SunTrust Bank

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: For years I have gotten paid on the 5th and 20th of each month. My children attend a private pay school in which I pay half of the tuition every month. Yesterday, 10.19.2015, I gave the school a postdated check for $370.00, dated for 10.20.2015. This morning, I'm notified that my bank account has insufficient funds. The school's bank accepted the post dated check and processed it on 10.19.2015. SunTrust allowed them to clear the check but in the process they removed pending items that had been pending for several days, added the $370.00 payment to the school, then added each small pending item in after that causing my account to overdraft and causing me to pay $180.00 in insufficient fees. When I called and spoke to them this morning, they refused to come to a resolution and adjust the $180.00. The offered to adjust $108, but I am still being held responsible for the remaining $72.00.Desired Settlement: I would like the remaining 2 ($72.00) adjusted and applied back into my bank account.

Business

Response:

Dear [redacted]:We have received and reviewed your correspondence forwarded

to us from the Revdex.com regarding a payment made with a posted check from your above

referenced account. I appreciate the opportunity to respond.Our record shows that, on October 19, 2015 Check [redacted] for

$370 was presented and paid form your account. You stated the check was postdated

October 20, 2015 and you would not have the funds to pay the check until the

date. In accordance with our Rules and Regulations for Deposit Accounts,

provided at account opening on our website suntrust.com posted items are

treated as demand items and payments at presentment. You request a refund of all the overdraft fees assessed due to

the payment of the postdated check. We have refunded three of the five $36.00

overdraft fees, totaling $108, as a one-time courtesy. The other two fees will remain.

[redacted] is your October 23, 2015 statement reflecting these credits.[redacted], I hope the information provided is helpful to

you. If we may be of further assistance, please do not hesitate to contact us

via your Online Banking Profile or call us at [redacted]. Our representatives

will be glad to help you. Thank you for banking with SunTrust.Sincerely,[redacted]

Review: I call four times to the call center for a problem that I was having with my suntrust back account. Suntrust charge me 2 over draft fees back to bcak with in 2 days. I call them and ask them could they please take one of the charges away and they said no because they only do that one time only, and that they already took a over draft fee away. I understand that I over drew my account but for them to charge me twice with in the same week is going over the top.Desired Settlement: I would like for one of the 36$ fee to be put back into my account. unless this is not done I will close the bank account and take my business some where eles

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 Mortgage withdrew a mortgage payment on July 1 from my checking account after I sold my home and paid off the mortgage. I called their mortgage center repeatedly and was told that they would refund the amount via check. However, Suntrust failed to send me a check. The last time I called I was told that they had to research the problem and that it would take at least five working days. This is despite the fact that they repeatedly admitted that they took the funds improperly and would refund the amount.Desired Settlement: I would like the funds to be transferred electonically to my checking account. I would also like a written apology.

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: Suntrust overdraft program is the reason for my complaint. I did call customer service mulitiple times about the issue at hand and I feel like I was being ignored because of suntrust's overdraft policy. I understand my account was overdrawn but to be hit with an overdraft fee in my mind was premature. I know there was enough money in there to cover my charges and then I was still hit with an overdraft fee twice. But the part that makes me furious was that I was going to cover the money on the day before the first overdraft fee hit and then when I called customer service to ask them questions about this it felt like they were reading from a script. Suntrust banks does overdraft fees prematurely and instead of giving enough notice about that they instead don't. I'm highly thinking of switching to another bank because at the same time, I want to feel valued as a customer. At this time I don't feel that way at all. I understand I did not put in enough money to cover the other two but I count my money down to the last dime. Even with overdrafts as a customer I should have more than one day to cover the charges not just because I overdrawn the account so I get hit with an overdraft fee no matter what. That's not fair and you'll probably lose more customers that way.Desired Settlement: An apology about the lack of customer care handled in my case. It felt like I was undervalued and that the agents I was dealing with was reading from a script. I would like an apology and in good faith a refund of my first overdraft fee because the charge was premature. I would like to continue banking at suntrust but the next move is theirs to make, I'm a loyal person and I need to know that suntrust is the same way with customers or I'll bank elsewhere.

