Suntrust

My name is Colleen **, and I am writing this letter in regards to my mother Janet **, for whom I am given the Power Of Attorney. Janet lost her husband, back on February 8, 2011, and late March, found that he had taken a loan out using their home, which is in both their names as collateral. We started calling Suntrust immediately, upon finding about this loan, and its delinquency with no luck in reaching a person that we could talk to, other than their voice mails.

Finally, in late July or early August, we reached a lady who told us she had the loan in her department, but the loan was no longer there. It was sent to the foreclosure department, with a lady named Pamela **, representing that department. Ms. ** and I talked almost everyday, trying to figure out what could be done at that point, on my mother's behalf. Ms. ** informed me that she needed some paperwork filled out, and returned to her, so that the loan that my mother Janet knew nothing about, could be investigated. Janet ** has been diagnosed with bipolar schizophrenia, with manic depression way back in 1968, and is always paranoid, thinking people are trying to take things from her. When the loan was acquired back in late 2007, she had just been admitted to the psychiatric hospital, due to her not taking her medicine for her mental illnesses, which she stopped taking back in April of that year.

I had to fight with my stepfather John ** for months, before he would let me have her admitted. Once we found out about this loan in 2011, Janet stated that she knew nothing of the loan, and never signed anything to do with a loan. Ms. ** sent this to investigation, on the claim that Janet never signed the deed of trust. The paperwork that Ms.** needed from Janet was inner office mailed from Suntrust in Pulaski, TN on October 7, 2011, and on October 10, 2011. I called to make sure Ms. ** received the paperwork, only to find out that she conveniently was out of the office for that week, and I was informed that no one else was able to help my mother Janet, due to the case being Ms. **'s, and no one else could access that information, which once again I found to be very convenient for the bank, and far-fetched in my belief.

I worried about this for a couple more days, and on the 12th of October, called Suntrust again, to hear the operator tell me that Ms. ** was not available. I explained to her that I needed to speak with Ms. **'s supervisor, due to the fact that I hadn't heard one way or another, about Janet' paperwork, and the last letter that I did receive from the bank, stated that if this paperwork was not in the office, the home was due to be foreclosed upon on that day October 12, 2011. I reached a lady, who when she gave her name, I didn't understand it as well as I thought, because when I tried calling back, they told me there was no such person in that office, but back to that time that I spoke to this lady, who I called Sylvia, she was very rude when I asked about the paperwork, whether they received it or not. She informed me that she would call and find out why they did not receive it in their branch.

I asked her about the foreclosure for that afternoon, and she told me she would call me back, in which she never did, and that brings me back to the fact that I was given the wrong name, because I called back that afternoon when she never returned the call to me, and I was told she didn't exist in that branch, and the supervisor over Ms. ** was in fact gone for the day, at that hour I called. I didn't know what else to do, besides waiting until the following Monday to speak with Ms. ** herself, and when I did, she informed me that the loan was in the investigation department, which we needed to wait for the outcome. She then called me the last week of October, leaving a voice mail giving me a heads up, that the investigation was concluded, and they believed that the signature was in fact Janet's, but I didn't get this message, until October 31, 2011, due to my phone being out of service, and by this point I had also received the letter informing Janet, that they believed the signature on the deed of trust was in fact hers.

I then called Ms. ** on the 1st day of November, in which I informed her that Janet wanted to appeal the decision, because she looked at the signature that Ms. ** stated they found in the investigation to be hers, and Janet, along with myself, knew for a fact the signature was not hers. Ms. ** then told me she could re-submit the paperwork for investigation once more, and I agreed this is what needed to be done, along with informing Ms. ** that I would now be hiring a lawyer for my mother. Ms. ** agreed, and asked that once I did that, to please call her, and inform her of the name of the attorney we would be using. On November 2, 2011, I received a letter addressed to Janet, or current occupants, that the home was foreclosed on October 12, 2011, which was the week that Ms. ** was so conveniently out of the office for the week, and no one could help me, along with me speaking with the supervisor on October 12, in which she never contacted me back, as she stated she would.

While this whole loan mess was in the investigation department, the bank went and foreclosed on the home, which I didn't believe was legal. At this point, I contacted Legal Aide, because my mother is on a fixed income and widow, which meant that she lost a larger income than hers, and could barely make her bills. The fine people at Legal Aide had me come in, and fill out an application for Janet, then two days after that, was taken care of, one of the attorneys contacted Janet, asking for all the information on the case. We gave all the information, and within 3 days, received a phone call, stating that if we would have contacted their office months earlier, they may have been able to do something, but being that we needed the help immediately, we were given a number for a lawyer here in Pulaski, who I called at once.

He told me that I must have missed something in the whole situation, and said he was going to find out everything he could. We received a phone call from him later that day, for him to inform us that Janet indeed signed the deed of trust, and that the lady from Suntrust who notarized her signature, would swear to that under oath. This only enraged me more, because if they had this so called deed of trust that was notarized from the start, they would have had no reason to investigate the signature, and say that they compared it to a signature card, from when Janet opened her checking account at that bank. They even sent me a paper with the signature on it, which was not my mother's signature. Now, all of a sudden, they have a deed of trust notarized with a notary, who is willing to go to court for her own employer.

I thanked him for his time, in which he told me that we would receive a bill for, and started calling other lawyers in our area. To Janet's and my dismay, all of the lawyers contacted stated they couldn't help us, which made me feel as if because this was a big bank in the area, no one wanted to fight against them. I feel that my mother Janet has been unfairly foreclosed upon, was not given the chance to keep her home by hiring a lawyer, to help her fight the wrong doings in this whole mess, and was not even offered the chance to catch the loan up, so that she could keep her home. This bank just went ahead and foreclosed on her, without giving her a chance.

I did go to court on her behalf on January 9, 2012, to appeal the case, and was informed by the judge that I could not stand and represent my mother in this case, and that he would reschedule the hearing for January 24, 2012, at which time, I had to make sure that Janet was present. Janet ended very ill, and had to go to NHC nursing home for rehabilitation, and is considered a home bound adult. I called Andrew **'s office, who is the attorney representing Suntrust Bank on January 23, 2012, and explained to his secretary that Janet would not be able to show up in court the next afternoon. She informed me that she would give Mr. ** the message, and he would return my call the next morning, which he did.

I explained everything to him, and he asked if Suntrust had contacted Janet about giving her $2,000.00, if she handed over the keys by the end of the month, at which time I reminded him that she would not be able to pack everything, find a new place to live on her income, and move in 7 days. Mr. ** told me he would call me back in just a little bit. When he did call back, he informed me that the bank would give Janet until February 29, 2012 to move out, and that all I had to do was show up in court that afternoon, and get the paperwork for Janet to have her sign it. So that is what I did.

I don't believe that this was in the best interest of my mother, being that I think Suntrust took her home illegally in the first place. I believe that this offer was made, so that we would not have a chance to find a lawyer to handle the case, but I wasn't able to do anything else, due to Janet being in the nursing home, along with not wanting to take her into the courtroom, and chance sending her into one of her many personalities, then being thrown in jail for one of many different reasons, like offending the judge, or cussing the attorney representing the bank, who she feels stole her home. I will tell you this, I had to take the paperwork over to the nursing home, for her to sign in front of a notary, and once I was able to get the notary to witness her signing the papers. The notary did not ask for my mother's photo ID.

Thank you for your time, and anything you can do to prevent this from happening to someone else through this bank. As for my mother, she will be out on the street homeless, after 11:59PM February 29, 2012, along with my 14 year old son, and myself, who gave up everything to come live and take care of her, after she lost her husband.

Back on 10/27/2008 I was informed by the Stuart, FL police department that my identity was found in a sting operation along with 3,000 other identities that were being used by criminals. The company I worked for had their employment files stolen. I worked with the Stuart police and Suntrust for months. In the end I was told that it was taken care of and my credit was clear. Yesterday I found that Suntrust never took their charges off my credit report! To be clear, I have never had an account with Suntrust, never lived in FL where the account was opened, and have documentation from the Stuart police where my identity was stolen. I just got off the phone with Suntrust and am having to do the process again! I am not happy at all. They tell me they do not have the paperwork. I am finding this hard to believe.

This is the second time that I have called the bank about my checking account, asking if I'm allowed one non-Suntrust ATM fee per month, and the teller/associate said yes. Now, I was charged $5 for using a non-Suntrust ATM. I'm a college student, and every dollar matters. The fact that they have the audacity to lie after I asked 3 times "are you sure" to the associate, and she continued to say yes. You need to have your employees tell the truth, and make sure they know what they're doing. You've officially lost another customer. This bank is terrible, and all you do is trick people and charge fees.

I forgot to log a check I had written so I overdrew my account. My payroll check was available today. With over $400 available, I stopped by Lowe's Food and wrote a check. It was declined with a phone number to call and find out why. Twenty minutes later, Telecheck told me that my bank had advised them I had several returned checks this week and so they decided to decline my check. I'm not sure how Suntrust can disclose that type of information. But I'm not happy about it and have had several run ins with some unsatisfactory dealings with Suntrust.

Explain what's the point of needing $10 to cover a check, they transfer 8.50 from over draft, charge you a fee for the returned check that they paid and so why do the transfer if it is not going to cover the check and charge you for the transfer and the return check charge? That's just charging to be charging fees. If I do not have enough for the transfer then why create an additional charge to make the account shorter in funds than it already was? Not good business practice. I will be looking on a transfer. This was the final straw.

When we are one month behind on our mortgage, SunTrust bank will call everyday 25-30 times a day. I'm getting tired of this harassment. If anyone has an answer on how to take action on this, will you please let me know.

We were closing on the house purchase. This was a cash deal. My wife and I have accumulated necessary amount in the SunTrust in advance. All money were cleared. We were happy to make a final wired transfer and close the deal. Our closing was on the 18th of January. We called SunTrust several business days in advance to perform wired transfer. Here, we had surprise # 1. "You need a special PIN for wired transfers." It is a PIN that is not issued automatically when you open an account. You will never hear that such PIN exists up to the moment you need it. It cannot be done without physically going to the branch.

We were on business trip overseas and the closest SunTrust branch was about 14,000 miles away and 16 hours flight, so going to the branch was out of question. They will not perform wired transfer over fax, as other banks do for us all the time. They do not care that transfer is via a major closing company or that we have HUD in our names. The person (manager) we talked to refused to provide any information about him except his first name. "We will call you back." Guess what? Never heard back.

Seller's agent decided to help us and agreed to take a personal check. We wrote a personal check. Our money have been taken from our account and surprise # 2: SunTrust has decided that our check was a potential fraud on the ground of "no previous history of writing large checks." They refused to provide any written explanation why the check has been stopped. They failed to pay for the fees to seller caused by their mistake. They never called back. They just stopped check on the last day when it was supposed to be cleared. Bank manager says that the seller should resubmit the check and wait for more 5-6 business days to have it cleared.

So, the summary is we have money in the bank and SunTrust de-facto denies us access to use it. All they say, "It is to protect you." We have spent about three hours on their phone lines, talked to multiple levels of management. Three most common answers are: "I do not know," "Ouch, the department you need is closed now" and "Sorry, I am not authorized to resolve such issues. Please stop by our branch." So far, we have lost about $500 in different fees just because we "bank solid" with the SunTrust!

I went to my local Suntrust bank on E. Little Creek Road in Norfolk, VA. I told the teller that I just realized that I had only a couple of checks left. She offered to order me some, very nice. Well, today I looked at my account and it was not so nice. I was charged $21.00 for one box of checks. That is crazy! I do not spend that much on personalized checks when I order them. The teller did not tell me about a charge. Had she told me it cost $21.00 for a box of checks, I would have refused. Now, I need them and have to keep them. I called Suntrust and spoke with Nicki. She just told me if I did not want to pay for them, take them back to the bank. Really? That was great customer service Nicki! This is not acceptable and I will be looking elsewhere for a bank. Thanks Suntrust!

Bad bank experience! I went to the bank to cash a $50 city paycheck bonus. I said $50, not $50,000! I pulled through the drive-thru window, presented my check and my driver's license, and was told I needed to drive around and wait in the parking lot while they verified the check. It was insane. Was I being accused of bank fraud? Was a swat team coming? 20 aggravating minutes later, I finally went in and found the teller woman hanging up the phone and saying she could not get a hold of the city payroll person!

So, she couldn't cash the check. No other options were presented to me. I had money in my accounts there. The check could have been deposited cash withdrawn for me or they could have managed some other brilliant banking move but instead I left there check in hand and incredibly angry. I later called customer service who connected me with the bank and who subsequently apologized. Thanks for nothing SunTrust! I am seriously considering changing banks!

I needed to make a deposit for my company just before closing. I had collected the check from a client, and rather go to the office, and make a copy of the check. I asked Suntrust if they would make a copy of the check for me. They said yes, but there would be a $5.00 dollar charge for a photocopy of a check. I said I have several accounts here for over 25 years, and I have to pay still? They replied yes. Soon to be moving to a smaller bank, that appreciates my business.

On Sunday December 11th, I had a total of $24.94 in my bank account after I completed a transaction of $56.00 even with my church. I then swiped my check card @ the 7 eleven gas pump for $35.05 Sunday evening within the same day. On Monday December 12th, I made a deposit into my bank account for $15.00 so that the account would not go into overdraft and be negative. On December 12th @ 9:10pm, I received a text alert on my phone that the account was in the negative ($8.02). I immediately went online and saw that I was charged for going online to a senior citizen dating website. I then immediately called the bank and informed them that I did not do this and the Customer Service Representative asked me where was my card. I informed them that my card was in front of me. I was then told that I would not be charged any overdraft fees and they would examine the case.

I called the Suntrust Fraud Department on December 13th @ 8:30am and spoke with a lady by the name of Sherry who then gave me a case # to hold onto and informed me that the 2 charges for the same amount of $23.98 would be posted back to my account within 2 to 3 business days. On December 16th, my payroll deposit came in and it was only for $466.71. I went to the drive thru of a Suntrust Bank and I wrote a check for $416.00 and was told to come inside the bank. I spoke with a Supervisor by the name of Mrs. ** off of Bumby and West Colonial in Orlando, Fl who rudely informed me that my account was being closed and my money will not be released to me due to excessive claims. I asked her why. She then stated that this was all she could inform me of. I drove over to the College park branch and spoke with Mrs. Carol ** and she got on the phone and she stated as well that there was nothing that she could do and that I would not be receiving my money which was my paycheck.

Around 4:30 pm, I was able to speak with an (area manager) by the name of Brittney whose personal number I have. I tried to explain to her what was going on and I was then rudely interrupted by her and was told that if I did not have excessive claims I wouldn't be going through this. She then looked at the account and stated to me that I could go and get my money and she would then make a phone call to the Pine hills Branch of Suntrust. When I got up to this branch, I went through the drive thru due to the inside of the bank was closed. After waiting for 30 minutes, I was then told that no funds could be released.

I spoke with Brittney again @ 6:08 by a phone call that she made back to me and I informed her that I wanted my money and that I was very very upset and that I was being treated as if I was the one who was stealing my own money. She then told me to go back to the bank again on December 16 to have my funds released to me. On December 16 @ 9am, I went into the Pine Hills Branch and was informed that a phone call had to be made to have the funds released. I waited 45 minutes for the ok on my funds being released and I also know that Suntrust Bank did not put the money back into the account that the merchant took from me. I was informed Friday on December 16 by the Fraud Department that the merchant put the money back into the account.

The way I was treated was not acceptable. (Very gross misconduct). I was still charged overdraft fees for the gas purchase and the money was accounted for and I have text messages stating that the money was there. Please tell me why I am still waiting for my funds to be released to me. Due to excessive claims if you go back through the account you will see that the merchants most of the time put the money back. Why was I denied funds to my direct deposit? Why am I shouldering the burden of something someone else created on my account? Can you please tell me by law the funds availability with Suntrust Bank?

I made a deposit of $1,000.00 cash on 12-16-2011 into the account of an employee, like I do every Friday. On the following Monday, I found out that it only showed that $100.00 was deposited. I was told that "the back office office made a mistake", and that it would be corrected by 12:00. Its now 6:17pm on Monday, and the money has not been deposited yet. I will have to wire money to my employee, to cover his bills until the bank can correct this.

Suntrust is a bunch of crooks! I had my account with them for about 6 years, almost always over $5,000 balance! I was in a car accident on 11/11/11. In the next 2 weeks, I had to hobble around on 'crutches' on foot (no car, it was totaled). I was talking to people to find 6 witnesses willing to make me statements to support my version of the accident. I had to get each one to go to the bank to notarize their statements.

I had previously filed 'fraud charges' on 3 different false charges in different months of the year on other crooked-business charges on my debit card. So, while they got tired of seeing me and my witnesses coming in so often, I had to file another 'fraud charge' against the tow-truck company that overcharged me $40. Triple AAA defrauded me too! But that's another story.

