SunTrust Bank

Review: Goal: Obtain a cash-out mortgage against an investment property.Mid to end of April 2015, contacted [redacted] at Sun Trust in Fuquay to file an application. Loan will be just under $100K. Credit score 800+. 30 year fixed at 4.125% is offer from Jerry. Application was filed. A good faith estimate was provided. On the good faith estimate, the rate was increased to 4.375%. I told him this was unacceptable. No response for a few days until I spoke of an offer I had from another local bank. In his short response, he said he would fix it. I then received a 60 day rate lock at 4.125%. Surely this loan will close prior to the 60 day lock expiration. In the meantime, documents are requested by the bank and I provide them within 24 hours. After everything has been submitted I ask about a closing date. He can't even give me an estimate. Very difficult to receive timely responses. I called the branch manager, [redacted], and explained my frustration. The manager called the mortgage division in Richmond and was unable to locate a loan within their system. It is now July 18th, 2015, the day after the 60 day lock expires. I receive a response from Jerry stating the rate has gone to 4.375%. This a bait and switch/deceptive business trade. I have paid for title services and the appraisal through the bank already. Also have a lower credit score due to inquires by the bank. I would not mind the credit score/money if the original terms were met in a timely fashion. This bank cannot be trusted.

Product_Or_Service: Mortgage origination

Account_Number[redacted]Desired Settlement: DesiredSettlementID: Refund

Refund of monies paid for title services and appraisal fee. Restitution for lower credit score resulting in higher rates. This loan officer was intentionally delaying the process to charge a higher interest rate.

Business

Response:

Dear [redacted]We have received your correspondence regarding the above

referenced case. However, you did not included a signed authorization form from

[redacted]. Therefore, we are unable to provide you with a copy of our response

to [redacted] dated July 30, 2015. Upon receipt of the signed authorization form,

we will gladly share a copy of our response with your office.[redacted], if you have any questions regarding this letter,

you may contact our Mortgage Escalations Resolution Team at [redacted], Monday

through Friday from 8am to 6pm ET.Sincerely [redacted]

Review: I have banked with Suntrust Bank for 5 years. And I have never encountered so many overdraft fees. in the past 2 years I have gotten over $1000 in overdraft fees. When I look at my online banking before making a purchase I have available funds to make my purchases. However, they don't pay the item based on when I made the purchase they pay the largest item first and then the smaller items causing them to collect more in overdraft fees. Since Jan I have $612+ in OD fees that they refuse refund anything. This is crazy, and unfair. I am a single who just made my first home purchase and I have been trying to keep my finances in order but this is not working. Im sure im not the only person this is happening to but I need my money back, this is unjust and inhumaDesired Settlement: I would like for Suntrust to refund all of my money for this years overdraft due to their unjust policy of paying the larger items first to collect OD Fee of $36 for each smaller item the total sum I am requesting is $612

Business

Response:

Dear Ms. [redacted]:We have received and reviewed your

correspondence forwarded to us from the Revdex.comregarding overdraft fees assessed on

your above referenced account. I appreciate theopportunity to respond.Our records indicate your account has

become overdrawn numerous times sinceJanuary 2015 ([redacted]). Based on our review,fees assessed to your account are

accurate according to our Fee Schedule providedat account opening (copy [redacted]). As a

courtesy, on July 27, 2015, I have refunded$396 in fees that will be reflected on

your next statement.Regarding our posting order, detailed

information can be found on pages 16 and 17([redacted]) under Checks and Debits in

our Rules and Regulations For DepositAccounts and on our website

suntrust.com (see About Us--+Fee Schedules--+DepositAccount Disclosures), you agree that we

may credit items to and debit items from yourAccount by either posting such items

from largest to smallest dollar amount or byusing any other methods and order of

posting which we choose in our sole, unilateralabsolute discretion. Items are posted

from largest to smallest during processing on thesame day.Concerning debit card transactions, once

a debit transaction is authorized, a hold isplaced on the client's account reducing

the available balance. Funds on hold forpending debit card transactions cannot

be used for other purposes even though thetransaction has not posted against the account.Generally, it can take between two to

five business days for debit card transactions tobe presented for payment and permanently

post to the account. For this reason,clients must maintain accurate account

records noting all authorized debittransactions, including pending and

credits to determine their available balances. Detailed information concerning

this matter 1s included on pages 17 and 18 of ourRules and Regulations

for Deposit Acoounts ([redacted]}

and on our website.Ms. [redacted], we hope the information

provided is helpful to you. If you have anyquestions or ooncerns regarding your

account, please do not hesitate to contact us viayour Online Banking Profile, call us at

800.SUNTRUST (800.786.8787) or visit anySunTrust branch. Our representatives

will be glad to help you. Thank you for bankingwith SunTrust.

