SunTrust Bank

Review: Suntrust allowed $965 to be stolen from my bank account by not stopping twenty-seven (27) illegal purchases in nine (9) different states from California to the east coast and in between. This theft occurred over five (5) days even though I called and emailed Suntrust as soon as I noticed AND while charges were pending. Suntrust did not protect my funds and are refusing to share the documents showing that they even investigated the theft.Desired Settlement: Suntrust should report the theft to the law enforcement agency, as they said they would and did not.

Suntrust should investigate the theft, as they said they would and did not.

Suntrust should provide copies of their investigation report to me and law enforcement, as they said they would and did not.

Suntrust should return the funds.

Business

Response:

Dear Mr. [redacted]:We have received and reviewed correspondences forwarded to

us from the Revdex.com and FRB regarding fraudulent activity on the above referenced

account. We were recently informed that these complaints were filed in your name by

your father Mr. [redacted] Ill. Because we do not have your authorization to

speak with Mr. [redacted] Ill about your personal and account information, we are

responding directly to you . The following three claims were filed for unauthorized debit

card transactions that occurred on your checking account.• Fraud Claim 2352919 was filed for a July 24, 2015 debit

card purchase from RI FLA for $415. This was a merchant dispute and not a true

fraud claim. The dispute was resolved when the merchant credited your account

$415 on July 27, 2015. These transactions are reflected on your

[redacted] July 27, 2015 statement.• Fraud Claim 2395752 was filed for two debit card purchases

at [redacted] totaling $12.60 (August 25, 2015 for $4.60 and August 26,

2015 for $8.00). We paid these transactions on August 28, 2015, and the credit

is reflected on your September 24, 2015 statement (copy [redacted]). • Fraud claim 2389121 was filed for 22 unauthorized

transactions that were debited between August 21 and 26, 2015 totaling $865.32. Our

Fraud Management team reviewed the transactions again and

determined the transactions were fraudulent. Therefore, a final credit of

$865.32 was issued to your account on November 6, 2015. This credit will be

reflected on your next statement. Regarding your account, if you would like us to

discuss and release account information to someone other than yourself, please

provide notarized written authorization naming a designated person and the last

four digits of their Social Security number. You may fax this to my attention

at [redacted] It is Sun Trust's policy to offer its banking products and

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

responsible and nondiscriminatory manner, and in compliance with all applicable

Fair Banking and Consumer Protection Laws. 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. Mr. [redacted], I

hope this information is helpful to you . Should you have any additional

questions regarding your account, please do not hesitate to contact us via your

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

branch. A representative will be glad to assist you . Thank you for choosing

SunTrust for your financial needs. Sincerely[redacted]

Review: They have placed a hold on a check I deposited for over two weeks and can not explain why nor can they remove the hold. I never get contacted back and this is ridiculous! They are also very unprofessional and inexperienced.

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 opened a account with SunTrust Bank cause they have a great promotion. The first mistake I made was overdrafting the account in witch I had no problem paying for since I did agree to a fee if I did overdraft. The problem started when I received my direct deposit, it turns out that after my funds were put into my account by my employer I needed to make a withdrawal of $160 of course after my overdraft fee was payed from before, the total in my account was $437 after fee and overdraft I was left with $307. Minus $160 withdraw total balance left $147. OK then bought [redacted] for $6 also $19 in gas and cigarettes total balance $122 right? Well I needed extra cash two days later, so I new that I had no choice but to overdraft my account so I did by exactly $100 so my total amount withdraw was $220.....NOOOOOOO!!! According to SunTrust Bank they put your money on hold on purpose even if it's cash then they put the higher amount first so that they can charge you overdraft fees over and over because thier policy is to put all your debit transaction on pending even if you have that money available in your account this way it takes 3 business day to clear and they could charge you $36 multiple times. Now I understand and except the overdraft fee of $100 witch puts me under by -$98 but instead they made sure to not clear any of my transactions until they put the bigger amount in other to keep charging me. WOW!!! If I have direct deposit with a bank isn't that money available to me for use once cleared???. If I pay for anything with debit instead of credit don't they take that money right away??? Why would they put my transaction on pending if it's not to steal from me? They do this to steal your money and say it's our policy to put the higher amount first even if it's not in that order. So in the end they claim I have a total of 6 wait 6 overdraft fees. WHYYYY!?! IF I ONLY OVERDRAFTED ONCE!?!.Desired Settlement: Remove all but One overdraft fee with is the correct fee not 6. Stop putting people's money in pending but show them wrong available balance.

