SunTrust Bank

Review: Deposit of a check was made to my account on June 6th, 2013. The check cleared the bank of issue on June 7th, 2013. It is June 11th, 2013 and the SunTrust bank still has this deposit on hold. Is this legal??? My account has not been credited with this deposit yet. When I contact customer service I am placed on hold and eventually my call is dropped by their service organization. Contacted their customer service (oxymoron) several times without any satisfaction.Desired Settlement: Would like my account to be credited with the amount deposited.

Business

Response:

Good afternoon:

We have responded to our client Ms. [redacted] in writing on June 17, 2013. Since Ms. [redacted] did not provide written authorization so that we may share our response with you, please contact the client directly with any questions you may have. Thank you for allowing time for the client to receive our response.

Review: Suntrust positioned large checks to clear account ahead of several small transactions to maximize the overdraft fees. When I attempted to discuss matter with Suntrust Customer Service, I was given the run-around about account access. Once I provided 10 minutes of information to verify account, I was not allowed to speak to a supervisor to go over my account. I was placed on hold twice for over 20 minutes. I was never checked in on while holding, so I assumed no supervisor would provided. I feel that Suntrust should reduce the $628 worth of overdraft fees to cover less than $200 worth of transactions. To properly close this complaint, I need Suntrust to make a good-faith effort in explaining why a large check cleared before several small transactions when a) The transactions were Debit transactions (which should clear immediately), and b) the check was written 3 days after the debit transactions. This is clearly gaming the banking system to maximize overdraft fees at the expense of customers. I also require the overdraft fees to be reduced by half in order for this complaint to be closed.Desired Settlement: $314 of overdraft fees removed from my accounts.

Business

Response:

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

Review: I filed a dispute with all 3 credit bureaus advising them that I settled the account with a creditor of suntrust bank. I paid the creditor on 10.23.2009 $76.12 to settle an old account. But Suntrust is still reporting negative information to all 3 credit bureaus. I disputed with the bureaus an they advised me that I needed to speak with Suntrust. I called suntrust on April 5th to dispute negative reporting. They responded by saying: we have researched your account based on the information provided as well as that contained in our records, an have determined that we are reporting this account accurately to the consumer reporting agencies. I called them on 5.15.13 an spoke with a Ms Gary at 2:45pm an she advised me that the account was charged off on 3.11.08. The last payment they received was 11.14.07. They opened another dispute on 5.15.13 after I sent them a letter with the electronic check payment that was mailed on 5.15.13. I received a response on 6.11.13 an they advised me once again that: we have researched your account based on the information provided as well as that contained in our records, an have determined that we are reporting this account accurately to the consumer reporting agencies. I sent them another letter on 6.12.13 an asked them where is the payment that I paid on 10.23.09. I paid the collection agency which is why in their records it shows the last payment on 11.14.07. Because I settled with the collection agency, Suntrust is reporting to the credit bureaus illegally.Desired Settlement: I want Suntrust to stop reporting negatively to the credit bureaus as of 10.23.09, which is when the payment was made. It should show settled in full.

Business

Response:

Re ID: [redacted]- [redacted]

We received your correspondence regarding the above referenced case. However, you did not include a signed authorization form from the client. Therefore, we are unable to provide you a copy of our response to the client on July 9, 2013. Upon receipt of the signed authorization form, we will gladly share a copy of our response with your office.

Thank you for contacting SunTrust.