Business

Response:

SunTrust has responded to our client on August 28, 2014 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: 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,

Review: I have recently opened an account with Suntrust. There is an issue with my account and I am unable to attain online access. My first call to customer service on Thursday 10/1/15, the representative was rude and very unhelpful and basically told me too bad so sad. She was very rude while she was sending me a password reset email, of which I did not receive until much later. I proceeded to go the the branch and the representative there was helpful to me trying to get this resolved. When he called the service desk and tried to get my password reset emails, the 3 emails from the earlier representative finally showed up. We tried many times to reset the account to no avail. I tried to file a complaint regarding my first horrible customer service on Thursday through him and have heard nothing back regarding that. I was called today from a customer service liaison from a Virginia office regarding not being able to access my account. The woman was EXTREMELY rude and not helpful. She told me they had a resolve for my issue and that she did not know when they would fix it and refused to give me a timeline for the resolve. I told her that was unacceptable. She treated me like a piece of dirt and told me basically to take my money elsewhere. I kept asking when they were going to fix my access and she told me that no date had been established. I want access to my account. As I was still talking to the representative, she hung up on me. I then called my local branch, and was unable to talk to my local representative at that time. I was able to reach him about an hour later and he told me that the Virginia representative emailed him and said that I hung up on her, which is totally false. I am trying to reach the Virginia office manager for the extremely rude woman.Desired Settlement: I, first and foremost, want online access to my account. Secondly, I want an apology form the corporate office for the two occasions of really poor customer service and that it is totally unacceptable to be hung up on by an employee of their business. There is never a situation that a customer service representative should be rude, cold, uncaring, and hang up on a customer. My local branch person has been trying to help me, but he is unable to with the corporate office acting like they really don't care at all and lying about what has transpired.

Business

Response:

The issues regarding his Online Banking problem was resolved by telephone. Please close this case on your records.

Review: I was a representative payee for a gentleman that an agency recommended needed help managing his money each month because he is an alcoholic. I agreed so I went into SunTrust Bank with him and we both signed the paperwork and I begin paying his bills each month, I did this for about a year and didn't have any problem with the account. [redacted] went down to the Social Security Office without my knowledge and changed his payee and the check started going to the new payee. Well the next month came and I wrote out his checks as ususal because his check goes into the bank on the 1st of every month and his bills have to be paid by the 5th so I would write the check on the first and take it into his rental office and the purchase his groceries and other house hold items and continue on with whatever he would need so after doing this I went to the bank to withdraw $40.00 dollars and the account came back as overdrawn. I immediately called the SunTrust Bank and they told me that the deposit didn't come in for the month, so I then called the Social Security Office and questioned them and that's when they told informed me that [redacted] had changed his payee and that they couldn't talk to me anymore because I was no longer his payee I then said that no one informed me I didn't receive a letter in the mail or anything and she said that it was sent out but it didn't matter because I didn't get it so I then called to speak to a supervisor and no resolution so this has been ongoing and this is a debt that Social Security or the Payor should have to pay I didn't use the money to benefit me in anyway and I didn't overdrawn this account intentional so this is something that should be taken up with them because the Payor shouldn't be allowed to just walk into the Social Security Office and change Payee's without them first calling immediately to notify that person that's why they have all of our information on file and there was no reason that they couldn't get in touch with me so they should have to pay it back.Desired Settlement: I want this to be taken up with the right person(s) so they can stop sending me to the collection agency this is really hurting my credit

and it's not a true debt of mine. They can go after then or write it off.

Business

Response:

Dear [redacted]:

We have received and reviewed your correspondence forwarded

to us by the Revdex.com regarding the above referenced account. We appreciate the

opportunity to respond.

Our records reflect the account was closed with an owned balance

of $745.22 plus a $30.00 overdraft closing fee of July 5, 2013. On August 8,

2013, you contacted us and explained the circumstances that caused the account to

be overdrawn. We waived the fees that were assessed, and you agreed to pay us

$25.00 a month until the remaining balance was paid. The last payment we received

was $25.00 on September 20, 2013.

[redacted], the current amount owed is $492.79. The account was

referred to Associated Credit Services (ACS) for collections. For questions and

to make payment arrangement, please contact ACS at [redacted]. One of their

representatives will assist you.