A week later, I could not get any funds out of the ATM. I had to go inside the bank. They kept me standing around for nearly 20 minutes (a long time) while the manager and her right hand were huddled in the glass-in office, with me watching. Finally, they waved me in (I'm still on 1 crutch) and informed me my account was "closed out" for too much activity. What the **! That's right! There are too many notaries (6 in 2 weeks) and one too many fraud charges (everyone was valid and proved by the fact every crooked-business refunded the charge once I filed the fraud document through the bank).

During that time, I had ordered another pad of checks, having gotten them free for the last 2 years. Surprise! They charged me $21 for them. And a few days later, they 'closed' my account! Suntrust is a bunch of lying scumbags! Please subpoena me in your class-action against these bums. I want to take the stand and tell the world what "6 years of allegiance" to their dumb bank got me! P.S. I was forced to give them 1 star to get my complaint to post. Really, they deserve a -10 for "fraud deceit".

I was denied getting a credit card on November 26, 2011. I made application via telephone at 1-800-786-8787 for a Suntrust Platinum Visa Card. I furnished them with all required information. I was told to call back at 1-866-243-7719 for the results, in which they stated that I was denied this credit card.

I was overdrawn on my checking account, and I have direct deposit, so when my paycheck came in, Suntrust took their money, which left me with a lesser amount than I thought, not a problem. I just wanted my account to be straight. I have two accounts, one belongs to my son, but also has my name on it, I transfer money back and forth between the two accounts all the time. Because of a low amount, I kept track of my transactions over the weekend. Each transaction that was done, was recorded and show on my online account, which started on 11/11/2011.

There was nothing pending. I did transfer from my account, to my son's account, back to my account, because we couldn't find his debit card. How all of this showed online taking from my account and going to his, showing the debit from mine, and the credit to his, and when I transfer money back into my account from his, my online account show the credit and the debit. Suntrust deleted all transactions that was done over the weekend to Monday 11/14/2011, (mind you, I have been checking my account all weekend.)

Tuesday, 11/15/2011, the account had been altered. There were no transactions showed over the weekend, there was no transfers nothing, my online account stopped at 11/07/2011. I thought that Suntrust was having problems with their computer system, until I checked again on Tuesday (11/15/2011) morning and find that it did not change .

The new information became available Wednesday (11/16/2011 ). I called the bank, and spoke to the bank supervisor. I explained to her that all the transactions that took place over the weekend was not recorded. She informed me that the computer did an update, so things that happened over the weekend was up dated to Monday, and because of the holiday, all transactions was posted on Monday 11/14/2011, and that debits are posted first, which gave me more money in my account than I had.

My transfers, which was done on the weekend, did not get posted until after all the debits was posted, which overdrew my account. I had an electronic withdrawal for two hundred and twenty-nine dollars, and fourteen cents($229.14) . Which I knew was not available. I did call the company to let them know, but they informed me that it was too late. I let them know that it will be returning. But because of the way that Suntrust do their posting and putting more money in my account than what was actually there, and all the others transactions that occur left my account overdrawn by five hundred and forty one dollars and twenty three cents (541.23). I called the bank again and spoke to a supervisor by the name of Neil, he informed me again the same thing that the first supervisors said, and added that she wrote in the system no more overdraft refunds. Needless to say, I will be closing my account with Suntrust.

Hi my name is Gail **. In Jan 2011, I discovered that my business partner was stealing from our company. Feb 16, 2011, I went into Suntrust Anchor Square Branch located at 6529 Eastern Avenue Baltimore, MD 21224 and sat down with the Branch Manager Denise Holley. I explained the situation and my business partner (Marlena **) was removed from all access of the company account. I was told by Ms. Holley that red flags would notify anyone who accessed the account at anytime not to give out banking information to anyone, not on the account. The call in banking system was blocked from any use. The only access would be granted would be online, which is password protected. Or in person showing an id.

The Suntrust Hickory Ridge Branch located at 6470 Freetown Road Columbia, MD 21044 allowed the company account of Proceaux properties which I am the sole signer to be breached on on several occasions. On Jul 26, Aug 31, Sept 6, Sept 10 2011. Statements and checks were printed by a Vellcia ** and given to Marlena **. I notified the Hickory Ridge Branch manager (Nora **) and was told to expect a letter addressing the issue. However, when my Attorney called to inquire about the letter, they did not get a response. I called Ms. Nora ** on the 18 Nov 2011 and was told that the matter was now out of her hands and a Marcia ** would be handling the matter, and the letter I was expecting was not sent.

I have always been happy with the caliber of Suntrust Bank's customer service until today! I am a small business owner. I get very busy during the week to make it into the branch during operation hours, so I was thrilled with the introduction of the new deposit options though the ATM where you can deposit cash and checks through the ATM. It's almost no hassle banking! Today, as I usually do, I went to deposit money. I stuck $500.00 into the ATM, (20, $20's, and 2, $50's =$500.00) so the door opens up, spits a $20 and 2 $50's out. This happens time to time if the bills are dinged, bent, or folded. All of a sudden, this screen pops up and says, "Unable To Process Transaction", with the screen frozen, and spits out a slip that says the same thing followed by, "Sorry for any inconvenience call 1-800-Suntrust,"

Immediately, I stepped to my left to the other ATM and inquired my balance (the one on the right is still frozen). No deposit of $380 was shown! Now, keep in mind, I put $500 in, and it spit out $150. Now, $380 of my hard earned money is unaccounted for. It's lost somewhere in this ATM! So, I called a customer service rep, as I guard the ATM, I would not let anyone use it, and she basically just wanted to write a report into their system and give me a confirmation number, saying it will be notated. I was appalled at this girl's tone and with the procedure she took about solving my problem. Times are rough right now, and I cannot afford to give up $380.

I asked to speak to her supervisor, which took nearly 20 minutes to accomplish. I stated that I'm highly uncomfortable with what has happened and of how they wanted to resolve this. I told them that I needed some kind of physical proof that this would be credited to my account, an email, a fax, a recording of our conversation, which none of these she could provide. I explained to her that as a business owner myself, if a customer suggests that they have been short-changed, the merchant has a responsibility to perform an audit on the register, and if indeed there is, it surely is my fault.

They didn't call the branch manager, the guy that services the machine. I was worried that the money may be spit back out. They also refused to close the ATM down, just in case. I asked them, "If someone called and said that your machine is spitting $20.00 bills out into the street would you shut it down?" Her answer was, "Of course we would." So, I asked, "Why not when a customer inserts money and it goes missing?"

I also tried to get her to put herself in my shoes, and I asked, "Would you ever hand somebody $380.00 without getting a receipt or exchanging some kind of document, explaining the details of the transaction?" It seems like this was their first time handling this situation. So, as of now, there is no trace of my $380.00; not online, not at an ATM, and not on Suntrust's end. It's very frustrating! I took out in the cold for an hour and 10 minutes on the phone with this incapable person, and I got nowhere.

I told her I would be closing my account. I instructed her to put this information into the log, "I will be closing my account on Monday, October 31st, 2011. Of the 14 requests I made, you (the employee) were unable to fulfill." When I asked her to repeat it, she was unable to because she never logged it! I asked her again to log it. I can only hope that she did.

I requested an account to be closed, and they said it would be closed as soon as I paid the negative balance. They paid without my permission to Netflix. I was not paying Netflix, because I was discontinuing their service. SunTrust paid them even though there were insufficient funds in the account. And the account was set up to not pay unless funds were there as per their employee who talked me into opening the account.

To make a long story short, I paid the balance, closed the account, and they again charge Netflix to my closed account. And now I owe the negative amount and all fees which are adding up.

On 9/30, I sent the following email to the SunTrust customer service department. This email is being sent to you in regards to your announcement that on 11/10, my SunTrust at work checking account will automatically become a SunTrust at work everyday checking account with new fees associated with that account structure. While I appreciate the heads up on this conversion, I must tell you that I think your introduction of these new fees stinks!

I am a 63-year old retiree that, due to health reasons, was forced into an early retirement in December 2009 at the age of 61. I was also a victim of the WorldCom embezzlement scheme that wiped out my retirement funds. I am living on my Social Security benefits and my savings as my 401K plan was drained over the last two years. Every new fee charged to me lowers my standard of living and puts me in a position of having to make tough choices regarding medications I take and food I put on my table. I am fortunate in that it appears that I will avoid your $7.00 monthly maintenance fee (as I use direct deposit for my Social Security check) and only will have to pay a $5.00 fee because I use my check card for my grocery and gas purchases and to use your bank's ATMs.

But that is not the point of this email. The purpose of this email is to point out the principal that you feel you have the right to make up and pass these fees onto your customers. Don't forget that banks would not even exist as an industry if people did not entrust our money into your institutions. It's our money you use to make your enormous profits without any risk to any of your own capital.

And don't you dare say that you do not make enormous profits even in these hard times. Just look at the marble and glass, high-rise building structures you construct and work in throughout the country and the bonuses that you pay your executives. And now, you want to charge us additional fees to use our money to continue to make your huge profits while we get no return on our money at all? How much money is enough to you people? This is just pure out greed.

These fees should not be passed on to your customers. And don't even get me started on your ridiculous overdraft and stop payment fees of $36.00. Those amounts are ludicrous. All these fees are part of your operating expenses and should come out of your operating expense budget. The customer should not have to pay for your bank's operating expenses. That's just part of your owning and operating a business.

The bad part of living as long as I have is seeing how things change for the worst in our society. When I was young, banks and their customers had wonderful relationships that they equally nurtured. This was the time when you opened an account at a bank and you received a free toaster or coffee maker or alarm clock. And you also received a 5% to 10% return on your savings account. How sad that those days are gone.

Having said all this, I probably will remain a SunTrust customer because I would rather be cheated out of $5.00 a month by you than have to work with the U.S. Social Security Administration to try and set up a new direct deposit to a different bank. They are even worse to work with than banks or insurance companies. So, you win just as you knew you would. Part of the reason why I have been a SunTrust customer for so long is because I thought your company was different from other banks. I thought that you cared about your customers. I see that I was wrong. You are just as much practicing extortionists as the rest of them. You should be ashamed.

I wish I could give it less than one star! To cut a long story short, I went in to cancel my account and safety deposit box. The teller was very nice (closing the account). The account rep (safety deposit box) clearly had my number. Acting like I had just insulted her mother by closing my accounts and safety deposit box out, she stated, "The auto renewal had just renewed two days prior." It was on a Sunday! I informed her I didn't want that. She smugly retorted, "There's nothing we can do." How is someone supposed to cancel an automatic bank action that you have to do in person, that takes place on a day the bank is closed? They refuse to pro-rate or refund but are eager to squeeze every last penny out of you. I'm 110% certain I made the right decision to cut my ties with this place and run. It might be the best $55 (cost of the box) I spent to get the hell out!

Suntrust offered reduced amount for early payoff and I accepted. They stated that I couldn't make payment without a signed form, which Tameka was going to fax on 9/2/11. They said that if it's not that day, then on Monday. I waited 3 business days. I received no fax. I called about it. They stated she wasn't in and no one else could help. This went on for two weeks with no response or fax. Now it's past the agreed date to pay by. So now, I missed out on savings. And the truck is probably on a repo list now since it's 30 days out.

I placed orders for customer repairs and at time our account was positive. Well, I went to an online cash manager to check the balance, and everything was fine.

I later received an overdraft in the mail, and then the day after, and the day after that. I was blown away, so I called the call center to see what was going on. The lady told me that SunTrust is charging us if we have pending charges and NSF fees if they post. "**" I've being managing our account by online cash manager, and the people at the bank are always telling me how good of manager I am. Do you know what the lady told me? She said, "Online cash manger is not accurate!" I was pissed, our company incurred $277.00 in penalties, over something that was not shown on their online cash manager.

We are highly considering switching, because how can a bank promote an online service for clients to use, just to tell the client, "The data you saw isn't what we saw, and it's not a bank error."

I am paying mortgage with Suntrust. I never missed a payment and never been late for 5 years. The interest rate is 6.375%. The amount of mortgage the company is taking is the amount of principal for interest payment and the interest payment is higher than principal. In the last 5 years, I've paid $16,000 and my balance shows that I've paid $3,000.

There was so much incompetence. For a month, they were giving me the run around after criminals got my Visa debit card and charged $487 on 01 Aug 11. These idiots have been giving me the run around after closing my two accounts just to get back over $1,500 in my money! After a month of stress, so much time calling and going to branches just to get nowhere, I finally spoke to Daphne ** (supervisor) on 06 Sept 11 in the fraud department believing that I could get someone to help fix this mess and get me my money.

This incompetent idiot gave me a new case number and asked me for 48 hours to research. After calling her for the fourth time on 08 Sept 11, she suddenly acquired an amnesia not remembering that there were six transactions /refunds to get back funds for. She lied to me and said that only one transaction was researched or discussed with me. She also said that she did not give me a case number!

Now, I am ready to go to the branch tomorrow (09 Sept 11) and make the manager Gloria ** call the supervisor to this incompetent liar Daphne ** and get this straightened out. I want all my money to be given to me in a cashier's check. It is $548 (maybe more) because the stupid idiot had a check mailed to me today for $537.00 instead of letting me get it from the branch. And there were two more checks: $487 + $36 which were mailed on 29 Aug 11 and I have not gotten either of those!

These rotten, uncaring imbeciles have jerked me around for over a month and caused me so much stress and time. When the idiots on the phone told me to go to a branch, the ** at the branch treated me like ** saying that I don't have accounts with them. They really don't care about helping me and it just goes on and on. Well, I may have to do a sit in 09 Sept 11 even if they have to call the police to remove me. I won't leave until I have all the legally and rightfully owed money given to me!

Last night, I looked at my bank account online and had $82.61 on it. There were still three pending items for a total of $76.71. My SSA check entered the account on August 24 which would put $1,200 plus in the account. The bank put a hold on the account for an amount that was not shown anywhere to me as the consumer. I was not aware of the hold and they took $108.00 from the account for the overdraft.

As of today, at 3:56 pm EST, the account still does not show a hold of any of the monies. I spoke with the branch manager and he showed me where the hold was placed for--the hold was for $100.00. When I started to keep the paperwork he had on my account, he reached and took it from me and told me that I was not entitled to the printouts because they belonged to the bank. I said, "But this is my account and my money that we are talking about." Still, he refused to refund the fees and he also refused to give me copies of the transaction sheet he had of my account. It was different to what was made available to me as a customer.

The interest rate jumped up without notification or cause. I contacted them the day I received the first statement with the higher interest rate and was told that the deadline to opt out had passed. Three people so far have refused to lower it back down and close the account which was the opt out option if I had been notified.

My credit card information was stolen and while I'm on vacation, someone used almost $300.00. Suntrust did not stop the transactions despite seeing that my charges from the weekend were from Myrtle Beach, SC and the person who duplicated my card was using it in VA. This is the same card that Suntrust was supposed to cancel when my new card was activated. I then opened a police report and was informed by the first fraud specialist that the money would be replaced in one to two business days; this was not true. I called every day for seven days before hard post was made to my account. The fraud department manager then informed me that I could take my money to Bank of America that was my choice and then told me that they had ten days to rectify the situation.

Outraged by the manner in which I was treated and as a current employee for another bank and previous employee of two other banks, I understand that the bank can issue the credit especially when they clearly see it was fraud. I opened a police report with the area police and constantly called the bank. I also did not receive my new debit card until seven days later.

Suntrust was in no way willing to expedite the situation to make it better for me as the customer.

My wife helped a young man get a loan. Now he won't pay. I know we are going to have to pay the loan. His name is Bryan **. He works at Stephens Pipe and Stell in Russell Springs, KY. His phone number is **, and he lives at **, Russell Springs, KY 42642. With this information why can't the bank send him bad letters, and call him. He just had a scam for us and the bank.

I found him on Facebook, and he told me that we can't do anything to him for as long as he will not go back to Florida, and he was going to do this again. There should be a law for this. I also have his old Florida ID number. You have his SSN. I wish the bank could help in some way. Thank you.

SunTrust employee contact: Gail ** (sp?), ** Fax number: **.

On June 29, 2011 I placed a stop payment order for six months on an automatic semi-monthly charge to my checking account and paid $36 for the service. An earlier stop payment order for the same transaction on June 15 and the new one for June 30 were executed correctly. But on July 15, the $1,100 payment was made over the stop payment order causing the account to be overdrawn. There were three $36 overdraft charges after that. A subsequent automatic charge for health insurance premiums was not paid as a result.

I discovered this on July 24 and contacted SunTrust Customer Service early on Monday July 25. Initially, SunTrust was responsive and reactive that morning. Two of the three overdraft charges have been reversed. Since then, there has been no communication with respect to the $1,100 incorrect charge, the last of three overdraft charges or the $36 service fee. (If the service doesn't work, then I feel a refund is in order.)

Since then, I have tried to call for current status reports four times. I left messages twice, requesting current status information but have not heard anything. Feel like they are stonewalling at this point.

