SunTrust Bank

Review: I closed on my home in Charlotte, NC in April of 2015. I made the mistake of getting a loan with escrow account through SunTrust Bank. In the fall of 2015, I discovered that there was property tax due on my property from between the years of 2011-2014 (before I owned the home) that my closing attorney did not catch. Once I discovered this, I immediately emailed James R[redacted] (my mortgage consultant) who forwarded my email to one Jennifer D[redacted] stating: "Can you please contact our mortgage servicing department and explain this situation to someone in property tax escrow area. Hopefully, they can input something in the system to instruct SunTrust employees to NOT pay any tax bills for prior to 2015 on this property. Please reply to all." Ms D[redacted] responded: "I spoke with the SunTrust tax department. The tax bill was paid in full for the year 2015 ($10,947.32) on 10/9/15. They show in the system that the account is current and up to date. They have made notes in the system that no prior year bills are to be paid." At this point, I presumed the issue was resolved. Unfortunately, when Mr Raby requested that I examine the possibility of refinancing my mortgage a couple of weeks ago, he discovered that SunTrust went ahead and paid this bill, which was known to be contested, and that my escrow account was now some $22560 net negative. I was never given notification. There was no discussion. I'm horrified at the dishonesty of this bank! Initially Mr R[redacted] stated "It should be the responsibility of parties involved to fix this and report back to you. Now that I am aware of the situation, I will stay after it." He didn't stay after it, never followed up with me until I contacted him to inquire about the status of this issue, at which time I was basically told that its my problem to solve and I should get an attorney to solve this issue. I am hoping that Sun Trust will do the right thing here.Desired Settlement: I would like a full refund of the funds erroneously taken from my escrow account to pay a bill which Sun Trust acknowledged was not my own and which Sun Trust assured me would not be taken out of my account.

Business

Response:

Dear Ms. [redacted]: We received your letter regarding the above-referenced case, however you did not include a signed authorization form from Ms. [redacted]. Therefore, we are unable to provide you with a copy of our response to Ms. [redacted] dated March 14, 2016. Upon receipt of the signed authorization form, we will gladly share a copy of our response with your office. Ms. [redacted], if you have any questions regarding this letter, you may contact our Mortgage Escalations Resolution Team at 855.223.4640, Monday through Friday from 8 a.m. to 6 p.m ., ET. Sincerely, Wanda H[redacted] Officer Mortgage Escalations Resolution Team

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. After being reassured on multiple occasions that money would NOT be taken from my escrow account to pay previous tax bills on my property prior to my closing on the property last year, Sun Trust bank went ahead and spent my money without even giving me notification. I have requested that the replace this money into my escrow account. Rather than correcting their error, the banks response was that this is my problem to fix, but at least they won't increase my monthly mortgage payment further to cover THEIR error. Was I supposed to be appreciative of my bank not stealing more money from me to cover their own error? This is unacceptable and outrageously unethical of this corrupt banking institution. They need to replace the money into my count that even they acknowledge should never have been removed. THEY can figure out how to correct their error. I am happy to sign any release of information you may require to resolve this issue. I am out of the country this week but will promptly send you any authorization for upon my return next week. Thank you so much for your assistance.

Regards,

Review: In the fall of 2014, I applied for a equity line of credit with Suntrust bank which was approved.. The loan was to be used for expenses for building a new home but, since I had $300,000 in my money market account, I didn't need the money right away. However, the loan was placed in my money market account and not on a separate line item (loan).. I paid interest on the loan in the total amount of $4000. I went into to the palm coast branch and spoke to racheal, the manager . She immediately put the loan amount back into a separate line item so I would not be charged any more interest. She did not know why the money was placed in my money market since she was not part of the loan application. She informed me I had 18 months to request the money in the form of the loan. Instead it was placed in my money market and I was charged interest on money I did not need and money that should not have been put in the form of a loan at that time. In February, 2015, I had major surgery and was in hospitals and rehabs for a total of 5 months. My wife paid the bills in my absence. I realized the error when my health had improved but the bank said I signed all the papers and approved this. I believe I was misled or an error was made in putting it in loan form before I needed it. Why would I choose to pay interest on $180,000 when I had $300,000 in my account already? I am requesting that the bank refund the interest on the loan which was poorly explained. I never withdrew a dime of the loan funds and feel that I should be compensated for interest charges I did not authorize nor did I need.Desired Settlement: I am requesting the return of the $4000 which was paid in error

Business

Response:

Please see attached response.