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: Suntrust has incorrectly reported a short sale account to our credit bureau; thus preventing us from purchasing a home in a timely manner.They state they are no longer reporting this account because it is so old. We have been attempting to go through the Credit Bureaus; however, the [redacted] defines a response time frame that will adversely affect our finances, a permanent address, and school issues.We have requested they update the credit bureau data directly (as they have the correct information in their system as stated when talking to them) but they say they cannot do this.We have been working this for 30 days and have but 60 days left to locate permanent residence.

Product_Or_Service: [redacted]Desired Settlement: DesiredSettlementID: Other (requires explanation)

Correct and update data immediately.

Business

Response:

Dear [redacted]:

We have received and reviewed your correspondence forwarded

to us from the Revdex.com about information that we are reporting to the credit bureaus

regarding the above referenced account. We appreciate the opportunity to

respond.

Our records reflect that we are reporting to the bureaus a

closed date of March 2012. Upon further review it was determined that [redacted],

[redacted] and [redacted] are reporting this date as well.

[redacted], we trust this information is helpful to

you. If you have any other questions, please call our Credit Bureau Dispute

Department at [redacted]. A representative will be glad to help you.

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.

I have emailed supporting documentation to Revdex.com that clearly shows the issue of Suntrust's reporting. Suntrust has stated "that they are reportin to the bureaus a closed date of March 2012. The supporting documentation I have sent identifies the following errors:

- Paid Chrg 07-13

- Pymt History: 09-13 1911111.... Signifying a payment was made on Sept 13.

- Shows a balance on account thru June 2013

- States "High Balance of $69,500 from 12/2011 to 07/2013

- Shows date closed 07/10/2013

- Shows a running balance in the payment history of $63,998

- Shows last payment 03-01-2012

All of this information is from [redacted] and[redacted].

This incorrect information is currently preventing us from obtaining a mortgage loan from I-Mortgage.

Regards,

Business

Response:

Dear [redacted]:

We have received and reviewed your correspondence forwarded

to us from the Revdex.com about information that we are reporting to the credit bureaus

regarding the above referenced account. We appreciate the opportunity to

respond.

As stated in our pervious letter to you, we show that [redacted],

[redacted] and [redacted] are reporting the account as settle, account paid in full for

less than balance with a closed date of March 2012. The document that you

provided is from a tri-merge company, [redacted], and not from one of the

three bureaus to which we report.

[redacted], we trust this information is helpful to

you. If you have any other questions, please call our Credit Bureau Dispute

Department at [redacted]. A representative will be glad to help you.

Sincerely,

Review: Once I was told that over draft fees were assigned by which item hits the bank first, now I am told they take the highest amount first then each accordingly. I made a deposit of $95.00, paid two bills one for $48 and one for $19 which had been deducted from account balance before I wrote a check for $317.00 leaving a over draft of $288. Instead of having 1 over draft charge I now have three.Desired Settlement: For them too return $72.00 in overdraft fees!

Business

Response:

Re: Revdex.com complaint #[redacted]

SunTrust has responded to our client but cannot share the

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

Please close this case in your records.

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: 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: A few months back I had an issue with an item that was submitted for payment on the same as my paycheck had been direct deposited into my account. I am not exactly sure of the date. I was told by [redacted], a representative of Suntrust Bank, that I could go by the website and that it was accurate on a daily basis. I checked online this morning and found two over draft fees, one for $72.00 and one for $144.00. The fees listed by Suntrust bank is $36.00. I will be including a print out of my account showing that when the $144.00 overdraft fee was taken I had a positive balance. This is four times the normal $36.00 fee. I called and spoke with [redacted], the branch manager. She attempted to tell me that the web site is not accurate. I am not sure which employee to believe. According to [redacted] the web site is accurate, according to [redacted] it is not. This is extremely confusing for consumers. [redacted] said as a one time courtesy she would refund the $72.00. I believe that I am due the entire amount of $216.00. I have a printout of my bank statment showing that my account had a positive balance when the first fee of $144.00 was applied to the account. I will be faxing this to your office at [redacted]. To me that seems like unscrupulous business practices. I will also be filing a complaint with the [redacted]. I will also be closing my account with Suntrust Bank. They have proven to be a bank with very questionable behaviors. Thank you for your time.Desired Settlement: I require the return of the overdraft fees that were unethically taken from my account.

