Date Received: 2015-11-11
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: I have an account with Suntrust bank and on XXXX XXXX, 2015, they charged me and overdraft fee on an item that was able to clear my account. The overdraft fee charged was {$38.00} on the same day of the XXXX XXXX, 2015 and my account was still positive {$32.00} and after the fee they charged me cleared I was still positive in my account with {$17.00}. This bank charges overdraft fees before 24 hours.
Company Response: Company chooses not to provide a public response
State: MD
Zip: 20745
Submitted Via: Web
Date Sent: 2015-11-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-10
Issue: Using a debit or ATM card
Subissue:
Consumer Complaint: I Bank with Suntrust Bank. I get a daily email telling me me balance. On XXXX/XXXX/2015 I got an email saying my account was overdrawn. I had a balance of over {$1500.00} on the previous day. In looking at my charges I saw that a company called XXXX XXXX XXXX had charged XXXX {$500.00} charges to my debit card. I had my card with me so do n't know how they got my number. I have never heard of nor done business with this company. I called Suntrust immediately and reported this fraud. They said it would be investigated. Mean while my account is overdrawn and I have bills set on automatic draft. Several of these bills have come due and Suntrust is charging me overdraft charges of {$36.00} on each one. I am in a retirement home and the money in this account is all I have. Now I ca n't even buy food or gas. I explained to the Suntrust rep. that I am on fixed income and heeded my money returned to my account. I did nothing wrong but am the victim but yet I am being punished because of a theft to me. I feel that Suntrust should put my {$1500.00} back into my account and then investigate all they want. I did nothing wrong to deserve to suffer like this.
Company Response: Company chooses not to provide a public response
State: NC
Zip: 28027
Submitted Via: Web
Date Sent: 2015-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-08
Issue: Using a debit or ATM card
Subissue:
Consumer Complaint: Suntrust BankOn XXXX the XXXX I did receive a phone call around XXXX or may be later from the bank, the lady said that they have stop a credit card charge to my account for over XXXX I did said to her that I did not purchase anything, she said card ending XXXX, I did replied that I do n't have the card for long time, she ask for my XXXX number and I did explain that I do not remember and I was driving home that as soon as I arrive I will call back, and I did, I visit on Monday the XXXX the Branch on XXXX XXXX FL , where I get the first document, I did call the branch to not paid the charges, I went back to the branch on XXXX XXXX XXXX on Saturday XXXX and I e-mail back and forward by e-mails. I contact them until I received the letter r that my claim was denied and that was not XXXX charge was XXXX charges over XXXX as I can probe to the documentation attached. They have declined my claim. I need your help to reopen the claim since that they have no provided me with any information. I am there customer for over 20 years an as a customer I deserve a better service and security on my accounts. I did discover that there was XXXX active Debts card on my account under my name, and that is not a regular procedure on any bank. How there is possible that under a business XXXX person has XXXX card for over a period of time. There is not security at all.
Company Response: Company chooses not to provide a public response
State: FL
Zip: 33015
Submitted Via: Web
Date Sent: 2015-11-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-07
Issue: Making/receiving payments, sending money
Subissue:
Consumer Complaint: In XXXX 2015 I made a mortgage payment to the Suntrust Bank at XXXX XXXX XXXX and the payment was misapplied, which showed a non payment for the month of XX/XX/XXXX, which it was intended to be. Instead it was applied for XX/XX/XXXX. This is now the second occurrence this year and the first was in XXXX at the XXXX XXXX XXXX. I received a call in XX/XX/XXXX of this year stating that I was over due in my payment and had to prove to the bank that in fact it was there error. It too three weeks for them to correct. The correction for XX/XX/XXXX is still pending.
Company Response: Company chooses not to provide a public response
State: GA
Zip: 30022
Submitted Via: Web
Date Sent: 2015-11-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-06
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My personal home was damaged recently. The loss is covered by insurance. The insurance company has begun to provide funds for the necessary repairs - approximately {$160000.00}. The payments are to be sent to me as joint checks between me and our mortgage company. When I received the first payment from the insurance company, I endorsed the check and sent it to our mortgage company, Sun Trust Mortgage XXXX Inc. ( " STM '' ). They responded with an XXXX XXXX, 2015 letter with the step by step recipe for how to receive funds to pay the contractor for the necessary repairs. That letter has XXXX problems as part of the requirements. First they are requiring that the contractor sign a lien release form that is illegal in Texas as Texas has statutory lien release forms to must be used. Second they are requiring a copy of the contractor 's license. Texas does not have construction licensing. I have written several letters and made numerous calls to STM. They refuse to correct their requirements and to revise the letter. I am being delayed in having the necessary repairs made to my home.
