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: 2244799

Date Received: 2016-12-12

Issue: Making/receiving payments, sending money

Subissue:

Consumer Complaint: Sun Bank credit card makes Due Date impossible to meet because it is a day when mail is NOT delivered! XXXX XXXX, in XXXX ; Sunday, XXXX, in XXXX. I complained in writing to XXXX XXXX in XXXX, FL in XXXX No response. Meanwhile, Bank charged me {$35.00} late fee!

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

State: MD

Zip: XXXXX

Submitted Via: Web

Date Sent: 2016-12-13

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: No


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Complaint ID: 2244571

Date Received: 2016-12-11

Issue: Credit decision / Underwriting

Subissue:

Consumer Complaint: SUNTRUST BANK APPRAISAL FRAUD. Re : Equity Line. This went to State of New York, XXXX County Supreme Court XXXX County of XXXX Index # XXXX. I received a Notice of Settlement of Judgement in favor of Suntrust on XXXX/XXXX/XXXX. With the evidence I submitted to oppose Suntrust I can not see how XXXX. XXXX XXXX XXXX could have found in favor of Suntrust..My wife and I are in extreme poor health. My wife is XXXX and I suffer from XXXX XXXX and currently being monitored on a daily basis for a XXXX on a recall list. I had no opportunity to represent myself in Court and had my answer to Suntrust complaint delivered to Court.. We have no income other than Social security and had to move to XXXX to be able to pay affordable rent. Suntrust Grossly misleads the Court by challenging our assertion that Suntrust misrepresented the value of subject property. Thankfully, Suntrust, in their motion, provided appraisal report from XXXX, dated XXXX XXXX. This XXXX valuation of the Subject Property was the sole basis upon which Suntrust provided the increase in Equity Line of Credit and led me to believe I had far more Equity in than actually existed at the time. I respectfully Submit that the " valuation " utilized by Suntrust was a gross distortion of the property value as Suntrust 's chosen Appraiser used comparables which had in fact no actual relevancy to the subject property.I asked multiple times for a copy of the " Suntrust in house Appraisal " at the beginning of litigation in XXXX and never saw this until Suntrust included this document in a motion dated XXXX XXXX, 3 years after start of litigation. I paid {$250000.00} for the house in XXXX ( had paid off XXXX others mortgages with Suntrust on other properties from XXXX to XXXX. ). The XXXX Appraisal showed subject property, mine, at {$330000.00}. on XXXX, XXXX. Keep in mind that the real estate market had already taken a nose dive. The Appraisal was totally bogus and appraiser in own notes states they never saw the property but made a phone call to my wife asking about improvements, etc, .I did not pay for this appraisal, Suntrust did. The mission of the XXXX Appraisal was clearly to bump up property value to induce me into an increase in home equity line, which I did.Subject property is in a development, XXXX XXXX, with over XXXX XXXX on XXXX to XXXX acre lots and many houses are representative of mine. As a matter of Public Record XXXX houses were sold on my block within walking distance to my house and very similar to my house. XXXX XXXX XXXX sold on XXXX XXXX XXXX for {$100000.00} and XXXX XXXX XXXX sold for {$96000.00} on XXXX XXXX, XXXX. XXXX did Appraisal on XXXX XXXX ,9 months and 6 months after the XXXX houses on my block were sold.These sales were available on County Public records but not shown by XXXX because sales prices were too low even though these houses were similar to mine. If XXXX showed these on Appraisal, Suntrust would not have bumped up Home Equity Line. I owed {$180000.00} on Mortgage at the time and a real Appraisal would have disqualified any increase in home equity line given that the house was worth about {$11000.00} at the time. Suntrust appraisal shows value at {$330000.00}. To qualify this house for increase in home equity line the appraiser used comps way outside of any standards. They used comps from XXXX miles away, XXXX miles, XXXX miles, XXXX miles, XXXX miles in order to find higher value properties. Comparables were available ON MY BLOCK. Your own CFPB Press Release of XXXX XXXX, XXXX details Suntrust 's abuses uncovered by CFPD, D.O.J., XXXX. and XXXX XXXX in XXXX States. My wife and I have nothing thanks to Suntrust and we need help in stopping these proceedings. The judgement will be finalized on XXXX XXXX at XXXX A : M Supreme Court, XXXX County Index # XXXX. Please HELP.

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

State: NC

Zip: 28078

Submitted Via: Web

Date Sent: 2016-12-13

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: No


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Complaint ID: 2244353

Date Received: 2016-12-10

Issue: Problems caused by my funds being low

Subissue:

Consumer Complaint: I had elected for no overdraft coverage and the bank is still paying for things.

