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: 1588031

Date Received: 2015-10-01

Issue: Problems caused by my funds being low

Subissue:

Consumer Complaint: I opened a checking account with Suntrust Bank on XX/XX/XXXX with an opening deposit of ( I think ) {$100.00}. I never received a debit card. About 1 month later I received a letter apologizing for not sending a debit card and stating that an extra {$25.00} would be deposited to my account as a courtesy. I never received a debit card, never received more information from Suntrust, and could not open an online account without the card. XX/XX/XXXX I received a notice from Suntrust stating my account was overdrawn and that I owed {$7.00}. I had been charged a monthly fee of {$12.00} for 11 months. I called in on XX/XX/XXXX and was told that my account was now {$19.00} in arrears and that they could n't cancel the account unless I flew to a state with a physical branch and cancelled in person after paying what I owed. Finally they granted me credits for {$24.00} and said I needed to call again to have my account cancelled. I called on XX/XX/XXXX and spoke with a Supervisor named XXXX. XXXX stated that she could credit me an additional {$48.00} but that the system would n't allow her to credit me the full amount of my opening deposit. She said she would close my account the next day and I would receive a check for {$53.00} shortly. On XX/XX/XXXX I received a statement ( my first ) from Suntrust showing I was again assessed a {$12.00} fee on XX/XX/XXXX. On XX/XX/XXXX I called Suntrust again and was told my account was closed on XX/XX/XXXX after the fee was again assessed. There was no explanation for the processing delay.

Company Response: Company chooses not to provide a public response

State: CT

Zip: 06410

Submitted Via: Web

Date Sent: 2015-10-01

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: No


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Complaint ID: 1587491

Date Received: 2015-09-30

Issue: Making/receiving payments, sending money

Subissue:

Consumer Complaint: A payee to whom I wrote a check erroneously cash the check twice for XXXX different amounts. I called Suntrust to address the issue and over a month later it has not been addressed. Call center agents were misleading or incompetent

Company Response: Company chooses not to provide a public response

State: VA

Zip: 230XX

Submitted Via: Web

Date Sent: 2015-09-30

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: No


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Complaint ID: 1586960

Date Received: 2015-09-30

Issue: Account opening, closing, or management

Subissue:

Consumer Complaint: I opened a checking account on SunTrust 's website and used a debit card from another bank to fund the account. The following day, I was advised, by SunTrust, that the account had been 'flagged ' and would be closed. No reason was given. Multiple inquiries, by phone and in person, resulted in my being referred to SunTrust 's rules and regulations which state : 'The Bank may close your Account at any time and for any reason or for no reason without advance notice. ' It took another three weeks to have my funding deposit refunded. I 've been unable to find anything on my credit report or XXXX file disclosure that might indicate why the account was closed. :

Company Response: Company chooses not to provide a public response

State: PA

Zip: 15143

Submitted Via: Web

Date Sent: 2015-09-30

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: Yes


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Complaint ID: 1584917

Date Received: 2015-09-29

Issue: Deposits and withdrawals

Subissue:

Consumer Complaint: On XXXX I became aware that a recently terminated office manager who had been employed by my company, XXXX XXXX XXXX : XXXX for approximately 1 yr had fraudulently used my debit card for a {$99.00} purchase. This person also forged a payroll check for {$2200.00} ( see XXXX ) This person also generated a fraudulent check ( see XXXX ) from a customer for deposit into our business account in the hopes of ( a ) getting paid a commission on said check or ( b ) intentionally over drafting my account, which it did. On XXXX I reported these fraudulent transactions to XXXX XXXX, Suntrust Branch Manager at XXXX XXXX XXXX XXXX XXXX. XXXX Fl XXXX PH XXXX Fax XXXX because XXXX of the items had not cleared she suggested I check back in a few days. On XXXX I filed a police report with the XXXX Police Dept. ( see XXXX ) I then presented same report to XXXX XXXX a banker at the same Suntrust location to be forwarded along with check information to Suntrust 's security office. Both XXXX XXXX and XXXX XXXX were very helpful in retrieving images of the checks in question and assisting me in gathering documents. As of this date I have had no contact from Suntrust security or any other Suntrust representative regarding this identity theft and fraudulent checks in question. Suntrust did cancel my debit card, and issued credit of {$99.00} for the fraudulent use of my debit card but at this time my account still remains overdrawn due to the illegal checks being processed which is preventing me from doing future business through said account.

