SunTrust Bank

Review: I have not authorized overdraft coverage on my checking account per the site [redacted] since my selection in 2010. However, I am charged overdraft fees .Desired Settlement: Request all overdraft fees reversed as this service was not authorized by me and any point.

Business

Response:

Dear [redacted]:

We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding Overdraft Coverage and the overdraft fees associated with the above referenced account. We appreciate the opportunity to respond.

Our records show your account is set to “decline” Overdraft coverage, effective October 8, 2010. Overdraft coverage allows SunTrust to decide whether or not to pay ATM and everyday debit card transactions when the available balance is not sufficient to cover the transactions. Unless you specifically requested Overdraft Coverage (“accept” Overdraft Coverage), we will not be allowed to pay overdrafts and assess fees for those two types of transactions. Please note our ability to authorize overdrafts and assess fees on any other types of transaction, such as a check, recurring check card, or electronic, Automated Clearing House (ACH) item, is not affect by this coverage.

Detailed information concerning Overdraft Coverage may be found on our website suntrust.com (see Banking-Personal Checking-Overdraft Services) and it included on page 5 or our personal deposit accounts fee schedule, provided an account opening and on our website (see about us-fee schedules).

The overdraft fees you incurred from November 5 through 22, 2013, were due to seven ACH items presented for payment against insufficient balances. For example, on November 5, 2013, your beginning balance was $21.05 and four items ( [redacted] for $[redacted], [redacted] for $130, [redacted] for $[redacted], and [redacted] for $[redacted]) were presented for payment. The account was assessed a $36.00 fee for each overdraft. As explained above, overdraft coverage does not apply to these types of transactions.

Based on this information and that items were presented for payment against insufficient balances, we have determined that the assessed overdraft fees are valid. However as a courtesy we refunded a $36.00 returned item fee on November 26, 2013. The other overdraft fees will remain.

As a suggestion, you may want to set up Overdraft Protection, where by a protector account, such as your saving account, is linked to your transaction account 9checking) to cover any shortfalls. Detailed information, including any fees, about this service is found on our website (see banking-personal checking-overdraft services). You may also monitor your account by using our online banking service and receive Email or Mobile Alerts when the balance gets too low or becomes overdrawn. Instructions for signing up for these services are also found on our website and can be viewed using our Online Banking Service.

Ms. Nolan, should you decide to set up overdraft protection for your checking account, or it we may further assist you, please feel free to contact us via your Online Banking Profile, call us [redacted] or visit any one of our branches. A representative will be glad to help you.

Sincerely,

Review: I deposited a check on 4/7/2014 in my Suntrust small business account. The check was for a deposit on a rental house. I did not rent to the check writer and wanted to refund him this money. I called Suntrust on 4/10/14 to see if the funds had cleared his bank before I gave him the deposit back. I was assured the check had cleared and the funds were available. I withdrew the funds from my account and retuned them to the prospective tenant. The check in question was returned later that day and I am now out $250.00. I called Suntrust, they pulled and listened to the tape. [redacted] of the Client Advocacy Team in [redacted] called me back and said they did tell me the check had cleared and that I was given misinformation but they are not responsible and do not have to refund my money because of something written in the account application. She verified that it does not matter what customer services tells you on the phone they do not have to give back the funds.Desired Settlement: Because I was given misinformation by my bank, Suntrust, I would like for Suntrust to take responsibility and refund the $250.00 to my account and waive any fees associated with the returned check.

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 have been a customer with suntrust bank for about 14 years with a lapse of one year because I relocated to NC. For that year but came right back and continued banking with them. My account became in the negative . When it got to be 4 overdraft fees I called to try to resolve the issue and let them know I wouldn't be able to get it back on track until my next direct deposit. They continued allowing debits out of my account which led to more overdraft fees. In all there were 8 overdraft fees totaling 288.00. So by the time my direct deposit got in there I had 49.00 . They should have never allowed anymore debits to come out of the account since it was already in the negative especially when their fees totaled 288.00.Desired Settlement: I don't expect all of the fees back but I do expect some I mean how much would you have allowed to come out if I canceled my direct deposit?

