SunTrust Bank

Review: I have been calling suntrusts number at [redacted] since friday january 1st. I had a mobile deposit submitted in the amount of $565 roughly that I needed to pay my rent by the 5th. I had learned it was being held and after calls on saturday and sunday as well as monday, learned that I would need extra steps to cash it early otherwise it would be held till the 8th which is after when I need it. The last representative I spoke with on Tuesday the 5th had stated that I can cash the check at the bank and call suntrust back and let them know I cashed it and to clear out the check that would have been deposited from my account. Now I already had a bill pay set up to my renters office to make a payment but that wasnt going to be on time either and I had already requested to have that taken care of. Now I did go cash the check and I called to let suntrust know. They stated they would put that in the system so it would not get cashed and nothing come out my bank. But both did happen, I emailed a supervisor to return the $565 that was supposed to be cashed and I called repeatedly to dispute $530 that was still sent out due to billpay. I was sent over to disputes last week and I was even provided with a case number from a representative and was told a fraud affidavit would be sent. The case number was #[redacted], but I just finished getting off a call with a supervisor and she stated she had no record in the system of my case and basically told me I need to call steeplechase and ask for my money. (my renters name). Now I had already contacted steeplechase to not cash the check since I learned it was being sent anyway but they still cashed it and from the email conversation not willign to provide it back. I was able to have suntrust be willing to do a three way call with my rent company. But I am pretty sure they will want to keep the funds in their account. But in the meantime my account is negative $540 and $565 and Im still getting fees for misinformation from other agents.Desired Settlement: I am being charged overdraft fees on my account and if steeplechase will not return the money to the bank I will have to wait untill I receive another paycheck which will be the 29th of december to get my account out of the negative. In the meantime I will get penalized for being in the negative. I want someone to refund the check that was sent out and the fees being accrued fixed. My saving and my checking are in the negative because of some weird overdraft protection system. The overdraft in my checking account is being bounced to my savings account which is why it now looks like im negative 1178.39

Business

Response:

Dear Ms. [redacted]: We have received and reviewed your correspondences forwarded to us from the CFPB and the Revdex.com regarding a deposit made to the account referenced above and the processing of your online bill payment. I understand this has been a frustrating situation for you. and I regret any inconvenience caused. Thank you for the opportunity to respond. Our records show that, on December 31, 201 ~' you made a mobile check deposit for $565.67 to the account (copy enclosed). During the review process of the deposit, we determined that a hold needed to be placed on the account for $565.67 due to the reason noted on the Notice of Hold (copy enclosed), which we sent you on January 41 2016. This Notice of Hold also advised when the funds would be made available. Please be assured that all of our clients' deposited checks may be subject to these types of holds, and all proper guidelines were followed in placing the hold on your account for the deposited check. When you contacted us about the deposit hold, I am sorry that our representative incorrectly advised you that you could cash the check before the hold was released. After we were notified that you had cashed the check, the $565.67 deposit was reversed from your account on January 13, 2016 (statement enclosed). Because you did receive the funds from cashing the check, our deduction on January 13, 2016 was accurate and will remain . Concerning your on line payment to Steeplechase for $530, we show you set it up on January 4, 2016, a check was issued on January 7, 2016, and it was paid from your account on January 12, 2016 (copy enclosed). Unfortunately, we found no record of your request to stop the payment. However, as a courtesy, we have refunded the $80.00 in returned item fees assessed to the account on January 15 and 25, 2016. This refund will be reflected on your next statement. Your comments about the quality of service you received are very important to us and were shared with the appropriate management team. SunTrust strives to provide exceptional service with each and every client interaction and we understand that we did not meet these expectations in this situation. For that we apologize. The information you provided helps us to know where emphasis for future training and process improvement efforts should be placed. We learn how and where we can improve from clients like you, taking the time to share your experiences. Ms. [redacted], I hope this information is helpful to you. If we may be of further assistance, please don't hesitate to call 800.SUNTRUST (800.786.8787) or visit any SunTrust branch. Our representatives will be glad to help you. Sincerely, ~~~ Sherry [redacted] Vice President Client Advocacy Team

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.

