SunTrust Bank

Review: I opened an account online in June. I received a call from a Suntrust rep on July 27th, she also sent me a link to set up my online account. An hour later she called me back and informed me another account had previously been set up in my name. After talking with her she acknowledged she believed the occurrence was due to fraud and transferred me to the fraud department to initiate a fraud report. I was given a case number, the account I opened was closed immediately, and I was instructed to visit a Suntrust branch as soon as I could which I did on June the 5th. I deposited 800 dollars and was assigned a new account number which was linked to the debit card I received in the mail a few days prior. I relocated to Atlanta the following day August 6th, used my card at a restaurant with no problem. 30 minutes later I attempted to use the card again and it would not work. I called the number on the back of card and was instructed to visit a branch. I visited the branch on Peachtree Street. After an hour and a half of waiting and after providing them with all vital information and three forms of ID, I was instructed to visit a branch on Park Place and ask for [redacted], according to her voicemail she is a fraud investigator employed with Suntrust. I left her approximately 20 messages. I was told that she was not located that particular branch once I arrived and another Suntrust rep attempted to help me. They were unable to assist me so I continued to attempt to contact [redacted] at the number I was provided. I have left her between 5-10 messages daily since August 6th and I am yet to receive a call back. I was finally assisted by [redacted] , a Suntrust employee after visiting yet another branch on Aug. 13th that the fraud complaint wording made it seem as though the new account was also opened fraudulently which is the cause for my frozen account. I was told the issue would be resolved by Aug. 14th. It is yet to be resolved and my family is still without moneyDesired Settlement: My account reinstated or my funds be returned as soon as possible. My family and I have been without funds for nearly three weeks due to the incompetence of a Suntrust employee, yet we are being punished.

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 have been a customer with Sun Trust for a couple of months. Last year I made some changes in order to complete graduate school. In August when I opened the account I began working for as a contractor. As a new contractor there was a period of time where I had to ramp up my cases, and was not making money. During that time, things got difficult and my account became over drawn due to automated bill payments that were set up previously. Currently, my account is overdrawn and I want to make my account current, however the fees accessed on my account makes it impossible to payoff right now. I Have enjoyed banking with SunTrust Bank, and I would like to keep this relationship. My account is currently overdrawn by $700, of which $360 is overdrawn fees.Desired Settlement: As a struggling consumer, I would like the courtesy of having NSF fees reversed. I take ownership of the payments of bills being processed, however this would be a great help in order for me to keep my account open. Fees totaling roughly $360.00

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 Ex-Husband's "[redacted]" SunTrust statements and mail keep coming to my address at [redacted]. He does not live here and I don't know where he is. I want the mail to stop coming to my house.Desired Settlement: I want the mail regarding the Account for [redacted] to stop coming to my address at [redacted]. The account number ends in [redacted].

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: This bank charged me a $36 overdraft fee on a transaction of $5.40 on February 11th which still left me with a positive balance of $9.13. On the 12th my direct deposit hit, and there were no more transactions until the 16th. When I asked them to explain, they said that 2 of the transactions from the 16th, for $4.25 and $5.74 were actually pending on the 11th, causing a negative balance of 89 cents. So instead of turning down a $5 transaction and letting me pay in some other way, they chose to let my account go negative 89 cents and charged me a $36 fee. Emails and live chats have not resolved the situation.Desired Settlement: A reversal of the $36 overdraft fee.

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 received a "Combined Tax Statement for 2015 Form 1099-C OMB No. 1545-1424 Cancellation of Debt" from SUNTRUST BANK. Amount of Debt Discharged $1496.15 from a Consumer Credit Card. Date of Identifiable Event noted 11/30/2015. "DEBT FORGIVEN" Decision or Policy to Discontinue Collection.

Previously, I had a Checking Account with SUNTRUST BANK that was closed on 12/24/2009. This is the first time, I'm hearing about an alleged Credit Card debt. ( In addition, I never had a Credit Card with this bank.) I tried to inquire information from SUNTRUST BANK on 2/11/2016 and nothing could be provided in reference to a Credit Card with my name and information.Desired Settlement: This is important tax information that SUNTRUST BANK erroneously reported and furnished to the Internal Revenue Service. This is a serious issue and this need to be Addressed and Corrected. Thank you in advance for your assistance in this matter.