There was some discussion that I should have called SunTrust early on July 16 so they could reverse the payment. But I don't think banks can transfer the responsibility of timely daily operations over-site to their customers, I did pay for this service. The only justification for SunTrust not reimbursing $1,172 to my account is to avoid taking an operating loss on their books.

Then, late on July 28 I learned they have charged off the overdraft balance and are looking to me to recover the -$608 balance. That's expecting me to cover the overdraft they created plus I would eat the $1,172 they have incorrectly disbursed from my account. My loss then becomes $1,780 all because they did not honor the six month stop payment order on July 15 which had been issued June 29 and was honored on June 30.

Had the stop payment order been honored my health insurance premium would have been paid timely and the account balance would now be $150.

All my loan payments have been either late or not posted, according to them, yet I have proof from my bank that they were paid in the allotted time periods. My last 2 payments never showed up on the account, causing them to place my vehicle in 'repo' status. They have called and harassed me daily for the past 6 months, for payments that have cleared my bank and were mishandled by the inept staff. I have negative reports now on my credit reports due to the mishandling of this account on their part. I am not a slacker, and pay my bills on time. I just don't understand how a bank as large as this can screw up so many people's lives and still be in business.

My loan is in loss mitigation and getting nowhere. Collections keep calling me and I tell them my loan is in loss mitigation. Loss mitigation informed me that the collections department has no way of knowing my loan is in loss mitigation. It doesn't show up on their computer. I have to call loss mitigation every 15-30 days to check my loan status, different reps every time with different answers each time

I have a mortgage with SunTrust Bank. This is a vacation rental located at Destin, FL 32550. The house rental was directly impacted by the Deep Horizon oil spill by BP on April 20, 2010. I was unable to pay the mortgage for the first time in June 2010. In four years, I had never been late. And I have been trying to bring the mortgage current since December 2010.

I have contacted SunTrust by certified mail for payoffs. I have also contacted the law firm of Ben-Ezra & Katz which was representing SunTrust Bank. The law firm did not help me. In February, the law firm no longer represented SunTrust Bank. Then, SunTrust gave me the new law firm in Atlanta, and I contacted them in March by fax for a payoff and have not received a response. I called SunTrust again this week and was told Mrs. ** would contact me. But she has not called me.

I would like to pay the mortgage and late fees from June to November 2010 and the payments from December 2010 to present. I do not think I am responsible for law firm fees or late penalties since December 2010. And I would like to bring the loan current by May 1, 2011. This was a one-time event out of my control which caused me to go delinquent, and I have been trying to bring it current since my settlement with BP in December 2010. Please contact me about sending the funds to SunTrust Bank with certified check by FedEx.

Hi. You guys should look into the HIME modification, how the servicers are taking advantage. Heres what they did? I applied for a loan modification in May of 08. We were told we qualify. Well, Suntrust mortgage never did their job by not doing the paper work on the loan. Well, now Nationstar now says we are $20,000 behind. We were told to pay a reduced amount. We've been paying that reduced amount for 1 and a half years. We are now told we now don't qualify. You know that if I don't do my job, we get fired. But nothing happens to them. Please tell everyone to watch out.

SunTrust Investment is trying to make me sign a document that they say they need to recognize me as Durable Power of Attorney. They have a copy of the DPOA. The form they are trying to make me sign includes incorrect information which contradicts the DPOA. Also they are asking for information which includes: where I worked, my driver's license number. They are trying to change the Durable POA to say that if my mother becomes incapacitated in any way then the DPOA becomes null and void. My DPOA states that that is not the case. They also say that they can at their discretion not accept the DPOA. They can obtain credit reports when they want to, that the affidavit will be governed by the commonwealth of Massachusetts, etc., etc. SunTrust bank however, only wanted me to sign a form relieving them from any responsibility. That is all I expect SunTrust Investment to ask for. All I want to do is be able to manage my mother's affairs if she becomes incapacitated.

All of you people are absolutely ignorant, and 99.9% of you are lying! SunTrust does not "clear then pend" online banking. You need to learn to read it, they never lost your deposit, you put the wrong account number on it when you deposited it at the ATM! And when you're charged fees, yes, they say pending at first, but are immediately deducted from the available balance. Most of you are just ignorant uneducated whiners that just want to complain because half of you are too stupid to balance a check book! And complaining of a low appraisal? SunTrust does not hire the appraiser; it's a state tax appraiser, **! And if you haven't noticed, the real estate market has dropped due to the economy! So to all of you ignorant, uneducated, half inbred, **, learn about what you talk about before you open your mouth and look like fools!

I was given a gift card, and I got ill before I had the chance to use it. I came to find out that the bank took most of my money in fee, they had already been paid for the card. How can this be right? I call it armed robbery. I thought the law made these practices illegal.

Constant text spam on my cell phone. 17 messages this morning, about 10 Saturday night. Can't anyone stop them? I have never had any dealings with this company--this is pure trash text messaging.

I called Suntrust to inquire about making a principle payment to my auto loan. I was told I could do it over the phone for a fee and simply needed my account and routing numbers. I got off the phone, moved money from another financial institution and gathered all the account information as directed by the Suntrust rep. However, when I called back, I was now told that I could not make a principle payment over the phone with no explanation as to why I was told otherwise 30 minutes earlier.

I am taking my business to another bank and am refinancing with another institution. It is frustrating to deal with a bank that does not know what they are doing and puts the inconvenience on the customer because of the banks lack of competency. I left doing banking with Suntrust years ago and now I remember why. They will never get my business again and I am beyond frustrated with the incompetence that I have had to deal with.

Watch out for this company's predatory banking practices! They do it without any upfront explanation to potential customers. Tread carefully if you do not want to be in a trap! Prediction: loss of customer base = less bank business (natural selection).

Suntrust pulled over a thousand dollars out of my business account saying I owed them for an over draft line of credit. They claimed I refused to make a payment plan with them which was untrue. I have no money for payroll this week because of this. I already had one foot in bankruptcy and thanks to their actions I now have no choice but to file bankruptcy. I offered to make a payment plan if they would replace the money in the account for now and they refused. I explained to them if the business goes in to bankruptcy they will not get the rest of the money I owe them. Of course they refused. Thank you Suntrust for helping yet another small business go belly up in this failing economy. Companies like yours are the reason we are in this recession!

I had an occasion where unbeknowest I had overspent a charge on my Suntrust Card. Did not know this had occur ed until they posted a total of $72 fees for this $15 error. Well, wouldn't you know it, turned around and they approved another overdraft. I had made a purchase through PayPal and they were the primary bank account, however, I had chosen PayPal buyer credit as backup funding, not Suntrust.

Anyway, they approved once again, added exorbitant fees once again. I contacted them about this. They excused $36 fee on August 18th and posted this to the message center online after banking hours were closed, before I could get to the bank, before they were even open for business. On August 19th, they posted an extended overdraft fee in the amount of (you guessed it) $36 and said since they excused the fee once they could extend no further credits. I asked them since they have contact numbers, email address, why they did not attempt to contact me when this problem occurred? Why they took so long to issue a credit to the point giving no chance to pay before any other fees were tacked on?

I am furious and I only paid the original $20 charge they approved and the $36 overdraft fee. This is dishonest the way they handled this and I am never going to do business with this bank and already have family members who have closed their accounts and I am on a campaign to have friends and other family do the same.

On May 2, 2010, the flood hit Nashville and took our home, all of its contents and our vehicle. We are unable to live in the home. We have received the max from FEMA and have applied for an SBA loan. Since May 6, we have been attempting to modify our loan so that we may rebuild! We have actually not only contacted our servicer, Sun Trust, but also Fanny Mae. Each time we have been disconnected, transferred, lied to by Sun Trust, hung up on, laugh at, spoken with someone who was completely apathetic or incompetent, ignorant about the flood, or threatened to "come get the keys" (this comment was made by a Fannie Mae employee).

After approximately 37 phone calls to Sun Trust, we were given a 6-month forbearance. No one at Sun Trust seems to know who to speak with for loan modification. We even had the VP of the Sports and Entertainment Division of Sun Trust Mortgage call her own company in attempts to get this information, and she was also hung up on, disconnected, given the wrong name of some one who supposedly "had our file"! A Vice President of Sun Trust! We were told last Friday by Sun Trust that we cannot have a loan modification and a forbearance.

Why weren't we told that up front? They could not tell me if that was a Federal law, or a Sun Trust "rule". We would have pursued simply the modification right out of the gate if it was an either or situation. We have applied for SBA and are willing and anxious to rebuild our home, however, we have not found anyone to speak with at either Fannie Mae or Sun Trust to modify our loan so that we will be able to afford both our mortgage payment and the SBA loan! There is something deviant and shameful about this picture. It is not a joke! We are real people! How will you at Fannie Mae help us? Is it not in your best interest, Fannie Mae and Investor- to help us?

I am reminded every time I call Fannie Mae, that you are "simply the investor. Why am I calling you? I am sorry if I sound angry or frustrated, but I am. The loss was completely and utterly devastating on so many levels, and the apathy from both Fannie Mae, and the service is despicable! How will/can you help us? I am actually working on exposing the banks with the local media. We are not in the foreclosure process, and have not filed for bankruptcy, but maybe we should!

What a despicable, evil nd greedy mess. I will wait to hear from Fannie Mae. Hopefully, the person dealing with me will have not only a brain, but also a heart and a solution aside from a ruined credit score. It's an extreme emotional distress.

This bank continues to hold small fees until it piles up in order to charge overdraft fees instead of deducting those fees early on. This bank is clearly manipulating overdraft fees and should be investigated because I am sure I am not the only consumer this is happening to. They are also charging a fee to which they have not mentioned to me or probably any other consumer such as $36 extended overdraft fee. This bank is causing the overdraft by failing to deduct fees when it is suppose to. It was never explained or written in anything from Suntrust that there would be an extended overdraft fee charged either. This bank is clearly doing the same thing that Wells Fargo bank has been caught doing to its customers. I intend to start a petition where I can get in touch with all Suntrust customers and see if they are experiencing the same problem. This is unfair.

My sister and I work for the same company. Unfortunately they cut our hours down to practically nothing. We have debits coming from our account that we could not cover. We felt the only thing to do would be to close the account and get a debt consolidator to help us. We went in Friday August sixth and we closed both of our accounts with a zero balance. The balance was zero, Friday, Saturday, Sunday, Monday and come Tuesday we were both negative well over 500 dollars! A debit came into each of our account and they re-opened our accounts, paying the debits and charging us NSF fees!

How do you pay debits on a closed account? How can you re-open someones account after they closed it? To this date they are still paying my bills and I am getting further and further in the hole. On top of that half of the debt is NSF fees!!! The debt consolidator cant even do his job because the bank won't quit paying the debts. My sister and I have been going around and around with several different people at the bank and we are getting absolutely no where. I have never heard of a bank that pays your bills when you have no money to pay. If I have no money, I can't use a debit card so how or why do they do this. I'm completely stressed out, in tears on a daily basis. I am heading for financial ruin.

Obviously, I am further in debt. I cannot pay. I cannot get a debt consolidator like I wanted to, to get out of debt. I am completely stressed out, in tears all of the time. My sister is so stressed her hair is falling out. We have very very little money, children to feed and we worry of the day the swoop down like vultures and take our pay without warning. We barely pay the rent and utilities right now and we need pinch every little penny just to buy a loaf of bread. Obviously, I am further in debt. I cannot pay. I cannot get a debt consolidator like I wanted to, to get out of debt. I am completely stressed out, in tears all of the time. My sister is so stressed her hair is falling out. We have very very little money, children to feed and we worry of the day the swoop down like vultures and take our pay without warning. We barely pay the rent and utilities right now and we need pinch every little penny just to buy a loaf of bread.

In March of 2009, I contacted Suntrust Mortgage to let them know right away of change in child support. I had never been late in 6 years that I had my mortgage, except one time due to an error with child support direct deposit. I wrote letters and told them I would be getting a decrease of $15,000 per month.

They told me because I was not behind, they could not help me. I was approved for short sale in Sept. of 2009 and received an offer on Nov. of 2009. I had stopped paying my mortgage because I lost all child support due to my daughter turning 18. I could not afford to pay my bills and my mortgage. The home was set for foreclosure on Feb. 2nd and it took Suntrust till Jan. 28th to approve the loan. But by that time, the buyers chose to back out because it took too long. Suntrust would not allow us to try to get another offer and the house foreclosed on Feb. 2nd.

I opened an account with my then 16-year-old son. Now he is 19, serving in the Air Force and stationed in AK. I asked to have my name removed from the account in February 2010, this could not be done without him present but I could close the account. I did not do this because he had automatic drafts for his car payment. He was home on leave for 2 weeks in June, so we went together to remove my name. Once there he decided to go ahead and close the account.

Since then, other automatic drafts have been presented on the account and Suntrust says that until the automatic drafts are stopped being presented to the account, it will remain open even though we went together to have the account closed. I do not have the option of closing this account. The drafts will continue to come in and the account will continue to accrue over draft charges.

I want the account closed and they will not allow me to do this! How can this be? If the account isn't closed and continues to accept automatic drafts, it will be reported on my son's credit report and he could have his wages garnished (or mine).

Sun Trust failed to pay our hazard insurance premium out of the escrow account in a timely matter forcing the policy default if action was not taken. Sun Trust lied about overnight the funds as I got notice a week later that the policy would expire. The mortgage payment was due at the same time. With only enough money available to cover the entire payment, I paid the insurance premium in full and forwarded the balance of the payment to Sun Trust with a detailed explanation of how the funds were to be applied including copies on the transaction checks etc. to all departments.

Sun Trust ignored this information and proceeded to harass us on the phone and refuse to concede error on their part. All payments were submitted to Sun Trust on time and in full. I have launched a complaint with the FRCH. I request the negative information be removed as of such time that this is resolved.

I wrote a check to cover a cable bill for $245.00 and SunTrust padded out $285.00. I moved back to Georgia after my divorce and ended up being out of work for three months, so this was the last bit of savings I had.

After three and a half months, I finally landed a job. I logged into SunTrust from my phone to pull up my account information so I could set up direct my direct deposit, only to find that my account was negative $310.00. This balance was a result of SunTrust paying out $285.00 instead of the $245.00. I wrote the check for, along with a Gold's Gym account that I had canceled three months before the move, and they still had continued to take $50.00 a month from my account, which I had requested SunTrust to remove from my account.

The $310.00 was all bank charges/fees. It took five phone calls just to get them to refund the $40.00 they overpaid, but they refuse to remove any of the resulting bank charges/fees that accrued because they released more money from my account than I gave permission. The day they refunded the $40.00, they hit me with another charge/fee of $36.00, bringing the total back to $301.00. I am behind on all my bills, credit cards and about to have my only means of transportation repossessed.

Needless to say, my car will be the first bill paid once my pay checks steadily roll in. I am fearful of what the balance of SunTrust's charges/fees will be by the time I can start working on paying them off. Is there any legal help for the small guy? I am getting deeper and deeper in debt to SunTrust in just fees, money I can't afford to pay out now or in the next six months. I fear, by then, this will be double or triple the amount they are cheating me out of now!

Virginia at the Suntrust North branch office in Cleveland, Tennessee asked me if I needed a line of credit when I was moving money from my checking account to my savings. I told her that a previous Suntrust representative heard me say several times that I purchased my home from my brothers on November 18, 2009. She said the date of purchase did not matter since it was the "loan to value" that was the only thing that needed to be met for a line of credit.

Since "loan to value" is not determined in the first year based on the home's value, since the home's value is usually maximized at "the market price", the home value is simply considered the amount of the loan and therefore no line of credit or credit of any kind is issued in the first year of buying a home. I was repeatedly told in April of this year 2010 by another Suntrust agent who ran a credit report through Equifax; and again another Suntrust representative by the name of Virginia July 13, 2010 told me the same thing that my home's worth is all that Suntrust uses in determining my being approved for a line of credit. Since my home is worth two to two-half times of the $60,000 loan on November 18, 2010 according to the appraiser used by The Bank of Cleveland in Cleveland Tennessee, each time a credit report was run through Equifax. Since each time I said that I did not authorize a credit report being run through any credit reporting agency if the date of my purchase was an issue of being within the last months less than a year.

Each of these two times I was misinformed by Suntrust representatives who both times said they simply didn't understand me. The time in April the Suntrust representative told me she didn't hear me say when I purchased my home. This is no excuse for Suntrust to use since they have to record the date of purchase and tell me in being fair up front that I had purchased my home at a time too early for a line of credit. The second time, this week, I spoke with Virginia today reminding her I did not authorized Suntrust to run a credit report and told her this same thing happened in April through Suntrust. Virginia told me that the date of purchase had nothing to do with Suntrust's decision. Virginia stated and restated many times in our over 15 minute conversation that my "loan to value" was basically zero since the "value of my home" was figured by Suntrust to be the amount of my loan. She left out what other representatives over about a two-hour span of time told me today that my loan could not go through because I had a new loan not a year old.