Company Response: Company chooses not to provide a public response
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2015-11-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-06
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: Dear Sir : Upon return from a trip on XXXX, I received a letter dated XXXX XXXX, 2015 from SunTrust Bank requesting I close all accounts by XXXX XXXX, 2015. I have bank with SunTrust for 30 years and thought it must be some kind of mistake. I called the number on the letter on XXXX XXXX, only to have a rude lady tell me it was a Business decision, but no reason as to why. After returning for another trip, I went into my XXXX XXXX Georgia branch on XXXX XXXX and asked the manager about the letter, he called the number on the letter and got the same response. I then spoke to his boss who suggested that the manager e-mail the regulatory division of the bank and that they would contact me in XXXX hours. No one called, I went back to the bank on XXXX XXXX to close my accounts and he said he 'd e-mail them again. I asked for his bosses boss name and got XXXX and his number. Called XXXX XXXX on XXXX XXXX and he said he 'd get to the bottom of it and get back to me that afternoon. He never called back so the following Monday XXXX XXXX, I called him, got his voice mail and left another message. Finally, a call came Monday afternoon XXXX XXXX from ( XXXX ) XXXX XXXX assistant telling me to call the number on the letter, I explained to her that I and the branch manager had already called to no avail. She said XXXX XXXX would call me back. He did n't. I then on Tuesday XXXX XXXX, e-mail XXXX, his boss XXXX XXXX and her boss XXXX XXXX . Hoping someone could tell me why Sunrust had requested me to close my accounts. I recieved a voicemail from XXXX the assiatant telling me to call the number on the letter, that they could only talk to me. So on Wednesday I called the number again and got the same response, " Business Decision ''. Nothing from XXXX 's boss, XXXX XXXX or her boss XXXX XXXX. I would just like to know WHY i was asked to close my account after 30 years of being a loyal customer. And to be reimbursed for new checks that I bought a month prior and pro-rate the fee I paid for the debit card. Many Thanks
Company Response: Company chooses not to provide a public response
State: GA
Zip: 30328
Submitted Via: Web
Date Sent: 2015-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-11-05
Issue: Fees
Subissue:
Consumer Complaint: We have XXXX prepaid debit cards from Suntrust bank that had a beginning balance of {$25.00}. We were charged monthly inactivity fees for no activity after 4 months of not using the card, which violates our understanding of the CARD act, which only permits the charging of fees after 12 months of no activity. The terms and conditions of the Suntrust prepaid debit card are here : " Inactive Account Fee {$2.00} per month following 3 months of inactivity. Inactivity is defined as no transactions ( cash or purchases ) or account inquiries made on the Card account. " https : XXXX $ XXXX in activity fees $ XXXX in activity feesI 'm asking for Suntrust bank to be held accountable for violating the law on protections against fees within a 1 year period, and for a refund of these activity fees.