Business

Response:

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

Review: I was a Suntrust Bank Customer and I deposited a Suntrust check for $400 with another bank [redacted] then closed my Suntrust ac as I no longer need. When I checked with [redacted] for the $400 confirmation they mentioned that they did not receive any mobile check deposit request. However, Suntrust bank deducted my money and claimed that the transaction went through but they are not showing the correct evidence that the [redacted] bank withdrew the money. If the Suntrust Bank shows the evidence then I would contact the [redacted] bank for my money. I reported this issue with a manger [redacted] Suntrust Bank located [redacted] Phone:[redacted] and many times followed up but not correct evidence reply from her.Desired Settlement: We just need our money $400 back from Suntrust Bank

Business

Response:

We responded to [redacted] by telephone on July 24, 2014. There was

no letter sent because the client, with the assistance of the Branch Manager on

[redacted], found out that the funds had gone to his [redacted] account. When

making the telephone deposit, he had inadvertently used the incorrect receiving

institution.

If you have any questions, please feel free to contact me at

[redacted]. I will be glad to speak with you. Thank you.

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: I have had this problem before with my bank (suntrust) and frankly I am tired of paying fees my account was overdrafted for 74$ after a $0.19 charge was made I didnt complain I paid the fee then I was charged 67$ for a 8.99$ purchase ok again I called and asked them about the transaction and found out that somehow I had overdraft "protection" on my account I right then told them that I would like to remove all forms of overdraft from my account they said no problem [redacted] now I check my account balance even it there is nothing in my account and this morning there is a -49$ balance im asking myself how is this possible I call the bank and they tell me ok you made a cash deposit of 103$ ok my phone bill was 102.22$ then they tell me and u have a maintenance fee of 7$ which I have never had being that I have direct deposit from my employer then they say oh and there was a charge of 8.99$ the exact same charge I spoke with them about before I said ok how is that possible with no overdraft on the account they tell me that since I authorized the 8.99$ months ago to reoccur they paid it what I dont understand is if I dont have overdraft on my account why are they still allowing transactions to be made authorized or not if there is no money in the account im going to pay the fee once more and I know that by my payday it will be much more but I want other customers to know that just because you decline overdraft they will still overdraft your account and find loop holes to dig deeper in your already empty pockets its ridiculous I trust them with my money and I trust them to protect my money but they just find ways to take my money I will be glad when their thevish ways are stopped because this is unacceptable from a bank or and institution for that matter -[redacted]Desired Settlement: For no overdraft to mean just that NO overdraft some pleople dont like to spend money they dont have

Business

Response:

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

Please close this case on your records.

Consumer

Response:

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

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

Regards,

The bank has refunded all of my overdraft fees as well as the maintenance fee but still has no way of stopping overdrafts which is unbelievable

Review: Suntrust bank will not transfer my IRA to [redacted] Bank. For two weeks They have been stalling telling me I needed to remove a Block on the account which should not have been there. Next telling me they now need a form from [redacted] Bank which was supoposedly forwarded on the 8th but never recieved. They are deliberately keeping me from moving the money to an account paying over six times what they pay.Desired Settlement: get them to transfer the account immediately.

Review: THE BANK WANTS TO SHUT MY ACCT DOWN FOR A $2. DISPUTE AND UNFORTIONATLY I JUST HAD AN ISSUE WITH MY ACCT THAT REQUIRED IT BE SHUT DOWN DUE TO A DISPUTE PREIOUSLY AND I DON’T WANT TO GO THROUGH THAT AGAIN.Desired Settlement: I WOULD LIKE THEM TO DIPUTE THE TWO .99 CENT CHARGES AND KEEP IT MOVING .

Business

Response:

SunTrust has responded to our client but cannot share the

response with the Revdex.com as no signed third party authorization was received.Please close this case on your records.

Consumer

Response:

[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,

Customer contacted Revdex.com and said that this complaint has been resolved.