My issue with the whole situation is not the fact that there was a hold. I completely understand that banks have holds. I ALSO know some holds can be resolved if some action is taken, but the action needed to resolve this one was a bit much. Which is FINE. But I had to pay rent which would not wait till the 8th to be paid. So I took that recommendation to cash the check so I can pay my rent. I was under the pretense that ALL I had to do in terms of suntrust is just say hey I cashed the check so dont cash it, and cancel the bill pay because my balance would NOT have covered that amount. The only reason I did the billpay is because I thought everything would be good by the 5th. It wasn't so I made sure to say I would take other actions. So like I said no problem with the hold I just had to get my funds faster than the release which I did. But you guys STILL cashed the check which lead me to apologize immensely to my JOB because to them I just got paid twice!!!!! And then you still sent out a check with no money available for it!!!!! I had NO problem with$565 check being removed because I am not a thief! But because you still sent out that $530 check, the little bit of money I had left and wanted to use for items that I bought on amazon were basically bounced and I had to call amazon to resolve the billing discrepancy and deal with that repercussion of basically a bounced check. So I looked bad for my job AND amazon! Then to top it off when I try to resolve this issue your representative in the disputes department basically "opens" a claim that wasn't really open because when I gave the supervisor the number ([redacted]) she had NO IDEA of what I was talking about and there was NO case in the system!! So who the hell did I waste my time with???? I was under the impression that I claim would be opened and I would get my $530 back, but with the length of time all this bt took. There was no point for me to even get my $530 back. And you know whats funny, I received a letter yesterday from you guys discussing opening up a dispute for the check and claim it as unauthorized!! What the hell is this!! Its too little and MUCH too late to take back $530 because it was just applied to this months rent and I REFUSE to let you guys mess up any more companies I am associated with. I don't even want to pay $12 for service because this month of Januarywith you guys have been horrid! I knew something would be wrong when I couldn't even get my first checkbook with some checks I was told I had to pay for that when you guys didn't even mail me the beginning checkbook in the first place! I can honestly say I have never experienced this kind of service before and I am so disappointed that with all the agents I spoke with. It took a supervisor on the 19th of January to basically set everything straight. So once again, I have no issue about the fact that holds can occur anytime, I realize that, and of course I have no problem with the fact that you guys had to take the money back (I shouldnt have been paid it to the bank in the first place!!!) Its the fact that I was just led blindly, had to apologize to my job and amazon, and given false hope and had the inconvenience to cash my job checks at some random liquor store and pay those freakin fees because of this mess with you guys. $10 bucks to cash a check at M&t was not something I really wanted to have done. Thank god my job cancelled the direct deposit when they did or Id really be livid with you guys. This was a great birthday month for me, january was just perfect with you guys! Happy birthday to fking me.

Regards,

Review: I made a deposit on friday 3/18/16 to my suntrust from another bank and made a few purchases over the weekend, well I knew that it hadn't "posted" but I know that it reflected in my balance. Well according to customer service because the transactions "posted" before my deposit I was charged with 6 OVERDRAFT FEES!! THAT'S INSANE!!! If my card was overdrawn over the weekend(which is wasnt) the system wouldnt let me make purchase after purchase even if I have overdraft protection. If I charged purchases without deposit coming in then charge me the overdraft fees don't pay 12 little transactions ranging from $5-$58 then charge me $216 in fees!!! POINT BLANK PERIOD THE SYSTEM SAW THAT CREDIT OTHERWISE MY BALANCE WOULDN'T HAVE INCREASED AND ALLOWED ME TO MAKE SO MANY PURCHASES....IF I HAVE TO PAY $216 IN OVERDRAFT FEES IM SURELY CLOSING MY ACCOUNT!!Desired Settlement: TO REMOVE ALL OF THOSE OVERDRAFT FEES......

Business

Response:

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

Consumer

Response:

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

[Provide details of why you are not satisfied with this resolution.]They only refunded 2 overdraft fees, I'm still waiting for 4 more to be refunded

Regards,

Review: On February 22,2016 I made an attempt to purchase a phone from [redacted]. The transaction in the amount of 214.58 decline however the funds came out of my account anyway. I contacted [redacted] on behalf of the transaction. They have no traces on the transaction. I then reached out to Suntrust in regards to where would the funds could be since they were taken out of my account. I was inform they would conduct an investigation. After making multiple contacts to the financial institute. There has been no resolution to this matter. I was contacted from a representative of Suntrust. She then ask me did I send the affidavit off. I responded with yes. She then stated she will check with fraud department to see if it was recieved. That was on the March 10,2016. I contacted Suntrust on 3/14/16. Conducting a follow up on the case the representative then informed me that the affidavit was never recieved. I then explain to her that I recieved a confirmation that it was recieved and now I have to resend another one which will extend the time in me retrieving my due funds back to my account. I informed the representative that the service I'm recieving from them is unacceptable. The case gets no action on it unless I'm calling everyday. I've been dealing with this matter way to long not to have no progress. Each time I've contact the institution I haven't been able to get no where and not a reasonable answer as to when will they have an answer. This matter has to be resolved.Desired Settlement: Conpensation for inconvience as well as my due 214.58 back to my account.