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: On July 31, 2014 I called Suntrust Bank to check my account balance. It was a negative -$800 plus. Spoke with CS agent, she informed me that Suntrust Bank has charge me $600 plus in insufficient funds. I advise her that I had JOINT account to cover insufficient funds. She advise that, that account was not in the computer as a Joint account. On August 1, 2014 I entered Branch office in Milledgeville, Georgia. I spoke with [redacted], I informed her that Suntrust Bank had removed my account without them notifying me, causing all these overdraft charges that has accumulated on my account since March 2014. [redacted] could not find my Joint Account. Then she called Home Office spoke with a man(did not get his name) they then found the account and mistake. From what I understood, he(manager on phone with [redacted]) agreed with refunding my money back to my account, but [redacted] stated she had to speak with her manager first who was out to lunch. The assistant manager called me later on that afternoon to inform me that I had a strong case to get my money refunded back to me, but they had to investigate the problem. On August 5, 2014 someone from Suntrust Bank office called me to inform me that a Suntrust Representative by the name of [redacted] was handling my case. I'm still waiting for them to refund my money, because it was there mistake not mine. Sincerely, [redacted]Desired Settlement: Apology letter

Business

Response:

Dear [redacted]:

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

Our records for Account ending in [redacted] show you incurred 17 overdraft fees ($612 total) and two return item fees ($72 total) for a total of $684 in fees due to items

presented for payment against insufficient funds for the period of July 22,2014 through August 21,2014. As a coultesy, we waived ten fees ($360 total). Based on this information and that items were presented for payment against insufficient balances, we have determined that the assessed overdraft fees are valid and will remain.

Beginning on August 22,2014 this account had an available balance of $297.06. We paid an item of $229.69, a check card purchase for [redacted] of $8.09 and a

closing debit of $67,37 which left your balance a negative $8.09. On August 25,2014 we paid a check card purchase to [redacted] of $24.95 bringing the

balarrce lo a negative $33.04. You deposited $33'04 to the account on August 26, 2014 and closed the account.

You mention that you believe you had a joint account as an overdraft protector account to cover insufficient funds for the Account ending in [redacted]. Our records do not reflect a joint account or an overdraft protector account for you. During a phone call with us on May 28,2014 we explained that you had a Personal Savings Account ending in [redacted]. The account originally opened as a custodial Minor By Account (MBA) and w-as incorrectly set it up for overdraft protection as the protector account for the account ending in [redacted]. [redacted] cannot be used as an overdraft protector account because the funds are meant for the minor and not the custodial parent. This account was closed on November 13, 2013 and the balance of $776.77 was given to you in cash during your visit to a branch. The overdraft fees that you wrote to us about were incurred well after we reminded you in May that the account you thought was a protector account (Account ending in [redacted]) was closed.

Our records show you opened the Account ending in [redacted] on August 18, 2014 with a deposit of $2,630 and set up the Account ending in [redacted] as the overdraft protector account.

We want to be sure that you are aware of our website suntrust.com, which corrtains 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.

It is important that collected funds be in your account before authorizing debit items. Overdrafts may be prevented by keeping accurate account records, noting all deposits, checks, purchases and electronic transactions and having funds in your account to cover all items presented for payment. For example, the account balance shown on your ATM receipt, Online Banking Profile and mobile device or balances obtained by utilizing our telephone banking service may not include all outstanding items you issued on the account, such as checks and other pre-authorized debits,

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

Sincerely,

Officer

Review: I have been a customer of the bank for more that 15 years both business account and personal checking. I have never bounced a check, overdrawn my accounts or otherwise abused my relationship with the bank. I received a certified letter explaining my accounts have been cancelled and had to make other arrangements for my banking needs. When I called the writer of the letter a [redacted] Vice president of the bank at [redacted] she can only tell me that it was a business decision and would not tell me anymore. I felt that this was an insult to me and my family. I feel I'm entitled to at least an explanation. If there is another reason like I have committed a crime I need to know. When I go to open another account do I tell them Suntrust bank kicked me out and will not tell me why. Does this not look like I did a crime or fraud? I only want to told what that business decision was ?Desired Settlement: DesiredSettlementID: Other (requires explanation)

I would just like to know why I was told to leave the bank? Is this going to follow me as a negative to my character?

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.

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,

Business

Response:

Dear [redacted]:

We have received and reviewed your correspondence forwarded to us from the Revdex.com and your correspondence to SunTrust regarding our request that you close the above reference accounts. We appreciate the opportunity to respond.

