SUNTRUST BANKS, INC.


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"Products" offered by SUNTRUST BANKS, INC. with at least one, but usually more complaints:

Bank account or service - (CD) Certificate of deposit
Bank account or service - Cashing a check without an account
Bank account or service - Checking account
Bank account or service - Other bank product/service
Bank account or service - Savings account
Checking or savings account -
Checking or savings account - CD (Certificate of Deposit)
Checking or savings account - Checking account
Checking or savings account - Other banking product or service
Checking or savings account - Savings account
Consumer Loan - Installment loan
Consumer Loan - Personal line of credit
Consumer Loan - Title loan
Consumer Loan - Vehicle lease
Consumer Loan - Vehicle loan
Credit card -
Credit card or prepaid card - General-purpose credit card or charge card
Credit card or prepaid card - General-purpose prepaid card
Credit card or prepaid card - Gift card
Credit card or prepaid card - Government benefit card
Credit card or prepaid card - Store credit card
Credit reporting -
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Other personal consumer report
Debt collection - Auto
Debt collection - Auto debt
Debt collection - Credit card
Debt collection - Credit card debt
Debt collection - Federal student loan
Debt collection - Federal student loan debt
Debt collection - I do not know
Debt collection - Medical debt
Debt collection - Mortgage
Debt collection - Mortgage debt
Debt collection - Non-federal student loan
Debt collection - Other (i.e. phone, health club, etc.)
Debt collection - Other debt
Debt collection - Payday loan debt
Debt collection - Private student loan debt
Money transfer, virtual currency, or money service - Check cashing service
Money transfer, virtual currency, or money service - Debt settlement
Money transfer, virtual currency, or money service - Domestic (US) money transfer
Money transfer, virtual currency, or money service - International money transfer
Money transfer, virtual currency, or money service - Mobile or digital wallet
Money transfer, virtual currency, or money service - Money order
Money transfer, virtual currency, or money service - Refund anticipation check
Money transfer, virtual currency, or money service - Traveler's check or cashier's check
Money transfer, virtual currency, or money service - Virtual currency
Money transfers - Domestic (US) money transfer
Money transfers - International money transfer
Mortgage - Conventional adjustable mortgage (ARM)
Mortgage - Conventional fixed mortgage
Mortgage - Conventional home mortgage
Mortgage - FHA mortgage
Mortgage - Home equity loan or line of credit
Mortgage - Home equity loan or line of credit (HELOC)
Mortgage - Other mortgage
Mortgage - Other type of mortgage
Mortgage - Reverse mortgage
Mortgage - Second mortgage
Mortgage - VA mortgage
Other financial service - Check cashing
Other financial service - Debt settlement
Other financial service - Refund anticipation check
Payday loan -
Payday loan, title loan, or personal loan - Installment loan
Payday loan, title loan, or personal loan - Payday loan
Payday loan, title loan, or personal loan - Personal line of credit
Prepaid card - General purpose card
Prepaid card - Gift or merchant card
Prepaid card - Other special purpose card
Student loan - Federal student loan servicing
Student loan - Non-federal student loan
Student loan - Private student loan
Vehicle loan or lease - Loan

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Complaint ID: 3457796

Date Received: 2019-12-04

Issue: Trouble during payment process

Subissue:

Consumer Complaint: I have an ongoing issue with SunTrust Bank, with whom I have my mortgage. Every month, I mail them a paper check to pay my mortgage payment. Pretty much every month, I write in {$1000.00} additional principal and make the check for {$1000.00} more than the minimum. Every month, SunTrust converts my check to an ACH transaction, which means I don't get a copy of my canceled check. And most of the time, certainly on XX/XX/XXXX, on XX/XX/XXXX, and on XX/XX/XXXX, they process the wrong amount. Their ACH transaction on all three dates is for {$1000.00} less than what I wrote on the check. ( This has happened previously as well. ) I have called them at least four times and asked them to stop converting my check into an ACH, and drawing their attention to having debited the wrong amount. They keep saying they will fix this and then they keep not fixing it. The customer service people seem reasonable but somehow SunTrust is unable, or unwilling, to fix this. It would appear not to be a priority for them, and I note that due to my inability to pay my mortgage off faster, I am paying SunTrust more in interest.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: CA

Zip: 94706

Submitted Via: Web

Date Sent: 2019-12-04

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3457242

Date Received: 2019-12-04

Issue: Improper use of your report

Subissue: Credit inquiries on your report that you don't recognize

Consumer Complaint: I have contacted the credit company advising of the information reporting on my credit report this issue has been going on since XXXX