Review: Shady business practices, illegal action, failing to honor contract , unfair trade practices, breach of data, fraud foreclosure Our and eviction which resulted by loss of my husband life,monetary , physical mental and emotional distress and damages to our credit status.Our loan with Sun Trust is a [redacted] secured with our primary residence and me and my husband is also a primary loan holder.Because of the law that [redacted] and [redacted] alldebt from 2006 to 2012 secured by a primary residence by the primary loan holder is forgiven as long as it is reported.The money I borrowed from Sun Trust was used in operating a restaurant business in 2006 to 2008, and closed my business in June 2009 because Sun Trust Suspended our [redacted] because we are two months behind in our loan which is a combination of fixed and variable rate.At that time I was not aware of the law but after counseling in [redacted] and reviewing my hardship letter the counselor told me that why I am paying something already paid? And I research and found the truth and still I ask my accountant why the bank keep billing me and told me as long as you are paying the will get it. Then I complaint with the credit bureau about our account with Sun Trust and [redacted] investigated my complaint and deleted my account with Sun Trust and closed it in my credit report in Feb. 2011. But in 2012 according to the copies that I got from the probate court after the evicted us for fraud in 2013 that the sold the house without our knowledge and force my bedridden husband out in our own house that we owned and lived for 30 years. The loan has a maturity date and is 2026 in our contract and they should not be worry for the had reported this account to the government like I do reported it also in 2010 Income and reported in 2011 Income Tax Return my accountant attached the [redacted] because after the assessment of my financial condition I am insolvent.Desired Settlement: I want my house back.

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: While refinancing our home loan with Suntrust, my husband and I opened a joint checking account with a $[redacted] cash incentive.I went into the bank to open this and several other linked accounts The process took almost 2 hours, which seemed unnecessary but I never complained.I was told we had an acct type which included the following benefits: 1) an additional checking acct at no cost 2)monthly identity theft protection for free for either me or my husband {the person who opened these accts proclaimed herself to be my "pe[redacted]" and was going to call me back in a week to find out for which of us to set up this service} 3)a starter set of 30 checks for free for the main checking acct.None of these benefits have been put in place correctly.About 6 weeks after opening the accts,I still had not received the checks in the mail,so I called Suntrust.I had also been charged a monthly fee for my supposedly "free" checking acct.After about 30 minutes on the phone, it was verified that my check order had never been sent and they could not resolve these problems over the phone. So I had to plan childcare arrangements for my 2 older children and take my newborn into the bank to resolve this in person.They sent in the order for my checks, and then refunded the fee for my checking acct.All seemed to be resolved, and she promised to call me within 10 days to make sure I got the checks. She was also supposed to call me to plan/set up regular transfers between my checking/savings accts.She has never called me to discuss or ask anything.After several months of continuing to be charged fees for my secondary checking acct, I went into a different branch on 9/13 to close all the accounts.I told the [redacted] my problems and she stalled, didn't attempt to solve any of the problems.She said she needed to call and "make sure" my home loan rate wouldn't be affected if I closed the accts.After she was "on hold" for 20 mins, I mentioned the Revdex.com and she then asked about our $[redacted] credit. She clearly didn't listenDesired Settlement: I want a complete refund for all the monthly fees I have been charged. I would also like a guarantee that either I will receive all the benefits I was promised (b/c those benefits were the only reason I was going to switch over to Suntrust for personal banking) or I would like a promise that I can close the accounts quickly with no gimmicks or stalling. I have 3 young kids and I don't have time to waste!