Review: My grandmother in her last year of life put me on her checking account during which they put my personal address on file. After she passed I went into our local Suntrust bank and closed out the account. They gave me the money that was in the account totaling over $700. This occurred on 01/04/13. After this I never heard anything out of the bank. Then on July 30th while trying to apply for a loan at a credit union they informed me that there was a charge off at checks systems and on my credit report for over $400 from suntrust bank. I called the local branch and spoke with the bank manager she informed me that I needed to contact the collections agency to handle this issue. I then called the collection agency and ultimately they said that I need to go into my local branch and dispute the charges. After going into the local branch on 08/02/2013 and speaking with [redacted] and discovering that she didn't have the power to do anything I contacted Suntrust [redacted] and asked to speak with a supervisor. I was told that the account that I closed on 01/04/2013 had over drafted on 01/07 from a pending transaction that occurred before closing the account in the amount of $25, which they didnt let me know anything was pending during the closing out of the account. To me not a big deal I would gladly pay that and be done with it, but it is not that simple they didn't close the account as they were instructed to and they never contacted me about the issue at my address that they did have on file knowing that my grandmother had died because they also took a copy of her death certificate. This led to extended overdraft fee on 01/18 another automatic debit out of the account that was not authorized and multiple returned item fees coming from some things that were set up to automatically come out of the account on 02/01, 02/05, 02/12, 02/15, 02/21, 03/05, and 03/07. So not only did they leave the account open after I closed it without any authorization from me and I know none from my now deceased grandmother. They didn't attempt to contact me at my address that they had available they were just sending stuff to my dead grandmothers address where no one was living. They kept charging fees for the account over 2 months after it was closed. Which finally led to me finding out by seeing on my credit report and now they refuse to waive all of the fees that were assessed after the account was supposed to be closed and remove this completely erroneous charge off, off of my credit report.Desired Settlement: I will pay the charge that was pending when the account was closed, that I was not informed about, but no others. I also want this completely removed from my credit profile.

Business

Response:

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

We contacted **.[redacted] today by telephone and provided a resolution to the client. **.[redacted] stated that he is satisfied with our response. Therefore, we are closing our file one Revdex.com Case [redacted].

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: I am and have been disabled for years. While waiting for my disability income from prudential to be approved, I have been charged the monthly fee of $17.00, although I have asked on several occasions, how to avoid the fees, they simply reply, " have direct deposit processed via the account to have the fees waived or to maintain the minimum required balance". I advised them that my direct deposit from [redacted] was pending, until then, could they refund the fees. The request was denied.

I ordered a book of checks and clearly requested the ones that come free of charge as an account benefit. However, I was charged on 11/13/2013. Per the representative, they send me notification that they no longer offer that benefit on that type of account. I am upset, because I never received such communications and have been paying the $17.00 per month, for what? Furthermore, I asked her about the [redacted] rewards, which I noticed, my credits wasn't coming in from SunTrust lately. She also claimed that they have discontinued that program, mailed me notification and offered me the option of getting another card without the [redacted] airlines annual fee. I verified my mailing address with her, which is correct and asked why wasn't I advised of such changes? She claimed they mailed it. As of today, I am still using a [redacted] debit/check card and am demanding my [redacted] miles credits for using the card. My [redacted] Sky miles card is effective from 11/11 good thru 01/2014.

Please resolve the above matter.

Thank you!Desired Settlement: Please refund the fees and award me my delta sky miles credits to date.

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.

I haven't heard from them. and what has happened to my delta sky miles for that period.

Thank you.

Regards,

Business

Response:

Dear [redacted]

We have received and reviewed your correspondence that was

forwarded to us from the Revdex.com regarding statements and online banking access for

the above referenced account we appreciate the opportunity to respond.

Our SunTrust at Work Solid Choice Banking account is an

interest-bearing account that contains a variety of features designed for

clients with multiple account relationships. For instance, the account offered

a [redacted] check card; a 445 discount on a safe deposit box; unlimited

official checks, money orders or travelers cheques, solid theft protection

Classic; eligibility for a Premium Money Market Performance Account is free, a

subsequent check orders in incur a fee.

For this account type a $17.00 monthly maintenance fee is assessed

if the minimum balance requirements are not met. The balance requirement for a

monthly maintenance fee waiver is a $3,000 minimum daily collected balance with

Payroll Direct Deposit, a $5,000 minimum daily collected balance without

Payroll Direct Deposit for a #10,000 total balance between linked deposit

accounts.

As a courtesy, we have refunded three months of monthly

maintenance fees, or $51.00 to your account. However, because we have

determined that the assessed monthly maintenance and check order fees are

valid, the remaining fees will remain.