Virginia told me she could not give me any phone numbers to call and did not know what she could do to reverse the fact that Suntrust had run a credit report this week. After about three hours of calling, I reached her with the statement that a Suntrust Loan Officer had given me her regional supervisor's office and cell phone numbers and told me that if she didn't know how to correct this matter, that her supervisor would correct this matter. Virginia then told me she would call Suntrust's "Consumer Direct" department and correct this matter and added that I didn't have to contact her supervisor. Virginia said this in a hateful abrupt manner waiting for my response. After my pause (to listen if she was still talking to find she was not), I simply said, "Okay, thank you. Good-bye" to keep from what was harshness about to issue from her if I had in anyway continued the conversation.

Her conversation earlier with me had gotten to the point that she said all that I had to do was to pay for an appraisal and I would be sure to get a "line of credit" if my home was worth what I had told her my appraisal was set at. Then, she attempted to start an argument with the words, "Well, I'm sorry you don't want to do business with us." I told her that such was not the case, to then order the appraisal which she would neither confirm nor deny she would order when I asked her if she was going to order an appraisal.

My conclusion after speaking to a Suntrust loan originator is that in both events the "loan originators" were under pressure to generate information for pulling someone's credit report. Suntrust's pressure for bank representatives to produce during tough economic times has led to these two events. I want Suntrust to be informed of this complaint's every word and for Equifax to warn Suntrust against such pressuring of its employees to create credit reports such as these that were taken by Suntrust in an unfair way. It is up to Suntrust to get the information it needs to adequately inform its loan customers of the possible outcomes in a correct and professional manner. Both of these records on my credit report must in fairness be removed or so noted as being unfairly and falsely taken without my express and informed acquiescence.

I believe this to be a Suntrust management problem as I have had a problem of a run around with "my" checking and savings bank, Suntrust in even getting a loan when they instructed me I had to get the house signed over to me outside of closing by my brothers as co-owners before they would sit down and determine a time for closing on my loan (that I had to get through the Bank of Cleveland due to this). I want this matter to be resolved at the earliest time possible, these two notes on my credit report to be removed that Suntrust has falsely and actually illegally entered against the Fair Credit and Reporting Act that I personally have studied and taken a test on. So, I know full well what they have done is at least errors and at worst institutionalized fraudulent activity being engaged against their customer's best interest within Suntrust.

I went into the bank, as I have numerous times, to cash a check from work. The other bank that I have an account with is too far and I was on my lunch break, so I walked in and went up to the counter. I took out my license and asked the teller what else he needed. He said, "nothing". Mind you, before then he didn't even greet me. So he kept looking at my license and looking at me, I asked him what was wrong? He said again "nothing". One minute later, he looked at me and asked "is this your daughter?". I said, "I'm 28 years old!". He said, "do you have a sister?". I told him no, politely. He kept asking me questions and rudely accusing me of not being who I said I was.

Finally, I pulled out my YMCA ID card and showed it to him. He didn't even apologize, he just handed me the cash. I asked him before I left, "what is it that made you question my license, was it that I put highlights in my hair?". He said, "yes and that you have put on weight". I was floored! I could not believe someone would say that to another person. I actually couldn't even eat lunch because it hurt my feelings so badly. This individual should be written up, you don't treat people like that. I am an outstanding citizen with a great job and nice disposition. I now will never get an account with this company if this is who represents them. Unbelievable! You don't question people without reason and you definitely don't tell someone they have "put on weight". The damages are not physical, they are emotional. People need to be aware of this.

I would like to reiterate Andrzej's experience. I am now being sued by Suntrust because I would not go along with their onerous options laid before me to restructure a loan. I insisted on working out a plan that would ensure my survival and recovery of their asset, and they decided if they could not have their unilateral agreement, they would sue me. They have cross defaulted my loan with another secured loan I had though that one was in good standing. I am spending thousands now to defend myself against the nearly unlimited resources of these people, when I was willing to work out a deal to keep them and me whole.

I had some repair work done in PineBluff, NC. When I paid with a debit card from SunTrust, the vendor said that there was an error message and that they were having problems with Sun Trust debit cards. The vendor asked that I resubmit the card as a VISA charge so they could get paid. The vendor stipulated that I should check my statment to make sure that I was not double billed. Upon receiving and checking my statement, I did indeed get double billed for the service in NC. I called the bank and informed them of the situation and their response was to send me a form for fraudulent practice and to expect a 60 day delay on recovering the monies.

I called the vendor in NC and informed them of the double billing and asked them if they had received the monies; their response was that they received the debit payment but not the VISA payment. I then went to my branch bank in Titusville, FL and explained all of this to them showing them the receipts with the error code on the first debit charge and the VISA charge receipt. Their response was that it was out of their hands and I would have to file a fraud claim. I did so with reluctance knowing now that it would take more time and effort to reimburse my account.

IT appears that SunTrust has become so impersonal that they cannot deal with errors in a timely manner or at least pick up the phone and call the offending party and try to clear up the dispute. I wonder how many other parties are double billed by the bank and have to wait for their monies to be refunded. perhaps millions of $$$ are "played" with by the bank to give them a better bottom line. Consequences are that I have filed a claim form and am waiting for my monies to be returned. Banks are quick to retrieve fees, but seem reluctant to pay back when they are in error.

Apart from all the fraudulent ways that Suntrust charges its overdraft fees (eg. holding cash deposits overnight etc.), it has just stooped to a new low. Earlier this year, Suntrust vigorously advertised that paying all of one's bill on its website would not only save an individual the time, but also, after three months, earn current and potential customers $100 and $150 respectively.

However, what Suntrust did not openly divulge was that three bills had to be paid EACH month for THREE consecutive months before this one could amass this vast wealth. No, this most vital information was conveniently and covertly snuck in the fine print. I am looking to initiate a class action against this bank for fraudlently deceiving customers into revealing to the bank what and how their payments are made to various companies. I believe this was just a ruse to get customers to reveal personal information about their bill paying patterns.

6/20/10 In my case they made my account negative by charging first fees, then credited the wire amount that came in. At the branch, under Kevin Henderson as store manager, they told me the wired money were available, and of course I withdrew the money. Right there, at the counter, they didn't even tell me "hey, guy, you have already a negative balance, are you going to take care of it?" And of course I didn't have any reason to ask because I knew my balance was positive, and couldn't imagine they had already applied a $36 fee for NO REASON!

Next, at the top they applied the wire fees, and the balance goes negative up. Last they applied the coming in wire amount and the negative balance dropped down, but remained negative, you see the sneaky trick? Then they applied another $36 fees, for the negative balance they created.

Now here is the drill! A few days later, same week, I walked in the branch store, in person, and deposited cash for which I spent 15 min until they counted it. Nobody dared to tell me "hey, guy, you have a negative balance, are you going to take care of it?" I was "sleeping" well because I couldn't imagine their sneaky techniques. That resulted another, third fee, of $36. Then I wrote a check for the cash I deposited and this time my check bounced because they held all those fess that I was not aware of. This is where I woke up and found out about all these frivolous techniques!

For the records, all this took place on 5/25/2010 at SunTrust branch in Publix, with players of the game, the counter manager Maggie O. and branch manager Kevin H., who has a filthy habit: when we walk into Publix to shop, he bothers our walking by getting in front of us with this killing fake smile, and chilling handshaking, bending his back to us as the beggars do, saying "welcome to SunTrust"! Personally, at the beginning and seeing all these complaints online I thought they are scam, making up cases to take people's money by fees.

But my experience was finally positive. I called district manager Lisa H. She was amazing although she was not in charge of the certain branch store. She speaks very little, but in 20 min, the right district manager Daniel H. called me personally, and then the customer service operator Chastidy took care of the rest. After this resolution, I am amazed. I think that in SunTrust there are really professional persons like Lisa Hill, Daniel H., and Chastidy and they take care of the mess that managers like Kevin H. and his crew create. I mean, I am sorry, but I am a mathematician, Kevin H. probably knows less than me in ordinary math and numbers; there I am with printed out all the transactions, speaking simple logic, and I have this guy telling me over and over, again and again, the same stereotype answers on my request! I felt like the guy doesn't even use his brain! I mean, come on manager, not all cases are the same right?

Besides, the guy bending at the door, the so called store manager Kevin H., called me! On TH' 6/3/2010 at 5:50 pm, ten minutes before he goes home! I asked what is the purpose of his call. He answered, "is anything we can do for you, so we can continue the same relationship like before". What anyone would have answered? The fees, right? This is what I answered, "refund the fees and we will be ok". Well, suddenly the door-guy Kevin H., remembered that the purpose of his call was not to get me back as a customer, but to criticize me and interrogate me, if-and-why I reported he was unprofessional!

For second time, he persisted interrogating me if I reported that he was unprofessional. Right there, is this unprofessional to call the customer back at home, at 6:00 pm, evening with family, like solicitors do, and intimidate me on my report of his unprofessionalism? Yes, it is! But he is such a dump that couldn't realize what he was doing right there! I answered, "yes Sir, you were unprofessional. One time when I walked in the bank and you gave me the wire amount although it was not available, so just to create a negative balance and charge me with fees. You lied to me on purpose telling me that I have this amount available. Second time, when I walked in, in person three days later to deposit the cash, again you didn't tell me about my negative balance resulting I wrote a check that bounced!"

Right there I asked him, "is this professionalism to you?", he went speechless. It was a "mmm..., Hmmm..., aaaa..., eee..."! something was going on in his mouth (it's possible he was eating!) at which point I decided not to give more time to croak sounds, and I finished the call saying "thank you for your call, Sir!" How is this possible to call me interrogating me whether he is unprofessional, when calling a customer home at 6:00 pm is soliciting and at the same time interrogating me is at least a lawsuit! Aren't these two incidents alone unprofessional, yes or not? What a low level freak!

But again, other than that, I feel I should reward SunTrust with continuing doing business, although I had decided to take my fees back and walk. But I think that's not fair. Daniel H. showed real professionalism. I feel great about it and I write all this incident with the purpose to be fair. This should be recorded among the rest of complaints.

Contacted my bank on 4/8/10 to inform of unauthorized charges on my acct. They sent me a claims form to complete. They stated once the form was received it would take 30-60 days and if they found the charges were not justified, all charges would be reversed.

I submitted the form on 5/2 via fax. I contacted the Claims dept because I was now receiving letters from the bank stating they were going to close my account due to the negative balance.

The man I spoke to (hispanic) in the claims dept stated that I did not have to worry about the acct being closed as they were aware an investigation was underway. It was just a formality.

One month later on 6/14/10, I receive a letter from the bank stating they closed my account!

I immediately contacted the Claims dept again, this time speaking with a young lady. She in turn speaks with someone in Recovery and they tell her I'm lying. No one could have told me that, when indeed they did! She then went on to say there was nothing they could do anyway because they can't reverse overdraft fees. Again, not what I was told when I began the investigation.

This bank has misrepresented everything surrounding this issue. I reached out to them to assist me through a fraud issue and instead I get burned over $200?? Unreal!

They continued to process these bogus charges so they could continue to assess overdraft fees @ $36 each! Weekly overdraft fees (even after I had submitted the dispute!

I have been with SunTrust for 10+ years with my checking/saving, credit card and even a mortgage without any problems until recently they started to hit me with fees without inform about it. I did a stop payment and they slapped me with $36 fee without inform or warn of the fee during the online process. $36 bucks is not a big deal but I don't like their business practice. I am looking forward to move all my stuff away from SunTrust.

July of last year my husband and I reached out to Sun Trust, our mortgage holder for some help. I am A school bus driver and am layed off thru the summer months and do not collect unemployment. My husband works in the automotive industry and last yr we all know that industry took a great big hit. He was able to keep his job but, he worked 32 to 24 hrs A week for over 7 months. We contacted Sun Trust for some help. We could see we were going to fall behind on our payments. At first we did not qualify, I was told we were current with our payments, we had to be at least 2 months behind. I informend them that was what I was trying to avoid.

We got set up with A loan modification. What A joke. They put us on A forebarance program that cut our payments in half for 6 months. We were told that at the end of the 6 months to continue to make our normal scheduled mortgage payment. I did just that, I sent in January, Feburary, and March's payment They all got returned. I called, they told me I had to come up with almost 8 thousand dollars to bring our mortgage current. I was told when we got on the forbarance program the amount that we did not pay would be rolled into the rear of our mortgage loan.

For the past year I have been calling, trying to work with sun Trust to bring our mortgage current. Next thing I knew we were in foreclouser. I called again, I was told we were still in the loss midigation process to just hang in there. In the month of May I got a notice that Sun Trust was putting my house on the sherrif auction sale. I called once again, was told to submit pay stubs and bank statements, which I did so. They would post pone the sherrif sale, I went to the sherrif sale because I did not belive a word suntrust said. My house sold for 14,600.00. My mortgage was over 95,000.00 on our home.

You want to know the consequences? I have lost my home. I have until December to get out. You sold it well under what it was worth. I was lied to, miss led. Sun Trust should be ashamed of how they the conduct their business. I hope for the Sun Trust employees, that A loved one, A close friend of yours does not get the same treatment that you give your customers. Now my husband and I have to explain to our children, why we have to move, leave the only home they have ever known. Thanks Sun Trust. You need to Change the name of your bank to Sun Scam. Your customers trusted you, and you totally mis lead them, take advantage of decent, honest hard working people. SHAME ON YOU!

Suntrust is the worst bank I have ever dealt with in my entire business career. I came across this ridiculous entity when I moved to this state and opened up a business. Initially, I blamed myself for any fees that I incurred due to a chaotic and stressful beginning of my business. But as time passed and the business became less demanding, I began to realize that I was paying thousands of dollars in fees because Suntrust chose to pay bigger transactions first and let the smaller ones incur all the individual fees.

There's a fee for insufficient funds, there's a fee for them paying a transaction with those insufficient funds, next thing they're going to come up with is a fee for having funds in the account because they can't charge any more NSF's! By the way, did I mention that there really is no procedure in how they pick which transactions to pay or not. Sometimes they will pay a transaction by over drafting your account by a thousand dollars and other times they won't even let a $400 check through. When asked why so, their representatives are quick to say that the computer decides what to pay and what to reject.

They hold transactions as pending for days just hoping that there will be others that they can charge fees on. I do not go to the bank everyday but in the last month, I have gone to the bank on 3 different occasions when their computer systems just happen to be down. I rely on online banking to try to prevent a situation in which I would have to deal with them. They have given me handwritten receipts after making cash deposits in the thousands.

It's terrible that they can't even waive the $8 fee for getting cashier's checks from a business checking account that even has all the merchant services for credit cards through Suntrust. But what has irked me off the most is their refusal to give me blank deposit slips, yes deposit slips. Earlier today, I made a cash deposit of $2000 and asked if I could get a couple of deposit slips since I was on my last one and wasn't going to order checks for some time. The teller proceeded to tell me that they usually do not give them out unless you have more than 5 checks to deposit. Are they serious?

I told her not to worry about it because I won't be needing them at all anymore. That was definitely the last straw! Unbelievable! How cheap do you have to be to not be able to give out a couple of deposit slips? Most banks have them sitting at the counter but not Suntrust. I am proceeding on closing my account no matter how much more trouble changing by business account may bring me!

I first opened my checking account with SunTrust Bank, because they informed me that they had implemented new fees on their savings accounts that would result in a $25 a month charge if I did not keep a minimum balance. The sales representative whom I spoke with told me that the checking account would be a better option for me since SunTrust is not my primary bank and I don't keep funds in the account; I only use it as a local option when I am away from home.

I was signed up for a student checking account, and my savings account was closed, all so that I could cash a check. I initially had problems receiving my debit card and logging onto the online banking system. But those issues were resolved in person when I said that I was having issues. I received three phone calls in the next week to see how my new account was and asking whether I had any problems. In the beginning, all was well.

Soon however, my balance started to dwindle as funds got tighter, and this is when I encountered problems. I checked my balance online frequently to ensure that I had funds before I made any purchases. Apparently, as I later learned, this wasn't a reliable way of checking my balance. On the afternoon of April 12, I checked my balance and pending charges and saw that I had $4.78 available. I had no pending charges. I double- and triple-checked to make sure this was correct before I made any purchases. I made a purchase for $2.12, thinking I was covered. The charge was approved without incident.

I knew that my balance was dismally low and ceased using my debit card or checking my balance until I had the funds to replenish my account. The first correspondence regarding my overdraft came in the mail on April 20. Apparently, a charge from three days prior to April 12 had finally been added and approved, now making my balance -$1.34. I received no e-mails, phone calls, or notification of any kind until I received the letter in the mail informing me of a $25 dollar overdraft fee.

My initial reaction was that the letter was wrong, because I very diligently checked my balance before making any purchases. My next reaction was that $25 is a ridiculous amount for a penalty on a delinquent balance of $1.34. I logged onto my online banking on the night of April 20 to find that another fee had been added to the original on April 19. My balance was now totaling -$62.34 because of an extended overdraft. Again, I have received no phone, e-mail, or mail correspondence regarding this new fee and I shuddered to think how many more fees would be tacked on if I hadn't received my mail right on time. This is a ridiculous business practice.

