SunTrust Bank

Review: On 7-22-16 I attempted to use my check card to make a purchase. The card was declined, however there were plenty of funds to approve the purchase. The first time we called we were told the card was in fraud, the second time we called we were told my card was deactivated because they decided to send ne a new one (that I never received). They stated they notified me via email. After replying I do not use email for banking they changed and said they mailed a letter. After telling I did not receive a letter I was informed that this happens a lot, customers are not notified even though their notes say they were. They refused to re-activate my card even though there were funds available. I asked if I closed my account would I be able to remove the funds. Was told yes. We went to a branch and were denied our funds and told they could have reactivated the card if they wanted.

I would like to know why this bank is holding my money, denying me access to it and refusing to close the account. Even the bank coworker said we are not being treated properly.Desired Settlement: Reactivate my card, and grant me access to my funds.

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. Kathy B[redacted]

Review: The company has been charging me overdraft fees for the past three to four week and they charge me a $36 dollar fee for 22 cent!!and 162 was drafted due to fraud and wasn't refund back to me!!Desired Settlement: I want my money back!!!

Business

Response:

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

Review: Suntrust Bank Tucker buck shopping center stole 100.00 from me.Desired Settlement: My money back ASAP!!!!!!!!! Should get 200.00 for the way this was handled.

Business

Response:

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

Consumer

Response:

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.

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

Regards,

Review: I have tried to contact this company about a $36 stop payment fee also I called to speak to them about a $36 overdraft fee as well as now setting up products on my account that I did not ask for that are causing me to receive fees. Every time I try to speak to some one at the bank I always get a person in another country that I cant understand and they can understand me. This situation is getting out of hand and every time I try to get help nobody wants to help me.Desired Settlement: I would like for the bank to admit there wrong and refund back my money.

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: Okay lets start with the real problem is that I tried to do mobile deposit and despite deposits in last 5 months 20 days totaling over 50,000 I can not make deposit. Second is the manipulation of charges resulting in extra over draft charges,multiple issues of that. Then despite me telling bank an unauthorized charged has occured they let it although still pending go through.my local branch you cant get on phone and messages are never returned or cant be left most of time. Lastly calling cust service today I was left on hold for well over 30 mins then being hung up on.finally after multiple attempts to lie to me I get incompotent mng (robert berry) on phone who resolved none of my problems. Beyond frustrated with these peopleDesired Settlement: I want my several overdraft charges refunded,I want a call from us customer service agrnt and apology.

Business

Response:

SunTrust has responded to our client but cannot share the

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

Consumer

Response:

no its not settled im more furious with them by the day they gave temp credit only to steal it back. I really want my money fixed. its costing me loans all sorts of problems. they keep telling me they will send documents I ask where are these documents . now since getting Revdex.com involved they are closing accounts. just shows you the bank im dealing with . maniuplating charges,false advertising (zero liability) just return my 1800 and charges I occurred cause of it,fix the charges stimming from several charge manipulation incidents,once thats returned im more than happy to cut all ties with this so called financial institute. I mean customer service is so bad they cant tell me anything including deposit limits when asked. had several incidents where they say their investigators well if its their investigators how come I cant talk with them or see proof of these transactions being shipped. they dont have investigators. if you claim zero liability then honor it and return my funds.you are put on wait/hold in excess of hrs and they pass you along from so called supervisor to so called supervisor. laughing in background im so furious ive gave them almost 3 months for my money to be returned and they tell me have to appeal one more time which drags out few more weeks