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 March 15, 2016 at 6:44 pm EST, I had an unauthorized charge on my card in a location that is around 6-7 hours away from where I live. I was not notified of this and the only reason I saw it was because I checked my bank account to see if a deposit I had made had gone through. It was a substantial amount of $182.73. Now, I understand that this happens, it has happened to me before at a different bank. My issue is the appalling way that SunTrust bank has "handled" this fraud claim. This fraudulent transaction has a very real possibility to cause my account to be over-drafted due to having checks previously sent out to pay bills in which I will be stuck with those fees and not to mention out of money to pay other bills or even get food for my husband and I. SunTrust's answer to this? So sorry. It will take 10 business days to process your claim. Okay well what about if we need food? Well our job is to prevent this sort of thing from happening so we reccomend that in the future you have two accounts for your money. Seriously? I am about to have no money and you have absolutely no way to fix this when is is in no way, shape or form my fault?! When this happened with my previous bank, they applied a temporary credit, which is the obviously right thing to do. Why am I guilty until proved innocent? Isn't that supposed to be the other way around? I understand that $200 may not be anything to some people but this has just made my life completely turned upside down.

Thank you for your time.Desired Settlement: I want this bank to change their policy on fraudulent claims and charges. Apply the credit immediately, and if the customer is lying and actually made the charge, take back the credit. If it is my case where this money can make the difference in eating or not, apply the credit immediately and do the paperwork last.

Business

Response:

Consumer

Response:

Business

Response:

Dear Ms. [redacted]: We have received and reviewed your correspondence regarding the status of the fraud cla!m referenced above. I am sorry to learn of the fraud that occurred on the account and understand how frustrating a situation ·like this can be. I appreciate the opportunity to respond. Our records show that, on March 15, 2016, you contacted our Fraud Assistance . ! Center to report an unauthorized debit card purchase that was pending on your account for $182.73 from BestBuy. At that time, Claim 2641230 was established. This unauthorized .debit did not cause your account to be overdrawn, and no fees were assessed because of the debit. Upon receipt of the notification of unauthorized activity, we started our investigation. On March 22, 2016, our Investigation of your cla!m was completed and we determined that you are not liable for the charge. A credit for $182.73 posted to your account on March 22, 2016 (statement enclosed). You were concerned about the length of time for a provisional credit to post to your account. In accordance with our Rules and Regulations For Deposit Accounts (pages 42 and 43 enclosed), we will provisionally credit your account within ten business days from the date you provide us with confirmation of the disputed amount. Our Rules are provided at account opening and available on our website suntrust.com (see About Us-Fee Schedules-.Deposit Account Disclosures). Your comments about the claims process are important to us and were forwarded to the appropriate management area. We understand that we did not meet your expectations in this situation and regret any inconvenience caused . 04-13-'16 15:28 FROM-SUNTRUST T-324 P0003/0010 F-500 Ms. [redacted], we hope the Information contained in this letter will alleviate any further concerns. Should you have any additional questions· regarding your claim, please contact our Fraud Assistance Center at 800.447.8994. A representative will be glad to · assist you. Thank you for banking with SunTrust. Sincerely, Kathy B[redacted] Officer Client Advocacy Office

Review: I have opted out of both overdraft protection options, but for some reason a charge was still allowed to go through, resulting in two overdraft charges. I know that this is against the law and I want my money refunded. I will pursue legal action if my money is not refunded. Moreover, your customer support is horrible: the woman hung up on me!Desired Settlement: I want all $72 of my money refunded back to me immediately.