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 had a checking account with suntrust bank. I over drafted on an item that cost 1 dollar. They reorganized 2 weeks worth of purchases so that my rent payment 2 weeks prior put me almost in the nagative, then all my small purchases on a trip for gas and food and drinks over drafted me 20 times. They illegally stole 2000$ in overdraft fees from me and when I explained to my banker their fraud she told me she was not willing to help. It has caused me severe distress emotionally and financially. That practice of reorganizing purchases to give them fraudulent amounts of overdraft fees is now illegal and morally reprehensible. I will fight them until I receive MY 2000$ plus interest and damages caused. I will begin a social media attack on suntrust and file a lawsuit.Desired Settlement: I want my stolen money back that they fraudulently and illegally stole from my account plus interest and damages which I calculate to 5,000$.

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.

This is the WORST BANK IN AMERICA. I am settling an estate for a family member. I did go into the bank with all my documentation to close the account. First it took three days for the documents to be approved by - as I was told legal - (death certificate and my appointment from the court). I got the accounts closed but now I have received a "bill" for "unpaid charged-off account". When I was in the bank, they were given all my information (address/telephone number). From the letter I received, it seems it was being mailed to the deceased person's old address (a property that was sold). I called the information number to find out exactly what this was because I had no problem with paying it out of the estate. As the previous person stated I was told they could give me no information, I had to go into the branch. All I wanted to know is what does unpaid charged-off account mean - can't tell me anything go into the branch. The letter also said if this wasn't paid it would be reported to the credit bureau as a "closed unsatisfactory account". As I stated, the person is deceased and Sun Trust has this information. I have never dealt with a bank like this before. Everything is go into the branch. You go into the branch, apparently, the don't know how to do their jobs or they just don't care. I would never recommend this bank to anyone. I am glad it is not in my area.

Review: My account was over drawn on the 9-16-13. On the 6th day (9-21-13) I made a cash deposit at the ATM to avoid an extended overdraft fee. On the ATM it stated that the money is deposited into my account the same day. My account was in the positive when I left the bank. I was charged an extended overdraft fee on Monday. The representative gave me every excuse. I told them I made a cash deposit. They said because I did not make it on Friday the 5th day, that is why. The bank policy states that you are charged after the 7th day. My account was in the positive before Monday. They are being unfair.Desired Settlement: I want them to refund my money back. I would also like for them to take that statement down that I had an over draft fee on 9-23-13. I did not. My account was in the positive. Call me and tell me that they are sorry.

Business

Response:

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

Review: Called Suntrust [redacted] ) requesting end of year statement for my mother's 401k account since it is needed for [redacted] calculation of her 401k which was distributed to my brother and I into our separate inherited [redacted]. long story short, over a span of many months from January 2014 until May 2014, called at least 5Xs over that period to check on the status of things but never received any calls back regarding what is needed in order to get the end of year statement. Basically Suntrust ** is completely irresponsive in terms of calling me back with any status over the course of 4 months.Desired Settlement: Mail me and my brother each a copy of the end of year statement of my mother's 401k with suntrust.

Business

Response:

We responded to [redacted] be letter on May 23, 2014. If you

have any questions about out 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: [redacted]

Regards,

Review: Sun Trust Mortgage reported a foreclosure on my husband [redacted] and my credit report. We sold our home November 2009 and Sun Trust received all money that was owed to them. I have a letter dated August 30,2010 from Sun Trust stating an inadvertent clerical error was made and they requested the [redacted] update our credit report accordingly. [redacted] to date refuses to remove this from our credit report. I am requesting Sun Trust Mortgage take action and have this removed from our credit report. This is affecting our credit and quite possibly potential jobs for us. The property address was [redacted] Account ending [redacted]Desired Settlement: I am requesting Sun Trust Mortgage take action and have this removed from our [redacted] report as soon as possible.

Review: Loan Number:[redacted] (2009 [redacted])

I am writing on behalf of my mother [redacted], who is suffers from Alzheimer's for a couple of years now and is unable to file this complaint on her own. My mother has been a loyal Suntrust customer for over 20yrs , five years a go she purchased a vehicle which was financed by Suntrust bank. A payment booklet issued for sixty payments which the last payment on the booklet was August of this year. The last payment, on the vehicle was late and it was the only late payment made on this account. My mother received a letter on November 13th stating she owned 685.34 and payment was due by November 29, her husband brought the letter over to me since I pay for the car.