Business

Response:

Dear Mr. [redacted] : We have received and reviewed your correspondence forwarded to our offices from the Revdex.com regarding the interest paid on the above referenced loan. I appreciate the opportunity to respond. Please see the enclosed copy of our response letter dated March 08, 2016, in which we explained the reason we will not honor your request for a refund of Interest charged. In order for you to take advantage of the special interest rate of 1.99%, you were required to select the loan repayment and the advance had to be taken immediately after the rescission period ended. I am enclosing the supporting documents again for your review. We have fully researched and previously addressed the issues raised . Given there Is no new information regarding this matter, our position remains the same and we consider the associated case resolved and closed. Mr. [redacted], should you have any new concerns or questions regarding your account, please contact 800.SUNTRUST (800.786.8787) or visit any SunTrust branch. A representative will be glad to assist you. Thank you for banking with SunTrust. Sincerely, Kathy B[redacted] Officer Client Advocacy Office March 8, 2016 [redacted] Re : Access 3 Home Equity Line of Credit Account ending In [redacted] Signature Advantage Checking Account ending in [redacted] Dear Mr. [redacted]: We have received and reviewed your correspondence regarding the interest paid on the above referenced account. I appreciate the opportunity to respond. Our records indicate you opened the account on October 17, 2014 (agreement enclosed). As part of the agreement to receive a special rate of 1.99% (see enclosed Special Rate Addendum to Access 3 Equity Une Agreement and Disclosure Statement} you needed to designate the loan repayment and the. disbursement of the funds . We show you choose Option 2, the Interest only promotion with Interest of 1.99% for the first 12 months. To receive the special rate, the advance had to be taken Immediately after the rescission period ended. The rescission period is the three business days between the loan closing and funds disbursement that applies when a security Interest Is taken In a consumer's prlnclpal dwelling. The Federal Government requires this time to allow the consumer to "think it over" before incurring finance charges. Also enclosed is your signed Disbursement Request and Authorization form, authorizing the funds to be released to you. Please see the enclosed copies of the disbursement · check and the statement showing the funds were deposited into your checking account referenced above. Because you authorized the draw and in accordance with the terms of the agreement, we respectfully decline your request for a refund of interest charged. Mr. [redacted], I know this Is not the response you were expecting, and I understand how frustrating this matter has been. If you have any questions or concerns regarding your account, please do not heslt~te to contact us via your Online Banking Profile, call us at 800.SUNTRUST (800. 786.8787} or visit any SunTrust branch . A representative will be glad to assist you . Thank you for banking with SunTrust. Sincerely, Kathy B[redacted] Officer Client Advocacy Office

I was with [redacted] Credit Union for years. I switched to SunTrust because there wasn't a [redacted] in Orlando. My stepmother raved on and on about SunTrust so I thought I'd give them a try (there was also a branch right across the street from my home which was a plus!) Everything was great at first, until I started to realize that it takes almost a week for transactions to be debited from the account! To make matters worst, the online site gives you two balances which completely screwed me up on two occasions. I went to the gas station, and one of the balances showed $7. So I only pumped $5 in gas thinking I'd be okay. The next morning I woke up I had a $36 overdraft fee. When I called and asked why the representative told me I was looking at the wrong balance, and only really had about $4. (She even mentioned something about how it's the MERCHANTS that take their sweet time to take the money. [redacted] takes the money IMMEDIATELY. And Im sure [redacted] are the same everywhere. So it's not the "merchants"). So because I went over by a dollar and change I was warranted a $36 overdraft fee. This past weekend, I made quite a few purchases (with money in the account to cover it), and Monday morning I paid my electronic bill via e-check. I bet you can guess which payment they attempted to debit first. In case you dont know how SunTrust works, I'll tell you. They took the payment I made Monday morning before any of the payments I'd made the week before. Now I have FIVE OVERDRAFT FEES TOTALING $180. What makes it so bad is the fact that I was charged $36 for smal debits that were like $5 and $9. How is that even equivalent? I'm waiting on a call from a supervisor tomorrow. Hopefully they even return phone calls, but I won't hold my breath. It's a shame that I'd rather deal with a bank that's 50 miles away versus a bank that's walking distance from my front door. Deposits and withdrawals....l'd make that trip to Lakeland, Florida. Worst banking experience ever. I'm a 22 year old, college student trying to make it on my own without my parents' help. $180 is enough for grocery for the month! It's ridiculous.

worst customer service, in branch and on phone in leesburg va fort evans rd location, doesnt return phone calls!!! No manager on duty, tellers are rude!