Our records show a letter was mailed to you in January 2012

notifying you that the [redacted] SkyMiles Classic Check Card program would end on

March 23, 2012. A second letter, reminding you of this change, was mailed to

your in March/April 2012 and included instructions to begin using the SunTrust

Classic Check Card included with the notification. Because the Detail SkyMiles

Classic Card Program was discontinued as of March 23, 2013, we much

respectfully decline your request to receive SkyMiles for the time after the

program terminated.

[redacted], should you have any further questions, please feel

free to contact us at [redacted]. Our representatives will be glad

to assist you. Thank you for banking with SunTrust.

Sincerely,

Review: I signed up for an account with suntrust based upon their [redacted] promotion. 5,000 miles for the account and 1 mile per dollar spent. They took my social security number ran my credit and opened my account after taking $[redacted] from me. Days later I could not access my account via online banking. I had to call (from overseas) at my expense and spend over an hour on the line being told that my account was closed for fraud. It was only open a couple days. No fraud happened. This is a lie. I now have to wait some time to get my money back which they took. Also I will not get my miles. This cost me a lot of time, and also money on phone calls. This bank has disgusting customer service. I'm glad to learn this. I asked to speak with supervisor whos name is [redacted] at Client First in [redacted], and [redacted] didn't put his client first. He stated that he will not talk to me.Desired Settlement: First I want an apology the Executive office, also from [redacted]. I want [redacted] retrained because he is what I call a bad person (a waste of air) he shouldn't be in a customer service position. Not that I would ever go to a place like [redacted], but if I did, I would hope he would be the one washing my tires at the car wash.. I want interest on my $[redacted] which was taken away for several days. I also expect the bank to deposit 15,000 [redacted] miles into my [redacted] account for breaking their deal with me. This compensates for the money I spent, time I spent and major inconvenience..

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: I received a letter from Suntrust Bank stating that my account was to be closed, but gave no reason why just it was an internal decision, I call to find out why the account was being close and explained that there is money in the account and I have direct deposit going into the account every 2 weeks I was told it was an internal decision that I had done nothing wrong, I was not happy about this and said I was going to file a complain and they hung up on me, from what I can see from reading about Suntrust they do this on a regular bases but will not give a reason just its an internal decision.Desired Settlement: To have Suntrust hailed accountable for there actions and Suntrust needs to be investigated to find out why this is an ongoing issue with the consumer

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 closed my business account and refuses to return almost 10,000.00 that I deposited into the account by check that cleared the funds the next day after the deposit. we have spoken to several departments for suntrust, with everyone we're speaking to giving us the run around and false information. we were told it would be mailed to us within 30 days in the form of a cashiers check, then they changed it and said we had to pick it up in person., when we arrived at the bank they then said we needed to be there in person, as we are physically standing in front of them!..through all this ridiculousness we still have not received our funds, which have been cleared for over 30 days!!....Please help to find out why we are being ripped off by this institution. And also put an end to their smoke screen and mirrors business practices !!!!Desired Settlement: DesiredSettlementID: Refund

REFUND OUR MONEY ASAP!!!!!!!

Business

Response:

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

Please close this case on your records.

Review: An old account to which was withdrawn by previous bank error. Opened new account with same bank because of stolen debit card and stolen check book. Offset department with Suntrust did a withdraw from new account to old account that had overdraft without notifying me and now the new account has been charged $180+ in overdraft charges because of pending transactions. They advised me when I called that a letter would be sent to me after instead of giving me the opportunity to pay. Now I have no money to pay for my prescriptions being that I have MULTIPLE SCLEROSIS, and I have no money for gas to travel,or food for my 3 children. A bank error turned into a multiple negative. This is all together inhuman, immoral, un-just!!!! The offset department [redacted] I believe her name is shouldn't be handling consumers money. They should have waited for all transactions to go through before they stole money from my new account to pay off a negative.Desired Settlement: DesiredSettlementID: Refund

I would like a full refund into my existing new account including a refund of all overdraft charges since the offset department was dumb enough to take all of my money when their was pending transactions in the new account. They should have waited instead of STEALING my money.