Company Response: Company chooses not to provide a public response

State: FL

Zip: 32720

Submitted Via: Web

Date Sent: 2015-09-29

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: No


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Complaint ID: 1584853

Date Received: 2015-09-29

Issue: Settlement process and costs

Subissue:

Consumer Complaint: My mortgage lender did n't include any PMI on any of my good faith estimates or HUD documents until he showed up at closing. We had just sold our house that morning and wired the money to buy our new place. When I was handed the contract while we sat across the table from the seller was the first moment I noticed the payments were so much higher. I asked about why it was higher and was told that the payments went up because the home insurance and taxes had been underestimated. I still did n't see it adding up but felt forced to sign because at that point, we had no where to move back to, our old home had sold already. It was n't until I had time to compare all our old estimates did I see that PMI was never included in the good faith, HUD, or even final documents emailed the day of signing. The first time the PMI was added was at closing. I did not know it would be required to get the loan and was relying on the lender to disclose everything to me so I would know what I was getting into. Now my payments are almost % XXXX higher than any of my quotes.

Company Response: Company chooses not to provide a public response

State: GA

Zip: 30340

Submitted Via: Web

Date Sent: 2015-09-29

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: No


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Complaint ID: 1584746

Date Received: 2015-09-29

Issue: Application, originator, mortgage broker

Subissue:

Consumer Complaint: I am an existing Suntrust Mortgage customer, with an 6.5 % interest FHA loan, Originated XX/XX/XXXX. This loan is current and in good standing. Based upon my desire to secure a lower interest rate and upon receiving multiple solicitations ( both paper mail and through email ) from Suntrust to refinance, I contacted their office XX/XX/XXXX to initiate a refinance. Since that time, I have been round and round with their staff to refinance. I have been provided multiple documents with a proposed loan, signed applications, provided requested documentation, took a vacation day to meet an appraisal person, and they will promise we are going to close " this month '', but they always come up with a reason we can not close. They have made multiple hard credit score checks, that I have not approved and that have lowered my credit score. I provided a credit card number for the initial credit check, XX/XX/XXXX. They stored my credit card in their system and without approval, ran the {$450.00} fee for an appraisal against that card, without my approval or discussing anything with me. My appraisal was completed XX/XX/XXXX, but I was not provided a copy, until I demanded it last week. ( Received it XX/XX/XXXX ) Obtaining an appraisal took several weeks, as the appraisal person, lived XXXX miles from me and had limited availability. I requested a different appraiser, but was told that I could not change. I was told that we could close by XX/XX/XXXX, if they completed the appraisal by XX/XX/XXXX. So, I took a vacation day ( XX/XX/XXXX ) to meet the gentleman. Then they would not return my calls. I escalated that occurrence and was told by their " manager '' that I could close by XX/XX/XXXX. When I told them I would be in XXXX for the last 2 weeks of XXXX, I was told by their " manager '' that they would have my closing documents sent to me out there somewhere. Then no returned calls. Upon my return from vacation, that manager was no longer with Suntrust and the processor would not return my calls. XX/XX/XXXX, I was finally able to navigate their phone system to get transferred to that person 's replacement. She then told my mortgage was " on hold '' because my appraisal came in low ... that it had been on hold since XX/XX/XXXX. She was sure that they had talked with me about this. Instead, they had continued to talk about closing and occasionally ask for additional documents ... Like XXXX from 2 years back. The appraisal was completed in XX/XX/XXXX and I have email communications around closing the loan, during the 3 months after the appraisal. This week, after I escalated it again. After getting yet another manager, I was presented with their plan to restart the process, that I needed to resign an application, and they needed my documentation again ... Driver 's license, home owner 's insurance documents, bank statements. I have email communications ( x4 ) that they have this information. They also told me, that I was looking at a timeline of at least 30-45 days, before they could close on this refinance. They have also connected me with their so called escalation department and provided me with a case number # XXXX. I spoke with the representative there today and was told that they would be back in touch with me in 14 days. However, they ca n't really do anything for me, except tell me what has happened. I know what has happened. Suntrust is doing everything possible to keep me from refinancing my loan. they have lied, lowered my credit score, and delayed my ability to refinance. Most people are probably intimidated and just give up and keep the loan at a higher rate. They benefit from keeping me at a higher rate, with a higher payment.