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

State: FL

Zip: 33028

Submitted Via: Web

Date Sent: 2016-12-10

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: Yes


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Complaint ID: 2244079

Date Received: 2016-12-09

Issue: Loan servicing, payments, escrow account

Subissue:

Consumer Complaint: File a dispute through my credit monitoring company XXXX to remove a SunTrust Mortgage account that was first delinquent 7 years ago. SunTrust Mortgage responded that information was being reported accurately. The issue is not accuracy but age. The SunTrust Mortgage report list the subject account a a " XXXX '', which is defined as XXXX days past due in XXXX of XXXX. It was therefore past due in XXXX XXXX. Since this was 7 years ago the account, by law, should be remove when requested.

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

State: DC

Zip: 20003

Submitted Via: Web

Date Sent: 2016-12-13

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: Yes


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Complaint ID: 2241754

Date Received: 2016-12-08

Issue: Account opening, closing, or management

Subissue:

Consumer Complaint: My wife and I opened an account with SunTrust Bank XXXX, XXXX branch in XX/XX/XXXX. We intended to use the account to purchase a property in XXXX. Unfortunately, we were unsuccessful with our bids and therefore we did not use the account. In XX/XX/XXXX I contacted Suntrust via my online account and asked what was the best way to close my account and get the balance on the account sent to me. I was advised that the money could be either transferred electronically or paid by check. When I tried to transfer electronically the system did not allow me to do so and so I requested a check and was advised that this could take up to XXXX weeks to reach me. My online access was cancelled at this point and I waited for my check. During XX/XX/XXXX I received a change of address card from SunTrust Bank which had international postage paid and contained the address originally given in XX/XX/XXXX. I then heard nothing more. I contacted the XXXX in XX/XX/XXXX and asked for the status of my check as I had not received it. A gentleman called XXXX said he would look into this and email me with the details. He did not do this and so I phoned him again. He said he would send me an email. This did not arrive and so I phoned the XXXX again to be told that XXXX had gone home and would not be back at work for a couple of days. I then phoned the XXXX of SunTrust and I was told that the check had been sent out at the end of XX/XX/XXXX but had been returned as undeliverable in XX/XX/XXXX. I could not understand at the time why this had happened as I was told it was sent standard mail and would not therefore require a signature. The Bank had already successfully sent me the change of address card and so I was confident they had my address. On XX/XX/XXXX I was then told that because the check had been returned I would have complete an indemnity form which they would send to me. I was not happy with this as I would have to wait another XXXX weeks to receive this. At this point I raised a complaint about XXXX at the XXXX for not getting back to me as promised. My wife and I spent in excess of XXXX hours speaking to either the XXXX or the XXXX being passed from XXXX to the other because the account is a closed account. In a subsequent call to the Helpdesk I asked about the complaint I had raised and was told that there was no record of it on their system. At the beginning of XX/XX/XXXX I received a letter and the indemnity form. The letter said that we had to complete all the areas highlighted, including, Description of the XXXX XXXX, Approved by and XXXX XXXX XXXX ) [ Executed under penalty of perjury ]. Given that we had never seen the check the only section of the form we could complete was our signatures. On close examination of the envelope, I believe I know why the check never reached me. The standard mail postage paid was {$0.00} which I presume is domestic mail. The envelope shows that the indemnity for got as far a XXXX XXXX where the French postal service put a sticker over the original XXXX franking and re franked the letter so that it would reach me. I suspect that the check was franked similarly in the XXXX and was rejected by the postal service somewhere because insufficient postage had been paid. I received a call from XXXX who works on the Research Team at SunTrust as a supervisor called XXXX had passed our case to the Research Team. I explained to XXXX that there was little I could complete on the indemnity form and that it is rather ridiculous that we have to pay to have our signatures only notorised when the Bank have a copy of our signatures on file. XXXX said she would check with another department and ring me back in about XXXX minutes. The following day XXXX phoned to say we need to sign the form and get it notorised. The money will not be released until this form is returned.

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

State:

Zip: XXXXX

Submitted Via: Web

Date Sent: 2016-12-09

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: Yes


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Complaint ID: 2237141

Date Received: 2016-12-06

Issue: Managing the loan or lease

Subissue:

Consumer Complaint: We established an equity line with SunTrust Bank, using our primary residence as collateral several years ago. While we spend six months a year out of state, we have our mail forwarded. Our last monthly statement from SunTrust was recieved on XXXX. We religiously sent SunTrust {$300.00} every month irregardless, depending on hearing from them if there were any changes or problems. Upon returning to our primary residence in XXXX, I recieved a call from SunTrust 's collection department demanding nearly {$4000.00} in late payments plus fees. It was then learned that our payments were increased to over {$800.00} permonth back in XX/XX/XXXX. We checked with our post office and learned that if mailing envelopes from financial institutions do not instruct them not to forward correspondence, the mail is forwarded. SunTrust does not request the post office to not forward mail. This represents both unprofessional and unethical practices on the part of SunTrust. Not only are we faced with dealing with a rather large surprise obligation, but the bank still has the gall to charge fees on top of this unjustice. It is unexcusable for the bank to not try to communicate with us regarding this matter, or to be assured the correspondence be forwarded. When I brought this matter to SunTrust 's attention, they blamed the post office for returning all mail. It should be noted that all other first class mail was forwarded as ordered. This not only caused us a financial burden, but also affected out credit. We believe that SunTrust should have negated the increased obligation since XXXX, advised us of our increased loan payment and we would have gladly gone along with that. It would be interesting to ascertain just how many other customers experienced similiar treatment.