Business

Response:

We responded to [redacted] by letter on February 12, 2014. If you have any questions about our response, please contact [redacted].

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: [email protected].

Regards,

Review: I've had a card with Suntrust for around seven years now and until late last year, my payment history with Suntrust was good. Because of a number of issues (husband lost his job, young son needed dental treatment that my dental insurance only partially covered leaving a large payment that I have to cover, other son was diagnosed as having a developmental issue that has required a number of doctor's visits, etc), I was unable to make my usual payments to Suntrust (please note that I did continue with monthly payments, I just was unable to continue making full payments). I informed Suntrust of these issues and was ultimately told that I did not qualify for the one option they offered (a permanent adjustment to my monthly payments.)I should mention that despite the above issues, I did not request that Suntrust make a permanent adjustment to my payments. Instead, I asked whether something more temporary was available since I felt that within 6 months to a year, I'd have enough of a handle on the above that an adjustment would no longer be necessary. I should also mention (and this is one of the main reasons I've filed this complaint), they continue sending a very inflated bill showing that my minimum payment is about $500 more than what my online account is showing. Note that the online account is up to date as of today's date. I've asked for an explanation of this and was given a response that I still cannot make sense of (despite my usual understanding of such issues and my educational history).I honestly feel that Suntrust continues to send a very inflated bill as an intimidation tactic and its very frustrating given my good history with the company. I understand that for companies such as Suntrust, the most important thing is the bottom line, but it is truly disheartening to see that Suntrust cares so little about its customers.Desired Settlement: DesiredSettlementID: Other (requires explanation)

I would like for the monthly bill that is sent to my home, as well as my online account to be updated so that they contain the same information. It makes no sense that the information would differ though both are supposed to be up to date. Also, it would be great if someone in leadership at Suntrust would take a look at my account, as well as my history and let me know if there is truly no temporary option available in my situation.

Business

Response:

Dear [redacted]:

We have received and reviewed your correspondence forwarded to us by the Revdex.com regarding the status of your above referenced account. Your comments are important to us and were forwarded to the appropriate management area. We appreciate the opportunity to respond.

You indicated that you had previously tried unsuccessfully to obtain assistance with payments for the account. After reviewing your situation, we were able to place your account in a one-year hardship plan. The hardship plan will begin in January 2015 after the account is brought current through a three month re-age plan, beginning with the October 2014 payment. Our representative called you to explain this arrangement, to which you agreed and accepted.

[redacted], we are pleased that we were able to provide the assistance you requested. If you have any additional questions, please feel free to contact our Credit Card Services at [redacted]. One of our representatives will be glad to assist you.

Sincerely,

Officer

Consumer

Response:

I have reviewed the offer made by the business in reference to complaint ID[redacted], and find that this resolution is satisfactory to me. The business has performed this action and, as of today's date, I've made my first payment under the plan in which we were able to come to an agreement. I consider this complaint resolved and am very happy with the service that I've received. The representatives with whom I had the pleasure of speaking were beyond professional and truly restored my faith in Suntrust.

If there are any other issues, I will get back to you at: [redacted]. Thank you so much for your assistance in this matter.

Regards,

Review: I ordered some historical statements online, and I read the fee schedule for these statements, but it never gave me a total that I confirmed, and ended up charging me $180. If you are in the situation to automatically deduct someone's money from their account, there needs to be a confirmation of the amount that you will be deducting so the customer can have a legitimate understanding of the total fees and make an informed decision and full consent for you to deduct those fees. I never would have ordered what I did if I had known that you would charge me $180. You should not be legally allowed to take the money without showing me the total first and getting my consent.Desired Settlement: I would like my money back. You can keep the statements. I would also like for you to have a screen where you total the amount that will be charged to a customer for a research fee where you get their consent before making those charges.