First and foremost, I was never offered any type of overdraft protection or informed that it wasn't standard on my checking account. Also, the misrepresentation of my balance online is unacceptable. It is stories like this that discouraged me from opening a checking account with SunTrust in the prior two years when I had only a savings account.

This is also why I will be closing my account with SunTrust and moving my banking elsewhere if this matter is not resolved. I will also make sure that no person I know will ever bank with SunTrust and everyone will know of their shady business practices. To charge a college student in excess of $60 worth of overdraft fees on a delinquent balance of less than $2 is absolutely despicable. During the past three years, I have also funded all of my student loans through SunTrust, but I plan to remedy that immediately.

As a struggling college student with federal Pell grants and subsidized loans, I have nothing to fall back on. I was living on less than $100 a month for food and gas and now I have lost 2/3 of a month's worth of food and transportation because of this. My only family members are my retired grandparents who live off their social security. It is disgusting that I will now have to go hungry because of these ridiculous fees. I would never knowingly overdraw on my account if the balance had been represented accurately, and I would have gladly transferred funds immediately to cover the delinquent balance had I been notified. Now I don't have the money to cover it and I'm sure there will be more piled on the longer it goes on.

I had a five-year commercial loan of $1,500,000 with Suntrust Bank which matured in December 2009 with a balance of $1,349,616. I maintained my payments in the past, even under extreme financial hardship, where my building was vacant for over a year in 2008. Since February 2009, the building was 75% occupied and 100% occupied by December 2009. I have all documentation supporting my ability to maintain monthly payments, yet I'm facing foreclosure because I cannot meet my lender's loan extension requirements. After discussing the terms with Suntrust, the offer was slightly modified but completely unrealistic.

My complaint against Suntrust Bank is based on Suntrust's fraudulent and dishonest business practices, unfair treatment and acting against public interest (unless it is in public interest to have more foreclosures). Our modern society cannot function without banks, not banks acting like ruthless extortionists, but the ones which provide services to the public and our economy. Unfortunately, Suntrust Bank does not fit into this category. Instead, it accurately fits that of a loan shark.

The restructured loan proposition offered by Suntrust clearly reveals predatory mechanisms. Characteristics typical for loans designed to exploit the vulnerable borrower include not taking into account the borrower's ability to meet the loan terms, excessive and unfair loan and legal fees (this is not a new loan--it is just an extension), purposely structuring the loan with terms the borrower cannot afford (huge principal reduction requirement), establishing impossible, abusive terms and conditions that will trap borrower and lead to a foreclosure (huge payments and a very short term) which is not intended to recover a nonperforming property.

I am fully capable to continue my loan payments but a foreclosure is going to cripple this otherwise healthy, self sustaining property. Are more foreclosures a "Suntrust way" or "Suntrust vision" of how to improve our currently ailing economy? Because there appears to be a discrepancy between their actions and their motto listed on their website: "The Company's mission is to help people and institutions prosper by providing financial services that meet the needs, exceed the expectations, and enhance the lives of our clients, communities, colleagues, and ultimately our shareholders."

Suntrust's unwillingness to discuss its abusive loan terms and clear push towards foreclosure raises suspicions that it is an attempt to obtain this property at a discount. Examples of this include a low appraisal of $1,100,000 by the appraiser hired by Suntrust for a property which is well maintained, has 100% occupancy, has a gross rental income of $351,876 per year, and was thoroughly renovated in 2009 at the government tenant expense of over $500,000.

This property was scheduled to close only a few months earlier, on 10/2/09, at the price of $2,000,000, with only 75% occupancy, while real estate firms such as Marcus & Millichap want to list it on the market at $2,400,000. I'm going to lose everything I have left. Over thirty years of working, gone. How many Americans have to go through this before someone does something?

Suntrust Bank has now over the course of just 30 days stolen over 828.00 of my monies from overdraft fees. They (Suntrust) have charged my family an atrocious amount of money for 1-3 hours. Yes hours of shortage in my account. Some of these transactions were processed at the same time! Suntrust also puts in largest amount charged in so they can receive their overdraft fees for the numerous small charges increasing the amount of monies the consumer (me and my family) have to pay.

I had an overdraft protection loan which they cancelled even though I was never late or overdue on a payment to the loan. I'm sorry I'm not a Rockefeller. Now being that I am a retired police officer on disability from an injury sustained on duty, receiving only a pittance of retirement each month. I am not able to find employment due to the state of the economy partly due to our banking systems (Suntrust). I am struggling to play catch up for this 828.00 in fees.

Last year, Suntrust received 2400.00 in overdraft fees from me. I have pleaded with them to stop cashing and clearing automatic payments to my creditors if the funds were not available but no, they (Suntrust) wants their 35.00 payments on a 3.30 ATM charge for a little gas to pick my daughter up from school. Can I also point out that 828.00 is half. Half of my monthly income and I have a daughter to provide for.

Am I alone to be responsible for getting Suntrust out of its debt to the government? Are you? Why should the consumer be charged these ridiculous fees to bail out these banking systems. Why is it always the little people that suffer? I say put these out of business. They will get the idea if everyone leaves. I now have 30 people who are going to switch just my friends and family alone, see, there is something to be said about loyalty. The charges I incurred on 3/22/10 $360.00 and 4/8/10 $ 288.00 were processed within minutes of the funds being available. Some of the 35.00 fees I am being charged for are still pending!

They have taken 829.00 i am unable to buy food and pay my bills. I went in on the 21 of March and male assistant said my account was fine. Next day I deposited 1500.00 at 9:00 but at 12am they had charged me over 300? Now I have bills that will not get paid. Groceries that will not get bought and more overdraft fees to come because of the overdraft fees. All so some corporate executive can take a million dollar vacation and bonus on my dime.

I have tried talking to Suntrust. I have tried reasoning, negotiating. They are unwilling to assist me in anyway. The largest dollar amount goes in first and it doesn't matter that a charge and deposit went in at the same time. I'm screwed. This is illegal. What is the interest for less than 1 hour on a $2 charge? To the honest and respectable Senators and Politician please assist us. Your people, your consumers. To the consumers, please leave Suntrust. I am. Thieves.

My husband was laid off from his job, which made it impossible to keep up the payments on an equity line of credit and an installment loan with SunTrust Bank. SunTrust gave us 2 months of no payment as a forbearance assistance. After the 2 months, my husband still did not have employment, nor received unemployment benefits, but SunTrust wanted payments as usual. They harassed and harangued us continually every day with 2 to 3 phone calls informing us that this was an attempt to collect on a debt despite our unemployment status.

We sold our house, live in a rental that required payment upfront because of the unemployment status. Despite our quick sale of 2 weeks and 30 days to settlement, SunTrust continued its practice of calling 3 times a day, took out money from my account to pay themselves on the actual closing date, refused to return the funds, and I have systematically closed all accounts with this heinous bank. I can trust the sun will burn me just like SunTrust has scorched me out of my home.

After attempting to come to an amicable resolution with my bank and being completely turned away, chastised and even ridiculed at times, I was left with no choice but to write this complaint.

On December 19, 2009, I looked at my account online. I had twelve (12) pending items, which once they cleared. I would leave me with a balance of roughly $34.00. I had written a check for my electric bill and was going to deposit the 200 plus dollars in my account on Monday. On Monday, December 21, I rechecked my balance to discover I had a negative account balance of over $500.00. I am going off of memory so it may have been more. I was astonished because just on Saturday, I had $34.00 now I was negative half of $1,000.00! I looked and saw that most of the items pending had received NSF charges. I also saw that my electric bill check, which was not pending Saturday, was pushed ahead of the smaller ones, thus creating a mountain slide of $36.00 NSF fees, right at Christmas. I pleaded and cried with several agents asking why weren't' the smaller fees paid first.

I was told that they pay the larger fee as a service to the customer. Really?! I had overdraft protection so if all the small items had been paid first, then the electric bill could have been paid and only one (1) NSF fee would have been assessed. So what Suntrust was really telling me was that it was in my best interest to charge me over 10 NSF fees and pay the bigger one (1) fee as opposed to paying all the little fees (which I had enough to cover in my account) and charge the NSF fee for the one big item. I asked them, how at Christmas time is this the right thing for me, "the customer" they were referencing to?

So, I was upset but I still tried to call the branch and I spoke to someone named Carmen (I think). First, I knew I had given my mom's name as a person who can have access to my account in case I could not (health, death, etc). I made sure to check and make sure my mom's account (20 plus years) would not be affected because I am her back-up on her account as well. She assured me that she did not see anything stating the other account would be affected. Reasons being my mom was not with me when I started my account, she never signed papers accepting any responsibility of my account and she was never issued a card or made any transactions on my account.

I attempted to make payments on the account but I had just returned to work from maternity leave and my bills were way behind. This could not have happened at a worst moment. I also felt that Suntrust had done me, a person who is one paycheck from losing everything, so wrong. I had made payment arrangements that I could not keep from being financially strapped.

So last week, I received a letter stating I had 15 days to contact them or they were sending me to collections. Well, I have been trying to figure out what to do, when my mom tells me that they have taken $500.00 out of her account to put in mine. I owe more than $600.00 after some more items like automatic drafts hit the account so taking her $500.00 still did not clear up my account. And of course, after they took her money, they hit her with NSF fees and returned items. She has her mortgage coming through as well as other items, so they have two (2) counts that are completely messed up and all they can tell her is that her name was on the account!

I never got the full fifteen (15) days to respond and on that letter, it stated that the account would go to collections. It said nothing about the possibility of going into another account and taking funds. I know that NSF fees are the stimulating factor for profit in banks but I feel that as loyal as we have been to Suntrust, they could have been loyal to us and actually listen to us to find out what would be best for us and not tell me the standard scripted response that they do it for the customer, when they have clearly caused me a load of headaches. My account is still in the negative so taking my mom's money served no purpose or benefit to us, the customers. The only people who gained anything from this are Suntrust. They figured out a way to get more money out of an already dire situation. Now, I truly understand when people say big business sucks for the little people.

I want Suntrust to replace my mom's money to her account and remove all the NSF fees they unjustly charged to mine and her accounts. I feel that the smaller items on my account should have been paid first and hit me with the fees for whatever was left unpaid. I was not aware of anything that said Suntrust would take the larger items first. I was not told that when I opened my account or did I receive anything in writing stating that. I was told by one employee that it was standard practice. I think there is a real problem when the standard practice allows you to screw over your most loyal and dedicated customers. My mom was with them when it was Trust Company Bank. I want them to do right by her and fix her account, and then I want them to make amends with me.

I lost my job in 2008 and I called the Loss Mitigation Department at Suntrust Bank in June 2009. My loan was current, but I called to ask questions about the modification. I was told by the agent that since my loan was current, there's no help for me, but I could allow my payments to get behind three to four months, it will affect my credit score, but, they would be able to help me. I was sent the application and I had to send in documents. After making repeated phone calls, I was told that my loan was being negotiated.

January 22, 2010, I was blessed with a job.

I called the Loss Mitigation Department and told them that I'm now working again and I want to apply for the loan modification, the representative advised me that I need to fax them a copy of the acceptance letter from my new employer and fax them my 2007 and 2008 tax returns, a hardship letter, and my current bank statements. I did everything they asked and I called weekly to check my status. My employer even faxed my check stubs. After speaking with numerous of agents, I was always told that we are working on your loan and to keep calling back. Well March 26th, 2010, I found out that my property had been sold and I am being evicted. I have no place to go for me and my two kids, I need some legal advice.

We had a home mortgage with Suntrust. We fell behind on our payments due to job loss. We contacted Suntrust a number of times to try and get the loan caught up or modified. We spoke with a number of different customer service people and never did get a direct answer. At first, Suntrust was going to modify the loan. We filled out the paperwork in July of 2009.

As of Feb 2010, we have received no paperwork or phone calls from Suntrust. Every time we called Suntrust which was once a week, we were told it was being looked at but the lost litigation department never let us know one way or the other. Then in Nov 2009, we received foreclosure papers from a lawyer. We called Suntrust and were told not to worry about it. The property was supposed to be sold in Dec 2009. We don't know if it was or not. We have never received paperwork or a phone call.

We do not know what is going on. We get a different story every time we call! Suntrust should not be allowed to stay in business unless of course it is in the business to destroy people's lives. The stress has been overwhelming. We are trying to find a different place to live. This has ruined our credit and now we are unable to purchase a different home.

We made a short sale offer on a condo in Phoenix that SunTrust had a mortgage on in September 2009. They have had the completed short sale packet since the beginning of October. They lied to the listing agent when he would call to get updates for us. It is now more than four months later, and we learned today no negotiator has yet been assigned to the file. Help! Can a bank do this?

My husband had a business for one month. When we started to establish the business, we contacted SunTrust Bank to offer us a good deal to get a credit machine to use in our business. SunTrust Bank offered us and sent to us the agent; his name is Duan. He came over our house and offered us a contract to lease a credit machine. My husband told him he needs a lease for month by month, because he don't know if the business is gonna succeed or not.

The agent Duan said, "Don't worry. This contract lease will be for 1 month," and he wrote down by his handwriting "No contract and no cancel fee." And then, my husband felt comfy to sign this contract as long as there's no cancellation fee. That happened on July 2009, and we closed the business in the first of September 2009 due to the bad economy.

We paid for 3 months, and we had enough losing money and time, so we thought to call Duan to stop sending us piles. But he told us no and that we cannot cancel or get out of that contract and we must pay $63.00 for 48 months. He did not tell us about the total of months at all, and he used that my husband does not speak or read English good.

So we need help. Please advice us. Especially we care so much about my husband credit score (excellent) and we worry if it will be affected by this matter. If you need, I can send you by fax or email a copy of the contract to take a look and see his handwriting saying "No contract and no cancel fee," and he put his initial and my husband's initial too. Please protect us from these people.

On 1/2/2010, I placed a mail order for prescription drugs with Caremark. I input my Health Flex Benefit card number and the expiration date. Everything went on as though it went through okay but on 1/5 I found it had somehow defaulted to my debit card for SunTrust and I was being given $72 NSF fees. The amount was listed under pending items, so I immediately called SunTrust's 800# to tell them of the error. They told me to have Caremark take the charge back and all of the fees would fall off. I called Caremark and they would not admit it was their mistake because I used the telephone prompts, but as a one time courtesy, they would reimburse the amount back on my debit card. On or about 1:30pm on 1/5/2010, they reimbursed the fee.

Over the course of the next two days, I was given two more $36 NSF fees and one of those was backed out.

On Friday afternoon, I received a call from the SunTrust representative telling me it was all resolved and she was waiting on a faxed letter from Caremark. The real catch is that the money was in pending status until 1/8, the same day the reimbursement was applied. So why was I given NSF fees for an amount that was never applied until the day they show it was reimbursed?

The suntrust bank is making money off of consumers by showing things online as cleared your account through online banking but then next thing you know it is pending and you are negative and they are charging you NSF fees and also if are negative an amount they allow you to continue to use your check card instead of declining it if funds are not present and you may just be off $1.00 and you end up being charged 36.00 NSF fee for that when you could have made a deposit had you known you were negative. I was charged $216.00 worth of fees due to them holding an item and showing that it cleared and it caused 6 items to be insufficient which I can not see how.

If this goes into foreclosure because they dont respond in a timely manner I think we have grounds for law suit. It is clear we have tried and tried again and it is not out fault they take their sweet time and expect buyers to wait. Now value has dropped even more. Why should we have to pay taxes on this difference? We need help here, some of us are really trying and getting nowhere. We lost all our savings and now our credit is in jeapody and we will be responsible for hugh taxes all because of the bank taking too long to respond.

Since Nov 4 I have deposited a toatal of $4625 to my checking account and Suntrust has failed to credit any deposit. In the course of 23 days, Suntrust has seemingly lost everything. The first deposit on Nov 4 being $2300, the second on Nov 20 being $2325. I have made the first deposit via night depository, the second deposit at the ATM branch in two separate brances and both deposits have failed to have been credited. Bounced several checks, assessed several 'fees' and messed up my mortgage payment

I signed a $3000.00 note with a Hispanic gentleman to help him establish credit in America. He owed $325.00 on the note and was late with one payment because he did not receive the bill. They could not contact him because he changed phone companies. I have been doing business with this bank under three names over 45 years. They did not contact me until it was after the fact and it went into the credit reporting agencies. I have never had a blemish on my credit reports and I'm 60 yrs. old. I talked with several people in the bank and they act like they could care less. They contacted me after the fact about the late payment and I went to the bank and took care of the problem within one hr. They never gave me a chance to resolve the problem until it affected my credit rating, dropped them an average of 80 points each. This make me so made I can't see straight. I've reported them to every agency available. The credit reporting agencies say they are only a library that holds information and unless the bank changes the status there is nothing they can do. I've explained until I am blue in the face that had they contacted me before it affected my credit it would have never happened, they seemed to care less.