Business

Response:

Re: Revdex.com complaint #[redacted]SunTrust has responded to our client but cannot share theresponse 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 am not satisfied with the resolution because it caused grief and stress and that week that money was taken from me without notice I didn't have money to feed my children which I expressed to the bank in person and by phone and no one was willing to help me to resolve the matter. I requested my money be refunded to me and all they did was waive their useless fees.

Regards,

Review: On Dec 11, 2014 I called Suntrust Bank to do a stop payment on a check card debit. The representative told me that I would be billed $36 for the stop payment fee and that if the bill came out, the funds would be credited to my account. The funds have been removed from my account, the stop payment fee removed from my account. When I called Suntrust to speak with them on Monday 15 December; I was told the funds would be replaced the morning of 16 December. I woke this morning, and the funds have not been replaced. When I called Suntrust this morning (16 December) they tell me that I can't do a stop payment on a check card. I informed them that when you log into you account and try to do it by CPU, it says call them to complete the transaction. The representative I spoke with told me my calls were recorded, but they refuse to pull the calls to verify representative misleading information. They refuse to refund the money from the bill - $139.22 ([redacted], has not received the funds) that I placed a stop payment on and they refuse to refund the $36 stop payment fee.Desired Settlement: I expect that since I paid for a service offered ($36) that money is refunded and the $139.22 be refunded for the bill; [redacted] has still not received money as of 10:52am on 16 December.

Business

Response:

We have responded to [redacted] by letter on December 30, 2014.If you have any questions about our response, please contact [redacted].Sincerely,[redacted]

Review: I have had an auto loan with Suntrust for 3 years and 8 months. I have had one issue when the account fell 60 days behind. That was rectified ASAP. My payment date is the 8th of every month. Based on my pay schedule at work, I make my payment EVERY MONTH at a Suntrust Branch and usually the 3rd Friday of the month. I have paid this way for over 3 years. I understand that the collections department has a job to do however, the collections department uses an automated dialer and calls the same number 6-7 times per day and leaves 6-7 messages per day at one number. There are 2 additional numbers on my account that do not receive ANY calls, period. The number that is called is a co-signer, someone who has nothing to do with the loan or payments. I have called in a requested that MY number be the first number called on several occasions. On January 12, 2015, I spoke with 1 rep and 1 supervisor. Neither of them seemed to know the correct procedures as to simply placing MY number as the first number of contact. First I was told the other person needed to tell them not to call, I explained that person has expressed on NUMEROUS occasions not to be called, then the rep stated that the request needed to come in writing, which is NOT correct. I then requested to speak with a supervisor who tells me that the person needs to tell them not to contact them, AGAIN, I explained to him that the person has expressed that and requested 4 times during the call to please just put MY number first. Then the supervisor tells me the procedure is to send a fax. I am simply asking that MY number be called first. I did not request the other to be removed, just to not call that number 6-7 times per day and leave 6-7 messages per day. I explained to the supervisor the collections department can call me as many times as they want, just to call my number.Desired Settlement: The resolution I am looking for and requesting is that the collections department call MY number first everyday and speak with me since this is MY car and responsibility.

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.

Review: My account has two different routing numbers somehow. When I gave my account number to have my income tax deposited it did not go thru. I went to suntrust and they said their is nothing they can do call the customer service. I do not understand why it did not go thru when it has before. When I called the customer service people the said the routing number on the checks they have given to me were wrong or different. The woman I spoke to did not seem to care and would do nothing to help not even let me speak to a manager. My $2400 dollar tax refund is in limbo now.Desired Settlement: I want to know why I am having this much trouble to rout my tax income and what are they going to do about it. For my income tax to be deposited.