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: Please, I kindly request your help as regards a fraud committed by a Suntrust [redacted]' financial adviser, his name is [redacted] and his supervisor is [redacted] who is covering up for him. [redacted] is the vice President of Suntrsut [redacted], located in [redacted], Maryland. [redacted] advised us to put $102.000 in 2001 for my mother and myself, life insurance policy, saying that when she dies, I will receive a large amount of money, it was a [redacted], with [redacted]. In 2003, we wanted some money and he told not to withdraw from two other accounts with him and told us to withdraw from the life insurance, $60.000. However, he never informed us that they would be interests accruing on that loan we took from our own money and he did not say that we have to pay the interests on the loan. Every time my mother calls him or we see him at the Bank and we ask him how much we have in this account we opened with him, he answers that everything is fine and the money is the same as 2003 and never mentioned about interests etc. We received a letter from [redacted], saying we have to pay $2380.26 since the interests accrued and the loan is higher than the cash value and that now the death benefit is zero or $10.000 . He committed fraud and told us lies and hided teh truth so taht he woudl get commisiosn and made us looose our moeny. We had originally put $102.000,we only took $60.000 and now we have nothing. He made us loos the rest of teh money, which is $42.000, if we had put even in a CD we would have made interests on taht, but he made us loose teh whodl $42.000, for his own benefit. Suntrsut [redacted] does not want to admit that he committed fraud.... Specially his supervisor [redacted]. Please, we are innocent peopel who have been cheated upon. We want him to reimburs us the $42.000 and we are not being greedy and asking fro interets, we only want our money back. [redacted] is repsonsible because of his fraud and cheating on us (innocent people.) Thank yo.Desired Settlement: Thank you so much for your help and kindness. Please, we kindly request you to make [redacted] or the party, from Suntrust [redacted], reimburse us at least the reast of teh $102.000 we had put in 2001 and it is $42.000, we woudl alos appreciate if tehy add the interests that we would have made, or at least reimburs us teh $42.000, since it is the financial adviser [redacted] fault who lied and cheated and hided the truth for his own interests and we are innocent people/

Business

Response:

The attached response was mailed to the above client on July 17,2013.

Review: About 7 months ago suntrust closed my account because my identity was stolen. A detective was very rude with me and told me that the picture of the woman using my card looked like me.(which I assumed because she was stealing my identity) I asked to receive the picture and have in verified in a local branch. EVERYTIME the detective and I talked he refused. My account was closed. I was sent a check due to the refunds to my account. I incorrectly assumed they had resolved their issues. Now in March 2014, I opened a new account in which I was sent emails and given an account number on. I went into the branch and made a cash deposit and ordered a new debit card. All wa well, so I thought. I later deposited a personal check into the account. The next day without any notification I wasn't allowed access to the account. I contacted the phone customer service and was told the account was being closed due to the previous account issues in which I was falsely accused. Then the bank told me I had to wait thirty days to return the money. This is where the BIG issue is. The bank says they failed to initially complete all security checks. They should not have allowed me to deposit money into am account they had no intention of keeping open. Furthermore, they should not have worked their process backwards and now leave me stuck in a bind. To make matters worse I am not even sure the thirty days is a correct statement as the first agent told me there were not any notes as to when I would receive my money back. This is a major inconvenienced to me and could have greatly been avoided. They treated me as if I completed the process backwards. All they had to so was deny me the account initially instead of trying to get all of the business they could without properly checking things before allowing me to deposit money before making all necessary security checks. Now my money is tied up an everyone I talk to can only seem to say "oh well".Desired Settlement: I would like for this bank to give me my money back immediately and change their policy so that all security checks are done before accepting a consumers money and tying it up for 30 business days. This is ridiculous.

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 give any authorization for the bank to release my personal information.