They are scamming customers with their overdraft fees. When you have an automatic bill pay, its like they wait until the day or week that your bills are coming out and then process all other charges from that week. There is no reason that ALL charges from one week to two weeks should process on one day. And it just happens to be the day that my bills are coming out? I think not. So, I'm charged with $35 overdraft fee for EACH CHARGE!
This is the third time that my account has been on hold because my "data was compromised." Yet, I wasn't notified that they were going to be placing my account on hold.
One of those times, my car payment was on automatic bill pay, and declined because my account was on hold and now that is on my credit as me missing payments.
The second time it happened, I was at a gas station getting gas and my card was declined. I again called Suntrust and they told me that my account was on hold. AGAIN, without notifying me in advance.
Last but not least, my account is on hold today, and has been for the past 3 days. Do you think they notified me? No. AGAIN, it came as a surprise to me as my two daughters, my wife, and I were at a doctors appointment and ended up stranded. Why you ask? I opened my Uber app, to request a ride, and my card was declined. I called Suntrust and they explain to me that my account is on hold and they will have a card out to me in 7 to 10 business days. So, with no cash, and no access to MY ACCOUNT, my family and I were stranded 35 minutes from home. Suntrust said that there was nothing that they could do about it.
And now when it comes down to my bills automatically coming out in the next two days, if I cant get to the bank before closing time, I wont be able to deposit enough funds to account for the bills that are about to come out. And who will then be responsible for those overdraft charges? They are phishing for ways to exploit their customers and I think its disgusting. How do you trust someone to store your money when they keep stealing it from you?

Review: I am a ** citizen with a single bank account in the US. On Thursday 5th September I asked my wife to pay in a cheque for $50,000 (funds that were due to me) into her account. I did this because my bank does not permit me to pay in endorsed cheques unless the original payee is on the account. The money was paid into my wife's account with Sun Trust. We were scheduled to settle on a house purchase on Sept 13th. I searched for and found Sun Trusts schedule of fees and charges on the web at [redacted]. It clearly shows that domestic wire transfers are charged at $25. On the 12th September my wife went into the [redacted] of [redacted] in [redacted] and was charged $50 for the wire transfer of $22,810.13 from the account of [redacted] to complete our house purchase. She informed me she was charged that much because Sun Trust said thats what they charge for wire transfers from business accounts. I should add that I did not know that my wife would be paying my money into a business account. I called up Sun Trust and was put through to a [redacted] (I'm not totally sure I recall his surname) in Sun Trust's Wire Transfer Processing Division. [redacted] categorically told me that Sun Trust does not charge $50 for wire transfers unless they are going to an international destination . He emphasised that he should know because he works in the office that processes them. He said that he would speak to the bank. When he returned he said the manager had informed him that their policy in the branch was to charge business customers $50 for wire transfers. I told him that the published tariff did not differentiate between business and personal customers in the fee schedule. He said he could not assist me further because he could not see the document and he was not allowed to receive email or documents from the public. The following day I accompanied my wife to the branch in[redacted] where we met a [redacted] by the name of [redacted]. I took the copy of Sun Trusts schedule of fees and explained to him that the money that had been paid in to my wifes account belonged to me and that I had been charged $50 for a wire transfer whereas Sun Trusts published tariffs say that should cost $25. [redacted] put up a very insouciant attitude from [redacted] and told me that the bank charges business customers $50 for wire transfers and insisted the charge was correct. I told him that Sun Trust's Wire Transfer Processing Division had categorically told me that the bank only charged that for international wire transfers. He said he could go and bring the tariff to show me and I told him that I expected Sun Trust to honour the tariff they publish to customers on line and that there was nothing on that tariff to say that the charges did not apply to business customers. [redacted] continued to insist the $50 charge was correct so I informed him that I this was unacceptable and I wished to remove the balance of my funds in my wifes account. [redacted] responded by invitinge my wife to close her account, she said she did not wish to do that no but she wanted withdraw my funds without exposure to further charges. She and requested his assistance as it the amount to be withdraws was rather large $29,000. [redacted] refused her request for assistance and told her to go to a cashier . When my wife did so she was informed that she would only be allowed to withdraw $10,000. During the course of the encounter [redacted]'s demeanour went from insouciance to outright insolence. I am amazed that the bank condone this sort of behaviour in such a circumstance from a company [redacted]. He should not at all be surprised that a member of the public would expect the bank to honour it's published tariff. In this case my wife felt that she had no choice because the funds were required for the house settlement the next day so she paid the charge but ultimately I paid it because the funds it applied to belonged to me.Desired Settlement: Refund of the $50 charge for the wire transfer fee.