This Bank charged me 72 dollars for a 21 cents overdraft. They also charged me another 72 dollar fee for a overdraft that was eventually credited back to my account. I have contacted Suntrust and they are unwilling to give me back any of my money. Suntrust even though I was not at fault still charged me 144 dollars for two overdrafts that were credited back to my account.

I have financed two homes through Suntrust Mortgage. I have been in my home for 2 years. I went back to college to complete my degree. While attending college I had a fall and broke my foot which resulted in surgery. I was out of work for 3 months. During this time my husband and I were informed by Suntrust Bank that the house we had built was located in a flood zone and we needed to place flood insurance on the property.

The quote for the insurance from our homeowner's was between $4000-$6000 per year.We could not afford to get the insurance at that time so Suntrust did a forced policy. This caused our mortgage to increase by over $400.00 a month. This created a financial hardship for my husband and I.When I inquired about some type of assitance I was put through to the Loss Mitigation Dept. I was told that the mortgage had to be 90 days behind to get any type of assistance.I requested the paperwork for the Loan Modification Program. Once I received the paperwork I completed it and sent it directly in. Two months later I was offered the Loan modification program. I has sent in my first two trial payments when I received a second packet for the same infomation. When I contacted the bank I was told " The program is new to us when had to make some corrections and we are starting you over. Meanwhile my husband and I had contacted a surveyor who submitted paperwork to FEMA on our behalf to request a LOMA. FEMA overturned the Suntrust decision and issued a LOMA declaring we did not need the flood insurance. Suntrust issued the refund into our escrow account. However during the second trial period of the Loan Modification program I completed all three of the trial payments and signed off on my final loan modification program. A few days later I was contacted by Suntrust and notified that I had been terminated from the program because my third payment had been returned for NSF.

When I realized this had happened I immediately made payment to Suntrust. I later found out that Suntrust held on the my checks for 5 weeks before submitting it and they submitted both my 2nd and 3rd trial period payments within two weeks of each other a total of $3000.00 . When I contacted the bank I was told by Barbara Coles in Loss Mitigaton there was nothing they could do for me, she suggested we sell our home. They returned my payment, the entire process took SEVEN MONTHS. We now owe $14,600 in past mortgage payments and we are facing a possible foreclosure or bankruptcy. How is that for helping you out. I wasn't this far behind when I went into the modification program.You are only required to make a total of 3 trial period payments. I made a total of 4 between the two packets. They should have let us complete the first one. There are other neighbors I am sure that are being charged for the flood insurance. I intend to let them know about Suntrust.

This is a summary of how I have gotten where I am today with SunTrust.My husband got laid off from work at the end of last year and I immediately contacted SunTrust looking for some type of assistance in making our mortgage payments. I was told by their Loss Mitigation Dept. that we have to be 90 days behind to receive assistance on our mortgage. We were no where near that, and I never hoped to be either! So, I picked up a part-time job along with my full time job and the bills got paid. My husband, in the meantime, started school full-time in January of 2009. It was determined best for us that he receive a degree, and also, the company that laid him off was paying his way through two years of school as part of the layoff agreement. So, he went to school and picked up unemployment and I worked two jobs..not the best life, but we did what had to be done.

I called again in February, seeking assistance when I lost my part-time job, only to here the same story as above. I was only 30 days behind and I decided I was going to do whatever I could to keep my mortgage current. Then, in March of 2009, Obama passed his bailout plan and SunTrust received $3.5 billion of it. I called them immediately seeking help through their loan modification program. I started this process in March. I filled the paperwork out and mailed my documentation back promptly. In late April, early May, I was told my documents were never received and to fax them again, this time to a different person.

So, I did it again. I followed up with SunTrust on a bi-weekly basis to see if they had processed my loan modification yet. The answer was always, "We haven't gotten to it yet" or "It hasn't been picked up by anyone yet." In the mean time, my husband had to go through his unemployment review in June, so he did not receive a check for 5-6 weeks! I called SunTrust at that time in a desperate plea for help. We had no money, our utilities were going to be cutoff, there was no food, the kids were about to start school and I had no money for supplies, let alone no money to pay the mortgage. SunTrust had absolutely NO sympathy for me or any help to offer. I continued to here the same story from them, "We can help you if you are 90 days behind".

When I asked about the modification again they were still getting to it. I faced the toughest decision of my life that day. I had to choose between paying my mortgage and taking care of family and other bills. I chose the latter part. In September, SEVEN MONTHS LATER, I received my loan modification package in the mail. Hoping for a miracle, I opened it to find a major disappointment. Our mortgage was only modified by $11.00! Now, you tell me how a family like mine that used to bring in $14,400 more than we used to only qualifies for an $11.00 decrease in mortgage?!

I called SunTrust to find out where these figures came from and I was told that they base the modification on income alone, not debt vs. income. Nice of them to tell me now. I was told to send in the paperwork unsigned and ask for another workout option. They told me there are other options available out there, but they had to offer this one to me first. So, I did as I was told. I did also ask how long this process would take because I can't wait seven months like the other and she said that it shouldn't take but a few weeks since they already have my current documentation.

On September 29, 2009, we received a certified letter of default from SunTrust dated back to September 1, 2009. I called them immediately and asked what it was about. They told me that because I was 90 days behind on our mortgage, we had fallen into default and they were going to seek legal action. I first asked why I didn't receive the letter until the end of September, of course they had no legitimate response. Then I proceeded to ask what type of help I could receive now that I was 90 days behind. Their response was,"None,we can't help you now that your 90 days behind on your mortgage." That was definitely not the same response I heard nearly one year ago when all this started.

When I asked them about their initial statement of helping me if I was 90 days behind they stated that "things are different now." How convenient for them! So, after several hours on the phone and three confusing customer service representatives later, I never heard a straight answer. This is what I ended up with..I was told to make a partial payment to them at a local branch that way it would post immediately. SunTrust may or may not take the payment. They normally do not accept "partial" payments once you owe three months worth, but this particular representative seemed to think that I may be lucky if I made the payment and if it did get accepted it would stop legal proceedings with the foreclosure of my home. I was also told that they could not foreclose on my home as long as I was active in the loan modification process. Should I believe them? I was able to borrow enough money to come up with one months mortgage and I went down on October 1 and paid it to SunTrust, as advised by phone. As of today, they still have not reviewed my loan modification and we are still in default. This has not been easy, not at all. But, if I can save my home..it will be worth it in the end.

As an employee of SunTrust for over 5 years, I will tell you that the "refi" mania of spring 2009 took lenders/banks by storm - we were understaffed, combined with management issues- were unable to move loan applications through the systme effeciently.

Management was unresponsive to the issues and complaints those of us on the front line encountered each and every day - between clients needing information on how to keep their homes, the overwhelming volume of applications, and NO support from management - many of us were near breaking point. I have since left SunTrust; after having been misled about repairing broken procedures by management - my apologies to everyone of my dissappointed and hurt clients.

On September 10th, a deposit in the amount of $700.00 was made to my account via direct deposit.

I used my debit card to pay for a transaction and it decreased the balance in my account to a negative balance of $0.80 before the direect deposit posted.

The bank refuses to credit the fee. I feel the government should put a restriction on the "UAF" or Unavailable Funds Fees. The funds for this deposit were wired to the account, but the bank is saying they aren't available until the following business day.

My husband and I have been having financial problems and we were one month behind on our car payment. My husband made a deposit on 9/15 to cover a check that was written for our children's private school. On 9/16 Suntrust, without authorization, took the car payment out of our account and charged me a NSF. That same day, the check for the school hit the account. Suntrust did pay this, but charged me a NSF notice as well.

Now, I am -570 in my checking account and don't know what to do. When I called Suntrust they said they had the right to do this and refused to put the money back into my account. I asked them to fax me something in writing that shows they have a right to take money from my account without permission. They couldn't do that.

original contract is 72 month, they issued me a 60 month coupon book. I did pay off the 60 month in August 2009. Recently I received an new coupon book starting on August 2009 and end on August 2010. That the total of 73 month not 72 month on original contract. This bank want to charge extra month of payment, and damage my credit.

My car was repo in 1998 and August 31, 2009 I received a notice to writ of Garnishment Against Salary or Wages from Adorno & Yoss LLP their attorney resentative stating Suntrust Bank will garnish my wages, property and money of $7335.42 plus interest and other attorney fees. I was behind on payments for almost 3 months and on the 3rd month they came and repo the car. They didn't give me a chance to try make payments or anything.

Now over 10 years they would want to garnish all I have when they took the car and got the payment out of the car. This is not right. I sent me a letter to an old address which was never forwarded to me back in 1999 of this action being taken they never certified the mail or anything but sent US mail and now tried the same thing when they sent me this garnish mail (this too was sent US mail just so I would not get it). Suntrust tactic of using this method of getting back at customers is not right. I agree with the other customers who wrote they are suppose to be for you but they are not. I would not ever recommend someone to use that back ever.

On Friday, August 28, 2009, I made a call to the customer service telephone number to check on my current checking account balance. I discovered American Online double-billed for this month. I talked with AOL and I was informed there are two accounts associated with my debit card when I only opened up one AOL account on January 25, 2009 when I had a checking account at another financial institution. During the month of July 2009, I decided to upgrade my Windows software to Windows Vista. Upon doing this, I also had to upgrade the AOL software that is compatible with this version of Windows. When all of this occurred, AOL must have done one of two things, if not both. Firstly, this company did not remove my formal checking account (debit card) information from its data base when I informed it about my SunTrust checking accounting (debit card) information. Secondly, it purposely classified the upgrade as being a separate (second) account. Whatever the situation is, it caused a removal of $23.98 from my checking account when it only should have been removed $11.99. It does not stop here. The true story continues.

On this same day, I made a quick deposit to cover to negative balance. I went to the main branch location (Court Street) in Florence, Alabama to discuss this matter with a lady with the first name Donna. I explained this situation to her the best I could and I had creditable evidence to vouch my verbal statement. She acted like she did not care at all including viewing my proof. I even brought up the factor about possible identity theft, but she did not acknowledge that statement. Her solutions could not even come close to resolve this situation. Firstly, she suggested I could pay a $36.00 stop payment fee after I made the request to stop accepting all charges from AOL. Secondly, she told me to call AOL about this matter after AOL told me to contact my financial institution about this matter. Thirdly, she suggested giving this situation one additional month to discover if a double AOL withdrawal occurs. If it does occur, I can dispute one of the charges which mean I will still be out $23.98 and/or $35.97. Either way I turn I am stuck in the middle of no way out. This is ludicrous.

I am on Social Supplement Income (SSI). My check is $674.00 per month (not weekly; not biweekly). It takes every penny I draw to make it from month to month. There are times I am forced to borrow money from elderly parents to make it that month. I cannot afford to play the waiting game with this bank and/or AOL since the money I will possibly lose during this wait period would force me not to have the money for the medications I desperately need to live since I am in poor physical help to the point I am living with daily chronic pain. I do not need this type of stress in my life since I have been warned my physicians to avoid stress, if at all possible so my chronic pain will stay at tolerable state subsequently I will not be forced to take additional pain medication(s) to get it back at that state.

In addition, I am a victim of identity theft. I had my banking information stolen from me in 2006 when I was using another bank at that time. I will not be victimized like that again since I have brought up this ordeal on a local branch level and informing the president of this financial institution about it as well. I want all of this to stop before I am victimized again without wasting money I cannot afford to waste trying to get this situation resolved. I hope you will give me the non-monetary assistance I am seeking about this matter.

I was unable to make my July car payment with Suntrust on 7/1/2009 due to my fiance's layoff. When I got paid on Friday, 7/31/2009 I transferred the payment from my Suntrust checking to the loan for much more than the payment to be sure I covered any late fees. On Monday, 8/3/2009, when I checked my checking balance, it was very low. I noticed Suntrust had taken some money from my account on 7/31/09 to pay for August's payment for my auto loan. I had not authorized this.

When I called Suntrust I was told they took the money because I was behind. When I explained I made July's payment on the 31st they said they had no idea I made the payment so they took what was due. I told them that could not be true because what they took was less than a normal payment and they took it early so they must have known it was for August. I asked how they could just take a payment without my authorization, the girl said the it was written in a brochure that would have been given me when I opened up my checking account.

I've had my account since they were Crestar and have never heard of such a thing. I asked to have the money mistakenly taken for August's payment returned because I could be in danger of overdraft charges. Her supervisor refused. I have filed a complaint with the National Reserves. They never informed me they could just take my money, they took money for a payment that wasn't even due yet and as a result have put me in a situation where they can now collect overdraft charges on my account.

I was checking my account on-line and I noticed that the bank is charging me overdraft fees for items that are listed as paid with a positive balance. I called the banks hotline and I spoke with a young man name Neil and he told me that he has something completely different from what I am seeing. I asked him how is a customer suppose to keep their bank books right if you aren't giving the right information that you have. I am looking at positive balances after each transaction that he said and then they charged me to make it go into a negative balance. This is the second time that this happened in about 2 months.

Sun Trust has extremely harsh and near harrassing practices when communicating with consumers on loan payments due. We have had countless calls from them for an auto loan which payment is not even late but approaching it's payment due date. Their phone operators are rude and relentless, calling on weekends, evenings. For example, in a 48 hour period, they called 8 times! Even after the payment was made, they continued to call. We want this practice to stop. They do not seem to care about the customer. As a result, I intend to close out my business with Sun Trust and advise all of my friends, co-workers etc about their harrassing proactices.

They decided to repo the truck on a saturday morning to which my surprise I can't do anything about it. No offices are open, they won't tell me where it is so I can get my belongings out of it either.
I feel, violated because I opened a line to them to get it paid off in full and to my surprise they did everything possible to work against me.
I do not feel this is right and I do not what to pay for a repo representitive's fee's, towing or storeage, let alone the 7 years of a repo that will be on my credit report.
I tried to work with Suntrust bank to no avail, now they just made matters worse and on purpose.

I thought Banks were to work with consumers and have "good faith" and not work against them.

I am writing to voice my displeasure with SunTrust Mortgage. Our frustration is not about their decision to decline us; its about their business ethics, lack of response, attention to detail, and failure to protect our sensitive financial information.

February 6, 2009
We initially contacted SunTrust Mortgage. Spoke with Eric, Janie and Nancy.
* I was diagnosed with Leukemia in November, 2008 and will return to work August 1, 2009
* We provided Nancy with our current income and bills over the telephone.
* We were told that SunTrust Mortgage has short term and long term mitigation.
* We were told someone would contact us in about 30 days.

February 18, 2009
We received a letter from SunTrustyou will receive a phone call.
* The letter outlined all of the information we needed to submit back to SunTrust Mortgage.
* We faxed all of the paperwork requested from Kinkos at a cost of $55.00
* The telephone call never came.

March 12, 2009
We initiated a telephone call and spoke with Nancy and Philip.
* We were informed that Jessica T was assigned to our mitigation request
* We were informed that we can expect a call from Jessica on or around 3/24/09.
* The telephone call never came.

March 27, 2009
We initiated a call to Customer Service
* We asked Customer Service to send Jessica Toman an e-mail to ask her to call us on March 30, 2009
* We also left a voicemail for Jessica Toman to call us on March 30, 2009 at 1:00P.M.
* The call or e-mail never came to us.

April 6, 2009
We initiated a call to Brice P in Customer Service Department
* She advised us that SunTrust Mortgage Company didnt have our request on file on longer
* Our request had been deleted.
* Brice couldnt find the fax we submitted on February 18, 2009 either.
* We had to start the whole process all over again.

more April 6, 2009
I asked Brice to transfer me to a Supervisor. She transferred me to Keishas Voice Mail.
* Keishas voicemail said she would be away from the office until April 13, 2009.
* We left a message but did not get a call back.

more April 6, 2009
We initiated another call to Customer Service Department
* We spoke with Debra who compassionately waited on the line until we were connected with a Supervisor.
* We spoke live with Supervisor Michele H.
* Michele H asked me to send the requested information again but this time, directly to her.
* We faxed 99 pages, (that same day).
* The fax took 31 minutes and 7 seconds
* Confirmation of fax successfully sent was at 5:37pm

May 11, 2009 (approx)
We called Michele H at SunTrust Mortgage
* Michele H could not find our 99 page fax.
* Sometimes our documents get stuck in the mailroom for long periods of time

May 12, 2009
We re-submitted our information for a third time
* We sent it by e-mail with 102 document pages

May 15, 2009
We sent an e-mail to Michele H asking her if she had received our e-mail.
* The e-mail also stated that we were very disappointed with her and SunTrust Mortgage.

May 18, 2009
We received an e-mail from Michele H, SunTrust Mortgage

The e-mail reads: I have not received the financial package Thanks Michele

* We sent an e-mail to michele.harris@suntrust.com with 102 document pages.

May 19, 2009
We submitted the information as requested by Michele H
* We sent it by e-mail.

May 28, 2009
We sent an inquiring e-mail.
* We asked her, if our request was in process.
* We did not hear back from Michele.