Review: My husband & I opened a checking & savings account with suntrust when we moved from pa to Florida. We began the process online while we were still in pa in order to get our debit card & banking process started so we wouldn't have to wait so long for access to our account. We were told to go to a branch location when we got to Florida to finish the process. We did this. When we started the process online suntrust had a promo in which we would get a bonus of $300 for opening a checking account. We were assured by the customer service representative that we were eligible for this promo. After 2-3 months had passed & I didn't see the bonus in our account, I called the branch where we opened the account & spoke to the branch manager. She was very rude! She told me that the promo was not going on when we finished the process at her branch. I explained to her that we started the process online & were told we would get the bonus. She basically told me that that had nothing to do with her branch & there was nothing she could do for me. She seemed annoyed & acted like I was bothering her. We had several issues with this particular branch. When we opened our accounts the teller did not give us a paper that we needed to turn in with both mine & my husband's signature on it in order to be able to use our debit cards. I believe it was a week or more that we could not use our debit. I went to a different branch & was very upset. That branch manager explained exactly what was going on & gave me the paper we needed. Another time I called the branch in which we set up our accounts & told the gentleman that we got a message about going green where we wouldn't get a paper statement, but it didn't show up on our online account. We were not supposed to be charged a fee on our savings account if we agreed to go green. This gentleman assured me that he went into our account & signed us up to go green & we wouldn't be charged a fee. We were charged a fee on our savings account after this.Desired Settlement: I would like to have the $300 bonus put in our checking account & be refunded the service fee that we were charged on our savings account.

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 authoriza:tion 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 spoken to Diane Evans or anyone else from Suntrust bank. I received a voicemail about 2 weeks ago stating that someone from Suntrust would be calling me within 10 days. I never got a call from Suntrust bank. I am offended that Diane sent you a cover letter stating this matter has been taken care of when I never received an offer from them. Diane Evan's correspondence is a blatant lie! There are plenty of other banks that I can entrust with my money if this is how Suntrus chooses to treat it's customers. We have had pRobles with them from the beginning and it doesn't look like they want to treat us any better. If I don't get a response from them by the end of June, I will go to another bank.

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

Regards,

Review: I bank with sun trust and use their app to do my banking as I live in NYC. I recently lost my job so during the week of december 31 2015, I went onto the mobile banking app to cancel all pending pending payments as I would not have the funds to cover as I was unemployed at the time. I made sure that my pending transactions were cancelled and I had no pending bills. I went to check my bank account today to see if my unemployment hit; when I checked my bank account not only did not all of the payments cancel the bank allowed the transactions to process with no funds in the account even after I cancelled all three dates of payment (there were three payments set for each date) the only cancellation that registered was for the date of 1/4/2016. I spent an hour on the phone trying to explain to 3 different reps that I made sure I cancelled all payments arranged on the account because I knew I would not have the funds available. Even when the account was negative. They allowed another transaction to come through on the account causing another overdraft fee. The reps are telling me that because the cancellation did not process of their end through the mobile banking app I would have to provide a confirmation number. I do not have one as when I checked my pending bill pays there were none listed. Now checking my bank account they allowed the payments to go through on the 8th and still have more pending payments set up for the 15th although those too were cancelled. They refuse to admit that there could've been a problem with that app that caused it to not register on their end. so I now have no bank account for use because I cannot afford to pay $166. they have on multiple occasions held my payroll check causing me to pay rent late and now the mobile app glitches and I have to be held responsible.Desired Settlement: I want all my overdraft fees returned and I would like to close my bank account with sun trust with no penalty.

Business

Response:

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

Review: I frequently make cash ATM deposits with SunTrust. On three occasions in 2015 the ATM took my deposit, said there was an error and didn't deposit my money into my account. The first two times everything was settled in days, no problems. This past time the claim process has been a nightmare. I was promised resolution in 3-5 business days. 10 business days later (2 weeks in the real world) my claim was denied claiming there was no error. The ATM produced a receipt which literally says there was an error on the transaction in dispute. After having to call numerous times and climb the ladder to a manager someone finally asked for a copy of the receipt, which I faxed over. One day later the claim was closed and denied stating there was no error. During the time of this "investigation", my money was held hostage and I feared to make any deposits into my account. I have been a loyal account holder for years and am now dumbfounded and bewildered at how cold this institution has been to me over a mere $130 which I needed to pay bills. Now my account is in default by nearly $600 and they are claiming that I am responsible for it. I feel like I've been lied to and stolen from from a company that I have trusted with my hard-earned money. Do not bank with SunTrust, they'll take your money when you owe them and they'll take YOUR time when they owe you. Worst experience/investment of my life.Desired Settlement: I simply want to settle my account minus the extensive overdraft fees assessed during SunTrust's two week "investigation" process. I will close my account and move on to another institution.