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 signed up for a suntrust account online and was promised that by doing so within 8 weeks I would have a direct deposit of $160. This has not happened and I have emailed customer service on several occasions. One representative said it would be deposited automatically by October 1. Then when I emailed again I was advised October 5. It still isn't there. They are making a false claim and I need them to keep thier bargain.

Also I requested a supervisor and none have responded or contacted me.Desired Settlement: $125 as promised (deal info below)

You’ll need to open an Everyday Checking and e-Savings accounts online, using the promotional code [redacted], on the account application page.

Then have a single direct deposit of at least $1,000 land in your checking account within 60 days of opening.

SunTrust then will deposit $125 into your e-Savings account within eight weeks after receipt of your direct deposit.

The direct deposit must be of your paycheck, pension check, Social Security check or similar regular monthly income.

You’ll have to open your accounts by Aug. 31 to take advantage of the bonus offer.

Business

Response:

Dear [redacted]:

We have received and reviewed your correspondence forwarded to us by the Revdex.com regarding fulfillment of a promotion for opening the above referenced account. We appreciate the opportunity to respond.

Thank you for bring to our attention your customer service concerns when you contacted us by phone, and that a supervisor was not provided nor returned your call. We have sent this information to the appropiate management area.

You indicated you had not yet received your promotional credit of $125 for opening both a checking account and an E-savings account and setting up a direct deposit of at least $1000 within 60 days of opening. Our records reflect that you opened your accounts on July 16, 2014 and the first direct deposit was credited to your account on August 1, 2014 in the amount of $1,102.34

Because you met the requirements for the promotion, we creditied your Account ending in 5689 on October 30, 2014 in the amount of $125. This is noted as a Miscellaneous Credit on the enclosed statement, We apologuze that the credit was not given within the timeframe mentioned in the promotional material.

[redacted], you are a valued client and we regret any frustration the delay in the credit caused. If you have any additional questions or concerns please call us at [redacted]. One of our representatives will be glad to assist you. Thank you for banking with SunTrust.

Sincerely,

Officer

Client Advocacy Team

Consumer

Response:

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

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

Regards,

Review: In December 2015, Suntrust was advertising a $200 promotion for extra money to shop with for Christmas if new members signed up for a new checking account with; set up for direct deposit, and had at least 10 transactions per month, as well as at least $500 every two weeks. I met every requirement, and they did not deposit the bonus into my account. I have checked with Tawny, the girl who made the promises to me on several occassions, and at first she said it should happen any time. Then a couple of weeks ago, I contacted her again and she said she will send the request over again. I also sent a few emails to verify the information, and one email confirmed that $200 would be deposited. One of the emails said that they needed to "verify the deposits", and they had already gotten 4 $500 deposits from my payroll. What were they verifying, and what was taking so long. Today I got an email stating that the promotion was for $100 and that $100 was deposited to my account today. I resent that they lied to me and promised "money to spend for Christmas", and here it is almost 3 months later without fulfillment of the promise. This is totally deceptive advertising and practices, and I totally don't appreciate it. Here is one of the first communications: Topic: Credit Card Rewards

Account: CHECKING *1847

Subject: Re: Bonus Acct - Checking-1847 {Credit Card Rewards} [#[redacted]]

Attachment:

From: Customer Support???01/26/2016

Hello Sheril,I am delighted to go over your account today and I do understand your concern with regards to the reward of $200.00.I have reviewed your account profile and see that the requirement of cumulative Direct Deposit of =/>$500 within 60 days of account opening is not yet verified, as soon as the direct deposit is verified you will receive the bonus of $200.00 as a credit to your account.I hope this information was helpful. Regards,[redacted]Digital Client ServicesDesired Settlement: I desire that they give me the complete $200 as promised.