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: GA

Zip: 31907

Submitted Via: Web

Date Sent: 2019-12-04

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3456544

Date Received: 2019-12-03

Issue: Opening an account

Subissue: Account opened as a result of fraud

Consumer Complaint: I received a debit card and pin number for an account from SunTrust bank that I never requested. I called to report it and they told me I had to visit a local branch to file the complaint. The closest branch is more than 1000 miles away. After much insistence they told me they would report it and I would get a letter in 30 days. To my knowledge no bank should be allowed to open an account without the verification of some sort that the person opening the account actually wanted the account. This is a complete failure of this banking institutions to perform it's due diligence which impacts me the consumer and not the banking institution. This must be stopped. In the mean time they can not tell me anything about how this account got opened, if there was any activity on it. If it has been reported to the credit bureaus or anything because they are not permitted to share with me any of the information they have about me.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: NY

Zip: 12804

Submitted Via: Web

Date Sent: 2019-12-03

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3456500

Date Received: 2019-12-03

Issue: Incorrect information on your report

Subissue: Public record information inaccurate

Consumer Complaint: My loan with Suntrust has been paid in full for over a year. A month ago, Suntrust reported to XXXX credit bureau that I filed bankruptcy. I have not filed bankruptcy and this erroneous report has caused by credit score to drop 42 points. This is not the first incident with incorrect, fraudulent activity on my account by Suntrust. Suntrust continues to use someone else 's information and social security number and associate them with my account. I've spent countless hours informing Suntrust of their errors, but they never take ownership, they point fingers, and the harassment continues. The bankruptcy reported by Suntrust needs to be taken off my credit report. My account is paid in full and closed. Suntrust is not permitted to place any updates to my satisfied account. This is fraudulent and done without my knowledge, and consent. It is identify theft from a company who is suppose to protect the accounts, and personal information of their consumers.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: VA

Zip: 23227

Submitted Via: Web

Date Sent: 2019-12-03

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3456185

Date Received: 2019-12-03

Issue: Managing an account

Subissue: Deposits and withdrawals

Consumer Complaint: I on XX/XX/2019 used an ATM machine usin g the private pin number given to me by Suntrust Bank in ATM receipt. When I called Suntrust Bank to inquire why my pin gav e me access to an alternate account which had {$570.00} when there was only according my records {$8.00}. They refused to give me a sufficient answer hung up on me!!!! I would like an explanation Why my personal pin has access to other accounts??? Why I don't have access to these funds and where is this money coming from. Thank you. May XXXX XXXX Bless you.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: GA

Zip: 30310

Submitted Via: Web

Date Sent: 2019-12-03

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3456123

Date Received: 2019-12-02

Issue: Closing an account

Subissue: Funds not received from closed account

Consumer Complaint: Ok so i recieved a settlement for a work place injury in the form of a check. I took that check and went to a Suntrust bank in XXXX, Ga. Using that check i opened a checking account on XX/XX/2019. I was told that the check would clear and be available by XX/XX/2019. The funds were cleared by the issuing bank on XX/XX/2019. The Suntrust internal policy was the only reason for the delay of my deposit being accessible. Despite this small hiccup i waited as required by Suntrust. However on XX/XX/2019 the bank informed me that the account was being put on a debit hold. After multiple telephone conversations i was referred to the branch manager at the branch i opened the account at. I then visited them to find out why my account was being frozen. I was informed that the Suntrust policy allowed them to close any account at any time for any reason. According to the representatives of the bank i would have to wait 7-10 days for the account to offically be closed. Then i would have to wait 7-10 days for them to issue/mail my remaining balance to me. Well after waiting what i consider a fair amount of time i began to grow concerned about the whereabouts of my funds. I then began to reach out once more to locate the funds that i had deposited. When calling both the normal service 800 number as well as the executive services representative i was told they are not able to tell me where my funds are. No one from the fraud department, and i have left half a dozen messages for the investigator, will return my calls. Ive now waited 37 days total. My funds are still in their possession and No one seems to be able to help me in locating the status of my funds. Adding insult to injury they have only just now sent me a letter via USPS informing me of the account closure dated XX/XX/2019. Which i was locked out of and unable to access the account since XX/XX/2019. They have had ample amount of time to rectify this issue. I have enclosed some of the correspondence between myself and Suntrust, my attempts at contacting both the fraud investigator and the Executive Services rep., as well as letter from my attorney who assisted me with the lawsuit that was ultimately settled. ( your more then welcome to verify anything with Mr. XXXX XXXX of XXXX XXXX XXXX ) They have intentionally dragged their feet in this matter and my time is just as important and valuable to me as im sure their time is to them.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: GA