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

Regards,

Review: My fiance filed our taxes through [redacted], he filed the taxes under his name and my daughters name. I received my taxes on March 4, the amount total of $5463.00 into the account that I had with sun trust. The next day I checked my account and I was negative -$533.00 I called sun trust and the representative told me that my account was under investigation for fraud, and that my account would be closed, not only that, they would charge me for the negative balance. I WAS NEVER EVER contacted about being under investigation, how can someone be under investigation, with no investigation? on the 20th of March I spoke to another sun trust representative who told me that my "fraud investigation" was finally closed and the "official check" was in the mail to the [redacted], he told me it would take up to a week to be received by the [redacted]. I called sun trust everyday for the next 3 weeks and every time they would say its gonna be there soon, after 30 days We called the [redacted] many many times to check if our money was in, and they said no. So I didn't know what else to do and contact an attorney and and [redacted] Agent to help me, they sent me in a couple of directions but one main one is the issue that I am a victim of Conversion because how long sun trust had a hold on my money with no real investigation.Desired Settlement: I would like for sun trust to Refund me for my lost time, and money, I endured alot of stuggle and suffering because of the back and forth I had to do for something that was mine in the first place.

Thank you.

Business

Response:

We responded to [redacted] by letter on May 2, 2014. If

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

Review: I disputed two fraudulent charges made by [redacted] and they refunded me the returned item fees for the transactions because they were returned and now they have reversed the credits for the returned item fees and caused a purchase that I made with money in my account to be returned because they put the two 36 dollar returned item fees before my [redacted] purchase and now they are saying they cant refund me the returned item fees and say that [redacted] is to refund the fees but I thought it was the bank for fraudulent charges. ok now my bank account shows a credit for one of the returned item fees but they have charged me two 36 dollar overdraft fees and they charged me for a paid item- [redacted] and so now my account is now negative $106.83 and all because it started with them reversing two 36 dollar returned item feesDesired Settlement: I would like suntrust to reverse every last fee charged to my account

Business

Response:

Re: Revdex.com complaint #[redacted]

SunTrust has responded to our client but cannot share the

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

Please close this case in your records.

Review: I wrote a check for a down payment on a house. The underwriter wanted a copy of the check once it cleared my bank. I use online banking for my transactions. All of my other checks have posted digitally to my account with the exception of the one for the down payment on the house. I requested a copy of the check and they indicated it would take 5- 7 business days to receive the check. When I checked back 7 days later, I was informed to give it a couple more days. I still have not received the check 12 days later and closing is fast approaching. If I do not have a copy of the check before closing, I will be forced to seek legal action for damages.Desired Settlement: I just want a copy of the check . I do not care if it is by mail or digitally sent before June 12, 2014.

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 deposited $200.00 dollars cash into my sun trust checking account on May 9th 2014,the money went directly into my account since it was cash, on May 12th I noticed I had a -$200.00 miscellaneous withdrawal fee, and a 12.50 over draft fee because I did not have enough money in my account to cover the cash they took out, so I called into the bank to see what was going on, of course no one could tell me and I was told they would call me back, I never received a call back, so I continue to call 3 more times until I finally was able to reach a manager, she Investigated it for me and found out that the teller for some reason thought I withdrew the money instead of depositing it, mind you he took it out of the account 4 days later. So they had to review the security cameras which took a week, once they reviewed the cameras they realized that I did actually deposit the money and did not withdraw it.I keep calling into the bank everyday and they keep telling me that the money should be back in my account yet, but its still not there.I also noticed that there was another deposit for 200.00 dollars on May 13th and then a few days later on May 16th they took the 200 out of my account, so I inquired about this charge also. They told me that I didn't go to the bank that day and some random guy came into the bank, used my account # and deposited 200.00 into my account and then 3 days later they noticed it was in the wrong account.There is no way I'm buying this, its too much of a coincidence.I still have not received my money back or even received an apology, I no longer feel safe putting my money into Sun trust.Desired Settlement: I would like my money back that is owed to me, $200.00 dollars plus the 12.50 overdraft charge and for them to really look into what is going on at that branch at Suntrust because there is something dishonest going on at that bank

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: Suntrust Bank opened an account in my name without my consent and there are charges and purchases made with the card that I did not authorize.Desired Settlement: I would like the fees waived and the account closed in good standing.