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:

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

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

Regards,

Review: On or about April 28, 2013, I opened a checking account with SunTrust Bank online, through their website. To fund the new account, I set up a connection to an existing checking account I had with another bank. I authorized the transfer of $500 from my old checking account to the new SunTrust account. The full amount was taken out of my old checking account, but never put into the SunTrust account. When I called customer service on approximately May 5, 2013, I was first told that they did not know where the money was, but that it would be credited to my account "in a few days." I said that was an unacceptable response and asked to be transferred to a supervisor. Eventually, I was. After explaining the situation, I was put on hold for an unreasonably long time -- probably close to 15 minutes -- and finally, was told that the account was flagged for fraud and had been closed. The $500, I was told, would be back in my old checking account within 3 days. About a week later, I received a debit card from SunTrust, despite having been told that my account was closed due to "fraud" concerns. I went into a branch by Dupont Circle in DC and was, again, forced to wait an inordinate amount of time while people tried to figure out where my money was. I was finally told that the account was not, in fact, closed, and that the $500 would be deposited into the account (again) in no more than 3 days. It has now been four days and the money is still missing. I have spend HOURS with these people trying to get my money back, which they have now been sitting on for close to a month. THIS IS ILLEGAL AND ENTIRELY UNACCEPTABLE. I am through calling customer services and dealing with branch employees who, frankly, do not have the slightest clue what's going on.Desired Settlement: I WANT MY MONEY BACK IMMEDIATELY. I WANT THE ACCOUNT CLOSED. I WILL NEVER, NEVER, EVER DO BUSINESS WITH THIS PATHETIC OPERATION AGAIN.

Business

Response:

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

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

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

Sincerely,

Consumer

Response:

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

I want the account to be CLOSED. And they are wrong, I went into a branch at Dupont Circle in Washington DC with my drivers license, debit card, etc., and was told by a branch employee ([redacted], or [redacted], or something like that) that the account was verified. This bank's practices are sloppy and unprofessional, to say the least.

Regards,

Review: I was a victim of a scam in where I set an item for sale at [redacted], finally after agreement with the interest purchaser, I was notify by him that there was a mistake and an over payment was made out to me,( there was a discrepancy between the date he informed me of it and that actual date of the check, and I received a check that was a business check and since he mentioned always his business I deposited in my bank account, he started to demand that I wire him the over payment money. I advise him that I needed to wait until the funds were clear on his account. Finally on 6/18/13 I realize that he check was return, I contacted the bank immediately I became aware of it. I visit the branch closer to my work place (Debary FL ). I brought the evidence I had with me ( picture of check, picture of envelope that the check came in and all text messages between me and him from day one ), this was never taken to consideration. My bank account was set on HOLD and I was not allow access to it . Upon my consistent request they allow me some cash. My direct deposit came in that account for what I'm not been able to do anything. There has been payments made that they decline to pay although the money is there. Finally I was informed of the decision of the bank of closing my account. They assumed I was part of it despite what I attempted to show them. I have never deposit anything other than my paycheck and I have been with them for six month. I believe that they were negligent in looking at the evidence I have with me and failed to their merchant standards of services, putting me in a severe stress. I was be punished in this situation when I'm really the victim.Desired Settlement: I believe I should keep my account. They can restrict the way the handle the checks, but I shouldn't be held account for somebody else fraud.

Business

Response:

Good morning:

We have responded to our client Ms. [redacted] in writing on July 1, 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: The bank has charged me for repossession charges of $170.00 on my current bill although my car was never repossessed and my payments made in July, 2013 exceeded all amounts due for the period.

Business

Response:

Response was mailed to the above client on August 28, 2013.