I ignored the letter and assumed it was a mistake since all the payments on the booklet were made. On December 15 the car was towed from my home and on the 16th I went with my mother to the Suntrust bank located at [redacted]. When we arrived there we spoke with a representative of the bank, they didn't want to speak with my mom because her drivers license was expired and they couldn't consider that a valid form of ID' to be able to discuss the car issue.

I explained to the gentleman that my mom suffers from Alzheimer and hasn't driven for a couple of years he advised me to get her a FL ID from the [redacted]. He finally advised us what the issue was, the contract was for 72 months but they only give you a sixty month booklet because they don't make a 72 month and I should have read the contract to avoid this. I was appalled, I could not believe that instead of sending a letter advising her that her contract was 72month not just advising her she owed 685.34 even tough she completed the payment booklet and letting us assume the car was paid off. I then paid 1,471.37 went to pick up the vehicle at a place where you have to sign off on a wavier, which states you inspected the car for damages, that nothing is missing form the vehicle and this all takes place before you get your vehicle or they don't release it to you.

We have received two additional letters which states notice of our plan to sell property at a private sale and are requesting a payment of 2934.90. If someone from Suntrust could take the time explain this me as well, which I just don't get. Your assistance is greatly appreciated.Desired Settlement: Refund towing, collection attorneys fees.

Business

Response:

see attached

Business

Response:

Spoke with the business and they stated that they had the authorization form from [redacted], but that he is not the account holder. They have responded to his mother, who is the account holder, but cannot share that information with Revdex.com as we do not have the signed authorization form from his mother.

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: We have an issue with my delta sky miles card. We spoke with rep from the bank named [redacted] and she has stated she will call us back multiple times and of course very limited communication with zero results. We had the cards issued in both names to take advantage of sky miles out of our primary debit account. My wife uses her [redacted] all the time and it works great. We have paid fees for the last several years to keep these cards to stay activated with the sky miles card thru Suntrust. I finally tried to use my skymiles after almost 4 years of spending over 4k per month average on the card and I didn't have any sky miles from Suntrust at all? So I looked into it and they have my wifes number on my card as well? Which everyone knows that skymiles only work for the person on the card and the number much match as well. So why would Suntrust have used my wifes number on both cards? We called [redacted] and they state this is a Suntrust issue. All we want is the miles I have earned put on my [redacted] account in full for all 4 years I have paid to have the card active. [redacted] from the bank says Suntrust will not go back more than 6 months? I earn 1 sky mile for every dollar spent and that's a lot over 4 years. This is a problem that should have been resolved at the branches level but it has not. I Need this problem resolved and all sky miles put in my account and cancel my current card and add the proper sky miles number on card going forward. Thanks for your time and I hope to have this resolved asap.

Product_Or_Service: Delta suntrust debit cardDesired Settlement: DesiredSettlementID: Other (requires explanation)

Explained above.

Business

Response:

Re: Revdex.com complaint # [redacted]- [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: Hello my name is [redacted]. I am a Suntrust customer (well if everything go well I still will be). I went to [redacted] to make a purchase. On 05/09/13 gave the lady my wrong card. When I realized it was the wrong card, she had already swiped my card. She told me she can refund the money back, but I told her no, because it's an ATM right next door. So after purchasing my laptop. I paid for my other order with my other card, I left and went to the bank ATM. The ATM was down at the time and not accepting deposits at the time. So I called SUNTRUST. To ask if I will receive a overdraft fee she said "NO IT'S THE WEEKEND." She also said it's computer generated. So I say ok hung up so I put my money back in my [redacted] account. 05/10/13 date 23:54 time I put the money in my suntrust account. Saturday go by no overdraft fee. WOW! Sunday go by no overdraft fee. Guess what Monday go by. Guess what still no overdraft fee. So I gets up Tuesday guess what you got it (overdraft fee). Didn't get mad didn't panic. Because they always fixs when they mess up. So I get up before the BANK open put the money there. Give 1800 sucktrust time to open. Then all hell break loose. The lady who answers tell me. I can't get my money back. Because I made a purchase without the money in the account. I understand that the part I don't understand. Is when I check my balance at the ATM it was 294.00 pending. I put 300$ in the ATM (SUNTRUST) ATM that is. Which mean should've less than 10$ in the bank. Wake up three days later with a overdraft fee.Desired Settlement: I will like my 36$ back been a good customer for over six year. I have documents from off of suntrust [redacted]. With proof that I wasn't the only customer that been hurt by this.

Business

Response:

Please note that we have contacted Mr. [redacted] regarding his concerns.