Review: The bank charged me 3 overdraft fees on 1 item. When I called for an explanation in 07/07/15 I was told that the bank will charge overdraft fees on the transaction when it first hits the account (mine was on 06/30/15 and I have no issue paying that fee) as a pending transaction and again when the transaction processes (this was on 07/02/15). I also complained that my direct deposits which show a date of deposit from the State of MD on 07/07/15 but Suntrust did not process me deposit until 07/08/15 and then charged me another extended overdraft fee on 07/07/15. When I spoke with the representative on 07/07/15 she acknowledged that she could see the deposit on 07/07/15 but it would not be processed until 07/08/15. I believe that this practice is unethical and something has to be done. How can you charge fees on an item that was pending and not posted that you have not paid? How can you then charge again when it processes? The third charge just seems malicious to me. The rep and I did not have a great conversation and I think that fee may have been added in spite. However overall I was charged $110.0 in fees for a $23.00 transaction and in all my years of banking I have never heard of such a practice with overdraft fees. I am currently out of work and this is my source of income they are taking from and I need help, please help me.Desired Settlement: I would like the two overdraft fees from 07/02/15 and 07/07/15 refunded. I have no issue with paying the fee on 06/29/15.

Business

Response:

Dear Ms. [redacted]:We have received and reviewed your correspondence forwarded to us from the Revdex.comregarding overdraft fees assessed to your above referenced account. I appreciate theopportunity to respond.Our records show that, on June 30, 2015; your account had a balance of $86.32. Apending item in the amount of $23.00 payable to [redacted] reduced thebalance to $63.32. During processing, three debit card items were presented for payment.Purchases from [redacted] for $26.13 and [redacted] for $25.67 were paid, reducing youravailable balance to $11.52. The purchase from [redacted] for $14.06 was paid with aninsufficient balance, and a $36.00 overdraft fee was assessed. Your end-of-day balancewas negative $38.54.On July 2, 2015, the beginning balance was negative $15.54. The previously pending itempayable to [redacted] tor $23.00 was presented and paid against aninsufficient balance, with a $36.00 overdraft fee assessed. The end-of-day balancebecame negative $74.54. In addition, on July 7, 2015, an extended overdraft fee of $36.00was assessed since the account remained in a negative status for five consecutivebusiness days. A Direct Deposit on July 8, 2015 brought the account to a positive balance(statement copy [redacted]).Based on this information and that items were presented for payment against insufficientbalances, we have determined that the assessed fees are valid. However, as a courtesy,on July 22, 2015, we refunded $108 in overdraft charges that will be reflected on yournext statementIn response to your claim that SunTrust bank holds your Direct Deposit, our recordsindicate that the Direct Deposit in the amount of $167.25 from the State of Maryland hadan effective date of July 8, 2015 This date is determined by the sender, and SunTrustcannot make the funds available to you until the effective date as instructed by thesender. If you have any questions about your Direct Deposit, please contact that agencyfor additional information.Concerning debit card transactions, once a debit transaction is authorized 1 a hold isplaced on the client's account reducing the available balance. Funds on hold for pendingdebit card transactions cannot be used for other purposes even though the transactionhas not posted against the account.Generally, it can take between two to five business days for debit card transactions to bepresented for payment and permanently post to the account. For this reason, clients mustmaintain accurate account records noting all authorized debit transactions, includingpending and credits to determine their available balances. Detailed informationconcerning this matter is included on pages 17 and 18 of our Rules and Regulations ForDeposit Accounts ([redacted]) and on our website suntrust.com (see About Us-+FeeSchedules-+Deposit Account Disclosures).We want to be sure that you are aware of our website, which contains helpful informationon how to manage your account and avoid fees (see Banking-+ PersonalChecking-+Account Features-+Overdraft Services-+Facts About Banking).As a suggestion, you may want to set up Overdraft Protection, whereby a protectoraccount is linked to your transaction account to cover any shortfalls. Detailed information,including any fees, about this service is found on our website. You may also monttor youraccount by using our Online Banki.ng service and receive Email or Mobile Alerts when thebalance gets too low or becomes overdrawn. Instructions for signing up for these servicesare also found on our website and when using our Online Banking service.Ms. [redacted], we hope the Information provided is helpful to you. If we may be of furtherassistance, please do not hesitate to contact us via your Online Banking Profile, call[redacted] or visit any SunTrust branch. Our representatives will beglad to help you. Thank you for banking with SunTrust.