Business

Response:

We have received and reviewed your correspondence forwarded

to us by the BB regarding fees that we assessed to your checking account. We

appreciated the opportunity to respond.

You indicated you were not clear what your daily balance was

on the above referenced account. The account balance is updated on our

overnight processing, giving you a balance at that time. However, please

understand the available funds in your account may be affected by the approval

of check card purchased that had not been presented for payment.

Our records reflect that your available balance on May 6

2014 was [redacted] as you had an approved purchased of [redacted] that had not yet posted. On

May 6, 2013, four check card transactions were presented and paid on the above

account; ** approved on May 3, 2014, ** approved on May 2, 2014; ** approved on

May 4, 2014; ** approved on May 3, 2014. These four items were paid against insufficient

funds and as a result you incurred a ** overdraft fee for each item **. On May

8, 2014 the account had a balance of negative **. Two items were presented for

payment on may 8 2014 against a negative balance causing two ** overdraft fee,

total **

Concerning check card transaction, once a check card debit

transaction is authorized, a hold is placed on the client’s account for the

amount of the transaction, which reduces your available balance. Funds on hold

for pending check card debits cannot be used for other purposed even thought he

transaction has not posted against the account.

Generally, it can take between two to five business days for

check card transactions to be presented for payment and permanently post to the

account. For this reasons, clients must maintain accurate account records

nothing all authorized debit transactions, including pending and credits to

determine their available balances. Detailed information concerning this matter

is included in page 17 of our Rules and Regulations for Deposit Account

([redacted]) and on our website [redacted] ([redacted])

Our records reflect that you accepted overdraft coverage for

your account. You may want to consider updating you account to decline

overdraft coverage to help you avoid overdraft fees. Declining overdraft

coverage means that we w ill decline ATM and everyday debit card transactions of

your available balance is not sufficient to cover the amount of the

transaction. However, this method does not apply to checks, payments made via

online banking, automatic bill payment, ACH debit transactions or recurring

check card transactions that are presented for payment.

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 scrutinized our disclosures to ensure that they are clear and understandable;

verify that information provided comprehensive training to out employees and

perform ongoing monitoring to ensure compliance with Consumer Protection Laws

and Regulations. We take allegations of unfair, deceptive, or abusive acts and

practices seriously and do not tolerate these actions from any employee.

[redacted] You are a valued client and we hope that this information

is helpful. As a onetime courtesy, we have refunded the [redacted] in fees that you

were recently assessed. If you have any additional questions regarding your

account please call us at [redacted]. One of our representatives will be glad to

assist.

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: A year ago we reconciled an outstanding debt with suntrust bank and re-established the business relationship by opening a savings account. After several months we determined the savings was not the best fit for the cash flow we had with suntrust so online I opened an ** checking account and made the required 50 dollar deposit through a transfer from my primary checking with [redacted] a virtual bank. Once the ** checking was established I closed the savings with customer service on the phone. I attempted several times to use my debit card and each time was unable to do so. I called customer service only to get the same response each time, "sorry, the cards are not linked to the account, I will do so now and in 24 hours you will be able to use it". Each attempt thereafter was unsuccessful and it took various phone calls to finally be advised that my account was under investigation and pending to be closed. They could not provide a specific answer to why this was other than it was a violation of suntrust policies and that I would be notified in writing. I was notified in writing with no further information other than it violated policies. I visited a suntrust branch for more specifics and they couldn't provide it, I called customer service and they said the same thing as the letter. I asked if this would affect further banking with suntrust or any other financial, institution and they said possibly yes. So how is that I will be penalize for something I have no clue what it is cause no one has specifically told me what was violatedDesired Settlement: I would like in writing an explanation of what triggered an investigation and what exactly was violated and if I have the opportunity to dispute if it is something not accurate.

Business

Response:

Re Revdex.com complaint # [redacted]

SunTrust has responded to our client and is providing the Revdex.com

with a copy via this fax.