Review: I was a customer with suntrust bank for almost ten years with several accounts including two mortgages. Then about two years ago Suntrust decided that they were no longer in the customer service banking business, but change to the rip your customers off business. There fee for everything went up and it seemed like all they were interested in was making money off of me. I changed all of my accounts except for one free checking account which in November of 2012 they told me would no longer be free as well. To which I told them I would be closing as well. But when I tried to close the account I was told that I could not over the phone that it had to be in person. Which was not true because I had closed other accounts with them over the phone. After several attempt to close the account over several months and $193 in fees I finally told them that if they did not want to close the account as per my request that was up to them and I was not going to pay any more of their fees. They finally charged off the account and are now threatening to turn it over to collections. For the last month I have been bounced around like a ping pong ball from one person to the next, bank manager to customer service supervisor collections department all claiming to have no authority to do anything. This account is in both mine and my wifes names who have excellent credit. And my wife for some reason beyond my comprehension still has an account with Suntrust. As I told the last person at Suntrust Mrs [redacted] in customer service. It is not as much the $193 to me as it is the principal that it is more important to Suntrust to collect those fees then retain me as a customer. They did offer to reduce the amount to $150 to which I counter offered to pay the $72 to which they refused and said they could no longer help me. So I am hoping this finds someone with in Suntrust they suggested the office of the President.Desired Settlement: As I stated above I am will to pay for the 2 overdraft fees, to be rid of Suntrust. Even though had the bank account been closed as requested those fees would have never been along with the rest.

Business

Response:

We received your correspondence regarding the above referenced case. However, you did not include a signed authorization form from the client. Therefore, we are unable to provide you a copy of our response to the client on June 5, 2013. Upon receipt of the signed authorization form, we will gladly share a copy of our response with your office.

Thank you for contacting SunTrust.

Review: I have a complaint with the Suntrust Bank's collection practices. I have an overdue car payment to which I have paid the monthly payment for June except for less than $100.The payment was due on 06/01/13 for $498.31. Before the 10th of June, they started calling like crazy. I realize that this is my responsibility but I asked them to stop calling me after 06/10/13. I told them that if the payment was over 30 days late they can contact me by mail. But they continued to call. Last week, I told them that this is against the law to continue to call me after I requested them not to but the calls continued. This is even after I told them twice to quit calling me and they called me 7 times today 06/26/13. This is completely out of hand. I have paid $400 out of the $498.31 and now I am being charged the $23.78 late fee. According to them the balance now due is $122.09.Desired Settlement: I would like Suntrust Bank to credit the remaining $122.09 that is left for the June payment. I asked for them to not to contact me by phone unless the bill is more than 30 days late and they ignored my requests. The $122.09 credit is for the number of harassing calls I got after I asked them to stop, twice.

Business

Response:

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

We sent a letter to Mr. [redacted] today to address the issue he brought forth to the Revdex.com about his loan account. Therefore, we are closing our file on Revdex.com case #[redacted].

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: I reported my card was lost or stolen. During that time someone deposited a fraudulent check into my account with an unknown name using a ATM. The check was 1300.00 they then withdrew 400.00. I went into the [redacted] branch and reported fraud. The froze my account. This is the account where my payroll check is deposited. After 10 days they informed me that they have taken the $400.00 from my payroll to re-coop what they lost and they will not reimburse me and my account will be closed. They stated they made the decision based on someone used my pin. I asked them to pull the film from the ATM to prove it was not me or anyone I know. I am the one that has been defrauded.Desired Settlement: I want my 400 and all the overdraft charged I incurred. totalling $503.00 and my account reinstated or a new account.

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 needed to get a certified check for closing on my house. There are no Suntrust Banks where I recently moved to so I called to see how I could get a certified check. They said that there is no way to get one over the phone or by mail, but that I could write a check to a bank here and then get one that way. I asked the customer service rep if that would work for such a large amount and she said that it would be no problem. What she didnt say is that it would take 3-5 days for the check to clear. When I went into another bank they informed me of this, but I needed some way to do it by the next day. So I called Suntrust again and asked if they could raise the limit on my debit card so I could pull the money out of my account. I was put on hold for about 5 minutes, and she basically repeated my question back to me and I had to then explain the same thing again. I was put on hold for another 5 minutes for her to then tell me they could not do it. I asked to be transferred to a supervisor, and I was. I then had to explain my question for the 3rd time, for her to then tell me that I was basically out of luck and there was nothing they could do. How is it possible that there is no solution to getting money out of my account on a one time basis. I confirmed my suspicion with the bank I was at ([redacted]) that it was possible to increase the limit on the debit card withdrawal. I am very disappointed with the customer service I received from Suntrust especially for a customer that has been with them for 8 years.Desired Settlement: I would like an explanation of how it is possible that someone cannot access their own money if they are not in the area served by Suntrust bank.