May 29, 2009
We received a form letter from SunTrust Mortgage
* The letter was dated May 19, 2009
* The letter said they Thoroughly reviewed our financial information
* The letter said they were unable to assist us at this time
* The letter was unsigned

Here is the bottom line for us.
1). I have Leukemia and was requesting some assistance.
2). Your plan is only for homeowners who hadnt missed any payments
3). We did everything SunTrust asked us to do and we did it 4 different times.

4). The tax returns and other financial information we sent was lost 3 times. (Identity theft).

Our issue is not about their decision but the lack of business ethics from both Management and Customer Service. SunTrust Mortgage also showed us a lack of response, and has a high disregard for sensitive documents.

I have a list of every call and every time they call. They call on Sunday and on holidays. I just want them to stop calling. Most of the calls come from the telephone number listed above but they also use 800-and then I get calls from 804-. This is harrassment and I want it to stop.

Back in May of 2008 I was injured on the job. I was on an approved Short Term Disability when my supervisor demanded to return to work regardless of illness. Upon failing to do so I was wrongfully terminated. With the help of my doctors, we filed the claim to the state and were awarded disability, at the cost of my employer.

In December of 2008, we had exhausted every avenue of money. We fell behind on our mortgage account with SunTrust Mortgage. We love our home. We want to raise our family here. I requested several times to help us modify our loan. I was told by company We do not make enough money to stay in our home. Even though my husband's income is over 100,000 per year.

I requested a loan modification in hopes of SunTrust Mortgage understanding our unique situation. I am still disabled, we have an infant and we are still under a financial hardship. I have called company everyday since being told we do qualify for a loan modification. I have spoken with Eric, Ms. Johnson, Shawna, and everyone else in that department multiple times to find out the status of the loan modification.

We finally heard back last week in respect to the loan modification. To my surprise, our payments did NOT go down. In fact they have INCREASED! I was expecting a drop in loan payments, considering the drop in interest rates. Robin (Loan Modification Specialist) told us "Well You guys can afford it! Robin informed me our interest rate will be 7%. I asked why our interest rate can not be reduce she said "It's clear you can afford the higher payment." Is this not a repayment plan? I pleaded with Robin to reduce the interest rate to 5%. The difference in payment is over 1,000/month. I expressed our current income and situation, this still leaves us living paycheck to paycheck.

The whole point in our request for a loan modification with Suntrust Mortgage was to work together in a payment plan allowing us to stay in our home. Instead it has resulted with an increase to our monthly finances at a time when our payments truly need to be reduced. Given the current rates is approximately 4 - 5% a loan modification process resulting in a 7% interest rate really seems to be taking advantage of our situation.

A few minutes later we received a call from our loan processor indicating that the paperwork was still in underwriting and they could not close the same day as planned. We asked if everything was alright and he assured us it was completely fine they just didn't have the closing documents together but they would reschedule for the next business day which would be the following Monday.

To make a long story short, it is now a week later and the loan processor won't return any of our phone calls and when we've tried to call the bank they refer us to him and his mailbox is now full. Let me add that during this time we have not made any purchases or done anything to effect our credit.

The builder has also tried numerous times to contact the loan processor to no avail. This company accepted our $400 processing fee, assured us everything is/was good to go, and assured us we'd be in the house by the end of this last month. This ordeal has wreaked havoc on our lives. We are completely stressed, the builder has our down payment which is 100% non-refundable

SunTrust sent a form letter canceling our Business LOC and informing us that they reserved the right to demand payment of the unpaid balance, fees, interest, etc. at any time in the future they wished. this LOC has been paid off for over a year = zero balance. Also over a year ago, we closed all our accounts (boy, bet that really hurt!) and informed all 40+ of our subcontractors they should open a BOA account in order for us to easily transfer their pay - BOA is national; SunTrust is, what - state...regional...small?

We currently have an Interest Only adjustable 1st and 2nd with Suntrust. We are trying to refinance. We paid $350 for an apprasial that at first they wanted a fee to get a copy of. This was sent to us in a letter. Any way the apprasial came in low, to low to refinance. After going over the apprasial, I found several mistakes.

When I called out Mr. MacLeod for after two hours for not returning my call when he said he would get back to me in five minutes, He said I was lucky he answered the phone because he was leaving for the day. As far as the apprasial Who do we think we are to question a professional appraiser. Mr MacLeod said. Well for the past month, I have been complaining and trying to have the appraisal ammended...which has not been done.

I spoke with Mr. Pack a VP with Suntrust who as of two weeks ago said he would have another apprasier look at the appraisal. Have not heard from him. I could go on and on..I just stood up for myself when an obvious mistake was made. I am going to file a complaint with the North Carolina Appraisal Board. We as of now are stuck with this loan that sets you up to fail. I truly believe 90% of Banks are all the same. Be very very careful

We are out $350 for an incorrect appraisal. We still have this Interest Only Loan. Is that legal?

My wife and I are buying a house thru Zip Realty and using Suntrust for the mortgage. Zip Realty offers a rebate to the buyer if you use there realtors to get business. During our closing process SunTrust Bank has informed us that we were not going to receive this rebate because it wasn't right that Zip Realty lures people to use them with these rebates. So we won't be getting this rebate that the Bank has nothing to do with, just because they feel it's not right. I don't beleive the bank should be able to control things that are not part of the loan process.

We are losing our rebate to th tune of $1,800.00

We have been banking with Suntrust Bank for over 23 years. Business and personal. We were notified on a Friday afternoon that Suntrust is calling our line of credit due. We had never missed a payment or even been late. When asked how much time we had to pay they said today...they had already put a hold on our account, canceled our credit cards and returned checks prior to notifing us. When we told them they would put us out of trust with the companies we work with, and eventially destroy our company, they were not interested. We told Suntrust we had already submitted payment via EFT to companiess we owed money to. And if we didn't pay them what we owed them they would close our business.

Suntrust said they would work with us.. we were told we could deposit a second time the money owed and Suntrust would not touch it. They would only keep on hold the original amount. Well they lied!!! Suntrust refused payment again and kept the second deposit that was made. Within days they cleared every account we had with them, including accounts held in joint names. With banks not lending money at this time we are forced to close our doors.

Our loyal employees are out of jobs and as it stands.. three families that we know of may be loosing their homes. I would like for everyone to know what kind of loyalty Suntrust has for a company who has been with them for 23+ years and has sent over 5 million dollars in contracts to them over the years. We will close our family business of 23 years as a direct result of Suntrust Bank.

I took an IRA rollover to this branch in 2007. The check I handed them said IRA rollover and I asked for an IRA rollover cd. The CD matrued on March 4, 2009. When I tried to close the IRA, I found it had never been set up as an IRA. When I complained that I would be responsible for an IRS penatly,I was then promised that they could 'fix'or correct it in 24 hours. Two days later I called and again was assured that they could fix it. Today I was called by Dave who said that the CD had been moved to an IRA and did I want to roll it over. When I arrived, they said there was nothing they could do since they're research revealed that I had signed forms for a CD, which they knew on March 4. However, their forms say CD and IRA and I thought I was signing for an IRA.

I will have to pay penalties for their mistake.

Last Friday, February 20, 2009, I attempted to cash my paycheck which is drawn off of SunTrust Bank at SunTrust Bank. I was informed that as of February 1, 2009 they would be charging a $5.00 fee to any non-customers who wish to cash a paycheck. I feel this is forcing people to bank with them (which I would not do now if you paid me a million dollars).

I could go down the street to a liquor store, buy a pack of cigarettes (for less then $5.00) and cash the stupid check. I feel this is stealing. It was my understanding that as a customer you have an agreement with the bank that they will release the amount of funds listed on the check to the person it is made out to with proper identification. Apparently, they do not believe this; they believe that they should take $5.00 of your money. My employer wrote that paycheck with the understanding that the bank would release the funds from their account in the correct amount. How can they take this $5.00?

i just can't believe this SUNTRUST BANK!! I need some help and advice here on this topic. I owe suntrust bank just a little over $4000.00 and i wrote to their collection dept that i would like to settle this debt with a one time payment of $2000.00 and guess what they have declined my request to accept this offer. I can't believe this. They insist i should settle whatever i owe in full. this is unbeleivable!!! I think Suntrust bank is really up to something. Good people out there if you plan on opening an account with Suntrust this is a word of caution. Beware, because they will nickle and dime you and at the end of the day you won't get help from no where. i just don't know why Suntrust won't accept my offer???????

In December of 2008 I added Darren to my checking account at the South Carolina location, I opened my account in Maryland. Upon investigation of his name an Automobile loan was discovered, this account status indicated closed with a 0 balance. Darren surrendered a Mazda truck in 2002 jointly titled in his fathers name, whom passed away in November of 2008. Before adding Darren to my account I as well pulled credit reports from Experian and TransUnion both indicating Past due balance of 0 and account closed as of 2003. We (Darren and I) pulled his background from Maryland Judiciary which as well did not indicate any leins from any company.

On February 13, 2009 my federal income tax check and Darren's Federal tax check were directly deposited in separate social security number transactions, Suntruct bank intercepted both returns. This was without notification and without due cause, I continuously since December 2008 maintained a positive balance and no funds were withdrawn from the account. After inquiry to Godfrey B in the Recovey department of Suntrust he stated they could withdrawl funds from the account through a Right of Off-set, in turn I understood but questioned the moral of taking a check deposited with my social security number as I was and am not married to Darren nor was it mutal funds available to them (by the was I was not on the judgement either and this is illegal) I was directed to Patrica B whom indicated she would not return the funds entitled to me directly deposited from the IRS.

She as well indicated Darren was Primary on this Loan which upon investigaton he was Not. Darren asked for proof of the debt on tuesday, Feduary 17, 2009 he was given a telephone number to Attorney Office Walpoff & Abramson and a case number. Searching the case I found a Contract Judgement from 2004 for apprx. 8,000.00 the original price of the truck and no indication as to the service of either Party (defendant) to defend their case. I than spoke with Renee of the Attorney's Office regarding the file number and informed her Patricia B stated the office made a payment on the vehicle in the amount of 308.00 8/2004 when in fact the correction was made by Renee "we do not send funds to a bank, we try cases, that is a false statement by Suntrust.

We returned the file to them on 3/04/2005, this case is close and inactive with our office, and Steven is primary". I contacted District Court (whom is mailing the case to me), they indicate Suntrust did not place any liens or ask to withdrawl fund or hold any personal property when obtaing the "Contract Judgement" only good for 3 years now past statue of limitations. Suntrust recovered every cent in my account, leaving me without funds to pay my rent, electric bill, water bill, no way to provide for my 14 year old daughter (I had to cancell her Dr. appointment for Thursday, February 19, 2009 she is in need of a medication refill) and I had written checks to companies for bills. This money was withdrawn before it cleared my account At 7:00 am both funds showed a positive balance from the direct deposits at 9:00 am the place a 1900.00 hold on the account.

I am not aware Darren owes Suntrust a debt and I certainly do not the unethical practice they have displayed should not be allowed nor should they be allowed to hold/withdrawl monies deposited in my social security number. This Bank should be liable for the anguish they've caused me and Darren. I will continue to investigate the debt but Suntrust did not inform either of us of this action nor did they withdrawl funds prior to this date. The case was tried for the original amount of this vehicle which was sold at auction and suntrust did not deducte the amount of the selling price which is another unethical practice they have displayed.

I understand the Contract Judgement from Suntrust (they had to inform Darren and I of the case number it is not publicly displayed) but they have not tried to recover property, funds, nor have they attached wages of Steven or Darren since this case! They did not obtain the correct documents to obtain funds through a court hearing nor did they give us a form or reciept as to what they did and we were ont give the opportunity to a hearing, and my Federal Tax Return is not mutual monies!

I have been cashing my payroll check for near a year at this location, today I went and they wanted to charge me $5 to cash my paycheck or open an account. The check is written on an account that is in that bank. Our tax dollars went to help bail out banks including Suntrust, that apparently wasn't good enough now they want to charge for checks that are written against accounts in their bank. I have an account with another bank that I had before I went to work at this job. I now have to open an account with this bank because I cant afford to throw away money, in our economy today not many people can.

I cant cash my check at my bank because it is so far away I dont get there in time. I now drive a long distance to my job. Plainly this is an attemp to extort money from the working class again. I believe that this is bullying by this bank. If these actions are not against the law why not? We as taxpayers who work long and hard to take care of our families and keep the economy afloat should not be taken for every penny we have. How can a bank pressure you to open an account or charge you money to cash what is drawn against their bank.

I decided to open the account so that I could pay my bills this week, but when I was told to talk to a woman I did and she informed me she couldnt do it, I had to speak to another woman who was busy at the time with another person forced into opening an account. As I waited I decided to see what I could do instead of being taken by this bank. I left and no one even questioned why or if there was anything they could do to help. Very disappointed in our banking system the way they run it is for the money people not the working class.

We want to refinance our home. Phone calls to Suntrust receive a Your call cannot be completed at this time then HANG UP. Contact Us requests are not replied to or acknowledged. Our representative does not answer phone (voice mail only), emails, or return calls (which he promises to do within 24 hours). This has been going on for a couple of weeks. Is Suntrust still in business? BTW: No problems before. Good credit, Equity in home is over 2X loan request. No late payments

No damages just irritation

I have an auto loan through Suntrust Bank. I was behind in payments (60 days) two years ago due to financial hardship. The loan went into the Recovery Dept. for reposession. I was allowed to keep my vehicle by catching up my payments, plus 1 additional month and penalties. I have made my payments in timely matter since that time.

My payments are due on the 17th of each month. I went out of town on Dec. 20th due to family illness resulting in extended stay due to death and funeral. I did not make my payment prior to leaving and really was not thinking about it due to the circumstances. I figured anything else could be dealt with when I returned. I returned on Jan. 11th, 2009 to find my vehicle had been repo'ed on Jan. 10th. I had a phone message on Jan. 7th from Suntrust Bank to call them. The payment was roughly 20 days past due. I had made payments equal to or later in the past without any problems.

I contacted Suntrust Bank Recovery Dept. and attempted to reach the person in charge of my account. I was told that they no longer handle my account and that I would need to contact the Repo Dept. in my State. I asked why my vehicle was repo'ed and was told that I missed a payment in June and was late in Dec. I informed them that I made all my payments in June and had bank statements to prove it. I was told to forget about the June payment and that the Dec. payment was not paid on time. I mentioned that it was only 20 days past due and I had made payments late before without problem. I was told if it is 1 day past due they can repo my vehicle.

I contacted the Suntrust Repo Dept. in my State (Florida) and was informed of where my vehicle was located. The person informed me that I would need to pay the full balance owed on the vehicle in order to get it back. I questioned them regarding the fact I was only 20 days past due on my payment. I was told the same thing "We can repo your vehicle if it is 1 day late". I pleaded with them to work with me regarding this matter. They were unwilling to budge!! I went onto inform them that I had previously financed vehicles through Suntrust that I paid off and had been a loyal consumer. The fact that I was 20 days past due should not have resulted in repo'ing my vehicle. The person brought up the missing June payment again, stating "You really owe for June and Dec".

I again informed them that this was their mistake and all payments were made including June. I asked if the apparent missing payment in June had any bearing on the repo. I never got a good answer to this question. I faxed copies of the checks from my bank for June through August just to close that issue. I was then informed that all payments were applied to my account including the June payment. I again asked if this had any bearing on the repo and was told NO. They then offered me the ability to reclaim my vehicle if I paid Dec and Jan. payments along with all fees associated with the repo (additional $600). I requested that these additional fees be waived based on the fact the vehicle should not have been repo's to begin with and that the "apparent" missing June had bearing. I was informed that they would not be willing to waive these fees because it was not an error on their part and focused solely on the fact I was 1 day late in Dec.

This person then began to tell me that Suntrust Bank had already taken a loss of $20,000.00 on this account when it went into default the first time. I questioned how they could of taken a loss when I was still paying on the account monthly since it began. Plus, Suntrust would have written off any loss in addition to still collecting on the loan. The person had no response to my comment. This means they actually make more money in the long run. The other issue being that I only have 14 payments remaining on the 6 yr. loan. The vehicle is basically worth what I owe but if it goes to auction I will take a loss and still owe them money. Fair market price at "private sale" will not get what the vehicle is worth based on the automotive demand in our current financial climate.

I truly feel that there are underhanded and possibly illegal actviity being performed here. I had to pay $70.00 just to get my personal belonging out of my vehicle (crazy).

They did not take everything they were suppost to take off my credit report to roll into my re-finance loan and my credit is ruined and now they say I am $670.00 short on escrow. I just re-financed in july08. I do not understand this.

They said my payments would go up $100.00 if I did not pay in thirty days and when I was re-financing they told my when I used my credit card to have the house fixed to code they would roll it into my loan and a derogatory item on my credit report they did not take so now my credit is a mess and I just don't want to deal with these people.