Business

Response:

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

Please close this case on your records.

Review: We have banked with SunTrust for 17 years thru multiple bank buy outs. Recently, my husband made a substantial error in the checkbook that resulted in several overdraft charges. In 12 days we were billed $781 for fees. My husband was out of town so I was completely unaware of the charges and the bank made no effort to notify me. At the same time, there was fraudulent activity on my account in the amount of 298.55. Finally, at the grocery store, my card was declined forcing me to contact the bank. The bank made me aware of the fraudulent charge and said my account was flagged and a temporary block placed on my account. Note the charge was from 4 days prior and I had been using my card (racking up more overdraft fees). The lady was kind enough to ask me if I was aware that my account was in overdraft. We then went thru several other charges that did not sound suspicious. They were mine. Finally, we were able to get my husband on the line and we determined the error in the account. We rectified the account the next day and SunTrust opened a fraud case on my card.

The customer service rep who was attempting to open the fraud on the account asked me questions related to when I first opened the account back in 1998--month and year I opened & street address of the branch. I could not remember any of that information so she could not authenticate me. My husband was on the line confirming my identity and answering questions about the balances and transactions, but that was not enough information. After 45 minutes she finally got thru the questions and opened the claim with instructions for me to go to a local branch to file an affidavit.

The next day I went to a local branch to file an affidavit and they could not find the case. Finally, they were able to call and find the case and get the affidavit so they could fax. Meanwhile, my husband went to another branch to inquire about a rebate on some of the fees since we we have been longstanding customers and there was obviously an error. He explained he situation and the branch manager agreed to rebate $107 but indicated that was all he had authority to refund. He was apologetic, but indicated he was simply not able to help with any additional refunds.

After a few days, the money from the fraud had still not posted to my account so I called and they indicated it could take 5-7 days so I would have to keep checking and if needed call back. Again, they had difficulty identifying me and said my information was not on the account. It took another 30 minutes on the phone, but I was anxious to resolve since I was already out over $650 in fees and this was making the budget very tight. Without the $298.55 back in the account we could potentially overdraft again.

Another few days and I called because there was still no credit. Then the lady could not find my information on the account and it took another 30 minutes. I spoke with a supervisor who was able to finally confirm my identity to her satisfaction and she opened an escalation since the "provisional credit" should have already applied. She indicated it could take another 2 days because that is how long they have to respond to an escalation.

2 days later I did have a provisional credit and my husband and I resolved to simply close the account since SunTrust is no longer the bank we originally signed up with. As anyone can appreciate, it takes a bit to close a bank account that has been active for 17 years--direct deposits and direct debits take time to update. Meanwhile, the budget is very tight because we already live close to the red and the $650 in fees was more than we had to pay--we were cutting everywhere to pay the overdraft fees. I logged on to my account and noticed a charge I did not authorize in the amount of $99. I called the bank immediately so they could stop the charge. However, the lady said they could not stop the charge since it was in pending status. Though there was a recent fraud claim on my account, the policy is to pay the vendor and then dispute. Of course, I would have to wait to gain access to those funds. You can see where this going. We can barely make ends meet and now I am out another $99.

Furious, I went through the whole story again to which the rep kept telling me how she understood. Frustrated, I told her that she cannot possibly understand. I understand we should not make a mistake in the checkbook, but why would the bank keep processing charges and not even attempt to notify us until we are overdrawn and charged excessive fees? Is the bank so desperate for revenue they must process payments there thru accounts where there is clearly not enough cash to cover just so they can collect an overdraft fee? Of course, I think there should be a fee, but there should be some attempt to notify me. All of this was to no avail as the bank has a policy and I signed up for overdraft "protection" so that is the procedure.