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 bank with Suntrust bank and noticed some fraudulent charges on my bank statement. I brought them to Suntrusts attention on 7-27-13. The information was sent to the fraud department. After a few follow up phone calls I was told by one representative that he really couldn't get me much information because all of the investigators were "off shore". I called back again and was told that my claim was being denied and I could submit a rebuttal letter which I promptly did. After the letter was submitted I didn't receive any follow up. I called back again want was told it was still under investigation and they were waiting for a response from the banks that initiated the charges. Again, no follow up information, no email, no phone call. I have been giving them time to do what they need to do but we are now at 11-4-13 and still never have received a single phone call that I didn't initiate from anyone at Suntrust to let me know what is going on with my claim. I am currently out in the neighborhood of $2500. All I am looking for is for them to do a thorough job investigating and keeping me informed of what is going on. I find it hard to believe that [redacted] was able to pull a name and address for the account that was using my account information for billing but my bank can't seem to get anything accomplished. Most if not all of the withdrawals were for utilities or services with names and addresses tied to them. I think it should be a pretty cut and dry investigation. If this is the quality of Suntrust's "investigations" I think I as well as everyone else should take their money elsewhere.Desired Settlement: Have my money credited back and let Suntrust deal with the banks that didn't do their homework with ID when they initiated the withdrawals.

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 an account with this bank. They closed my account without notifying me of any problem. At the time they committed this criminal act I had about 2300 dollars inside. This is a problem because that's all the money I have and there was a check for rent still pending. They keep telling me they can't discuss it with me because its confidential. If they want to close my account fine. But that money is matter of extreme importance. They will send me check in 30 to 60 days. In 30 to 60 days my lights will be out and I will be evicted. Also my car will probably be repossessed. There must be justice for holding on to someone's hard earned money with out notifying them of any wrong doing and telling them they cant get it for up to two months. I will not stop until justice is served. This is only a beginning.. I am the son of a former politician and my hand can reach much further than they think. Sense they will not allow me to speak with anyone who could negotiate or reason with me. I have no choice. Im all in. They closed my account but they accepted a deposit of 1700 from my employer... Criminal Act indeed. There is no liason available which is also very unprofessional. This bank is a disgrace. Thank YouDesired Settlement: I want the money I worked for available to me asap. I want to be able to go to my local branch and get the money that's owed to me. There are stories online of people not getting their money ever, that will not be me. Im just getting started.

Business

Response:

SunTrust responded to our client via telephone on March 18, 2014 and the matter has been resolved. The march 7, 2014 Direct Deposit of $[redacted] was returned to the issuer on March 12, 2014. [redacted] received the remaining balance in his account ([redacted]) on March 22, 2014.
Please close this case on your records.

Review: Suntrust froze my card because they said they suspected possible fraud. I had used my card on a computer I use daily, to purchase tickets in the city in which I live. I make online purchases at least once per day. This in and of itself would just be annoying, but I get that they're trying to protect their customers. The issue came when they could not and would not reactivate my card. I called twice last night (it was turned off at around 11:30 pm, not only meaning I was calling outside of business hours and so it took over 20 mins of pressing options on the automated system to get to someone I could talk to, but also meant that when I tried to pay for the taxi I was in, I couldn't do so and there were very few options for me, that late at night). Upon reaching a human being, I was told their system was down for maintenance and to call back in 30 mins because it should have been back up already. When I called back an hour later, they said it was still down and there was nothing they could do for me. Thank god I didn't have anything else I needed to pay for last night. When I called this morning, the rep did reactivate my card, however she proceeded to tell me that they had tried to call me twice and hadn't been able to reach me. It was 'noted on my account'. No one had called me. I have one phone, my cell phone, and it is with me at all times. I can see any missed calls, but I never have them - I am on call for work whenever I'm out of the building, and my phone literally never leaves my side. No one called me. To turn off someone's card without contacting them, leaving them stranded without access to THEIR money, during a time when your reps cannot even help them to fix the issue, and then LIE and note that you called? That is ridiculous. No one called me. And all the poor girl on the phone can do is apologize, because it wasn't her screw-up, and I have no way of talking to the people whose mistake it was. This is the second time Suntrust has done this to me. The first time, I was standing in a restaurant, trying to pay the bill for a meal I had just eaten, when all of a sudden my card wouldn't work. To my embarrassment, my boss had to pay for my lunch. When I called that time, they said that my card number might have been obtained via a security breach with [redacted], and so not only was my card frozen, but I would have to wait for a new one in the mail, which didn't arrive until 4 days later. Again, the issue isn't the security - I appreciate them not giving my money away to random people that aren't me. But they did not call me. They claimed they did, but no one called me. No one sent me an email. Nothing. And I was left in a compromising position, having to get other people to pay for services I had used despite the fact that I had plenty of money in my possession to pay - I just couldn't access it. When I asked the customer service girl what I could do to avoid this happening again, she could only verify that they have the correct phone number on file, and then told me that any time I purchase something 'out of the ordinary', I should call them, because apparently I have limitless time to call my bank. Besides, this particular purchase wasn't out of the ordinary - it was an online purchase for an event in the city in which I live. Probably a good half of my purchases are done online. This should not have raised any flags high enough for them to be freezing my card at a time when they couldn't even reactivate it for me...Desired Settlement: I honestly want more than an apology. I want an assurance that this will not happen again. I want some sort of flag on my account that they are absolutely not to turn off my card. I check my transactions online at least 3 or 4 times a day. My card is always in my possession. Any time it has been lost, I have called immediately to freeze it. If there is ever a transaction that isn't mine, I will call. I don't want their "protection" because obviously they can't be bothered to consider how they are affecting other people with their actions, and I cannot constantly be worried that my money is not going to be available to me just because they get overzealous with the account freezing... I need an assurance this will not happen again, or I will be finding a bank that can at least actually call me when there's an issue, instead of just lying about it...