Company Response: Company chooses not to provide a public response
State: IA
Zip: 52240
Submitted Via: Web
Date Sent: 2015-11-05
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-05
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: This request is in reference to Case No. XXXX. May I please invite your attention to the Final Response letter previously submitted by SunTrust dated XXXX XXXX, XXXX? In the second paragraph, they stated that we initiated a loan for {$37000.00} for the purpose of financing an addition to our primary home and renovating a secondary property. We intend to prove otherwise. We have enclosed a copy of the original credit application, the promissory note, and a copy of the original Title Search, along with the DOTs that had to be paid and satisfied before we could start constructing our home. We were approved for a {$37000.00} loan bearing the customer number " XXXX ''. The check for that amount ( attached ) was issued and sent to our Closing Attorney, XXXX XXXX per XXXX XXXX XXXX. XXXX paid these items off to release the XXXX DOTs XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. XXXX the DOTs included XXXX lots as collateral, so XXXX XXXX informed us that we had to use XXXX pieces of property in the construction loan. Copies of the cancelled items bearing a stamped seal dated XXXX XXXX, XXXX ( attached ) were supposed to be mailed to our Attorney but for some reason they never were ( copies of DOTs attached ).. The contract was drawn up between us and XXXX XXXX XXXX for {$150000.00} ( attached ). XXXX XXXX wanted to see it. He informed us that there were too many errors in the contract such as ; our land cost was supposed to be added in for the {$37000.00} we borrowed from XXXX, but instead it was doubled for {$75000.00}. We had our own well, air unit, etc. and were being charged over again. XXXX XXXX just told us to let him help us negotiate the contract and we did. I have attached a letter with the cost of the contract as well as a copy of the initial check. I was trying to get SunTrust to understand that the house did n't cost {$150000.00} and I attached a copy of the cancelled contract with XXXX XXXX. The {$37000.00} was included within the construction loan for the {$140000.00}. There is a copy of the DOT for {$140000.00}, the first check from XXXX ( {$83000.00} ) and a letter from XXXX XXXX explaining the total cost of the contract. We had more than enough money to get the house built. We had just got released from a Chapter XXXX due to my husband 's sickness which forced him to retire XX/XX/XXXX ( attached ). We barely received this {$140000.00} loan from XXXX, how could we possibly borrow another loan for {$38000.00}? My mother lived in her single wide mobile home and it did n't even have that kind of value anyway. I have attached copies of the Tax ID cards and appraisal cards to show that there were no additions to my newly built home nor renovations to the mobile home. I asked the Zoning department to verify that this property has never been used for rental or commercial purposes ( letter attached ). XXXX bought our first mortgage note and shortly thereafter XXXX XXXX refinanced it due their merger. They did n't have any ties to the XXXX XXXX XXXX XXXX property and neither did XXXX because it was supposed to have been released whenever the {$37000.00} note was paid and satisfied. XXXX properties were cleared and released. My Attorney never received the DOT XXXX. My Attorney died before this mess got straightened out, XXXX XXXX left XXXX, XXXX XXXX filed Bankruptcy, XXXX merged with SunTrust and here we are. How could SunTrust renew that note ( {$37000.00} ) and it was financed inside of my mortgage loan XXXX XXXX XXXX XXXX XXXX? Re-financing that note XX/XX/XXXX for {$38000.00} was wrong. I asked XXXX XXXX for some documentation explaining why they did n't use XXXX XXXX XXXX XXXX and they informed me that their computer that contained our records was stolen ( letter attached ). This has been one nightmare. SunTrust stated in the
Company Response: Company chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-11-05
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-11-05
Issue: Convenience checks
Subissue:
Consumer Complaint: SunTrust Bank offered me a XXXX to replace the bank card that doubled as a credit card, I agreed to accept it. They also offer convenience checks monthly. I needed to use one with the understanding that it was interest free for 18 months. Starting in XXXX, I was charged interest. When I called, I was told that because the credit card was no longer interest free, the amount of the convenience check and whatever charges I had would be combined and I would be charged at the rate of the credit card. I stopped using the card and was still charged interest. What I learned today is that my monthly payments were allocated toward paying off the convenience check, that carried no interest, instead of the credit card charges which of course carried interest. I was never given a choice on how to allocate my payments. It is my understanding that consumers should at least be told when this is happening. Instead, the representative explained that it 's buried somewhere in the credit card agreement that I agreed to let SunTrust make that choice for me. I pay my credit cards in full every month. I have been charged a fee to use the convenience check, and then charged interest every month. This appears to be deceptive at best. And SunTrust is unwilling to make any adjustments.
Company Response: Company chooses not to provide a public response
State: DC
Zip: 20008
Submitted Via: Web
Date Sent: 2015-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-04
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: My fianc and I opened a joint checking account at Suntrust bank and deposited a check in the amount of {$15000.00}. The account was opened on a Thursday and we were told the funds from the check would be available on Monday. On Tuesday morning the funds were not available and the account information vanished from online access. We went to the bank and were told that Suntrust closed the account citing fraud as my fianc owed them money from 2005. After a lengthily process at the bank where we spent time on the phone making payment arrangements for an {$800.00} debt we were unaware existed we still are no better off and were just told our funds could be held for 30 days. This has put my family in a very difficult situation. I do n't understand how the bank can legally refuse to return our funds? Please help me understand.
Company Response: Company chooses not to provide a public response
State: FL
Zip: 32174
Submitted Via: Web
Date Sent: 2015-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No