Business

Response:

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

Review: I was charged a total of 6 overdraft fee's on 3 different days, and when I called to discuss the issue with the bank I was given different conflicting information from multiple associates including management. I currently provide for myself and 2 younger brothers who were kicked out by our parents the day they both turned 18. On October 20th 3 pending transactions posted to the account, at which time my account still had a positive actual and available balance. My landlord needed half of my rent payment, so I knowingly overdrew my account by making a withdrawal so I could pay rent. I was then charged overdraft fee's not only for the withdrawal, but also the transactions that were posted to the account while it still had a positive balance. Suntrust reversed the order of processing and changed the transaction dates specifically so they could charge me overdraft fee's. The same thing happened a week later on the 28th when the rest of my rent was due. I fully expected to receive an owe an overdraft fee for both withdrawals. I need to take care of my brothers and if I have to pay a little more to the bank on the side to due so I am happy to do that. I am however not okay with attempted theft. I specifically checked my bank account to verify that the transactions had already posted, and I called the bank to verify that if I performed a withdrawal I would only be charged an overdraft fee for that transaction, and any other transactions that were still pending. I was SPECIFICALLY told, as I was concerned about the 3 transactions in question that had already been processed and was told that since they were already processed and posted I would not incur any fee's for them. Lo and behold I was then charged a total of $216.00 in additional overdraft fee's. My account beyond that probably has another $400-500 worth of fee's following those transactions that are completely valid and I am happy to pay. The charges in question I was specifically told would not be incurred.Desired Settlement: I want the 3 overdraft fee's from October 20th and the 3 overdraft fee's from October 28th refunded to my account. I am not being unreasonable, the transactions were processed AND posted while the account had a positive balance and therefor I am not liable for them. Multiple suntrust associates that I spoke to on the 28th including a Nate, a Johnathan, Monique Orbin have all agreed that the transactions posted while I had a positive balance but "this is just the way it works".

Business

Response:

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

Review: In early July 2013, I went to SunTrust branch at [redacted] to request copies of lost deposit slips of a now-closed SunTrust business account from calendar year 2006. This was the beginning of an unbelievably frustrating sequence of events: The head teller took the request & I requested a phone call with a) how long would it take & b) how much (approx.) would it cost? A week went by & no call. I went back to branch. They said '[redacted]'(?) would be calling me. Several more days went by & no call from [redacted] or anybody else from the branch. Went back & they said "He didn't call you? Well, he's on vacation now". I went to Branch manager [redacted] at this point. It's now mid-July & my (expensive) forensic accountant is at a standstill. [redacted] tells me the system kicked out the request because it was on a closed account & the 'system' didn't have an account to debit! I offered a credit card, a blank check or even cash & assured her we would pay for the requested documents! She & head teller reentered the request & said they'd call when they got an email from someone in that dept & that it was impossible to actually 'speak' to someone. Hard to believe, but whatever.... I just need these deposit slips! They said they'd call but didn't----went back to branch Tue. 7/23. [redacted] said should have via inter-bank mail Thur or Friday & that they'd call me. I went back to branch at 2:30 Friday July 26th. [redacted] goes to back office & comes out with a large stack of paper. Looks like I've finally got it! (excited, even though my accountant is now out of the state on another project). [redacted] starts counting & gets on the phone. She then tells me there are 216 pages & at $5.00 per page total is $1080. I knew from the documents that weren't lost that we had averaged 10-15 deposits per month & that SunTrust would only produce July-Dec 2006 (they said they were only required the save documents for 7 yrs). So, 6 months of deposit slips at $5 per should have been (est.) $300.--$450. She then says she can only accept certified funds or a bank check! really? A bank won't accept cash?? Since when? I asked [redacted] to call her area manager. I didn't request & don't want each check from every deposit---(copied both sides(?)---not sure, she wouldn't let me see them!) All I want & all we're willing to pay for is the deposit slips requested. Period. Got a call back from [redacted] a little after 4pm. She'd spoken to her manager ([redacted]?) & they refuse to: a) give me what I requested b) reduce the costs due to the comical series of events that led to nearly a month-long delay in getting this requested info. Ironically, poor customer service is exactly what led me to close my business account with SunTrust (in Jan. 2012?) in the first place! Seems they haven't made any improvements.....Desired Settlement: I want SunTrust to give me the information I requested (only) and at a fair price. If I have to pay the ridiculously overpriced $5 per page, I will--but ONLY for the information I requested, not the hundreds of extra pages of 'fluff' SunTrust's research dept. decided to add to this request in an obvious attempt to run the bill up needlessly!