Business

Response:

Re: [redacted] Revdex.com Case [redacted] We responded to Ms. [redacted] by phone on March 19, 2015. If you have any questions about our response, please contact Ms. Malaney. Sincerely, [redacted] Vice President and Manager Executive Services

Review: To whom it maybe concern:

I would like to file a claim against SunTrust bank due to they denied the claim I submitted. Sun trust has not sent a reason of why they rejected my claim. I submitted my claim more than a month ago and has not gotten a reply other than they denied my claim. I submitted proof that I was not in the city when my identity was stolen by someone using my debit card while on vacation. My name is [redacted]. From February 14, 2015 through February 17, 2015, I visited Dallas, TX. I used my SunTrust Bank debit card to purchase all my expenses on those 3 days. I left Dallas, TX to return to Atlanta, Georgia on the 17 February, 2015. I have my airline ticket check-in for the proof. However, someone stole my SunTrust Debit Card and charged at different stores in Dallas, TX from February 24, 2015 through February 26, 2015 while I was back in Atlanta. I also have proof from my work place that I was working at the shop from February 24 through February 26, 2015. I immediately call SunTrust bank to cancel my debit card and disputed those fraudulent transactions. I list the fraud transactions below. SunTrust representative documented the claim and told me to wait for the result of the investigation. On March 10, the SunTrust contacted me to inform me that they denied my claim. I had contact SunTrust many times to dispute again and ask for the explanation of the denial. However, they still ignore my dispute and request. According to FDIC, customer’s account is 100% protect and a refund for any fraudulent incident. Please help me to contact SunTrust and resolve my claim.

Sincerely [redacted]

Fraud transactions:

February 24, 2015:

[redacted] $4.19 [redacted] $10.00 [redacted] $15.98 [redacted] $118.67 [redacted] $192.24 [redacted] $51.03 [redacted] $73.63 [redacted] $84.27

February 25, 2015:

[redacted] $4.25 [redacted] $59.52

[redacted] $116.83

February 26, 2105: [redacted] $21.64

March 17, 2015: [redacted] $250.66Desired Settlement: On March 10, the SunTrust contacted me to inform me that they denied my claim. I had contact SunTrust many times to dispute again and ask for the explanation of the denial. However, they still ignore my dispute and request. According to FDIC, customer’s account is 100% protect and a refund for any fraudulent incident. Please help me to contact SunTrust and resolve my claim.

Business

Response:

Dear [redacted]: We have received and reviewed your correspondence forwarded to us from the Revdex.com and the [redacted] regarding unauthorized transactions on the above referenced account. We appreciate the opportunity to respond. Our records show that you contacted us on February 25, 2015 to dispute several unauthorized transactions on your account. A claim, Case [redacted], was established for you at that time. We received your completed affidavit and began our investigation. Our Fraud Assistance Center informed you that your claim was denied on March 10, 2015. · After reviewing your case again, you stated you were in Dallas, Texas from February 14 to February 17, 2015, and the transactions in question were negotiated after you left Texas. We determined that errors occurred in setting up your case that resulted in incorrect conclusions in our first investigation. The case was corrected, and your claim was honored on April 14, 2015. On that day $926.46 was credited to your account, as indicated in our April 15, 2015 letter to you from our Fraud Assistance Center (copy enclosed). In addition, enclosed is a copy of your April 20, 2015 statement showing this credit. We regret the delay in the resolution of your claim. You are a valued client, and we hope this information is helpful to you. If you have any questions regarding your accounts, please contact us via your Online Banking Profile or call us at 800.SUNTRUST (800.786.8787). One of our representatives will be glad to assist you. Thank you for banking with SunTrust. Sincerely, [redacted] Officer Client Advocacy T earn

Review: I have been making payments larger then my payment due.Expecting the over payment amount to go on principle. I have put a note on my payment stating so.... as they requested and it is still not put on the principle unless I call and request it.I have had to call on 4 occasions to have them put it on the principle.bout 14 months of payments.This is after they keep telling me each time the problem is fixed and not to worry about it.Desired Settlement: DesiredSettlementID: Other (requires explanation)

Have them put my overpayment on principle without having to check on them to handle my account correctly.