Business

Response:

We responded to [redacted] by letter on August 11, 2014. If

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

Sincerely,

Review: On August 19 I deposited $320.00 cash into an ATM at a local Branch of SunTrust. The next the day I checked my account and I received $216.00 in overdraft fees, which in turn fed itself into another $144.00 in overdraft fees, and then another set of overdraft fees of $72.00. Total damages accounted too $432.00.

We have been with SunTrust for 2 years roughly now, and aside from normal issues on our part I have had a pleasant experience. This however was an atrocious act to collect money from the many in a highly unethical act, that is to say discrimination of my cash deposit as compared to transactions fees, which if processed when deposited would have resulted in $0.00 in fees. I'm sure this is a common story but i'll say it anyways, I am a father of 2 struggling to make everything fit together, I put my Trust ( as SunTrust's name implies ) in my bank and it's system and employees to handle my money with care for me, and it seems that it has caused me further damage then I could have ever done to myself if I stuck to a cash diet.Desired Settlement: I am asking for a full refund of the $432.00 in overdraft fees, nothing else.

I would like to continue banking with SunTrust, however, if SunTrust would rather me take my business elsewhere after this situation has been resolved then I can understand that desire and I will follow their wishes.

Business

Response:

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

Please close this case on your records.

Review: This bank ahs overcharged and overcharged rediulous amounts overdraft=ft and returned items fees amounting to $600 over the last month

Its abusive .

I will close this account soonestDesired Settlement: reverse a lot of the overdraft fees

Business

Response:

Dear Mr. [redacted]:

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

When you opened your account using our Online Service you accepted our Rules and Regualtions for Deposit Accounts which governs your account. Checks and other debits and the posting order of those items are discussed on pages 16 and 17, Debit Card/ATM Authorized Transaction Holds is discussed on pages 17 and 18 and Non-Sufficient funds is discussed on page 20 (copies enclosed).

Our records show you incurred overdraft fees totaling $180 and returned item fees totaling $288 for items being presented for payment against insufficient balances from August 21 through September 18, 2014. The $180 in overdraft fees that were assessed on August 25, and September 3, 2014 were for debit card transactions that had been authorized on August 21, 31, and September 1, 2014. The $288 in returned item fees were assessed on August 21, 2014, and September 4, 9, 16, and 19, 2014 were for Automated Clearing House (ACH) debit card transactions and checks that were authorized but for which these were not sufficient balances in the account when presented (copy of statement enclosed).

Concerning debit card transactions, once a debit card transaction is authorized, a hold is placed on the client's account reducing the available balance. Funds on hold for pending debit card debits cannot be used for other purposes even though the transaction has not posted against the account.

Generally, it can take between two to five business days for debit card transactions to be presented for payment and permanently post to the account. For this reason, clients must maintain accurate account records noting all authorized debit transactions, including pending and credits to determine their available balances.