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

State: FL

Zip: 34689

Submitted Via: Web

Date Sent: 2016-12-07

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: No


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Complaint ID: 2236808

Date Received: 2016-12-06

Issue: Loan modification,collection,foreclosure

Subissue:

Consumer Complaint: Due to a medical hardship affecting my XXXX daughter, I started the loan modification process with SunTrust in XX/XX/XXXX because my wife and I had to leave work to care for our daughter and we were adversely affected financially. My first request for assistance was denied in XX/XX/XXXX because " income was NOT sufficient '' for an affordable modification. My wife returned to work on a flex schedule to improve our eligibility. My second request was denied in XX/XX/XXXX because of a " lien error '' affecting the SunTrust 's 1st position. I spent money and time fixing this. My third request was denied in XX/XX/XXXX because " income was sufficient '' for a modification. I appealed. My fourth request was denied in XX/XX/XXXX because of a " prior loan modification ''. How is this possible?? Why was I not informed this ten months ago when we began this process? If SunTrust is not engaging in fraud, it is at a minimum grossly negligent. I spent almost one year in the loss mitigation process, where life decisions were made that impacted the well-being of my family to be told that I never was eligible from day 1?? When I spoke to SunTrust 's mortgage escalation staff member XXXX on XX/XX/XXXX and asked when these investor guidelines changed she responded " I do n't know '' and later said " be glad you received a prior modification ''. I requested a copy of these investor guidelines effective for XX/XX/XXXX and XX/XX/XXXX and have not received anything. For reference, the prior modification was done in XXXX and was completed because SunTrust had put me in a subprime interest only mortgage product, yet I was A tier credit.

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

State: CA

Zip: 908XX

Submitted Via: Web

Date Sent: 2016-12-06

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: Yes


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Complaint ID: 2232260

Date Received: 2016-12-01

Issue: Loan modification,collection,foreclosure

Subissue:

Consumer Complaint: In Case Number number : XXXX, the CFPB has the authority to do the following when presented with clear and blatant facts of violations by SunTrust Mortgage. The CFPB was directed by the Office of Inspector General of the FHFA to investigate, but did nothing with the CFPB oversight authority. " CFPB may bring administrative enforcement proceedings or civil actions in federal district court or state court. The Bureau can obtain 'any appropriate legal or equitable relief with respect to a violation of [ f ] ederal consumer financial law, '' including, but not limited to the following : Rescission or reformation of contracts Refund of money or return of real property Restitution Disgorgement or compensation for unjust enrichment Payment of damages or other monetary relief Public notification regarding the violation Limits on the activities or functions of the person against whom the action is brought Civil monetary penalties ( which can go either to victims or to financial education ) It is also possible hat the CFPB will seek significant fines in its enforcement actions. The penalties that the Bureau may seek are also significant. The CFPB can seek to impose civil penalties of ( a ) up to {$5000.00} per day for the violation of a rule imposed by the Bureau, ( b ) up to {$25000.00} per day for the reckless violation of a federal consumer protection law, and ( c ) up to {>= $1,000,000} per day for a knowing violation of a federal consumer financial law or regulation.

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

State: GA

Zip: 30253

Submitted Via: Web

Date Sent: 2016-12-01

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: Yes


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Complaint ID: 2232148

Date Received: 2016-12-01

Issue: Problems caused by my funds being low

Subissue:

Consumer Complaint: I have a huge amount of NSF fee 's. This bank will show a balance one day and a different one the next. They have pending transactions and then the next day they post in a different order. They have taken my paycheck. I need these funds reimbursed to me. This is causing a huge financial strain for me.

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

State: GA

Zip: 30252

Submitted Via: Web

Date Sent: 2016-12-01

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: No


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Complaint ID: 2231658

Date Received: 2016-12-01

Issue: Loan servicing, payments, escrow account

Subissue:

Consumer Complaint: We have our loan for primary residence with Suntrust, which is responsible for making timely property tax payments from the escrow account. Since our property tax was adjusted higher, Suntrust made payment that was less than the required amount. As a result we were assessed penalty & interest by XXXX county. Even after notifying Suntrust about the shortfall it took them 4 weeks to make the payment - and all along the bill was accruing interest. We make our tax payments into Suntrust escrow so we should not be held liable for any accrued interest and penalty.

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

State: MD

Zip: 20854

Submitted Via: Web

Date Sent: 2016-12-01

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: Yes


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