Sincerely,[redacted]

Review: On 04/01/2015 I realized that I had a check card purchase for 1500.00 on 02/24/2015 to [redacted] I did not make or authorize the payment so I disputed the charge and informed suntrust and was given a case number of 2229001 CKCD. On 04/09/15 I received a email with a notice attached stating that my case was closed and has been deemed to be valid and correct. The problem with the transaction is that I did not make the payment or authorize the payment. I also have never purchased anything with [redacted] I do not own a car or even have a license to drive a car but was charged 1500.00 fraudently. Because of the missing funds, this caused my account to overdraft and close and be sent to collections. Its extremely frustrating to bank with a company who allows fraud to happen on your account especially with significant amounts of money.Desired Settlement: I would like the amount of 1500.00 refunded from the fruadulent transaction and my account reopened.

Business

Response:

Dear [redacted]Thank you for your inquiry concerning your

account with SunTrust Bank.According to our research, the

transaction(S) in the amount of $1,500.00 conducted on 2/24/2015 was complete

and valid. There were no errors in the transactions(s).Based on this information, we are unable

to honor your claim for the transaction(s).Should you have any questions or require

additional information, please contact our office at [redacted].You may wish to review the Rules and Regulations

for Deposit Accounts as applicable to regulation E. including provisions about

your rights to obtain records on which this decision was based.