SunTrust Bank

Review: THIS COMPANY HAD REPO MY CAR WHEN I WAS ONE PAYMENT LATE I HAD PAID LATE BY NEVER REFUSED TO PAID AFTER 6 YEARS PAYING THIS CAR. NOW AT THE END OF MY DEBT THEY OR UNETHICAL ON THE WAY THEY ARE HANDLING THIS ISSUES. WHEN MY CAR DISSAPIAR I CALLED THEM AND ASKED WHAT HAPPEN AND THEY DENIED THE REPOSSETION OF MY CAR. I HAD CALLED THE POLICE AND REPORTED THE CAR STOLLEN BUT THEY TOLD ME THAT IS WAS NOT STOLLEN THAT WAS (REPO). THE WAY THEY HANDLER EVERYTHING THEY DESERVE TO BE IN COURT FOR INJURIES TO MY HEALTH.Desired Settlement: WILL ACCEPT AN APOLOGY AND A EXPLANATION OF WHY I WAS TREATED AS AN ILLEGAL BECAUSE I'M NOT. AND I KNOW MY RIGHTS. LOOKING FOR A ATTORNEY TO TAKE MY CASE.

Business

Response:

Re: Vehicle Loan Account ending in [redacted] Revdex.com (Revdex.com) Case [redacted] Dear Ms. [redacted]: We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding the repossession of the vehicle that secured the above referenced account. We appreciate the opportunity to respond. Our records reflect that your September 2, 2014 payment was not received, resulting in each of the payments that followed to be one month late. A copy of your payment history is enclosed for your review. We notified you of the possibility of repossession of the vehicle in our letter to you dated December 10, 2014 (enclosed). We did not receive the requested amount to bring the account up to date by December 26, 2013 as indicate in that letter. Therefore, the vehicle was noted for repossession and was taken on January 3, 2015. Although we received your payment of $550 on December 30,2014, the account remained past due. On January 6, 2015, we received the payoff amount of $3,493.54. After the payment was verified, the vehicle was released to you on January 6, 2015. The payoff for your loan was processed and satisfied on January 15, 2015. It is SunTrust's policy to offer its banking products and services, including credit products, to any qualified applicant in a responsible and non-discriminatory manner, and in compliance With all applicable Fair Banking and Consumer Protection Laws. SunTrust is committed to fairly representing its products and services and honestly and transparently disclosing the associated costs and fees. Our goal is to provide value to our Clients, protect their interests, and assist them in selecting the products or services that meet their needs. To that end, we scrutinize our disclosures to ensure that they are clear and understandable; verify that information provided to our clients is complete and accurate; and listen to our clients' expressed needs. We provide comprehensive training to our employees and perform ongoing monitoring to ensure compliance with Consumer Protection Laws and Regulations. We take allegations of unfair, deceptive or abusive acts and practices seriously and do not tolerate these actions from any employee. Ms. [redacted], we hope the information provided is helpful to you. If you have any additional questions, please call us at 800,SUNTRUST (800.786.8787) or visit any SunTrust branch. Our representatives will be glad to assist you. Sincerely, [redacted] Officer Client Advocacy Team

Review: I cashed a personal check from a closed account. When I was informed by the person who wrote the check I advised the bank several times. I was told it is all taken care of. Now I got my bank account closed and SunTrust has withheld my funds. I can't pay bills or cash checks. I find I am treated poorly by a simple error.Desired Settlement: I would like an explanation and I would like my money back with no fees.