The decision to close the accounts was a business decision made by SunTrust, as explained in the August 21, 2014 letter from [redacted] of Retail Support Services (copy enclosed).

[redacted], the decision has been reviewed by SunTrust senior management and is final. Should you have any questions, please call [redacted]. She will be glad to help you. We wish you well in your future financial endeavors.

Sincerely,

Assistant Vice President

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,

Review: I am trying to get out of my merchant agreement with Suntrust. I understand there is an early termination fee, however, Suntrust has failed to show me where in the contract the stated fee is listed. They are requesting a $500 early termination fee. After my request for explanation, my service fee's also increase to almost 50% of my earnings.Desired Settlement: My desired outcome is that Suntrust waive the early termination fee's and allow me to drop their services.

Business

Response:

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

Please close this case on your records.

Review: Without warning yesterday, Suntrust cut off my debit card leaving me with no money to pay for the cart of groceries I was trying to purchase (I had the extreme embarrassment of being repeatedly denied at checkout throughout my claims that I really did have the money). I also had no gas, a three year old and a two year old with me and no one to get home. I am also pregnant and had just finished a ten hour shift at work. We waited for him for hours and I couldn't even buy my kids a drink. additionally while sobbing on the phone to suntrust and asking if my debit card could be expedited at suntrusts expense, I was told no that the expedited service made absolutely no difference to the time I would get the new card. We have a vacation this weekend and no card to ensure we can access our funds. I didn't receive any phone call from Suntrust to warn me that they were cutting off my card, had no voicemail or secure message. Had I known I would have been able to prepare and not be in the stressful embarrassing situation that I was while money was sitting unaccessible in my account.

Further to this, last week, a month ago I had to order a new debit card last month. I had an account with a company who weren't able to charge in advance for that month and were calling for the new card information. We told them to cancel since we barely used the membership and never went again. They confirmed and stopped calling. We did not provide the new card. Then last week they took double membership fees for this month and last month. I called them and asked they why it wasn't cancelled and how they were able to charge our new card. They confirmed the last four digits and told us the bank provided it to them. I immediately called suntrust to inquire why they would provide details of a card I had not authorized and was lied to by the customer service rep who said I gave them my account number when setting up the account. I argued that I never do this, and that's not what the company said they clearly charged the card and if I did use my account number they would have been able to charge last month and not double this month. I suggested Suntrust should resolve this but he insisted I gave the company my account number blatanly lying to me. Which also makes me wonder how secure my account is and If suntrust gave my account number also???

I am tired of Suntrusts antics and overwhelmed by the possibility that they can cut off my phone without any warning to me whatever and leave me in such a vulnerable situation.

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: IMade cash deposits at the ATM at SunTrust because it is available right away.my first problem was 2 deposits in the middle of september, one for $200 and one for$300. The deposit for $300 didn't show up on my account. I called customer service and was told they located the money and no overdraft fees would be charged since it was their error but overdraft fees were charged. The next week my wife made 2 deposits $300 and $400, but the second one just showed $200. I made some payments and had overdraft fees of course since the the deposit amount was incorrect . the following week my wife deposited $500 cash on Saturday. I made a payment that same night and had an overdraft fee for $108. I made another purchase and was charged another overdraft fee. From there it was multiple overdraft fees. 10.10.14 I called customer service and there answer was you have insufficient funds. I went to my local branch Saturday and I explained to rep the problem and she printed an account transaction copy and said she seen what I was talking about and would have the manager call Tuesday since Monday was a holiday but no one called. I checked my account Friday and Sunday and the transaction dates had been changed.they say I owe $553 to cover everything. I paid $500 already because I don't want to mess up my credit still owing $53 when they didn't record all my deposits making my account short and unable to cover my transactions and building up overdraft fees. I have been banking with them for 9 years and never had any major issues. When they closed the branch I used to always use I had to use another location which is when all this started. The other branch cash deposited at the atm was always available right away.thanks for your timeDesired Settlement: Review transaction dates and deposits, find where my missing deposits went, and take away overdraft fees since I should have had money there.

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: A customer made a purchase at my business and later denied paying for it. Suntrust Merchant Services claimed to have sent me a notification of this via fax and mail multiple times, but I never received anything. Later, I found out that they faxed the notice to the wrong number. They made no attempt to correct this error. Because Suntrust failed to notify me, I was unable to dispute this claim. As a result, they settled in favor of the customer and incorrectly refunded their money.