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: My name is [redacted] at [redacted]. I have a checking account with you ending in [redacted]. A company named [redacted] charged us $66.00 last week which was an unauthorized charge and it cause 3 overdraft fees from SunTrust totaling $106.00 and a lot of stress. I have called customer service twice and no help from you guys at all. [redacted] did refund $[redacted] of the $66.00 today and I am working with them to get the other $25.00 back. I will file a complaint against [redacted] also, however Sun Trust has refused to work with me at all concerning this matter. I love Sun Trust and have been with them for years, I just want my fees back, I understand if I had issues all the time but I DO NOT!!!!!!!!!!!!

I don't keep my account in the negative and SunTrust to help me get my fees back. The two customer services representatives have been rude and unwilling to help. CAN SOMEONE PLEASE HELP ME?????????? I will say normally Sun Trust is very helpful and friendly but not in this case. I JUST WANT MY MONEY BACK PLEASE!!!!!!!!!!!!!!!!

Thanks,

HOME#-[redacted]

CELL#-[redacted]Desired Settlement: I want my 3 bank overdraft fees totaling $106.00 to be refunded to my checking account today 2/19/2014. PLEASE!!!!!!!!!!!!!!!!

Business

Response:

SunTrust has responded to our client today by telephone, but cannot share the details of our response with Revdex.com as no signed authorization was received.

Please close this case on your records.

Review: I had unauthorized charges made on my debit card and filed a dispute with the bank. I was told several times that filing the paperwork was a mere formality and that the outcome was assured, then I received a letter saying the purchases were "buyer's remorse" and it was a civil matter. I loaned my card to a relative to purchase gas and gave her the PIN number, and her partner made several unauthorized purchases (including a video game console and games). I was not present for these purchases, I did not authorize them (I didn't even know about them till I saw the charges online the next day), I never signed for anything and I have never owned a video game console in my life, so I fail to see how it can be labeled "buyer's remorse" when I didn't buy the items in question and do not have them in possession. That is ludicrous. I work in financial processing for a large company, I've worked in banking before, and I know the procedures behind these investigations. The truth of the matter is that most customers would have been credited based on unauthorized transactions, but my income bracket places me as a bottom priority for any company that wants to subsidize refunds to the upper tier by penalizing less fortunate customers, and that is exactly what's happening here. Not only was I stolen from, I'm now being denied the consumer protection the bank advertises. I have never filed any such case with any bank before in my life, and it's unfortunate that SunTrust has proven so dishonest. As soon as I am able I will find another bank. As it is I feel that the fraud department is calling me a liar and a thief.

Product_Or_Service: fraud protectionDesired Settlement: DesiredSettlementID: Refund

I want the courtesy granted other bank customers. I honestly believe SunTrust denied me because I'm lower income than others and they thought they could get away with making me eat these transactions, whereas if I made more money they would have given me the protection they offered when I signed up for an account. I want these transactions refunded back to my account because they were completely unauthorized and I had NOTHING to do with these purchases.

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 submitted the authorization weeks ago. I attempted to follow up by emailing the Revdex.com to let them know that my family member made good on the unauthorized purchases, but I still wish to pursue the complaint because frankly I am appalled that SunTrust would actually call me a liar and a thief. I never received a response.

Regards,

Review: To date, $144, $108, $72, and $72 in so-called “overdraft item fees” have been taken (stolen) from my account, totaling $396 over the past week. The customer service agents are ineffectual and seem to be following a “script” or “algorithm” of justifying any issues related to overdraft fees. The bank seems to be operating with two sets of books with a system designed to generate as many overdrafts for a customer as possible.

I have been using their online message system to communicate with their representatives since the local branch a 30 (thirty) minute drive for me.

At age 70, I live on a fixed income and this money, that the bank has taken without may authorization, is money I need to pay for food and other necessities. The bank is stealing from the small retirement income that I receive. I recently move to [redacted] from [redacted] and every other bank processed my Fidelity direct deposit as I outline below; I never thought a bank such as Suntrust with its reputation would hold direct deposit as their customer service people explained.