Business

Response:

Re: [redacted] Revdex.com Case [redacted] We responded to Mr. [redacted] by letter on March 9, 2015. If you have any questions about our response, please contact Mr. Greenstein. Sincerely, [redacted] ·Vice President and Manager Executive Services

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: I called the bank to let them know that I had no access to the Internet accounts of the final bill payment. Miss [redacted] long told me that there was nothing that she could do and that the bank was not going to do anything that I had to pay them back the money no matter what happened. not use that account number 3 months and I explain to them what has happened and the bank basically told me that they did not care what happened I did not care if I was homeless and they were not going to waive the fees that I was going to absolutely have to pay everything and I told them basically that to freeze the account and to not let anything go in or out of the account. I explain to them that my information got stolen and they did not care about that.I asked him to put a freeze on the account [redacted] so therefore this bank SunTrust steal from people and they do not care someone needs to do something $34 fees and you call them and let them know what happened and I told you that there's nothing I can do about it because it was already scheduled and that there sorry what kind of Bank is this stealing from the customers.Desired Settlement: I want the account closed and I don't want nothing to do with a can take the two hundred and $4 and considered a settlement there's nothing else I can do about it I have no other money coming in. I just want the account closed and I just want them just to take the 200 for a liver they've already taken 204 from me last month and I called and let them know what was going on but [redacted] long told me there was nothing ever going to do and that I can make payment arrangements to pay them back for something I had no control over this bank steals and there a thief and I'm going to the federal consumers agency to let them know that this bank still.

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: 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 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: My account was previously linked to my [redacted] account but was removed. Several recurring charges that were sent through [redacted] erroneously charged to my Suntrust account instead of my Wells Fargo account. Desi [redacted], my banker at the time, stated she would take care of it as customer service only refunded 3 of the fees and there were about 6. Two weeks later, I called for a resolution and Desi was no longer with the company. The then branch manager said she would look into it. A week after that the branch manager was replaced and the account closed with a negative balance. This was an error from [redacted], who refused to pay the fees because they did not charge any and Suntrust is refusing to remove the fees even after admitting the transactions were knowingly unauthorized. Several times now, I stated that I would pay the balance in exchange for having the information removed from my Chexsystems file because it looks like I purposely overdrafted the account when I did not as it was [redacted]'s error. I have complained to the Consumer Finance Protection Bureau as well as posted on social media and spoken to the Customer Advocate, Sherry [redacted], and they are continuing to just say they aren't going to do anything about it because [redacted] should pay the money, which they aren't because they didn't charge the fees. I am in the process of suing Suntrust in small claims court. I could careless about the money honestly but I'm not going to stand for this being listed on my Chexsystems report for 5 years due to [redacted]'s error and Suntrust's inability to follow their own policy about unauthorized transactions.Desired Settlement: I would like the fees refunded as stated by banker Desi Hinova and any remaining balance, I will pay immediately for removal of this information from my Chexsystems report. Otherwise, we go to court.

Business

Response:

Dear Ms. [redacted]: We have received and reviewed your correspondences forwarded to us from the Revdex.com and the CFPB regarding transactions from [redacted] and our reporting of the account referenced above on your credit file. Once again, I appreciate the opportunity to respond. As explained in my last response to you (copy enclosed), our records show that this account was closed on July 24, 2015 with an outstanding balance of $259.68 ($229.68 plus a $30.00 administrative fee). The·reporting is accurate, and the debt is currently being · collected by Regional Adjustment Bureau (RAB) on behalf of SunTrust. You also mentioned that transactions from [redacted] were sent to SunTrust in error, and we suggested that you contact [redacted] to resolve this issue. In your correspondence you stated you were promised refunds. As a courtesy, the branch representative you spoke with on July 2, 2015 refunded three $36.00 overdraft fees to your account (statement copies enclosed). I have spoken with a representative of our Demand Deposit Account (ODA) Recovery Department on your behalf. We are willing to accept a settlement of $148.35 ($37.02 true Joss plus $111.33 which represents half of the fees owed). Upon receipt of this payment, we will waive the remaining $111.33 balanc~ due and report your account as paid in full. Ms. [redacted], we hope the information provided is helpful to you. If you would like to make payment arrangements, please call our DOA Recovery Department at 866.390.6375 or visit any SunTrust branch. Our representatives will be glad to help you. Sincerely, Sherry R. F[redacted] Vice President Client Advocacy Office

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.