Please close this case on your records.

Dear [redacted]:

We have received and reviewed your correspondence forwarded

to us from the Revdex.com regarding overdraft fees assessed on November 2013 to your

above referenced account. We appreciate the opportunity to respond.

You stated the assessed overdraft fees were caused by a

delay in the Bank receiving your Direct Deposit and the order in which your

items posted to your account. While the fees are valid due to items presented

for payment against insufficient balances, as a courtesy, we refunded $144 in

overdraft fees you your account on January 10, 2014. The credit will reflect on

your next statement.

Our records shows that your Direct Deposit was posted to

your account on the effective date we were provided (November 14, 2013). The

posting order of your items is in accordance with our Rules and Regulations for

Deposit Accounts. [redacted] page 16 of

our Roles for your review. Out Riles are provided at account opening and on our

website suntrust.com (see about us- fee schedules- deposit account disclosures)

SunTrust offers two different types of Overdraft Services

for our clients, Overdraft Protection and Overdraft Coverage. You may be

interested in Overdraft Protection, which allows clients to link their consumer

deposit accounts to their other SunTrust deposit, credit card or line of credit

accounts for the purpose of transferring necessary funds to cover any

shortfalls Although you have already accepted Overdraft Coverage, you may want

to decline this service to help you avoid overdraft fees in the future. If you

decline Overdraft Coverage, we will not be allowed to pay overdrafts and assess

fees for ATM and everyday debit card transactions. Please note our ability to

authorize overdrafts and assess fees on any other type of transaction is not

affected by this coverage.

Our website contains helpful information on how to manage

your account and avoid fees (see banking- personal checking- overdraft

services-facts about banking). You will also find useful information about our

overdraft services and how to monitor your account activity when the balance

gets too low or becomes overdrawn by setting up email or mobile alerts.

Our Online and Mobile Banking Services are provided to

assist clients with viewing their account balances and transaction information

that can be used along with their personal account records. These services are

not intended to replace your personal account records, as Banks records may not

included all outstanding items on the account, such as checks and other

pre-authorized debits. Because of this, we recommend that clients maintain

accurate account records noting all credit and debit transactions. You may sign

up to receive Email or mobile alerts with the balance gets too low or becomes

overdrawn. Instructions for signed up for these services are found on our

website (see Banking-online banking or mobile banking) and on your Online Banking

Profile.

You expressed concerns about the servicing of your account

it is SunTrust’s policy to offer and extend its banking products and services,

including credit products, to any qualified applicant in a fair, responsible,

equitable, and non0discriminatory manner, and in compliance with all applicable

fair and responsible banking and consumer protection laws, SunTrust is

committed to fairly representing its products and services and honestly and

transparently disclosing the costs and fees associated with such products. Our

goal is to provide value to our client, 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 understanding;

verify that information provided to out 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 and responsible 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 employee. This

statement is applicable to all aspects of providing banking products and

services, including, but not limited to, approval, pricing, and servicing.

Your comments about the service you received when you inquired

about the overdraft fees have been noted. We regret that you did not have a

positive experience and we did not meet your expectations in this instance.

[redacted], we hope this information is helpful. If you have

any questions or are interested in over draft Protection, please don’t hesitate

to contact us via your online Banking Profile, call us at [redacted]

([redacted]( or visit your local SunTrust branch. Our representatives are glad

to help you. Thank you for banking with SunTrust.

Sincerely,

Consumer

Response:

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

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

Regards,

The complaint has been resolved

I thought at first to file a complaint, but after one minute, I believe it's not worth complaint. it was bad experience and I wouldn't try it again. before Christmas eve, I tried to open an online account with Suntrust, I couldn't because the website was down, then I went to nearest branch to open it and order checkbook after I deposited 100$. I got the checkbook and debit card before christmas. and I activated the online banking over the phone. and everything was okay. at first, the online banking was okay and after one week, it didn't work anymore , when I called the bank rep. at phone, she told me that account was closed and she had no data, and I have to go to the bank. I got a day off to go the branch, and the bank rep. told me that my information is not right !! after all this MY INFORMATIONS ISN'T RIGHT! because I moved to another state althought my ID have the new address, and all my banks account were changed to the new address even my usps account. horrible experience

Review: SunTrust Financned a car several years ago. It has been fully paid off. They were going to repossess it in June 2013. My account was current. When I called to get detailed billling, they never responded. They charged way too much in service chargesDesired Settlement: Someone to sit down with me and go over the history of my loan, which has been fully satisfied.