You stated that you had overdraft protection, we do not show overdraft protection, but on September 24, 2014 you declined overdraft coverage. Overdraft Coverage allows SunTrust to decide whether to pay ATM and everyday debit card transactions when the available balance is not sufficient to cover the transaction. Unless you specifically request Overdraft Coverage, we will not be allowed to pay overdrafts and assess fees for those two types of transactions. Please note out ability to authorize overdrafts and assess fees on any other type of transaction is not affected by this coverage.

We have reviewed your account and determined that all fees were appropriately assessed. As a courtesy, we refunded the extended overdraft fee in the amount of $36.00 on October 6, 2014 and $108 in returned items fees on October 9, 20214. While you have received courtesy refunds in the past, the overdraft and other returned item fees you incurred will remain.

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 them in selecting the products or services that meet their needs. To that end, we scrutinize our disclosure to ensure that they are clean and understandable; verify that information provided to our clients is complete 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], currently, your balance is $115.10. If you would like to close the account, please visit your local SunTrust office or call us at [redacted]. In preparation for closing your account, you should begin immediately to make other arrangements for any automated credits to, or debits from, your account. A representative will be glad to assist you with the closing.

Sincerely,

Consumer

Response:

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

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

they use re sequencing of transaction , specially on weekends as means of reaping vast revenues.

A bank manager told em last week that even though I closed the account (last week) that any transation would automatically reopen teh account. I have edited all account to not use suntrust again and after a direct deposit that will happen next week I will make sure the account is closed permanently.

I did have overdraft unitl only 10 days ago , if the rep looked , which I closed as the overdraft protection gave more fees than letting an overdraft caused. Instead of one hit I would get 3 hits

.

A quick gogle search wil show that there are many who have had outrages overdraft fees and that they manipulate transaction sequences to ro their client. I have filed with the FTC about thier thievery. I wish this comment stay one the record and not eb deleted as satisfied.

After some automaic deposits occur this month I

Regards,

Review: I used my debit card on 9/17/14 at a local store I frequently visit, and the first time I swiped my card, I was told it didn't go through, so I swiped a second time and it did go through, unknowingly charging me twice. I was well aware of my balance because the way my bank account is set up, I had just transferred money from my savings to my checking in order to make the purchase. Later that night, I checked my balance online and saw that I had been charged an overdraft fee of $36.00, giving me a balance of -$36.94, so I just thought, "No problem, they'll fix it tomorrow". However, when I arrived at the SunTrust Bank branch, I received very little assistance other than being given a number to call. When I called the number, they also offered very little assistance as well as a new balance of -$108.94, which means I was charged multiple overdraft fees and I hadn't even used my debit card since that purchase. I'm just wondering if this is ethical or even legal? As a family man with a wife and two kids, I simply cannot afford to be charged a third of my paycheck to pay for a mistake that wasn't even mines.Desired Settlement: I would like to have the negative balance removed and be refunded my $11.05 which was charged to me twice. I would also like to close my account with SunTrust at no charge. They normally charge a fee if you close your account with them before 6 months, however, after this experience, I can no longer do business with SunTrust and I feel as though they should not charge me a fee for that.

Business

Response:

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

Please close this case on your records.

Review: ISSUE #1 - After paying over $1500 in June 2014, I was under the impression my car payment was paid up for 2 months. During that time I was NEVER CONTACTED by Suntrust, no phone call, no past due bill. Recently my vehicle was repossessed, in spite of the fact I made a payment 2 days prior to the repo. I HAD NO IDEA MY ACCT WAS IN DEFAULT, DUE TO NOT BEING CONTACTED BY SUNTRUST. I had just been discharged from the hospital and was downtown running errands. Once I noticed my vehicle was repossessed and not stolen I immediately called Suntrust. The representative was not helpful, would not let me speak to a supervisor to explain my pre-paid payment, and my last payment two days prior to the repo. After the phone call to Suntrust I went into the downtown branch and the banker told me their were no notes that Suntrust tried to contact me to notify me that I was in default.

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ISSUE #2 - In spite of my payments and failure to be contacted by Suntrust to get my vehicle back I had to make an unexpected additional payment of $700 in principal, $500 bank fee, storage etc... HAD TO PAY $2500 on top of what I paid due to Suntrust negligence.