Considering that this was the result of unauthorized transactions, to ruin my Chexsystems file for unauthorized activity is not acceptable. I will only accept a settlement that removes the record COMPLETELY from my file. I will not accept an update of paid in full, no matter how much you deduct from the amount. I will only accept a complete removal. At this point, it is in Suntrust's best interest to accept the amount $148.35 and delete the record or they can get nothing at all and leave the record there. The blemish doesn't hurt me financially in the long run. It's an annoying blemish that just shouldn't be there. It would be Suntrust's loss if they continue to hold onto this report as my next step will surely be a lawsuit to both Suntrust and Chexsystems.

Regards,

Review: I was promised courtesy refunds for both of my checks but I only got one. I have explained my situation and I got promised something that I didn't getDesired Settlement: I want both 36 dollar fees credited to my account

Business

Response:

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

Review: someone hacked my account and had fraudulent charges. I opened a new account got my new cards. they charged me overdraft charges when I had money in the bank. I had a deposit to clear and they took it back out and put a hold on my deposit for 10 days. the deposit was made off their bank.

they would manipulate my balance to charge me overdraft charges when I made deposits the same day. they had missed deposits I made of thousands of dollars into my account and charged me almost 700 dollars in overdraft charges. they resolved some of that with reluctancy.

thru out my account cash deposits would not be credit same until until after pending transaction were overdrafted for the day and then all my deposit would be gone paying the overdraft charges.Desired Settlement: I would like my account reviewed and my money paid put in overdraft charges returned

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: 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: About three months ago I had a balloon payment come due for my car loan with Sun Trust. It was agreed that I could break it down into payments that I could afford. One day I was talking to a [redacted] the was a supervisor over I believe the loan department and I told him that I had sent in a money order to cover the interest charged. I was told by [redacted] that there was no interest charged for a balloon payment. Sense that time I was hounded by the collection dept get phone calls within five minutes of each other> I talked to a supervisor in the collections dept at a bank in Nashville/ I told him about my discussion and he put the information down so that when someone pulled up my account they would see what was going on. That helped for about a week and then the phone calls stated again. One day I answered the phone and told the person about what was going on and they said they did not read the notes on my account. So the first of March comes around the day to make my final payment but could not of being in the emergency room. So I called on the 2nd and talked to a supervisor and was told that there would be a $1.50 interest charged and I was told that [redacted] was wrong. I have never missed a payment or been late and the person I was talking to that day said I was a valued customer. Well I can tell you I DID NOT FELL THAT WAY! It was not the $1.50 being charged to me but about being lied to. It seems that no one with Sun Trust bank could get their stories straight nor did anyone understand the jobs they had which till this day I do not feel like a valued customer nor will I ever use Sun Trust again.Desired Settlement: I want a phone call from the office of the president with Sun Trust bank. I want to know why I was lied to and treated like a common criminal when I have never missed a payment or been late with any payment

Business

Response:

SunTrust has responded to our client by phone and has resolved the concerns raised.

Please close this case on your records.

Consumer

Response:

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

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

Regards,

Review: The company has somehow attached my drivers license and social security number to a former acct holders charged off account. I have never received any notification regarding this, and only found out 2 months ago when applying for an apartment and a background check said that I had outstanding bad checks. I contacted suntrust directly to resolve the issue, at which time I was told it was a computer error and somehow my information was attached to somebody with my same last name. I got a letter saying it was resolved - but when telecheck checked my file again the error is still showing. I have never had any bad checks with suntrust - nor do I even bank with suntrust. I have copies of the suntrust letter I received after notifying them of the error - in addition to telecheck's reinvestigation that shows they have connected my social security and drivers license number to somebody other than myself (I'll be more than happy to fax/email the letters).Desired Settlement: My social security number and drivers license number should be removed from suntrust records as having any negative connotation - regardless of the name it is being associated with. I also request that suntrust contact telecheck immediately as remove any and all negative reporting as it is completely not accurate.