Business

Response:

Dear Mr. [redacted]: We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding the allocation of monthly payments to your above referenced account. We appreciate the opportunity to respond . We regret you were not satisfied with the service you received when you contacted us about the extra payments not being applied to principal as you requested. Please be assured your comments concerning this matter were forwarded to the appropriate management area . The information you have provided helps us to know where the emphasis tor future training and process improvement efforts should be placed . Your account has been reviewed, and all payments have been corrected (copy of payment history enclosed). In addition, we have notated your records to apply all extra payments as principal. Mr. [redacted], we hope the information contained in this letter will alleviate any further concerns. If you have any questions or need further assistance, please contact us via your Online Banking Profile or call us at 800.SUNTRUST (800.786-8787) . A representative will be glad to help you. Sincerely, [redacted] Assistant Vice President Client Advocacy Team

Review: Suntrust bank is claiming that I owe money from over 7 years ago with no explanation of charges. I closed out these accounts as well as already paid them off. They are now reporting me 7 years later and I don't know why. I contacted them when I found out by another bank they were reporting me and asked for proof and a itemized bill. I called over a month ago and the representative told me that they'd be sending something to my address to prove I owed money and never did. I called again and the same thing. Still no bill no proof no nothing. They are liars and are illegally reporting me. They are unethical!Desired Settlement: I want them to put my balances at $0 and stop reporting me as I owe money so if I need a bank or anything it wouldn't be a problem.

Business

Response:

We responded to Ms. [redacted] by letter on May 14, 2015 requesting additional information necessary to investigate her complaint. Client did not provide needed information and case has been closed. If you have any questions regarding this case, please contact Ms. [redacted]. Sincerely, William R. Hagen Vice President and Manager Executive Services

Review: I opened a online Suntrust account a few weeks ago and went into the bank and also created a Money Market Account. I accidently used a old bank check book for my deposit on one of my checks. It caused my accounts to be come inactive and I could no longer see the money deposited into the accounts from the [redacted] bank deposit. I could nolonger access my accounts and when I called Suntrust, I am unable to get to money deposited until they perform an investigation. I told them that I accidently used an old checkbook but they continue to with hold money deposited into the Checking and Money market account. I just want my money and will never use them again.Desired Settlement: Send me my money and close out my account, I will find a better bank.

Business

Response:

SunTrust has responded to our client but cannot share the

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

Review: I had an old joint account that went negative and I was unaware that when it was closed (not by me) it was negative. Anyhow, they debited my current account $300.00 ( of what I told was fees). The problem is that I didnt know that this was going to be coming out of my current bank account (also with suntrust and opened many years). There had been NOTHING sent to me about this old account. This has put me into a bind and when I called both customer service and the recovery Dept. I was told no one could do anything about it. When we looked at the old account, there was an ATM withdral that was done while there was an negative balance (which I have now learned from customer service that this is procedure). The bank then charged 36.00 for that. Then they charged over $130.00 in fees on this said account. They also took $312.00 from my account and the balance when that account closed (according to suntrust.com) is $286.00. So im not sure which "FEE" the extra was.

I have been a customer with them since I was 13. Im 40 now. This is unacceptable. This is a shady way to do business. I would have set up an agreement to make this right, but letting a CURRENT customer know about this would have been beneficial.Desired Settlement: I would like the $130.00 in fees refunded. When the ATM transaction was attempted and the account was negative, they should never have given the money to my joint person. and by doing that. we incurred several fees.

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: On May 18th, 2013, my son purchased a [redacted] from [redacted] in Delray Beach. I cosigned the loan to ensure he be offered a lower interest rate. My credit score was in the 850’s. Financing was procured through SunTrust Bank. I received no communication from the bank until December 2015.

At the dealership, I was assured that if payments were not made in a timely manner, I would be notified immediately. Once I assumed the payments, the car would be delivered to me, and ownership transferred to my name.

The letter received in December of this year stated that the payments in the account were late and that the total amount due was $499.65, payable by December 10th, 2015. If payment was not made by the 10th, SunTrust would exercise the right to repossess “the above described collateral”.

My son paid the total amount due on Dec. 4th, 2015, confirmation #[redacted] This was later confirmed in a letter. When he made the payment, the SunTrust agent told him that he had not and would not be reported to the credit agencies.