Review: I was a victim of credit card fraud, with fraudulent charges made in another state. A forged card was used for purchases at an [redacted]. I spoke to a rep and received a fraud affidavit by e-mail and faxed it back the day the charges were made. Fraud Control notified me the day of the charge because the activity was so very unusual.I was told by [redacted] of Suntrust that I had to wait for a credit specifically because of banking [redacted]. Up to 5 days from the time the charge was cleared, not when it was posted. This means Suntrust can take up to 10 days to put my stolen money back. This is bogus because [redacted] issues conditional credits almost immediately. [redacted] states that banks have up to 10 days. Suntrust obviously intends to hold the cash as long as they possibly can. I guess they have using Other People's Money down to a science.Desired Settlement: I want my funds credited back immediately.[redacted] can credit immediately. Why not SunTrust?

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 has been hitting my account with ridiculous insufficient fund charges and extended overdraft item fees for 3 months now. My account was negative $1.7 on 8/8/13 and my direct deposit came through on 8/15/13, they charged me $36.00 for an extended overdraft item fee on $1.75 for [redacted] Now, when my direct deposit came through I logged online to my account and I did not see any charges for an extended overdraft fee at all. When I log onto my account on 8/16/13, I notice that Suntrust charged my account $36 extended overdraft fee on 8/15/13 but that charge was no showing on 8/15/13 at all. I then started to go through my statements with Suntrust because I've been hit up with fees for 3-months now, starting in June 2013. I started looking over my statement from 5/18/13-6/18/13 and I notice that Suntrust charged me a $72 overdraft item fee out of NOWHERE!!!! and then a few days later I get charged another $36 extended overdraft fee. I am currently on the phone right now as I am typing this with Suntrust Customer Service Line ([redacted]) and the time right now is currently 9:25 am and I have been on hold for 44 minutes and counting. I am a single mother, that is currently in a DV situation and I don't have any family or friends or anything here in Georgia, so I am winging it on my own. I didn't have anyone I could ask for $1.75 to bring my account to a zero balance, so charging me $36.00 off of $1.75 is RIDICULOUS TO ME!!!! I need every cent of my money. My child started back to school this week and that $36.00 is the difference between after school care for two weeks for my 5 year old child. This is so unfair to me that Suntrust conducts business in this way. I spoke with [redacted] today (8/17/13) at 9:39 am and they were actually very helpful in assisting me and [redacted] said that she could give me a courtesy reversal which I appreciate because any other time, no customer service rep for Suntrust would not have done that.Desired Settlement: My desired outcome is that I want my $72 back from the charge on 6/4/13 as well as the $36.00 they charged me on 6/12/13., I would like a apology, I would like a phone call, I would like an email and I would also like to close my accounts with Suntrust. I just need this issue resolved once and for all. This isn't my first attempt to have the overdraft fee's reversed either. One time I called a Suntrust Customer Service Rep and I was told that I could not get a reversal or have the OD fee waived because it was my fault that the account was overdrawn, when in fact, Suntrust shows the charges pending for a long time (why is that, if I am doing a debit???) and then they hit you with the fees. These are deceptive practices to their consumers and it's simply not fair. Also, I would like to give [redacted] and [redacted] a stellar review on customer service because these two are the only ones who have demonstrated extraordinary customer service in the 2 years that I have been with this 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 in your records.

Review: Suntrust unfairly sent an item to collections without first giving me an opportunity to dispute the item or even telling me why I owed the amount that they say I owe. To my knowledge, when I closed my account with them in 2011 the account had a $0 balance and must have resulted from additional fees that I wasn't aware of.It's frustrating that this is how SunTrust treats its former customers. While I did leave them to bank with another bank, I hadn't ruled out returning at some point. The fact that they sent this item to collections without notifying me or giving me the opportunity to pay it is incredibly frustrating (and a violation of [redacted]).The account is question is [redacted]XXXXDesired Settlement: While I can't undo the damage that their negative reporting has done I would like for them to remove the negative item from my credit report. As the original creditor they have the authority to do this.In the spirit of compromise, and despite the fact that I question the validity of this debt, I am will to pay the $58 dollars they say I owe.