Business

Response:

Re: Revdex.com complaint #[redacted]

SunTrust has responded to our client but cannot share the

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

Please close this case in your records.

Consumer

Response:

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

I haven't received any information from Suntrust. I have also left 2 voicemails for them and haven't gotten any response. My third partyauth form is[redacted].

Regards,

Business

Response:

We have received and review your correspondence forwarded to

us from the Revdex.com regarding information that we reported to the check reporting

agencies to which we report. We appreciate the opportunity to respond.

Thank you for bringing this matter to our attention. On June

2, 2014 we contacted [redacted] and [redacted] and requested that the negative

reporting be deleted from your file.

[redacted] we understand your concern and apologize for any

inconvenience this matter may have caused. Should you have any questions,

please contact our Demand Deposit Account Recovery and Retention Department at

[redacted]. A representative will be glad to assist you.

Sincerely,

Consumer

Response:

Thank you for resolving this issue

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 GAVE MY PREPARER PERMISSION TO FILE MY TAX RETURN BY THE NAME OF [redacted] AND SUNTRUST PLACED A FRAUD HOLD ON HIS ACCOUNT WITH THE BANK INSTEAD OF RETURNING MY REFUND MONEY TO IRS SO THAT I CAN RECEIVE MY REFUND MY REFUND WAS DIRECT DEPOSITED ON 02.22.2013. I AM EXPERIENCING A HARDSHIP I NEED MY MONEY TO BE RETURNED TO IRS SO THAT I CAN RECIEVE MY MONEY.Desired Settlement: I WOULD LIKE MY REFUND MONEY RETURNED TO IRS SO THAT I CAN RECIEVE A PAPER CHECK TO MY ADDRESS.

Business

Response:

We responded to Ms. [redacted] by letter on June 17, 2013. If you have any questions about our response, please contact Ms. [redacted].

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.

Regards,

The information that Suntrust sent me is unacceptable I am experiencing a hardship where I'm about to lose my home and car. All I asked is for Suntrust to return my tax return money to IRS not send it to me. Its very unfair that they are holding money of individuals that gave [redacted] permission to file their returns. My money was deposited into his account in Feburary and its June. Me and my family shouldn't have to suffer. The first time my tax preparer was advised to allow 90 days now its 90 more days every day its a different excuse. I would like to have my money returned to IRS to ensure that I get my money in a timely fashion so that I can support my family. I am not accepting the offer they sent.

Review: I met with [redacted] at SunTrust Broadway Branch for options of checking accounts. I opened a checking account that had no minimum balance requirement and no maintenance fee based upon payroll direct-deposit.In spring 2012, I attempted to use my debit card in Sevierville after a weekend retreat and the card was declined for a $30 gas charge. According to my records, there were sufficient funds and was alarmed about my account. The following day, I met with [redacted], SunTrust Gray Branch and inquired if anything had changed on my account. [redacted] told me that nothing had changed but he would tie my checking to my saving account so that it would automatically transfer funds and no fee was mentioned for this service.April 2013 I attended an annual weekend retreat in Pigeon Forge, and before I left town I attempted to use my debit card for a $20 gas charge but the card was declined for insufficient funds. According to my records, there should have been several hundred dollars in my checking account and I was unnerved. I immediately drove over to SunTrust Gray Branch to speak with the manager but he had left for the day. I explained what had transpired to two bank tellers and one instantly discovered the problem. She asked, Did you know that a $17 maintenance fee has been withdrawn from your account since November 2011? I told her emphatically that I was unaware and would never agree to any maintenance fee on my checking account because my monthly budget is too tight to withstand.I feel there was a breakdown in trust and communication on the part of [redacted] in April 2012 which triggered the devastating effects to my checking and saving accounts. When I met face-to-face with [redacted] in April 2012 and asked if there had been any changes to my checking account, he was remiss and I am the one who has suffered dire consequences. Because of his negligence as a bank officer, my checking account was overdrawn $17 and my saving account was systematically penniless.Desired Settlement: Refund of all the money taken by SunTrust without my knowledge or written consent on my accounts.