On Dec. 7th, I received a notification from my own personal identity theft protection service advising that there was a change in my credit score. The reports were submitted on Dec 4th and on Dec 7th after the total amount due was paid on the 4th.

I called SunTrust Bank to 800-828-7959. The phone conversation with the agent and then a supervisor was highly unprofessional.

I was told the payments had been late in Aug, Sept, Oct, and November. I asked why I had not been notified until Nov. when the car was in danger of being repossessed. The reply was that letters had been sent to my son. I explained that although the address is the same, any correspondence addressed to him is private and by law, I cannot open them. No explanation was offered as to why I had not been notified. I explained that as a cosigner, I am financially responsible for the debt but that I cannot satisfy a debt I am not aware of. Visits to the branch produced the same resultsDesired Settlement: I am hereby requesting that the reports be withdrawn based on the fact that I was never given notification that the payments were in arrears. I was not contacted in writing, by phone or in person until the letter dated Nov. 24th, 2015, which I received the first days of December.

Secondly, the report was sent to the credit agencies on Dec. 4th to one and Dec. 7th to the other, on the day the payment was made and after the debt had been satisfied. The letter received from SunTrust clearly states that action would be taken if payment was not made by Dec. 10th.

Thirdly although I cosigned on the loan, it cannot be expected that the person responsible for the loan will notify the cosigner that payments are late. It is poor and negligent business practice for a bank not to notify a cosigner on a loan default, not only for my benefit but for their own. Had I received a letter or call, the loan would have been paid immediately.

Business

Response:

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

Consumer

Response:

I have reviewed the offer and/or response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.I have not received any resolution, response or offer from SunTrust Bank. They have not contacted me by mail or email. I received one courtesy phone call during which no resolution was reached by either party. They continue to charge late fees from previous months, even though when the account was paid in full, no late fees were charged and the balance was zero.

The reports have not been withdrawn from the credit reporting agencies by SunTrust.

I further learned that when the balance was paid in full, an automated recording stated that there had been no reports to the credit agencies at all for the primary holder of the account. That statement is false, as we were both reported as late to Equifax and Transunion. My complaint that I was not notified of the account being late still stands. What's more, SunTrust continues to fail in communicating with me, a case in point being the resolution to this complaint. I have not received any direct response.

Regards,[redacted]

Review: I had a fraud item on my account, for 55.00. I notified the bank immediately.. I advised the bank that with this payment being taken out , it would cause overdraft fees. I checked my account and on my account, it showed that I had a positive balance when I used my account and even though there was money in the account I was charged 36.00 overdraft fees. I spoke to 6 different reps to find out that they filed my claim wrong and that I would have to pay the overdraft fees even though I was a victim of fraud. I have requested that the fees be reversed and put back into my account. The last person I spoke to Summer a manager in Tennessee said that my claim was filed wrong, that they didn't know what can be done, when it can be done and that I would have to pay the fees until they decide if I would be charged or not. My account is now overdrawn due to all the overdraft fees and my direct deposit will go in and all the fees over 200.00 will be taken out of my paycheck until the bank figures out what they can do to help me. when I told the bank they were defrauding me and doing this to get fees they dismissed it and wouldn't help me. I was a victim of fraud and should not be held liable for overdraft fees if I didn't authorize the initial charge.Desired Settlement: I would like all the overdraft fees 36.00 at 7 charges. credited back to my account and also the $55.00 that was fraudulently taken out of my account totaling $307.00

Business

Response:

Re: Revdex.com complaint# [redacted]

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

Review: cashed a stolen check out of my checking account on 11/16/ 2015 and will not put the money bank .They mailed my checks to the wrong address and they said how do you no we mailed them to the wrong address ,the wrong address is on the checks they are a joke once this is resolved I hope I never hear their name againDesired Settlement: I just want money back

Business

Response:

Re: Revdex.com complaint # [redacted] SunTrust is currently reviewing the client's concerns and formulating a response. If possible. please extend this case and we will contact you as soon as a response is mailed.