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ISSUE #3 - I was not able to get my vehicle back the same day, a vehicle I had no idea was even in default. I WAS FORCED TO RENT A CAR, on top of the $2500 I had to come up with. My vehicle was towed to another city, [redacted] and wouldn't be processed/ released till following day. Once I was able to get my vehicle back, it was making a loud engine noise and I had to take it to the dealer for service which required a purchase of a new battery.

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ISSUE #4 - Concerned that this false late payment/ repo maybe reported to the credit bureaus. I SHOULD NOT BE PENALIZEDDesired Settlement: I would like a refund of all the extra fees I had to pay to get my vehicle returned, including the extra principal payment, bank fee, storage fee. I want to be reassured this will not happen in the future, I should be notified if my account is even 30 days late. If any negative information was reported to the credit bureaus, I want to make sure it is removed/ corrected.

Business

Response:

Dear [redacted],

We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding the repossession of your vehicle, We appreciate the opportunity to respond.

Our records reflect that on May 30, 2013 you signed the Retail Installment Sale Contract Simple Finance Charge contract for the above referenced loan showing that your payment of $719.56 is due on the 14th of each month (copy enclosed). We are not required to make reminder calls regarding payments, On June 19,2014 you were sent notification regarding the status of your account (copy enclosed).

Your payment of $1,525 that was received on June 20, 2014 was applied to your May and June payments and brought your account current, as you were paying a month behind. We did not receive payments for the months of July and August 2014. On September 5, 2014 the vehicle was assigned out for repossession as the account was 52 days past due. A payment of $725 was processed on September 8, 2014, which reduced the number of days past due to 26. However, this was not enough to stop the repossession efforts. The vehicle was repossessed on September 10, 2014, at which time you were asked to pay $2,589.36 in order to redeem the vehicle. This amount represented $634.80 for your August payment, $719.56 for your September payment, a $535 repossession fee and a $700 principal reduction. The payment was received on September 10, 2014 and the release was sent to the vendor.

Based on the above information, the reporting of the account is accurate. If you feel you made payments that were not credited to your account, upon receipt of copies of your cancelled checks, we will be glad ts research those payments for you. Your request can be sent to SunTrust Bank, [redacted], We respectfully decline your request for payment to you for a new battery or for renting a car.

[redacted]we hope the information provided is helpful to you. If you need further assistance, please don't hesitate to call [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.

Hello,

Review: Recently involved inA Mystery Shopper scam that I was not aware. I have been w/Suntrust for the past 25years before they were even called by this name. As soon as I was aware of the matter went into the Bank on11/08/14 & spoke to Branch Manager [redacted] & He was not too familiar. Then I called the Fraud Dept @ Suntrust to report and spoke w/ [redacted]. She assured Me that they would assist in every way possible. Instead they still charged Me w/ Unsurmountable fees even though I reported that I believe it was a scam. Then they did not advise Me of the fact that My account was shut down the minute I got off the phone w/ the fraud dept. This was very embarrassing because after the conversation went to [redacted] and transaction was denied. They bounced a check to My Church even though the funds were there. Very disappointed that this was done to me while trying to make some extra money for Christmas. However, they made Me feel like dirt did not protect me nor valued my business for a quarter of a century. If A company is going to shut down accounts /stop checks and hold money a customer should be notified. After investigating on the web concerning scams notified bank left the money received in my savings so they wouldn't think I was trying to get over. Money was quickly transferred yet they are still holding on to my finds. Scared and dissatisfied they they would treat me like I was a thieft! The fees were a hardship & Suntrust should not pray on people who have already been victimized by charging a whole bunch of fees when patrons take the time to communicate a problem or issue. Still have not released my funds.

Business

Response:

We responded to [redacted] by letter on December 2, 2014. Ifyou have any questions about our response, please contact [redacted].