This entire scenario with Sunbank began with the bank not crediting my monthly retirement on the last business day when the 1st occurs on a holiday or weekend (which is the how Fidelity has worked for more than ten years in the past); thereby causing a check of $250 to be returned. Last Saturday using the online system, I learned that a $36 “overdraft item fee” posted to my account, immediately I contacted customer service, using this message system, and was told that a $250 check was returned. The online presentation of transactions had no indication of a check coming into my account (the process seems to have happened behind the scenes). I requested, believing the bank could still pay the check, since it had just come in hours before and was not even listed with my transactions; (I requested) that the bank pay the check. I was informed that the bank would not pay the check. I was disappointed since this was an important payment, on Monday, June 2nd I traveled to the closest ATM and withdrew funds to cover the returned check. Thinking the matter was closed and wondering why I accepted an invitation to move my account to Suntrust.

The bank, on Monday evening (the very next posting day after Friday’s postings), posted the same $250 check to my account, which was paid, but I had used the account, paying the check Monday evening triggered many overdrafts or more correctly expressed “outright thefts” of money in my account. As I communicated with Suntrust customer service I became aware of “double bookkeeping” being used to keep track of my account, apparently this is the bank’s scheme to collect excessive overdraft fees from customers; thereby draining their accounts for the benefit of the bank’s profits. Everyone is aware that most banks are making big profits at the expense of everyone including their customers and taxpayers; I had hoped Suntrust was an exception after reading and studying their advertising material.

I did make a formal demand for the bank to return these stolen funds to my account.

In my messages informed the customer representative that I was willing to travel to the branch and make a $250 deposit, once the bank agreed to return the fees – thefts. The customer service agent seemed to not even care about a deposit, but felt compelled to warm me about having an overdrawn account for more than 60 (sixty) days would cause the bank to do a “write-off.” Instead of treating me with some respect, threats were made. Banks used to consider the customer as important. (all of this is documented with the attached)

This entire frustrating process has gone on for one full week today with the bank refusing to correct their mishandling of my account.

I’ve attached all correspondence that I had with the customer service agents to date as documentation.

I hope by filing this complaint with the Revdex.com, resolution can be achieved.Desired Settlement: Return of the money taken from my account.

Business

Response:

Dear [redacted]:

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

Our records show the Direct Deposit was credited to your account on the effective date indicated by the originator. The effective date was June 2,.2014, which was the date it was credited to your account. All direct deposits are credited to accounts on the effective date that is provided by the originator and are reflected in the

available balance for your use. However, deposited funds must be in your account to cover all items presented for payment.

It is important that collected funds be in your account before authorizing debit items. Overdrafts may be prevented by keeping accurate account records, noting all deposits, checks, purchases and electronic transactions and having funds in your account to cover all items presented for payment. For example, the account

balance shown on your ATM receipt, online banking profile or mobile device may not include all outstanding items you issued on the account, such as checks and

other preauthorized debits.

As it was explained to you, when Check [redacted] for $250 was presented for payment on May 30,2014, your account balance was $8.26. Since there were not sufficient funds in the account to pay the item it was returned and your account was assessed a $36.00 returned item fee. This left you with a negative balance of $27.74. The

check was presented again for payment on June 3, 2014.Since there was no stop payment order on the check, and upon presentment it was paid. On this date as

there were not sufficient funds in your account to pay the other Items presented, your account was assessed four $36.00 overdraft fees, totaling $144. As a courtesy, we refunded $72.00 on June 2, and on June 18, 2014 we refunded an additional $72.00.

As a suggestion, you may want to set up Overdraft Protection, whereby a protector account is linked to your transaction account to cover any shortfalls. Detailed information, including any fees, about this service is found on our website [redacted] (see Banking-.Personal Checking-Overdraft Services). You may also monitor your account by using our Online Banking service and receive Email or Mobile Alerts when the balance gets too low or becomes overdrawn. Instructions for signing up for these services are also found on our website and when using our Online Banking service.

It is SunTrust's policy to offer its banking products and services, including credit products, to any qualified applicant In a responsible and non-discriminatory manner, and in compliance with all applicable 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. [redacted], we hope the information provided is helpful to you. If we may be of further assistance, please don't hesitate to call [redacted] ([redacted]) or visit any SunTrust branch. Our representatives will be glad to help you. Thank you for banking with SunTrust.

Sincerely,

Consumer

Response:

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

The amounts that were charged and the duel balance system that the bank operates, one online and one behind the scenes, seems to be designed to generate overdraft fees to benefit the bank. The fees charged are $36 each, even one when the account was overdrawn for seven days.

Review: Suntrust bank closed my personal checking account without any reason or justification notified.Upon receipt of the letter informing my account will be closed I immediately called them to ask why and was told we do not have to give a reason! I asked to speak to a member of the senior management team as apparently they were the ones who had made the decision, I was told after several calls to [redacted] that she was the only point of contact, this I find very disturbing that if you cannot speak to the person who made the decision you cannot find the reason why. I went into my local branch where my family and myself have placed all our trust and investments, 5 checking accounts, mortgage and investments and asked for their help, I spoke to the manager but she could not help.