Business

Response:

Re Revdex.com complaint # [redacted]

On August 8, 2013, the manger of our [redacted] called [redacted] to inform him that we would provide the deposit slips he requested for a fee of $ [redacted]. [redacted] agreed to the fee. He visited the branch that afternoon and was provided with the deposit slips.

Please close this case on your records.

Review: I had a SunTrust Consumer Credit Card. When husband became unemployed, I proactively contacted ST and set up hardship payment plan (approx in 2011). Account was closed and monthly payment set at $107/month. I have paid this amount every month since. I have not missed a single payment. SunTrust charged off my account with no warning and sold debt to [redacted]. [redacted] calls and harasses me and my family. I am STILL paying SunTrust every month as agreed. I have contacted SunTrust repeatedly for assistance. I am told that the account no longer exists at ST and to contact [redacted]. [redacted] threatens me for full payment of balance. Again, I am still paying SunTrust the agreed upon amount every single month. They accept my payment every single month. I have been promised escalation by ST and a call back. No one ever calls. This has been going on for months. SunTrust has reported account as a charge off on my credit report. Credit ruined. Need this fixed ASAP.Desired Settlement: I want my account reinstated at SunTrust. I want [redacted] harassment to stop. I want my credit report amended to reflect that I have and am paying this account as agreed. I want SunTrust to fix this.

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 did not authorize company on any services.Desired Settlement: Remove inquiries from all 3 credit agencies.

Business

Response:

We

have received and reviewed your correspondence forwarded to us from the Revdex.com

regarding the credit reporting inquires. We appreciate the opportunity to

respond.

While

It is not entirely clear from your correspondence what service or reporting you

may be contacting us about, our records reflect that the above referenced Loan

ending in [redacted] was paid in full on March 28, 2006. As for SunTrust credit

reporting, I have been advised by our Credit Disputes Department that SunTrust

is not reporting the above referenced account to [redacted].

We

will be glad to research his matter further; however, we will need additional information

from you. Please send a clear copy of your credit report showing the account in

question. Also, please provide me the name of the credit-reporting agency on

which the account is shown. For your convenience, I have [redacted] a postage-paid

envelope for you to use in sending this information to me. Once I receive it, I

will contact you with my findings.

[redacted] we look forward to hearing from you so that this matter can be resolved.

If you have any questions, please call me at [redacted], Monday through Friday

from 7:30 a.m. to 4:30 p.m., ET, to further discuss this matter.

Sincerely,

Consumer

Response:

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

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

Regards,

Item in questioned is Oct. 11th inquiry on my credit report. I did NOT authorize Suntrust to check my credit. I will NOT allow Suntrust to access my credit report again. Remove the inquiry.

I deposited a check into my new suntrust on 8/13& have been recieving the run around about when the fund were going to be released... As of now they are saying 8/22 because they are waiting on the check to clear or investigating the check when it has already cleared my jobs account. They are more of a headache than anything & I wont put up with them holding my money....noone ahould have to go through this. Please steer clear.

Review: For simplicity I will start with just the main complaint. I had a pending charge that would cause my account to go into the negative. I made a deposit to cover the charges although one of the charges I did not make and their system would not allow me to dispute it because it was still pending, but I deposited enough to cover the charge anyway. The charge was $13.98 and my balance was $15.09 - however I was charged an extended overdraft fee that was not showing as pending or anything when I made the deposit. I asked what this was for and was not given a clear answer. I had a positive balance and there was no reason for an overdraft. However, over the weekend the $13.98 charge (that I have now disputed) has cleared and I was charged a second overdraft fee. This bank has closed it's location in my area ([redacted], Arkansas) and I made a trip to the bank in Memphis, TN to make the deposit to cover these charges. My intentions are to clear this account to $0.00 so that I can close the account. Secondly - when I made the deposit, I asked them to close my checkcard, as I have already cut it up and opened an account with a different bank. At that time the teller informed me that I had 2 active check cards, which I did not know. There is no reason for 2 active cards. I have since made sure that all cards have been closed. I have made numerous attempts on their website with customer service to get this taken care of or to explain why I am being charged fees. No one is able to refund the charges nor give me a direct answer. Also I was charged a $4.11 Maintenance fee that I was unaware of, as I have had this account for years and have never been charged this fee. I was able to dispute the Amazon charge of $13.98 now that it has processed.Desired Settlement: I want all fees refunded - 2 charges of $36.00 and one of $4.11 = $76.11 and the [redacted] charge = $13.98 investigated and refunded.