Company Response: Company chooses not to provide a public response

State: TN

Zip: 370XX

Submitted Via: Web

Date Sent: 2015-09-29

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: No


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Complaint ID: 1584312

Date Received: 2015-09-29

Issue: Application, originator, mortgage broker

Subissue:

Consumer Complaint: I received exceptional service from my lender and it angers me that I can not comlain about it

Company Response: Company chooses not to provide a public response

State: DC

Zip: 20007

Submitted Via: Web

Date Sent: 2015-10-01

Company Response to Consumer: Closed

Timely Response: Yes

Consumer Disputed: No


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Complaint ID: 1583512

Date Received: 2015-09-28

Issue: Account opening, closing, or management

Subissue:

Consumer Complaint: I went to Suntrust Bank to order Checks and the teller started asking me all these question and I assumed it was for submitting the right information on the checks. She never asked me anything about applying for a credit card. a week later I called to see about my check order because I have n't received them yet. They told me to go to back to the bank to see about the order and they told me that no checks had been ordered. A week later I received a letter in the mail denying an application for a credit card from Suntrust Bank. I took the letter to the bank to see the teller. The teller who was suppose to order checks for me was n't in and a representative took my complaint. She explained that it was the manager who applied for a credit card in my name. The representative took my complaint and explained the manager had no authority to apply for a credit card in my name or for me, because she was n't a sales representative. I then called the bank 's customer service and filed a complaint with them. Later that day I tried using one of my credit cards and it was denied and it was available credit on it.This may have a ripple effect on my credit with my creditors

Company Response: Company chooses not to provide a public response

State: DC

Zip: 20002

Submitted Via: Web

Date Sent: 2015-09-28

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: No


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Complaint ID: 1581826

Date Received: 2015-09-26

Issue: Shopping for a loan or lease

Subissue:

Consumer Complaint: SUNTRUST PUT HARD INQUIRES ON MY CREDIT REPORT WITHOUT MY CONSENT

Company Response: Company chooses not to provide a public response

State: NC

Zip: 27107

Submitted Via: Web

Date Sent: 2015-09-26

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: No


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Complaint ID: 1581817

Date Received: 2015-09-26

Issue: Settlement process and costs

Subissue:

Consumer Complaint: This is the XXXX time I have felt it necessary to file a complaint about Suntrust Mortgage ( see CFPB case # XXXX ). On XXXX XXXX, 2015 I started the process of doing a refinance with Suntrust, which has been my mortgage company for many years. Because of my good credit history in general and with Suntrust I was told at the time that this should be a fairly easy refinance. After now making XXXX additional mortgage payments at the old rate of 6 %, with another coming due the XX/XX/XXXX, I still have not closed on my refinance. I have heard many excuses for the delays none of them involving a problem with my account. The latest incident was this week when I was told on Tuesday XXXX XXXX that Suntrust was ready to close and they setup an appointment for a notary to meet with me on Friday XXXX XXXX to sign. On Friday the notary called me to let me know that they had not received the documents from Suntrust and they were not responding to there emails. After I contacted Suntrust a new appointment was set up for the next day, Saturday the XXXX. At XXXX on Friday the notary called me to tell me I needed a certified check to cover some of the closing cost. Suntrust had never said that I would need to cover any closing cost in fact they have always said those costs would be rolled into the refinance. With the banks closing at XXXX for the weekend there was no way to even get a check if I had wanted to. In addition to that the notary made mention that my wife would need to be at signing. I have n't been married for 12 years and in fact Suntrust had requested a copy of my divorce decree which I provided, two months prior. In the mean time another week slips by as I wait for this " simple refinance '' to be completed.

Company Response: Company chooses not to provide a public response

State: WA

Zip: 98273

Submitted Via: Web

Date Sent: 2015-09-26

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: No


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