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: I OPENED AN ACCT. 7/30 AT [redacted],FL. OPENED IT WITH CASH AND ON 7/5 BOSS DEPOSITED PAYCHECK FROM LOCATION IN [redacted]. TOLD 8/7 THAT CHECK CAME BACK FROM [redacted] ACCT CLOSED, WENT TO BRANCH IN PERSON AND TOLD TO GO HOME THEY WOULD CALL ME, NO CALL. MY BOSS, [redacted], GOT COPY OF [redacted] THAT SHOWED IT PAID AND NOT CLOSED, SUNTRUST THEN TOLD ME I MUST BE DOING SOMETHING FRAUDULENT AND ASST MGR,IN [redacted] TOLD ME SHE WAS CLSONG MY ACCT AND THEY WOULD MAIL ME LETTER AND MAIL ME ANY MONEY IF IT WAS ANY LEFT. SHE WOULD NEVER TELL ME WHAT THE REAL PROBLEM WAS. I THEN CALLED 1800 # AND THAT LADY SAID SHE COULD NOT TALK TO ME AND GO TO BANK IN PERSON WITH ID. I THEN CALLED BACK [redacted] BRANCH AND TALKED TO [redacted] AND SHE SAID THE BACK ROOM? WOULD RELEASE SOME FUNDS. THEY DID RELEASE $200 AND I WENT TO ATM AND GOT IT, THEN THEY PUT ANOTHER $300 IN THER AND THEN ANOTHER$100? THEN THEY CREDITED MY BOSSES ACCT THE SAME TIME AT [redacted] FOR $300. HE WAS DUMBFOUNDED AND SO WAS [redacted]. THE PROBLEM IS HOW IS IT LEGAL FOR SOMEONE TO TELL ME "I" AM DOING SOMETHING FRAUDULENT IF IT IS THEIR MISTAKE? I WAS TREATED WITH UNBELIEVABLE RUDENESS PLUS STILL HAVE GOTTEN NO EXPLANATION AND NOW HAVE A [redacted] 500 IN ACCT. WHAT GIVES THEM THE RIGHT TO TALK TO SOMEONE LIKE THIS? I HAVE SEEN SO MANY COMPLAINTS ON THIS BANK THAT I WANT SOMETHING DONE. I HAVE SPENT ALL DAY WITH THIS AND SO HAS MY BOSS! IT IS JUST DISGUSTING! I WANT THIS RESOLVED, AND THE HEAD OF THE BANKING SYSTEMS NEEDS TO PIT A STOP TO THIS BANKS RUDE AND UNJUST PRACTICES.Desired Settlement: I COMPLETE APOLOGY AND FOR THE BANK TO CHANGE THEIR PRACTICES!I HAVE FILED SO OTHERS DO NOT HAVE THIS PROBLEM.

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: 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: I open an account and deposit 50 in checking and fifth in savings. Did a mobile deposit of a bonus payroll check and now my account is on hold for closer be cause of what they said was due to SunTrust rules and regulations..no one can tell me why my money is held when will I get my money or anything. I've behind on rent due to this matter. The amount I have in the account is rent money and u really need my funds...I've worked too hard for then to hold my money and not give a reason on why its beening doneDesired Settlement: I want my hard earned money

Business

Response:

Re: [redacted] 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: When I open up this account not one time to explain to me what the overdraft protection and the other protection it comes with that will take up my whole entire buns and leave me with a -0 balance . not one time did I even sent a letter that email or a courtesy call to let me know about my account most counts most bank that I have had and still have that you to give you a courtesy call or they send you a letter in advance before they do any type of transaction . Transaction that knowing that there is no money in that account at all whatsoever and still try to withdraw money out of that account and put it to a different account . Miss to me that feels like there's stealing your own money for something that it should've been taken care of in a correct manner . No I have no way to pay my bills and all they could say feel sorry for youDesired Settlement: To put back my phones at it to go to me account so I can be able to pay and provide for my family