Since 2006 when I first starting doing business with Suntrust, I have only received notifications through fax, never mail. They falsely claimed to have sent me mail on numerous occasions when it is obvious that they did not.

I tried calling them in an attempt to solve this problem but they refused to help and closed the case.Desired Settlement: I have a signed transaction record proving that this customer made this purchase at my store. I would like Suntrust to reopen the case and refund the money that they gave to the customer back to me.

Business

Response:

Dear [redacted],Please accept this letter as SunTrust Merchant Services’

(STMS) response to [redacted] complaint to the Central Virginia RevDex.com, dated January 7, 2015. It is our understanding that this

concern stems from Chargeback case number [redacted]. Specifically, the

October 3, 2014 transaction for $1,932.53 on [redacted] card ending in

[redacted] was a valid transaction where goods and/or services were rendered. An additional

claim was made that STMS notification of the transaction dispute (Chargeback)

via fax and/or mail, was never received by [redacted]. This non-receipt is

sited as the cause for the dispute outcome resulting in the monies being

returned to the cardholder.A thorough review was completed on the above referenced

merchant account to ensure no changes were made to the notification method

within the last twelve (12) months. While a fax number updated was completed on

June 25, 2014, there has not been any change made to the notification method.

Chargeback notifications are mailed directly to the above –doing-business-as

address, with the most recent notification being mailed on November 26, 2014

and December 19, 2014. Copies of these communications have been provided for

your reference. After careful consideration, a determination has been made that

supplemental compensation cannot be offered. The decision made is based upon

insufficient evidence supporting the claims made with the RevDex.com. Please be advised that upon receipt of this matter, STMS considers this

a closed matter without further available recourse.Please feel free to contact Customer Service with any

further questions you may have at [redacted].Sincerely,[redacted]

Review: I've called THREE times to close my merchant processing account with Suntrust and each time they tell me the account is closed. Yet the next month I receive another bill for a "monthly billing" charge. Despite the fact that I have not processed credit cards with them in over 3 years and called to close the account multiple times, they continue to charge me $19.95/month for absolutely nothing. I call almost monthly to AGAIN, request my account be closed and to be refunded for these monthly charges since I first attempted to close the account, and they refuse to refund the money they have stolen from me.Desired Settlement: I want a refund for the $6.62 charged to me in December 2014, $19.95 in January 2015, $19.95 in February 2015, $19.95 in March 2015, and $19.95 in April 2015. Totalling $86.42. Since I no longer bank with Suntrust, I'd like it in the form of a check mailed to my business at [redacted].

Business

Response:

Re: [redacted] Revdex.com Case [redacted] We responded to Ms. [redacted] by letter on May 27, 2015. If you have any questions about our response, please contact Ms. [redacted]. Sincerely, [redacted] Vice President and Manager Executive Services

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.

No resolution was offered in this response from Suntrust. No letter was regarding this complaint was received. Actually, I received a bill from Suntrust Merchant Services today demanding $169.95 for no stated reason.

Regards,

Review: I purchased a vehicle at [redacted] in Columbia, SC and the lender was Suntrust bank in Nashville, TN. At the time of purchase, the purchase price was $28,780.91 at a 10.95 APR. Since purchasing the vehicle Suntrust bank has been charging me $533.00 a month and also including a $8.38 per day charge to the loan as an interest charge that was undisclosed at time of purchase. I have tried to reason with the company and even tried to refinance through them however, they will not allow me to refinance because they claim that the additional $8.38 per day charge on their part will cause the payoff to not have enough funds to be able to refinance with their institution. Since purchasing the vehicle 4 months ago, I have paid $2,132 but my balance owed is $28,376.31 which only reflects approximately $400.00 has been paid to the loan.Desired Settlement: The only outcome that I would feel is acceptable is either stop charging me the additional $8.38 per day and allow me to refinance at a lower rate with a more realistic amount being charged.

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 was offering a $300 promotion for opening a checking account and doing direct deposit. I heard about this promotion and called the bank and directly asked if I and my family member could apply for it. I was told yes. We both went in person to the bank, and applied together with the same banker. I referred to the promotion and asked for both of us to be signed up for the promotion. I was told this was okay.