Business

Response:

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

Please close this case on your records.

Review: On the 15th of Feb, I transferred monies to make a $15.48 transaction. There were no pending charges. The next day, a charge that went from pending into a "limbo" instead of back into my account and that vendor batched out and went to collect the previously pending transaction. The money was not back into my account so I my account went into a negative status with an overdraft fee, then my Fed 15th transaction then put account further into negative with a fee due them hitting me for a fee on the other. I tried to stress to her that the account was showing no pending charges and all would have been fine if the funds had went from pending back to my account. Instead, it just went into a status not showing as pending or back into the account. They took care of one fee, but refuse to take care of the other.Desired Settlement: Refund of the additional $36 fee. It should have never happened in the first place. I should be able to trust that when my account says there is no pending charges that all is fine.

Business

Response:

Re: Select Checking Account ending in [redacted] Revdex.com (Revdex.com) Case [redacted] Dear Mr. [redacted]: We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding overdraft fees assessed to the above referenced account. I appreciate the opportunity to respond. Our records show that, on February 16, 2016, your account balance was $435.23. Seven items were presented for payment. Five debits totaling $420.45 ($335.95 - T•Mobile, $24.98 - [redacted] 1 $24.28 - [redacted], $18.00 - [redacted] and $17.24 - [redacted])· were paid, making the available balance $14.78. The debits for $15.48 to [redacted] and $13.86 to [redacted] were paid against insufficient funds. Your account was assessed two $36.00 overdraft fees totaling $72.00. A $36.00 extended overdraft fee was assessed on February 22, 2016 when the account was in an overdrawn status for five consecutive business days. Based on this information, we have determined that the overdraft fees charged are valid. However, as a courtesy, we refunded a total of $108 in overdraft fees ($36.00 on February 17, $36.00 on February 23 and $36.00 on March 1, 2016). I have enclosed a statement for your review. Regarding debit card transactions, once a debit card transaction (ATM withdrawal or purchase) is authorized, a hold is placed on the client's account reducing the available balance. Funds on hold for pending debit card transactions 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 transactions, including pending debits and credits, to determine their available balances. Detailed information concerning this matter is included on pages 17 and 18 of our Rules and Regulations For Deposit Accounts (enclosed). The Rules are provided at account opening and also found on suntrust.com (see Banking__.Overview Guides and Disclosures--1oDeposit Account Disclosures). In order to decrease the chances of overdraft fees happening again, please visit suntrust.com, where you will find helpful tips on how to manage your account and avoid fees (see Banking ~ Overview Guides and Disclosures----> The Facts About Banking). You will also find useful information about our overdraft services and how to monitor your account activity when the balance gets too low or becomes overdrawn by setting up email or mobile alerts. You may also want to set up Overdraft Protection, whereby a protector account is linked to your transaction account to cover any potential shortfalls. Detailed information about this service is found on our website (see Personal Banking ~ Checking Account Features~ overdraft Services). Instructions for signing· up for Overdraft Protection and setting up email or mobile alerts are also found on our website. Mr. [redacted], I hope this information is· helpful to you. Should you have any additional questions or concerns regarding your account, please 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. Please join our movement toward financial confidence at onUp.com . Sincerely, Kathy B[redacted] Officer Client Advocacy Office

Consumer

Response:

They have refunded me the $36. How can I update the complaint as resolved.

Review: I feel the practices the bank uses when collected overdraft fees is predatory. Our account was overdrawn by approximately $3,000. The bank cleared the highest dollar value and most recent check number which was over $37,000 and then cleared all of the lower dollar value and older check numbers and then charged fees on the latter checks, rather than charging the fee on the 1 check which actually overdrew the account.Desired Settlement: Refund of $570 in overdraft fee and for the bank the clear the lower dollar value checks first.

Business

Response:

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