Business

Response:

We have sent a response to [redacted] dated May 28, 2013. If you have any questions, please feel free to contact me at [redacted]. I will be glad to speak with you.

Thank You,

Review: I was researching my credit report and noticed there was a charge from Sun Trust on my account. I have tried calling the bank and also another number they gave me to get this issue fixed. They DO NOT have me on file as ever having an account with them. They WILL NOT take this charge off my account unless I go through Fraud department which they CAN NOT do anything about because I DID NOT have an account with them NOW or in the PAST. I would like this charge taken off my credit report. It is NOT my bill NOT my account NOT my problem. THEY messed up but yet THEY WILL NOT fix this problem. Maybe you can. I even gave them permission to get my credit report to see that it's on there but they won't do it. I would like for this matter to be resolved as quickly as possible. Why is it so easy for them to put it on MY credit report but I have to go through hoops to get it fixed? If they don't have me in the system how can they put it on my credit report but yet can not take it off?Desired Settlement: Would like for this bill to be taken off my credit report stating that it was mistaken identity and NOT my bill.

Business

Response:

Dear Mr. [redacted]:

This letter is in response to correspondence we received from the Revdex.com Serving Central Virginia, Inc. regarding your credit report. We appreciate the opportunity to assist you with this matter. However, we will need additional information from you.

I attempted to contact you on July 3, 2013, and left a message with the person that answered the phone and provided my direct number requesting that you return my call. I also left you a voice message on July 5, 2013.

We will need the following information from you before we can investigate the credit reporting. Please provide us with your complete Social Security number and a copy of the credit report that is showing information reported by SunTrust. I have enclosed a postage-paid envelope for your to use in sending this information to us.

Mr. [redacted], once we receive the requested information, we will be able to continue our investigation and provide a response. Should you have any questions, please call me directly at [redacted] I will be glad to speak with you.

Sincerely,

Review: This bank has the worst customer service ever! they arrange it so your account looks like it still has money and then charge you overdraft fees before the charges (that have been pending and have been removed from your balance already)clear. Then when you dispute it they give you some crazy excuse (that does not make any sense)about what I see on my mobile device and what I see on their website on my electronic statement is not the same thing they see on their end. ok, so clearly they are deceiving the consumer to charge them unnecessary fees and make money that way on their "free" checking accounts. 3 weeks ago I got $72 worth of fees that no where on my printout shows why they were charged. putting my account in the negative making another charge NSF and charging another $36.I went to the branch nearest to my job to ask why? and the lady there said she would call my branch and call me back. Then nothing, no call no reason nothing.3 weeks later they hit my account with $180 worth of fees. I checked my account on Thursday night around 9:30pm and it was in the negative $45 I make a deposit at 7:30am to make good on what had just come in and was still pending plus other outstanding items and I was $283 in the negative at 7am. does this bank have minions working overnight posting these charges? this is unbelievable. I work 2 jobs to support my family and it turns out almost everything I make on my second job is being taking away by Suntrust to pay for these ridiculous fees.Desired Settlement: I want my $252 back so that I can go and open another bank account in a credit union where they actually care about the consumer and not rob them blind.

Business

Response:

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

We sent a letter today to **.[redacted] to address the issues she brought forth to the Revdex.com about her account. Therefore, we are closing our file on Revdex.com Case # [redacted].