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 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: 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: 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: 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: This branch has lied to me and the feds. They have COMPLETELY messsed up my 1099. I cannot file my taxes and they refuse to reconcile it. They claim it can be reconciled in 3 hours. Not with a checking, savings and IRA accts that were closed. They hav to pull the records and redo ALL the math starting from day 1. They refuse. They claim I signed a form I never did. I asked them to produce it. They cannot. Yet they base my 1099R on it. Now I may have to get hold of the feds and fill them in on the lies they have been told as well as what happened. SunTrust does NOT have an IRA dept. IRAs are handled by each branch. Each branch then is not sure if it is right so they double check it with the back office and they further complicate things. This leads to them misrepresenting the facts although they claim they do not. Now I have a huge tax burden to the IRS. They have NO IRA dept and NO TAX dept. They double up as branch mgr/IRA person but have no formal training. Same goes for the asst mgr, tellers, etc. None have formal training but yet double up as if they do have IRA training and Atlanta GA lets them get away with it. Their cus er stinks.Desired Settlement: They pay the ENTIRE tax burden since it all is being based off of their inaccurate 1099R and a tax preparer told me this. He is trained, not the people at the branch at SunTrust.

Business

Response:

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

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: 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: Where do I start???? a 2 month nightmare is a good title for this.....

I had over 90,000 in Suntrust banks when I started, they wouldnt allow me to remove money from ATMs, and I couldnt figure out why, so I called them and was informed that if I went anywhere I had to let them know....which is stupid, so I told them, I am traveling EXTENSIVELY and I need access to my funds when I need them, they agreed to raise my ATM and spending limit, BUT THE VERY NEXT DAY I am denied a purchase for dinner...for 29$!!!!!!!!!!! Totally embarrassing me in public in front of friends.

I call them 6 times over the next 2 weeks, SIX TIMES for this same problem, them blocking my debit card, or denying purchases when I had money in my acct, and after I called them OVER AND OVER and told them do not block my card...they kept doing it, and now they have 2 pending transactions for a total of 1808 that I paid already and they have me Overdrafting in my acct when they screwed up....and now I cant touch the money I DO HAVE in my account...and they wont remove this, and they are charging me overdrafts, now another issue is, since they blocked my ATMs I had to go to cash machines/store that charged me an ADDITIONAL 38$ per 1000$....what a load of crap, so they owe me a out 600$ in those charges.

PLEASE help me with this, they wont fix the problems and I can tell you now, Facebok and twitter are full of the same kind of complaints I am lodging here right now

I want a refund of EVERY SINGLE INCIDENT of me having to pay extra for ATM withdrawls and using CGA services as I travel instead of just the $4 I had to pay 38-70$ PER TRANSACTION EXTRA!!!!!!!!Desired Settlement: !I want a refund of EVERY SINGLE INCIDENT of me having to pay extra for ATM withdrawls and using CGA services as I travel instead of just the $4 I had to pay 38-70$ PER TRANSACTION EXTRA!!!!!!!! totalling 700-800$ I am screwed out of, I want them to open my account and remove these false and already paid Pending Transactions...fed up

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: My car was totaled on 12/20/16. We had bought GAP insurance when we purchased the car. We received a letter on 1/15/16 from Suntrust stating that they had received a check from [redacted] in the amount of $10,822.55. Once [redacted] paid their portion we contacted the GAP insurance (IAS,LP). They were waiting on some information from Suntrust, and the car dealership. I got all of the information for them. Suntrust in the mean time was calling my cell phone non stop about needing a payment. I told them each time that the car was totaled and we had GAP insurance. Every time I talk to them it is a different amount I owe. In one conversation it went from $155 to $95 to $73. The next day I receive a letter from them stating I owe $350.52. I think it is ridiculous that they do not work with individuals in cases like this.

I have asked them to please waive the late fees due to the nature of the account.Desired Settlement: To write off the $155, $95, $73 or $350.52. Whichever amount is showing due.

Business

Response:

Re: Revdex.com complaint# [redacted] SunTrust has responded to our cllent but cannot share the reaponae 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.

I have never received anything from Suntrust,. I received a call from them to advise me that they had received my complaint and someone would be in contact, but no one has.

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

Regards,

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: 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: 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.