Business

Response:

Dear [redacted],

We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding an extended overdraft fee that was assessed to your above referenced account. We appreciate the opportunity to respond.

When you opened your account you were provided a copy of our Personal Accounts Fee Schedule (copy enclosed) which discloses the extended overdraft fee. An

extended overdraft fee is assessed when an account is overdrawn for seven consecutive calendar days. If the account is positive by the encl of the seventh

consecutive day, an extended overdraft fee will not be assessed on the next business day. To avoid the fee, clients need to bring the balance positive by cut off time on day seven. SunTrust begins counting on the first day the account is overdrawn, keep in mind that weekends and holidays count as part of the seven day count. On September 22, 2014 your account balance was negative. In order to avoid the fee, a deposited needed to be made by cut off time on September 28, 2014. Since a deposit was not made, on September 29, 2014 the $36.00 fee was assessed. Our records reflect that, as a courtesy, the fee was refunded on October 14, 2014.

The extended overdraft fee overdrew your account, which left you with a negative balance of $20.91. Therefore, when the transaction for $13.98 was presented for

payment there were not sufficient funds in the account to pay the item and the account was assessed a $30.00 overdraft fee. This left you with a negative balance of $70.89. As a courtesy, the overdraft fee was refunded on October 7, 2014.

In reference to the $4.11 maintenance fee that was assessed, please let me explain. There is a $7.00 monthly maintenance for the Everyday Checking Account if you do not have a qualifying direct deposit or do not maintain a $500 minimum daily collected balance. This is disclosed on the attached Fee Schedule. For the statement period of August 21 through September 19, 2014 you did not meet either of the requirements. On September 19, 2014,the closing date of your statement period, your account balance was $4.11. Since the account balance was less than $7.00, we only debited $4.11 for the maintenance fee.

The credits for the transaction from [redacted] were credited to your account on October 2, ($.01) and October 7, 2014 ($13.97). We.regret that your debit cards were not closed when you requested. We show that all debit cards are now closed.

[redacted], we hope the information provided is helpful to you. If we may be of further assistance, please don't hesitate to call [redacted] or visit any SunTrust branch. Our representatives will be glad to help you. Thank you for banking with SunTrust.

Sincerely,

Assistant Vice President

Client Advocacy Team

Very anti-customer business policies, poorly trained teller and branch manager, policies stated by "call center" personnel contradict policies stated by branch staff, failure to fully disclose depository policies.

Review: on Jan 11, 2015 I employed the services of a company. The merchant came to my home around 3:00am Sunday morning. I gave my ID and credit card to the person. He swipped my card and Suntrust blocked the transaction. Tried 2 more times. Both were blocked. Suntrust now shuts down my card due to the nature of the merchant. I asked the person to leave. I called Suntrust the next day and told them not to process any transactions from this merchant. They said ok, the merchant has now been blocked from any additional use. a week, later, the merchant charged my card $600.23. They soon gave me credit but not without a huge fight. The next day, the merchant charges my card again and this time for $700. I called suntrust and immediatly reported the transaction as fraud. They deactivated my card and told me they would send me the paperwork. They were to e-mail it. I gave them 2 email addresses and they could not get the paperwork to me. They said they would mail it. It never came. I have to physically go to the local branch to file the complaint. I waited and waited. They contacted me and said they would give me credit. Just the other day, 5/11/15, they reversed the credit and sided with the merchant. Apparently the merchant did such a good job falsifying the documents, Suntrust sided with them and said, I signed the document and also signed the invoice. I did not. Suntrust has considered this closed and refuses to hear addtional evidence from me. The merchant had my id and credit card number stored in his machine. Suntrust will not loot at the fact that the card was not swiped and present at the time of sale. Also, Suntrust will not look into the fact that they rejected this merchant originally. They have records of that. I am a preferred customer with Suntrust. My mortgage, safty deposit box, 2 accounts and a line of credit. All in the process of being terminated.Desired Settlement: I want credit for $700.