Please not that our overdraft policy is disclosed to clients in our Rules and Regulations For Deposit Accounts and our published fee schedule (provided at account opening and online at suntrust.com)

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

Sincerely,

Review: SunTrust habitually locks its customers out of payment options such as the [redacted] and online account access. When I've tried to used these options, an automated messages redirects me to the number I've just called ([redacted]) or the website locks you out and directs you to contact a number, where no one is available, conveniently. Yet the company uses a robot calling system with automated messages that sends up to 5 harassing calls a day, while I'm at work or in school. I have received robotic calls as late as 9 p.m.Desired Settlement: I desire that the harassing calls discontinue and to be remove from all robot systems. I would like SunTrust to allow the required 24-hours online and phone access which it offers to all other customers.

Business

Response:

Dear [redacted]:

We received your correspondence regarding the above referenced case. BEcause you did not include a signed authorization form from the client, we are unable to provide you a signed authorization form from the client, we are unable to provide youa copy of our response to the client dated August 29, 2013. Upon receipt pf the signed authorization form, we will gladly share a copy of our response with yur office.

Sincerely,

Review: I had a car financed with Suntrust Bank. I have never missed a payment and called on Aug 23 to make a payment before it was 30 days late. The representative did not accept my payment and told me to call back to do what she called a "rewrite" because it would be beneficial to me by lowering my payment and moving the payment to a later time. Basically, she was offering me an opportunity that I thought was a good idea, but little did I know that after she did not accept my payment, Suntrust picked the car up. I understand that the ** law says it is perfectly legal to repossess a car after the payment is late, however it is very unethical to refuse to accept someone's payment and lie to them by offering a phony opportunity then repossess the car not to mention refuse to accept the payment after the car was repossessed.Desired Settlement: Accept payment, return the car and apologize for the breakdown in customer service as well as all of the rude representatives that have not one single time attempted to find out what happened. All they say is..."you didnt make the payment." Well, why did you just accept the payment before you got the car? I find it very hard to believe that this is the way Suntrust does business, but if it is then I hope you are not in business much longer because it is just plain wrong to not take my payment and then take my car especially since I have never missed a payment ever on anything.

Business

Response:

Re: Revdex.com complaint #[redacted]

SunTrust has responded to our client but cannot share the

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

Please close this case on your records.

Consumer

Response:

I have reviewed the offer 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.]

Regards,

To Whom It May Concern:

recently I filed a complaint with the Revdex.com of Richmond against SunTrust Bank. In

response I was given an offer from SunTrust Bank and I attempted to pay the

funds requested from SunTrust Bank on 10/21/13. At that time, I was informed

that the offer was apparently not valid and the vehicle has been sold. This is

not congruent with the offer made by SunTrust and when I questioned the

representative I spoke to on the phone and asked if I may ask questions, I was

told “NO!” and hung up on. This is highly unacceptable to me and very poor

business practices. I intend to continue to follow up on the matter to be made

fair for me as I have attempted multiple times to meet their demands and been

given phony opportunities to get my vehicle back. I may be reached through the

Revdex.com website or by phone at [redacted]. Thank you for your support and help

with this matter.

Sincerely,

See Attached

Business

Response:

Dear [redacted]

We have received and reviewed your rebuttal that was sent to

us from the Revdex.com regarding the above referenced account. We appreciate the

opportunity to respond.

Our records that the original payoff requirement that was

communicated to you on September 26, 2013 was valid based on the delinquency

and payment history or your account. However, at your request, we once again

reviewed your account and, as an accommodation, offered to reduce the

reinstatement amount required (as outlined in SunTrust letter to you dated

October 11, 2013). This offer did not delay the schedule on the vehicle for

sale at action, as previously communicated to you in the Notice of Sale Letter

dated September 26, 2013. The vehicle sold at auction on October 15, 2013. The

offer of you received was valid; unfortunately it became unavailable once the

vehicle was sold.

It is SunTrust’s policy to offer and extended its banking

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

a fait, responsible, equitable, 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 cost and fees associated with such

products. Our goal is to provide value to our clients, protect their interests,

and assist them in selecting the products or services that meet their needs. To

that end, we scrutinize our disclosures to ensure that they are clear and

understandable; verify that information provided to our clients is complete,

clear, and accurate; and listen to our clients’ expressed needs. We provide

comprehensive training to our employees and we perform ongoing monitoring to

ensure compliance with Consumer Protection Laws and Regulations.