I called in after several months because the promotion wasn't credited. I was THEN told that this promotion was only 1 per household. I claim that this is a bait and switch because I talked to and asked two Suntrust bankers whether I and my family member could apply for this promotion, and they said yes. Furthermore, the same banker processed both applications and never mentioned the one per household rule, when he could have done so when we gave him our information.

I did not receive this promotion via a letter, so I relied on the words of the Suntrust representatives, who gave inaccurate information. I have written a letter to the Office of the President, and have not received a reply or acknowledgment even though it's been over 3 weeks.Desired Settlement: Honor the promotion as it was stated to me over the phone and in person by the Suntrust bankers.

Business

Response:

Dear Ms. [redacted]: We have received and reviewed your correspondence foiwarded to us from the Revdex.com regarding the $300 promotional deposit for your above referenced account. We appreciate the opportunity to respond. The promotion you referenced was an In-Store-only offer, and all qualifying criteria and requirements had to be met in order to earn the reward. The criteria and requirements were published and displayed in the branch during the promotion which included language regarding the limit of one reward per household. Our records show that another member of your household applied for and received the offer prior to you. Therefore, we regret that we are unable to give the same reward to you. You also mention that you had written to SunTrust's Office of the President but had received no response. Our records indicate that a representative from that office left voicemails for you at [redacted] on May 11 and May 12, 2015. After receiving no return call, the representative mailed a letter to the address above requesting that you call him for information. Ms. Huang, we hope the information contained in this letter will alleviate any further concerns. If you have any questions please don't hesitate to call 800.SUNTRUST (800. 786.8787) or visit any SunTrust branch. Our representatives will be glad to help you. Thank you for banking with SunTrust. Sincerely, [redacted] Officer Client Advocacy Team

Review: I recently opened a checking and savings account with Suntrust bank. Shortly afterward I contacted the bank to inform them I needed information on transferring funds from my exsisting bank of america account into my new suntrust bank account as I am approx. 60 miles away from the nearest branch and needed means to deposti money immediately so that I may use the account. I recieved information from the customer service rep and requested a transfer from my [redacted] account into suntrust. As I have had my [redacted] account for over 11 years I am very versed in the processing time with this bank and know that the processing time for a transfer is 48 hours. I waited the 48 hours an began to use the card. I was later notified that the banking information I used for the transfer was incorrect and all of the debits were overdrafting my suntrust account. The customer service rep gave me bad bank info! I called back to explain and ask that the fees be reveresed and no one would help me. In fact after asking for a manager I was hung up on!Desired Settlement: I would like a refund of all of the overdraft fees in the amount of $180

Business

Response:

This letter is in reference to your concerns that were

forwarded to the Client Advocacy Team. Thank you for providing us the

opportunity to research and respond, however we need more information to

proceed.I have attempted to reach you by telephone several times,

but have been unsuccessful. If you would like to speak with me regarding this

matter, please call [redacted], if you are unable to reach me please leave a

message with your number and the best time to call.I look forward to speaking with you, Thank you for banking

with SunTrust.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.

As a part of my issue is not receiving valid information by way of telephone, I have sent SunTrust bank a letter asking to correspond with me via email or U.S. Mail to discuss. I have not received a response

Regards,

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

Business

Response:

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

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

Business

Response:

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

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

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

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

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

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

your next statement.Regarding our posting order, detailed

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

our Rules and Regulations For DepositAccounts and on our website

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

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

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

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

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

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

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

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

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

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

records noting all authorized debittransactions, including pending and

credits to determine their available balances. Detailed information concerning

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

for Deposit Acoounts ([redacted]}

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

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

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

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

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

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

Product_Or_Service: Mortgage origination

Account_Number[redacted]Desired Settlement: DesiredSettlementID: Refund

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

Business

Response:

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

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

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

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

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

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

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

Review: I banked at Suntrust Bank for nearly over a dozen years without incident. Moved another business account there. After moving that account there, I was told to close ALL my accounts - checking./Savings & credit cards. It appears that one officer of this business has negative credit with Banks. I removed that person and severed all relationships. However, SunTrust has discriminated against me because of who I used to associate with. By closing my Credit Card, it shows on my credit bureau as "Closed Account by Creditor". This has adversely affected my credit standing in an immense way. I am asking that SunTrust reopen my credit card. I have very good credit until this happened.Desired Settlement: Re-establish my credit card.