Business

Response:

Dear Mr. [redacted]:We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding your above referenced merchant dispute case. We appreciate the opportunity to respond. Our records show that your debit card purchased was declined wtih the merchant on January 10th, 2015 because the transaction was outside of your normal spending pattern. The transaction caused an immediate security block to be placed on your debit card. Please note that this transaction was not declined based on services provided by the merchant. On January 18, 2015, the merchant presented an item for $600.23 that did not trigger any security flags. While this item was allowed to post to the account on January 21, 2015, it was credited back to the account by the merchant on January 22, 2015. On January 20, 2015, the merchant presented an item for $700 that also did not trigger a security flag and was allowed to post on January 23, 2015. During our review of your claim against this transaction, the merchant provided multiple types of evidence that indicated the payment was authorized by you. However, because you were able to provide further evidence of your claim to Ms. Crystal Cushenbery, Loss Prevention Manager, on May 8, 2015, the decision was made to honor your claim. For this reason, a credit of $700 was made to your account on May 8,2015. Mr. [redacted], we hope the information provided is helpful to you. When you have questions or concerns regarding your accounrs, please do not hesitate to contact us via your Online Banking Profile, call us at 800.SUNTRUST, or visit any SunTrust branch. A representative will be glad to assist you. Thank you for banking with SunTrust. Sincerely, [redacted]OfficerClient Advocacy Team

Review: We do not owe this. Suntrust wouldn\'t help with fraudulent activity from [redacted]. I closed account. How we now owe $2514 I don\'t know. If they failed to close account and more items came through the account that\'s not our problem. How an account can go that negative is beyond me. Seems suspicious. Previous working at a bank I know that fees cannot be added to closed accounts. I also know that accounts have a maximum they can go negative which is $500. If account wasn't closed etc that's not my problem. How it's $2514 owed is very suspicious.Desired Settlement: I want this charged off as account was closed. I never received further statements so I assumed account was properly closed. We do not owe this. It's not possible.

Business

Response:

We responded to Ms. [redacted] by letter on April 13, 2015. If you have any questions about our response, please contact Ms. Murray. Sincerely, [redacted] Vice President and Manager Executive Services

Review: My personal checking account was charged overdraft for more 1 item. Almost 7 different overdraft fees. I called and they told me there was nothing they can do. From my understanding if items are returned without being paid I should not be charged for the overdraft. I have been with this bank for years now and this is the first time its happening.Desired Settlement: I need someone to credit my account for those transactions

Business

Response:

Re: Revdex.com complaint #[redacted]

SunTrust has responded to our client but cannot share the

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

Please close this case on your records.

Review: Suntrust Bank [redacted] On July 30th 2014, I made an additional payment to my Suntrust mortgage to reduce the principal balance for the amount of $5,400.The check was debited from my checking account (from another bank) on July 31st, 2014.Yet, as of August 6th, 2014 the amount has not been credited to my Suntrust mortgage.This practice is in conflict with Suntrust's fund availability policy.My wife and I have been to our local Suntrust branch 4 different times and no progress has been made: Suntrust are not able to locate where the money is, although they have a copy of the check.Suntrust have been "investigating" this issue for now more than 6 days and no precise time estimate for the resolution of this issue has been provided.Besides, as I have applied with other financial institutions to refinance my mortgage, this situation is penalizing me to obtain the best interest rates available on the market: these $5,400 are not included in my current cash assets nor deducted from the balance of my mortgage.

Product_Or_Service: Additional payment to Suntrust mortgage

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

I am asking for Suntrust to recover the $5,400 and to credit these to my mortgage account within the coming 48 hours.As an indemnification for this infringement of their Fund availability policy, I am also asking Suntrust to offer me a $250 compensation, to be credited to my Suntrust checking account within the next 7 days.