Every SunTrust employee is responsible for ensuring

adherence to fair Banking and 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 employees. This statement is applicable

to all aspects of providing banking products and services, including, but not

limited to approval, pricing and servicing.

[redacted], there is currently a balance remaining on your

account. We would like the opportunity to discuss payment arrangements or a

settlement with you on that balance. Please feel free to contact us at [redacted].

Sincerely,

Review: As of this date, November 21, 2013 I have made 72 payments on an auto loan. Payments have been earmarked principal only and these recent transactions have occurred within the bank wherein the teller completes the paperwork and gives me a customer receipt documenting the payment of a principal reduction. The problem occurs with these transactions not being aacurately documented on my Suntrust Online Banking account. As I monitor the payment history, 2 payments have not been applied to the auto loan rather the funds were reversed and reapplied to late charges which I did not give consent, and is totally unethical. It is our intent to pay this 75 month auto loan off. The online customer service repres are saying they can apply to the funds to late charges without our constents which is a breach of trust and good faith. Product_Or_Service: auto Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Other (requires explanation) We would like all our funds in question to be applied toward the principal amount of the auto loan. And for the stress and back and forth, late charges should be waived for those funds in question.

Business

Response:

Re: Revdex.com complaint #[redacted]

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

Please close this case in your records.

Consumer

Response:

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

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

Regards,

Dear [redacted];

We are not completely satisfied with SunTrust’s response per our complaint to the Revdex.com.As we noted under the desired outcome online complaint; we want both payments of $556.46 credited to our account. The April 26, 2013 payment was paid in advance because my wife does not work during the summer, and the November 7, 2013 payment was still considered not paid, and we paid it again.

Upon obtaining a history, we learning two payments were applied to late charges.

Even though, it is stated in the contract, “SunTrust may apply the fund to the earned and unpaid part of the finance charge, to the unpaid part of the principal balance, (at that time the unpaid principal respectively was $4956.16, $2865.26; it is nothing in the contract which states that SunTrust can make a penalty towards late charges instead of your normal payment) “and to other amounts owed under this contract in any order SunTrust choose”.

However, we specifically paid inside the branch, directing the teller to apply funds to the principal/interest only which enclosed both receipts reflect.

Again we conclude our funds were misapplied, and the records still show we are one payment short which is creating a financial burden to our purposeful planned outgoing expenditures for the coming year. The enclosed transaction history still reflects the dispute of the next payment amount due, $1139.93, last payment amount $556.46 and our calculated balance due.

In closing, once the other payment, $556.46, is applied to our account, SunTrust will have resolved our issue yet in question with them. Furthermore, my intention is to pay all late charges, with payment stuff number ** at the end of the loan since I think that principal interest be paid first, then penalty late charges should be paid last since that is extra money to the bank and they should not call harassing me when indeed my account is current.

Sincerely,

See Attached

Business

Response:

Dear [redacted]

We have received and reviewed your rebuttal to the Revdex.com regarding the application of payment to the above referenced account. We regret you were not satisfied with our previous response and appreciate the opportunity to respond.

In accordance with your request we have adjusted the April 26, 2013, November 7, 2013 and November 16, 2013 payments so that no portion of these payments was applied to late fees.

Because payments are systematically applied to satisfy unpaid late fees, we will monitor the account going forward to prevent this. Therefore, all unpaid fees will be owned at the end of the loan term. As of the date of this letter, the account is due for the January 9, 2014 payment of $556.46. the payoff amount of $2,364.64 includes late fees of $1,168.86.

[redacted] we hope we have addressed your concerns. If you have any other questions regarding the application of loan payments, please call our Client Services Department at [redacted]. A representative will be glad to assist you. Thank you for banking with SunTrust.

Sincerely,