I worked for a company who had overseas clients who would send money for goods via [redacted], as the company used Suntrust as their own bank it made sense to collect the payment from Suntrust as they participate in [redacted] and pay the money directly into the company's Suntrust business account, this happened on several occasions, the process was the same, I went to Suntrust collected the payment from the client through [redacted] and paid it directly into the company bank account, NOT at anytime did the payment touch my personal account, Suntrust and the company I worked for have all the evidence to prove this.

It would appear that because I, acting on behalf of of the company had used Suntrust to collect the [redacted] payment to pay directly into the company bank account may be the reason for closure! if I had gone to say [redacted] to collect the payment and then paid the money into the company bank account then there would have been no question and my account would have remained open. I asked the local Branch manger to have one of the senior management team call me but to this day I still have not had a response, maybe it's because I am just another number to them and not important - who knows?

So it seems that [redacted] team have decided to close my account based on no facts no evidence of wrong doing and just because they can! this I find is a disgraceful way to treat customers who have banked with them for 12 years without any issue.Desired Settlement: I would like a written apology for closing my account and causing me undue stress because I had to open another account and suffer the embaressment I felt when I went into the Suntrust branch to withdraw money.

Business

Response:

Dear [redacted]:

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

Your accounts with SunTrust is governed by the Rules and Regulations For Deposit Accounts, a copy of which was provided to you at account opening and is available on our website suntrust.com (see About Us- Fee Schedules- Deposit Account Disclosures). Enclosed is page 22 of our Rules which provides that we may at any time in our discretion, close the Account without advance notice to the Depositor. In accordance with these Rules, and as a result of an account review, we made the decision to discontinue our banking relationship.

On June 10, 2014, we sent a letter to you (copy enclosed) to inform you that your accounts will be closed. We then mailed Official Check [redacted] (copy enclosed) to you on July 11, 2014 for the balance in the account, which was $2.93.

While our goal was to provide a prompt response to you, we understand that we did not meet your expectations in this situation. We are always concerned with improving our service, and your feedback is appreciated.

[redacted], we hope the information provided is helpful to you. If you have any other questions, please don't hesitate to call [redacted] ([redacted]) or visit any SunTrust branch. Our representatives will be glad to help you.

Sincerely,

Assistant Vice President

Client Advocacy Team

Consumer

Response:

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

The letter from [redacted] from Suntrust, states " that as a result of an account review, we made the decision to discontinue our relationship" Therefore I would like to know exactly what they had seen in my account which gave them cause for concern and to come to the decision to close my account.

I can assure you that there has been no activity within my account which is anyway suspicious.

Regards,

Business

Response:

Dear [redacted]:

We have received and reviewed your follow-up correspondence forwarded to us from the Revdex.com regarding the closure of the above referenced account. We appreciate the opportunity to respond.

As noted in my prior correspondence to you (copy enclosed), your accounts with SunTrust are governed by the Rules and Regulations for Deposit Accounts, which does not require advance notice or further details regarding the Bank's decision to close an account.

[redacted], while we understand that you do not agree with our position, we are unable to provide any further details regarding the accounts closure. If you have any other questions, please don't hesitate to call [redacted] ([redacted]) or visit any SunTrust branch. Our representatives will be glad to help you.

Sincerely,

Assistant Vice President

Client Advocacy Team

Consumer

Response:

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

As in my previous note, you did not respond to the question as to what you found in my account which caused you to close my account after you had reviewed it, I want to know what you found after review which caused you to close my account.

Regards,

Review: I will like to know if you can help me and my father regarding a wrongful repossesion of a vehicle . My father purchased a vehicle for me a year ago and tuesday they repossed it stating that the vehicle was for me not my father but thing is when we purchased vehicle I submitted documents in where I will be the person discussing the account and making payments from my checking account and at times my sisters account they never mentioned this before until now . The vehicle had a past due payment that we were trying to give but rep refused to take payment and next day car was repo I called my father called and they informed him that he cannot obtain his vehicle back unless he pays off total balance. We dont have the financial assitance to hire a lawyer but this is not correct how do you take money payments and discuss account with daughter but turn around and use that as the excuse vehicle cannot be returned ???? please help today I found out they did the

same thing to another family friend and their daughter .. I ask so parents cannot purchase vehicles for their children no more ???Desired Settlement: let my father obtain vehicle back

Business

Response:

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

Please close this case on your records.