Review: In the beginning of the year I was a victim of identity theft. So after this incident occurred, the company decided to administer a block on my newly issued bank card. If it's used outside of the Southeast region, all charges are automatically denied. The problem with this is I'm a flight attendant and travel all over the U.S. When the block first occurred, I informed the customer service rep that I DID NOT WANT THE BLOCK. She told me it's for my protection and basically I had to accept it. I was told that whenever I travel to call SunTrust every 30 days and inform them of the states I would be visiting and that would allow me to make purchases. Once again I felt this was a ridiculous request considering my occupation. On 12/15/14 while in California, my card was declined at a clothing store. I called the fraud department at SunTrust and explained to [redacted] (customer service supervisor)the situation of having my card blocked and requested to have the block removed. I questioned her whether this was a legal action despite my decline of "preventive fraud" and the inconvenience of having my card blocked while shopping put on me. She insured me the block would be removed and a travel update for all 50 states would be entered into the system. After I spoke with her I received text messages from SunTrust trying to verify if I was attempting to make purchases at particular stores. Three hours later I attempted to pay for my dinner, only to have my card declined again! Once again I called SunTrust and requested to have the block removed. Another supervisor; [redacted] informed me that I didn't have the authority to deny the block from my own account. I let her know that I would be continuing to travel around the country and did not want to encounter another block on my account. The block was removed but I'm not sure of what future problems I may encounter when trying to spend my money from my bank account. In essence, SunTrust has taken it upon themselves to dictate when, where and how I spend my funds.Desired Settlement: DesiredSettlementID: Other (requires explanation)

First, I want the block permanently removed from my account so I can spend my money at my own leisure. Second, I want some written proof that blocking a person's account without and against their authorization is legal. And last, I feel that [redacted] should face disciplinary charges(including termination) for not providing the customer service she promised to. Because of her lack of doing her job, I experienced having my card declined twice in one

Consumer

Response:

Business

Response:

Re: SunTrust Debit Cards ending in [redacted] and [redacted] Revdex.com (Revdex.com) Case [redacted] Dear Ms. [redacted]: We have received and reviewed your correspondence forwarded to us by the Revdex.com regarding security holds placed qn the above referenced cards. We appreciate the opportunity to respond. You indicated that, as a flight attendant, your occupation demands travel to all parts of the UnIted States, We certainly understand that security blocks on the cards issued for your use to access funds in your SunTrust accounts can be frustrating and cause you concern. You have requested that we permanently remove any blocks on your cards. SunTrust recommends, but does not require, that clients notify us In advance of domestic travel. The purpose of this recommendation is to minimize the possibility that a client's transactions will be flagged as potentially fraudulent because of a change in the geographic transaction pattern for that client. It is common practice in our industry to monitor card-based transactions for potential fraudulent activity. In some instances, a change in the geographic pattern of a client's transactions can be an indicator of fraud and can result in a hold being placed on the card. When we are made aware of a client's travel plans, we can take that information Into account when interpreting What otherwise may appear to be out-of·the-ordlnary transactions for purposes of fraud monitoring. Our records reflect that a notice has been placed on your account stating you frequently travel the 50 states for work. While this notice is in effect for debit card usage In different locations, the system also notes spending patterns, and we cannot· guarantee that a security block will never be placed on your cards. [redacted] January 2, 2015 Page 2 To further protect against the inconvenience of unexpected security holds, SunTrust has recently provided clients the opportunity to receive fraud alert texts 24 hours a day in conformity with the Telephone Consumer Protection Act. You may sign up for these fraud alerts the next time you sIgn on to your Online Banking Account. The texts can alert you to suspected fraud on your account or debit card and will provide a telephone number to call to release any security hold if the transaction was not fraudulent. We regret that you feel you did not receive the excellent service that you expect and deserve when you contacted us regarding the security hold placed on your account. We show the account was unblocked as you requested; however, the next transaction resulted in a new block being placed. Your feedback is important to us, and your comments about this matter were forwarded to the appropriate management areas, Ms. [redacted], you are a valued client, and we hope this information is helpful to you. If you have any additional questions or concerns, please do not hesitate to contact us via your Online Banking Profile, call us at 800, SUNTRUST (800.786.8787) or Visit any SunTrust branch. A representative will be glad to assist you. Thank you for banking With SunTrust. Sincerely, [redacted] Officer Client Advocacy Team