Fortunately, I was able to call the vendor and resolve. It will still take 3-5 days to gain access to the funds, but the vendor has agreed to rebate since the charge is not mine. The 3-5 days is much quicker than the time frame SunTrust has to resolve.

So frustrated with the amount of time and effort it has taken me to resolve these issues. Yes, I am responsible for my check book and I do believe the bank is fully entitled to charge fees on returned checks. However, here should be come control in place to prevent them from charging an account excessively. I feel cheated and I am very disappointed in the treatment I have received.Desired Settlement: Refund another $457 in fees and only collect for the first day the bank allowed payments to process ($216).

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.

Review: nmnmnmDesired Settlement: I want the border line illegal over draft fees returned and future transactions paid as they come in and not re-ordered to allow suntrust to charge me all of those additional fees.

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.

Review: I was issued [redacted] prepaid gift cards, two cards in the amount of $30 and one for $75 several years ago but they do not expire for several more years. On each occasion of trying to use the cards they would not work. After several years of trying I finally decided to call them. I was told that I no longer have funds available because of the monthly fee charged to the cards. Had I been able to use the cards this would not have been a problem. Because they would not work in the first place I should not have been charged the monthly fees. All three cards were gifts I received and not one of them had ever nor could have been used. I find this a complete rip off and after calling them they decided to reload the cards and waive the fees. After speaking with them on the phone the supervisor told me to go to any SunTrust bank and they could take care of this problem. So I went to a local branch and again they could not reverse the fees and reload the cards. What an embarrassment waiting in line to have this matter taken care of. Since the cards were never able to work I should have never been charged a monthly fee (which they agreed until I tried to reload the cards at the bank.)

Product_Or_Service: Visa Prepaid gift cardDesired Settlement: DesiredSettlementID: Refund

At this point I feel I should receive a refund for the total amount of $135.00 or at the very least I would like for SunTrust to reload the cards and waive the fees as promised and receive back the entire amount of each card totaling $135.00.Thank You,[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 on your records.

Review: Suntrust claims they have a one time over draft fee, but that have charged me 2 charges of 108 dollars. Not only that but they will hold charges hoping for more charges to come through. This way they can let them trough rather than reject them. So they can charge you more I will be leaving this bank in favor of a more honorable one.Desired Settlement: I would like to be refunded all my money excluding the original 36 dollar overdraft fee

Business

Response:

Re: [redacted] Revdex.com Case [redacted] We responded to Mr. [redacted] by letter on April 14, 2015. If you have any questions about our response, please contact Mr. [redacted]. Sincerely, [redacted] Vice President and Manager Executive Services

Review: I paid off my car and sold it and have yet to receive paper title and can not get a clear answer as to why and still can not get the paper title sent to me . All I get from them is they are emailing a back office and 1 to 2 days ill have an answer and its going on 3 weeks nowDesired Settlement: I need paper title by tuesday so I dont get sued by buyer

Business

Response:

We responded to Ms. [redacted] by letter on April 17, 2015. If you have any questions about our response, please contact Ms. [redacted].

Review: Rep. from Suntrust opened a credit card fraudulently without my consent. Asked for an application but instead I received a card two weeks later.

March 17,2015 stopped by the Suntrust branch at Redbug Road and Tuskawilla, to make a payment on an outstanding loan. I inquired about credit cards available and a rep. asked for my address and a phone number to contact me with information about opening a card. Instead she opened a credit card without even so much as a courtesy call to explain the terms of the card and placed an application without consent.Desired Settlement: Immediate closure of this card as well as restoring credit with the credit bureaus. Financial compensation is in order as well. This individual should not be allowed to this to anyone else.

Business

Response:

Re: BBS complaint# [redacted] Sunlrust 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.

Please see attached letter.

Regards,