Business

Response:

Suntrust has responded to our cilents 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 accidentally over drafted on my account, I got notice more than a week later (actually 14 notices) at the same time. Totaling more than [redacted].00 in just FEES. My paycheck is automatically deposited so when my paycheck hit my account it was all taken by fees. I went to the bank asked for help as I now had no money to live on for the next two weeks (paychecks are every two weeks). I had no money for food or gas. [redacted] at the [redacted] branch indicated he would pass the information and request on to his [redacted] and call me on Monday. He finally left a message on Tuesday indicating I'm sorry there is nothing I can do. I then contacted the branch [redacted] myself [redacted] was horribly abusive and said he is not going to work with me to help with the fees in anyway, stated these were in the agreement when you opened your account (they were not the account was opened years ago) and yelled I should learn to manage money better. Maybe he is right but it shouldn't be yelled from a bank [redacted] over the phone. I then called the customer service [redacted] number only to be told that they cannot help me in anyway as the branch froze my account and they cannot do anything I have to call the branch [redacted] back and ask him to unfreeze my account. By unfreezing my account transactions can be made including more fees charged. I told them about the horrible experience and I just could not bring myself to contact that man again. they again apologized and said they couldn't do anything. So for the last couple of weeks I have been borrowing and scraping because they took the last paycheck. There are fees on the account still that my last paycheck didn't cover and for every 10 days being charged another overdraft fee. They know I cannot pay all the fees but wont help me. Some contact should have been made they have my email and telephone number.Desired Settlement: I am asking for help. I understand the first two and am willing to accept that I made that mistake. The rest of the "snowball" effect is unnecessary and excessive. I also want the account closed by 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 on your records.

Review: Hi

I was victim of Suntrust overdraft fee money making system. They have a special software program to make money out of their customer easily. Their online cash manager system does not reflect the activity. People like me get fooled by their smart program. I check my account everyday. I never seen any minus issue with my account. All of a sudden I saw 5 overdraft fees little spendings. I have contacted them by phone, bank branch managers. They were no help to waive my fees. Their system is complete misdirecting. Manager at the bank in [redacted] was treating me like crap. She was like wall. She answered like robots. People should not use this kind of customer no service banks. I have been working with them for long time. This was first time overdraft. I expected better relationship with Suntrust after having a business account for a while. They are not there to help. They are just there to rip you off. Stay away from customer no service Suntrust.Desired Settlement: I would like to get my fees waived and apology from Suntrust officials. Thanks

Business

Response:

Re: Revdex.com complaint #[redacted]

SunTrust has responded to our client but cannot share the

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

Please close this case in your records.

Consumer

Response:

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

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

Regards,

Review: I have been banking with Suntrust for over several years now for my business. About 2 years ago they started to "let go" the account reps that serviced our small business accounts. Ever since that time, the fees they bill to my small business operating account have gone haywire. I even went as far as to take one of these invoices to another bank and they literally laughed. They could not believe how excessive the fees are and they could not even understand what some of the items they are billing me for meant. I have repeatedly reached out to the bank rep that is left and have had no success. I was told to give her a few days and she would get the fees repriced and credit my account. Three months later, repeated emails and calls and no resolution ! It is literally highway robbery and no business should be at the mercy on this bank. Help please !!!!Desired Settlement: credit my small business account back on these fees

Business

Response:

Re: Revdex.com complaint #[redacted]

SunTrust has responded to our client but cannot share the

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

Please close this case in your records.

Review: I am so dissapointed in this bank. My debit card was stolen on Sun 6/1/2014. I reported it lost the same day, the bank had already stopped the card becuase there were 2 gastransactions. With out any notice, the bank froze my account on Fri. 6/6/2014 and was told I needed to call on Monday 6/9/2014. I called today and was told that Suntrust no longer wanted to continue the relationship and I will recieve a letter. Needless to say I was appalled, I have payments going thrugh and they are holding my money captive because I can no withdraw. To say I am upset is the least !Desired Settlement: I will like explanation about there decision and a refud on my money!