Business

Response:

Dear [redacted]:

We have received and reviewed your correspondence that was forwarded to our office from the Revdex.com (Revdex.com) regarding the above referenced loan. We appreciate the opportunity to look into the issue raised and to provide a response to you.

Thank you for bringing to our attention the problems you experienced with the servicing of your loan. It is always SunTrust's aim to provide superior service and we regret that you felt your experience was unsatisfactory. On behalf of SunTrust, we apologize for the manner in which your payment was handled and for any inconvenience this caused you.

Unfortunately, the funds were inadvertently misapplied to a different account. On August 12, 2014, we posted the $5,400 principal payment to your loan with an effective date of July 30, 2014, as you intended. Since we have fully corrected this error, we respectfully decline your request for monetary compensation.

[redacted], if you have any questions regarding your loan, please contact our Client Services Department at [redacted], Monday through Friday from 8 am to 8 pm and Saturday from 9 am to 3 pm., ET. If you have any questions regarding this letter, you may contact our Mortgage Escalations Resolution Team at [redacted], Monday through Friday from 8 am to 6 pm., ET.

Sincerely,

Officer

Mortgage Escalations Resolution Team

Review: my home loan was sold to [redacted], which is a collection agency not another bank or mortgage lender, under bankruptcy and I have never filed bankruptcy. The service rep in [redacted] bankruptcy dept stated that Suntrust sold my loan as a bankruptcy and they had no proof of an reaffirmation agreement. I never missed a payment or paid late, my payment was set up on audio draft out of my suntrust account. I have called suntrust and I cant get any answers. I have been trying to solve this problem since Oct 2013.Desired Settlement: I would like for Suntrust to be held responsible for their mistake and rectify the problems that their mistake has done to me and my credit.

Business

Response:

Dear [redacted] and [redacted]:This letter is regarding to the correspondence that was

forwarded to our office from the Revdex.com (Revdex.com) regarding the

above referenced loan. We appreciate the opportunity to look into the issues raised

and to provide a response to you.Our records reflect the primary borrower ([redacted]) on the

loan did not file bankruptcy; instead, the co-borrower ([redacted]) filed Chapter

7 Bankruptcy. Please understand that when anyone on the loan or deed files

bankruptcy, the loan is set up on our Bankruptcy Department for monitoring. The

chapter 7 bankruptcy case was closed in the bankruptcy court on April 10, 2013

and the account was removed from the Bankruptcy Department on April 16, 2013.On October 1, 2013, the servicing rights of the account were

transferred to [redacted]. When the loan was transferred to the new servicer the

account was not active in bankruptcy. If you should have any questions concerning

your account after October 1, 2013, please call [redacted] at [redacted] Monday

through Friday from 5pm to 8pm Pacific time.ON September 8, 2015, we submitted an update to the four

credit major credit reporting agencies to reflect the loan was current at the

time of the service transfer on October 1, 2013. We also send an update to the credit

reporting agencies to remove any bankruptcy reporting for [redacted] that was

submitted by SunTrust Mortgage, Inc. An update was also submitted to report

[redacted] as Chapter 7 Bankruptcy reaffirmed. If you have any questions regarding this letter, you may

contact our Mortgage Escalations Resolutions team at [redacted] Monday through

Friday from 8am to 6pmET.Sincerely,[redacted]

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.

[Provide details of why you are not satisfied with this resolution.] Suntrust transferred my mortgage loan to [redacted] which is a debt collection service company on October 1, 2013. So there for my mortgage was transferred as a bankruptcy account, I never missed a payment nor was I ever late, my mortgage payment was drafted directly out of my account every other Friday. [redacted] is not a mortgage lender or another bank, they are a debt collection servicing company, so there for they can not refinance my mortgage. I was advised by [redacted] rep that my mortgage was transferred from SunTrust bankruptcy department and they would be collecting my mortgage payment for SunTrust, all payment should be paid directly to [redacted] after Oct 1, 2013. According to Suntrust response, they just submitted and updated to the credit agencies on September 8, 2015 after I file a complaint on Sept 2, 2015. I would like to see Suntrust resolve this matter by getting my mortgage loan back from [redacted] the debt collection service company and transfer or sale my loan to another bank or mortgage lender.

Regards,