Zip: 31322

Submitted Via: Web

Date Sent: 2019-12-02

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3455984

Date Received: 2019-12-02

Issue: Struggling to pay mortgage

Subissue:

Consumer Complaint: We missed a payment during a financial hardship. SunTrust will not try to help their customers at all. For several months during XXXX, I paid two house payments. I was currently due to pay three payments in XX/XX/XXXX. I could barely afford to pay the two payments. A few days after I paid the two payments, SunTrust reversed the payments and held them until they applied them to my mortgage on XX/XX/XXXX. I attempted to pay in XXXX and I was told they would not accept my parent because I was now in foreclosure. I am trying to modify the loan but now they want me to repay a 40 year mortgage when I'm only 8 years away from satisfying a 30 year mortgage. Prior to this crisis caused by SunTrust, I paid my mortgage on time and was paying additional principal.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: GA

Zip: 30034

Submitted Via: Web

Date Sent: 2019-12-02

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3455925

Date Received: 2019-12-02

Issue: Getting the loan

Subissue:

Consumer Complaint: On XX/XX/2019 I spoke to XXXX XXXX about an SBA Loan or LOC and to start sending all the application process. He told me he would talk to XXXX XXXX an SBA Officer in charge of the application process. I would have to speak to her about the process and anything needed. On XX/XX/XXXX at XXXX XXXX, we had the phone call and discussed everything about the application. They were asking things that should not even be asked for any loan.i submitted all the documentation ASAP for them to review, then did it again, for extra documentation, without any excuse for doing this. I just had the impression of they asking a lot for me not to apply for the loan. Then the underwriting department ruled me out, and they do not even have a way of saying why not since I have everything in order. They ruled me out using standards used for regular loans instead of SBA loans which is money to help Small Businesses like mine, but it is used only for millionaires, people with money or I do not know what is the base standard, but to discriminatory. Since I'm XXXX and the business is located in a poor community. Nothing else they are actually looking for. The discriminatory policies on this bank and the way they used federal back loan money are being used not how is intended to be done. I have tried to talk even to the CEO and the executives alert them about this and it is impossible to do. Please check this out and let me know. They make me lose money and time, just to have me denied due to their discriminatory policies.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: FL

Zip: 33012

Submitted Via: Web

Date Sent: 2019-12-02

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3455507

Date Received: 2019-12-02

Issue: Problem when making payments

Subissue: Problem during payment process

Consumer Complaint: Payments have been made on the card every month but the payments are not being posted. I have had this issue before. I went to use my card the purchase didnt go through and it hasnt been maxed out. Someone has also had a bizarre obsession with all of my personal information causing me to file for identity theft. This needs to be fixed and payments need to be posted ASAP!!!! the card has a XXXX limit

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: GA

Zip: 306XX

Submitted Via: Web

Date Sent: 2019-12-02

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3454903

Date Received: 2019-12-02

Issue: Managing an account

Subissue: Fee problem

Consumer Complaint: On XX/XX/2019 I as SunTrust customer made a complaint ( CFPB # XXXX-XXXX ) and another three written inquiries, three phone calls to SunTrust customer care and customer service regarding a illegal deduction of {$20.00} from my personal Advantage Checking account ending in XXXX on XX/XX/2019 stating XXXX XXXX monthly maintenance fee. I never received a letter from the bank until XX/XX/2019. This letter dated on XX/XX/2019 stated that my combined relationship balance fell below {$10000.00}. This conclusion was far from true. Actually my combined relationship balance was EXCEED {$10000.00} and was linked with a small business check account. According to SunTrust personal advantage checking account fee schedule : Avoiding monthly maintenance fee section - Maintain a Total Combined Relationship Balance of {$10000.00} or more linked across deposits OR Have a linked Small Business Checking Account. As I stated before I qualify both requirements. However this bank continue conduct criminal activities to deduct a second $ XXXX monthly maintenance fee from the same account ending in XXXX on XX/XX/2019 stating it's XX/XX/2019 monthly maintenance fee. In early XX/XX/2019 SunTrust credit back one of the fee {$20.00}. I don't know why SunTrust continue to repeat same error which I seriously can't accept at all. See attached Avoiding monthly maintenance fee Schedule and SunTrust Response Letter on XX/XX/2019. At this time, since I already reported this criminal activities to the DC dispatch XXXX to ask Police Report, I am asking prosecution towards this banking perpetrator who repeatedly and illegally deduct money from my personal checking account. I also filed a claim to ask at least {$25000.00} damages toward this repeated threat to Consumer.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: DC

Zip: 20016

Submitted Via: Web

Date Sent: 2019-12-02

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.