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 2 separate issues with Suntrust Bank: 1.problems with deposits and 2. poor customer service. The first problem I had was in October 31, 2013. I deposited my payroll check by using an ATM machine before 2:30 pm. The following day I checked my balance and noticed the full amount of my deposit had been deducted from my account. I called a bank representative and was told that my funds were on hold and would not be available until a week later. I went to the [redacted] branch, had the bank manager speak to my boss over the phone, and the matter was quickly resolved. I figured accidents happen and that I shouldn't have any more issues depositing checks. I signed up for direct deposit to make things easier for myself and my boss. Although the issue was handled quickly and with sincerity, it was stressful for me to worry about what happened to my money.The second issue happened July 1, 2014. I noticed my payroll check and my son's disabilty check did not post to my account. My payroll check should have posted on June 28, 2014. My son's check should have posted earlier that morning. I called my boss and Social Security to confirm that funds had been tranferred to my account. Both gave confirmation. I went to the [redacted] branch and spoke to [redacted] the bank manager. He greeted me nicely. As he placed a phone call to help resolve my problem, he dozed off. He went to sleep! It became quite apparent he was trying to stay awake by standing up while talking on the phone, rubbing his eyes, and yawning. I asked my boss to speak with him. During their conservation, he put her on hold without giving prior notice then hung up on her. I was told to wait another day to have access to funds in my account. No one at Suntrust could tell me what happenned to cause this delay in deposits. When the deposits post, I will close my account and take my money to other bank. I have lost all trust in Suntrust.Desired Settlement: DesiredSettlementID: Other (requires explanation)

My boss left a family outing to help me. She did anything correct on her end. The bank manager was rude and discurtious to her. She should be reimbursed for the trip that she had to cut short or a donation should be made to her school. There should be clear reasons why deposits aren't in accounts instead of passing accountability to customers. I think Suntrust should admit to being at fault and give out gift cards along with apologies. Pers

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: My husband & I signed home equity line documents with SunTrust in August, 2007. 2 days later, we received a telephone call from SunTrust asking us to resign new documents because of an error found in the original documents. We did so.

Now 7 years later we are trying to refinance our mortgage and the title insurance shows SunTrust recorded the mortgages for both sets of documents. We have 1 loan, but 2 recorded mortgages - same dollar amount, but dated 2 days apart.

We cannot close on our refinancing until the title company receives clarification from SunTrust Bank on why there are 2 mortgages in the same dollar amount. The title company can accept a letter from SunTrust Bank which simply states there is only 1 loan, but a 2nd mortgage was filed in error, and that with receipt of a payoff (which is what we're trying to do), both mortgages will be satisfied.

We have not been able to obtain anything from SunTrust to fix this problem and until we do, we cannot get our loan proceeds on the refinancing. In the meantime, we've had to get cash advances on our credit cards to pay the most pressing expenses (medical) at a cost of 5% of the amount of the cash advance figure. Right now this has cost us almost $1,000.00 and we aren't any closer to a fix.

SunTrust has provided a full laundry list of why they haven't been able to resolve the problem:

1. It's our fault and we should have noticed 2 mortgages were filed sooner (I really like this one)

2. They have to review the history of what happened (they readily admit their digital files contain 2 recorded mortgages)

3. They've sent the problem to expedited services (but there isn't a live person anyone can speak to to get a status report)

4. Somehow the problem was sent to the wrong area/wrong department/wrong person and they have to start all over

5. The issue has to be sent to legal for review

6. After # 5 above, start over with # 1 again

SunTrust acknowledges I only have the 1 equity line, but my file contains 2 recorded mortgages each in the amount of my equity line. All they have to do is fax or email my title company a letter to this effect so the title company can disburse our loan proceeds. The title company needs to know there isn't a 2nd equity line with SunTrust can can affect the new loan's mortgage position.

I've been unsuccessful in getting any type of response other than "I'm sorry" and "I just work in the call center and can't make anyone in the backroom do anything" from SunTrust. They promise to fix, but they don't. They promise to call me back, but they don't.

This is simply not acceptable and I shouldn't be forced to contact the Revdex.com. SunTrust should take enough pride in their own company and customer service to fix this problem. I understand mistakes happen. I don't understand when no one is willing to fix the problem. Shame on them.Desired Settlement: Either send the letter as requested or satisfy the mortgage that was recorded in error and PLEASE do this as quickly as possible. Refund what I've had to spend in cash advance fees while I've been waiting for SunTrust to respond.

Business

Response:

We responded to [redacted] by letter on August 12, 2014. If

you have any questions about our response, please contact [redacted].

Sincerely,