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 called on 09/28/2015 and requested a stop payment or dispute for a consolidated credit charge that was to be drafted on 09/28/2015. I was told my Suntrust customer service department that I could not do this, that I had to go through the place the payment was made. In the past we have done a stop payment and paid $39.00 to do this. Now with the $395.00 drafted as well as $5.00 fee we are negative in our bank account. Instead of taking the highest amout out last with one overdraft charge, I have 10 overdraft charges amounting up to $360.00? How is this rational?

If all these items have posted the same day, can you not take the consolidated credit out last to avoid the $360.00 in fees? Also why can I not do a stop payment when I have been able to in the past, I have been able to do this before to avoid this issue?Desired Settlement: I would like refund of the $360.00 in overdraft fees immediately. I would pay only $36.00 for one overdradft fee for the consolidated credit or $39.00 for the stop payment.

Business

Response:

SunTrust has responded to our client by telephone 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 July 2015, an affidavit/ deferment plan was signed in the presence of two branch employees of Suntrust in local branch office in Naples Florida. I waited until the employees faxed the signed form to the main office in Virginia. I was given a confirmation receipt prior to my departure. On September 21, 2015; I was called by the collections department of Suntrust Bank stating that I am four months behind on payments and that there are additional collection charges that amounted to over $500 in which I have to make full payment in the amount over $1500 within 7 days or face repossession of the vehicle. I was told that they have record that I was approved in July for the deferment but have no confirmation of receipt of the fax from the branch office. They stated that a certified letter was sent to me, yet I never received a certified letter and I was told they have no receipt regarding that the certified letter was received. I was never informed of any past due or collection proceedings until the phone conversation that occurred on September 21, 2015. No other correspondence occurred since July because I was informed that I had been approved for the deferment and received a fax confirmation in July. As I looked up my account online on September 21, 2015; it states that my next payment is due on October 9, 2015 in the amount of $253 which is my regularly scheduled payment. I was told by the Suntrust representative on the phone that this was a "glitch". They have erred in their receipt of the fax and in their online account information being erroneous and in turn incorrectly placed my loan in collections.Desired Settlement: I would like Suntrust to cancel the collection proceedings including the repossession threat. I believe I owe payment for September only if they accept that they mistakenly did not credit me with the summer deferment. In return I will continue to pay my monthly loan payment for the remainder of the loan.

Business

Response:

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

to us from the Revdex.com regarding the status of your above referenced loan. I

appreciate the opportunity to respond.Our records indicate that you requested an extension for

your monthly payment due for June and July. The agreement was not processed due

to an internal error. Due to this error your account appeared to be late for the

June and July payments. I realize this was a frustrating experience from you

and I am sorry for any confusion caused by this error.In addition, your scheduled payments for the months of

August and September were not made. Because if this, your account was assigned

to our repossession Department.After receipt of your correspondence, I was able to reach

out to our internal department as well as the branch manager at our [redacted]

[redacted] office to determine what resolution could be reached. We were able to

process the two month extension agreement, waive the late charges and the

repossession fees.You were advised that you would need to pay $772.93 in order

to bring your account current and to remove the account from repossession.

Records show a payment was made on September 28, 2015 and your account is now

current. Your next scheduled payment is due on November 9, 2015.[redacted], I apologize that you did not have a positive experience

and hope you will allow us the opportunity to regain your confidence. If you

have any questions or concerns regarding your account, please do not hesitate

to contact us via your Online Banking Profile, call us at [redacted] or visit any

SunTrust branch. A representative will be glad to assist you. Thank you for

banking with SunTrust.Sincerely,[redacted]

Review: I recently moved out of state to Oklahoma in August due to a job. so did a mobile upload of my paycheck. They placed a hold on it for 2 weeks, putting my acct in the negative by over 2000 and refused to release the funds and instead reported me to the fraud department when I got pushy about it., and then proceeded to close the acct. They state that they closed it because I went to a local bank to have check cashed which is against policy, but I only did that when they refused to release the funds, and they had already locked me out of my acct by then. My paperwork I received from the bank says that my funds will be available the next business day, not 2 weeks from when its deposited when they feel like it. It never should have been an issue with the deposit considering it was a payroll check, and had the name of major bank in Oklahoma on it.Desired Settlement: I'm afraid they will ding my report as a bad customer. I want them corrected. They should not be able to get away with what they did to me. I also believe they owe me an apology for this mess. It almost cost me getting into my apt and paying my bills.

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.