About a year ago I opened a checking account at SunTrust Bank. I didn't know about it at the time but they ordered a credit report on me that day. Supposedly they did it to verify my identity, even though I had full I.D. with me and I showed it the day I opened the account. Now I am filing a law suit against them for invasion of my privacy under the Fair Credit Reporting Act. They will probably try to say they did it in order to conform to the Patriot Act, but that Act doesn't require that they pull a credit report to verify identity.

Also, I had an overdraft for 3 pennies. Yes, 3 pennies! SunTrust charged me $35.00 because of it. When I hadn't made a deposit to cover the 3 cent overdraft after 10 days, SunTrust doubled the overdraft fee to something like $70.00! I told them I wouldn't pay it, and said that if I was [famous] or someone like that they wouldn't dare try to charge me $70.00 for 3 cents. The President of the Bank would probably reach into his personal wallet to pay the overdraft, and personally wrap a toaster to send to me as a free gift. But because I didn't have much money to begin with, they felt they could do that.

Needless to say, I didn't pay them and closed the account. Now, I can't wait to get them into court I'm gonna love it! Notice-in case you don't know about it, most banks now get a credit report when you open a new account. Ask them if they do it before you open an account. That is a huge invasion of privacy and it's what I'm going into court to fight against.

I began taking classes in 1991 at our local community college, to obtain a degree in graphics communications. To cover my expenses I did work study, picked up odd jobs along the way, even painted my landlords barn and house to cover my rent, but I eventually had to take out a student loan. It's been a long time ago, and I have buried the paper work (I could find it if need be), but to the best of my knowledge, I took out a total of $7,000 in 2 student loans. I graduated in May of 95 and immediately went to work for the company I work for now.

After a few setbacks, I got into a regular rhythm of making my payments for my student loans. I have paid $113 a month since at least 96 but let's say I've been paying on this for only ten years that alone would come to over $13,000! And they say I still owe almot $2,000! I feel there is something wrong with this picture, but I don't know what to do about it. I am partially retired now, working 3 days a week and drawing my social security. As you can see, I was no spring chicken when I decided I wanted to get a college degree, if only from a community college. Is there anything that I can do about this?

I sure could use that $113 for other things, especially with the economy the way it is today.

I'm 81 Years old and for past 8 months had several medical things happened to me. In late march 2008 I was rushed to Stone Crest Medical Center where I stayed for several days in ICU.While in hospital doctors discovered that I need an open heart surgery. While I was sick and recovering someone got hold of my checking account and withdrew all my savings. I found out about if end of September when finally I was able.

I reported to Suntrust Bank at local branch. I had to fill out affidavits. Waited almost 2 weeks and contacted the fraud department wanting to know the status. They never received my affidavit. The bank clerk sen it Inter office mail to them without name or return response. So I had to start again. Total of money's tht was taken was Close to $20,000.00 Suntrust refuses to give me my money back because of some 60day rule. They never monitored my account to notify me of excessive withdrawals.

Yhe have return to me bit over $8,000.00 and the rest they said SORRY THERE IS NOTHING ELSE WE CAN DO. This was my last of finances for my retirement. We as consumers are bailing out all these banks and who watches over us?

This bank has really caused a disruption in my life! First off I deposited my student pell grant check into my account 12/9/2008. I asked the teller prior to the deposit if the monies would show on my account because I would be going out of town on that thursday. Her response was yes the money would post to my account. I left for my trip earlier then expected on that wens. morning. When I went to my account that friday I noticed the amount was not avaliable i called customer service and was told the monies would not be avaliable til monday because of a hold(1st time I ever heared this info.) I then explained to the representative my issue and she transfered me to a supervisor.

The supervisor connected me to the branch were I deposited the check. She also told me that the telller would not have known that the money would be on hold and the computer picks. I then was connected to the bank. The supervisor there explained the same as the representative and the superevisor from customer service and I explained my issue.

Now I am in another state dont forget that with No Money! The bank supervisor and customer service told me the money would be avaliable today 12/15/2008. I go to make the reservation and it was declined I then check my online info and the same thing was posted. I then called customer service again and now the info I was given is that it would not be available til 12/16/2008. I then was put on hold by the representative from 6:45 til 7:24 waiting for a supervisor and then was hung up on. I now when I called there was a recording stateing that phone calls are monitored when you have representatives from the samr branch giving out wrong info. to your clients this does not look good and now I am missing days of work and my vacation is hell No money and haveing to ask others to help me that dont even now me has taken my life to a whole nother level Thanks SunTrust.

Vacation Lost/2 days out of work

On 12/03/2008, I had $73 in my account. I was very careful about not going over that because I just paid about $300 in fees to Suntrust due to their posting practices. I had a bill for $315 that I had given my debit card # to for automatic billing on the 5th! Suntrust allowed them to process the payment on the 3rd, although there was not enough money to cover it, and continued to let me use my card, resulting in overdraft fees. This put my account at a -425 status. It would have been closer to $900 had my dad not loaned me the money to cover it.

Let's see, where do I begin??? Overdraft fees are never fun when I only get paid once a month anyway.

I have filed with the BBB but I am furious, so I am letting everyone know I possibly can to avoid them like the plague. I really hope someone can help me with this, because the money has to be there somewhere. I'm not working right now so 100.00 might as well be 1,000,000. I am so upset, I am to the point of crying, and when it gets to that point, look out.

the banks are charging me over $250 in fees because of insufficient fund ... now i explain that the company USAA withdrew $290 without athorization which.at that time i had $35 because of previouse legitimate transcation.... which were also on the pending bucket now this transaction cause a fee of $70 (for not having the funds + another fee of $70 for return money in the account... in other words the transaction was never paid to USAA... so this leads me to a negative balance of -$90 because their fees took presedence over the legitimate previous transaction that were on the holding bucket....so i had 5 transcations pending each transaction was never paid and cause $35x5 in fees totalling over $300 in fees.... i called and complaint about the issue that this is not my fault and to return the fees back to the $30 i had.... they said talk to the fraud department (fraud dept. can't do anything because no money was taken out)

This company repeatedly sends solicitations for mortgage loans under the guise of my credit union, with whom I have a mortgage. The title of the letter is Loan Modification Notice, leading me to believe my credit union is making a change to my loan. Subject line in the paper letter is re: Sesloc Credit Union - Loan Modification Team, posing as my credit union. Everyone in my household has permanently opted out of solicitations such as these.

The merchant (Donna) called them and they would not do the credit because she did not have my card number.

So I went to Terry Place the next day 11/5 and she called Suntrust and gave them the code. Now they say because it was posted to my account they couldn't credit it to my account. I would have to wait 3 to 5 business days. They also promised no nsf fees would be charged to my account because of this.

Well, this morning 11/7 I called back and spoke to Kale. He said there is no supervisor available until 7. But that the fees of 140.00 and 35.00 would be refunded to me. I called back and spoke to Ramero and his supervisor Fernie. Fernie told me he credited it to my account. I asked him what the balance was now he said "Its still negative." I aske how could that be. He tells me oh I can't give you an immediate credit.It won't post till this afternoon. WHat? How much more do I have to go thru for something that is not my fault. I don't understand why I can't get an immediate credit. I had this happen in September.

Suntrust charged me fees that they shouldn't have. The supervisor at that time was able to immediately credit it to my account.Why can't it be done? And if I had already contacted Suntrust about the problem and they were aware of the credit. Why did they put it through my account anyways. And also why did they promise me no fees and then charge me? And also if you look at my statement on line they took the fees out before they credited my husbands direct deposit. Which was credited prior to me gong to Terrys Place. which was not appropriate to do that. How can they just put the fees where and when they want. The direct deposit came through first then the other charges the fees should have been last. They did no do that. Please help. I know other People are having this problem.

We contacted Suntrust to refinance our mortgage on September 15th, 2008. We were locked into a rate of 5.625% on 80% of our loan, and 8.99% on 15% of our loan. Mary said that she would set up an appraisal as soon as possible. After 10 days of us calling her, and not getting a return call back, we finally got the appraisal. The appraiser said that she would have the final number to Mary no later than 24 hours. 48 hours later, and no call, we finally heard from Mary who said that the appraisal was for enough money. She said she would send the loan to the processors immediately, and call us as soon as she had a date for us to close.

Another 7 days later she finally called and said that she had bad news. She said that the loan she had promised us and quoted us for was no longer available and the only loan she could offer us had PMI, which raised our payment $75/month. She claimed it wasn't her fault, and that it was Fannie Mae's fault. The next day we spoke to her supervisor, Martha to see what our options were. (this is one week before our lock-in expires) She took 2 days to finally tell us that there was nothing she could do. It was right before a long weekend (Columbus Day), so there was nothing we could do in the meantime.

On Tuesday October 14th, we saw a different loan officer in a different location, who told us that when we locked into our rate, we also locked into the loan that Mary promised us. She said something about this didn't sound right and she would contact the regional manager immediately as she knew our lock-in was up the next day. She told us if we didn't hear from the regional manager, Debbie, that night, to call her in the morning. That evening (Tuesday October 14th) Mary called us to remind us that our lock-in was expiring the next day, and to ask us what we wanted to do. We told her we wanted the loan that was quoted to us in the beginning. She said that was not possible, and that we should just take the new loan, since it was better than the loan we had now. It was like she purposely put everything off until the last minute, in hopes that we would take the bait feeling as though we had no other option.

On the day our lock-in expired, we called the regional manager. She asked if Mary had called us the night before. When we explained the situation, she said that she had a meeting at 12:00, and that she would start working on our loan as soon as she got out of the meeting, and call us that afternoon. We called 3 times. Once was at 4:00pm, once at 5:30pm, and once again at 6:00pm, with no answer or return phone call. Our rate has now expired and rates have gone up dramatically.

We were victims of bait and switch. Based on the regional manager's behavior.. the not calling back when she knew our lock-in expired that day, even when she promised she would, makes me believe that this is what she trains her employees to do. Offer a great mortgage at a great rate that the consumer is happy with. Then, don't return phone calls to buy some time. When it's a week away from the lock-in expiring, offer them the only option mortgage where Suntrust makes more profit. Back the consumer into a corner that they cannot get out of.

We are now unable to refinance our mortgage as planned since the rates have increased more than 1% over what we were locked into. We may lose our house because of this in a few years unless rates drop to 5.625% or lower again.

Recently paid off auto loan, seven months early. Was charged full amount of seven total early payments. Was told there is no unearned interest deducted because interest is compounded daily! Seems to me, if paid off seven months early, there should be no interest charged or earned by the bank for the money !!

Feel we were overcharged for unearned money

Suntrust for several months hs been offering rewards for opening new accounts; as a result my daughter's grandfather opened her a checking acct that with the check card feature was to reward her with a $50 Visa giftcard. We complied with all the terms of the offer and registered online to receive the giftcard. It was stated it could take 10-12 weeks to process and to date it has been 17 weeks.

I have repeatedly called to check status which is always processing and gone to the local branch for help with this issue. The manager there seemed perplexed that this is happening and was helpful as he called the 800# and verified I had followed all steps required and yet told me the wait period would begin again from that day which was already 12 weeks after I had applied. I think it has become commonplace for corporate America to offer perks that they have no intention of delivering.

In this case with Suntrust, another option was to have $100 donated to your favorite charity. Guess they will never get those donations as they would'nt even know they had been designated to receive the gift. I am appalled at the lack of interest to the emails I have sent Suntrust about this issue--they just kick out a form response that indicates they don't even have a person reading the complaints. Thank you for your attention to my situation and I hope my daughter gets her gift card before she graduates from college.

Repeated lost hours of calls, visits to inquire why this simple matter isn't resolved and my daughter would like to spend her reward.

I have owned a retail store & small business for 15 years. Recently, my bank has been charging such outrageous fees on our credit card purchases, that we may go out of business. My June 2008 statement was 21.8%. This is true, I have a degree in Finance & know how to compute the percentages.( Our on-line account only charges 2.5 to 3%. )It gets worse. We own our own credit card machine & they have charged us rent for 18 months for the one we returned to them 18 months ago. I have called for months, there is no intelligent explanation. I would greatly welcome any advise or assistance. This can't be legal.

WE ARE ABOUT TO LOOSE OUR RETAIL STORES - We have been in business for 15 years.

I live in Central Fl. I have banked with Suntrust since I was 16 (9 years). The debited $156.60 out of my account without my knowledge or permission to pay an outstanding balance on my ex-stepdad's vehicle loan. He is NOT on my banking accout and I am NOT on his loan.

The common denominator is that my mom, Belinda, co-signed my banking acct when I opened it because I was 16. She also co-signed on the vehicle loan when she was married to her ex-husband. Her name is on both my checking acct and his vehicle loan which are both through Suntrust. They have a Suntrust banking acct still open in their name with money in it.

First, they told me I had to talk to the loan department about it. Ummmm...I'm not even on the loan, they are not going to talk to me!!! Second, they said it is between my mother and I! Ummmm...she didn't take my money out of my acct, Suntrust did!!!

After speaking with 3 supervisors and spending an hour on the phone completely irate and yelling, they agreed to debit the money back to my account and instead debit it from Belinda and Ken's acct. I don't even think they should have been allowed to take it from their acct either though. If a loan is outstanding, they need to report it to a crediting agency just like every other loan place has to. They shouldn't have authority to take money out of someone's personal checking acct with their knowledge or permission!! Who do they think they are...the federal govt!?

In essence they took money out of my acct to pay on a loan that my name is not on! I will close my acct asap! I no longer trust them with one cent of my money. I've checked my internet banking 3 times today to make sure my money is still there and that they haven't found some other illegal and absurd reason to take it. And God forbid if that debit had put me into negative funds and they charged me a fee for that!!! This is resolved now, but is illegal and should NOT be allowed.

Over $720 in unreasonable bank fees in over a years period.

We sold everything we owned in NC and through a log home dealership dealer was referred to Suntrust in SC that deals with home/land packages to build a log home on 35 acres in VA...From the beginning this company was informed that we were buying and building in the state of VA...

We are log home builders of 20 years and were our own contractor/builder which aided into keeping some of our labor costs at a minnimum...But we asked for several things with the loan package we wanted and was told yes to all of it...One question was, can we ask for more funds when we need more to build even though we are going to do as much sweat equity as we can...They're reply was YES...

Mind you, I had $100,000 in the bank waiting and they knew this too.

We were lied to about several things concerning this whole situation and our trusting ignorance has cost us...

Well, 2/3 way through, we needed to ask for more funds...It was cheaper for us to pay the loan amount for more funds than to keep draining everything we had to finish up...

They said they were sorry but SC cannot lend any monies beyond the contractal amount to VA ...

They told us we had other land that we could borrow from should we need more funds and there was other ways such as credit cards, etc...Or they could redo a whole other loan for us... New costs and everything just as before.
(Read Ripoffreport.com for Suntrust, Cricket from Independence, VA)

So..As of now..Our credit scores lowered due the fact that we had to max out every credit card and supplier on top of get another real estate loan on our other land added to our list of debtors to finish our house...

They gave us an adjustable loan when we asked for a 30 year fixed and we cannot get a refinance because our scores dropped due to us having to use other credit and the avenues they suggested us to use.

And now they messed up on the recording of the title in VA and want me to sign it again...

I have a line of credit with this bank. I usually make a payment early by about 2 weeks. The bank then holds my check to accrue more interest. I sent them an e-mail and asked for them to stop this practise. They have not. I believe they owe me several hundred dollars in the fraudulent accrual of interest.

A total of $96 in unrefunded charges has occured. This amount is approximately equal to one week's pay for my daughter.

I took out a new home Equity Line of Credit with this bank in Jan 2006. They were suppose to create a new loan and they did not. They instead did advances from a previous loan there by charging us for advance fees which they rolled into the amount owed. So were paying interest on advance fees.They also left an $11.85 interest charge from the old loan on the new loan and also melded that into our amount owed. Credit that was available on the old loan was not carried over to the new loan.

We signed a contract 01/14/06 for a fixed rate of 7.74% and for 6 months they charged us 8.07%.Then in June of 2006 they took out a different loan without my permission and charged us another advance fee and charged us for back interest they claim we owed.We have received 2 letters from the same woman at the bank and she has only addressed 1 issue among many. I have BBB reports from several states they operate in and the complaints are all along the same lines as mine. We are now displaying Buyer Beware signs in both rear windows of our car.

I have contacted to date, two local news stations,two BBB's,several attorneys, consumer fraud division here in Nashville and will continue to aggressively persue this matter until we have satisfactory results. I have already contacted the federal reserve and gotten nowhere with them either. Any other suggestions or advice you or someone else can offer would be greatly appreciated.

I have lost money through transactions by this bank. I have had to spend countless hours delving into my past monthly statements as well as the time contacting various sources seeking a resolve. I'm presently on Anti depressants and stomach medication so this is affecting my health big time.

My car was repossessed without any warning and being only 62 days late on payment. They took the car from my driveway. I need to find Mississippi state law regarding repos to get my car back.

I changed jobs a few months after opening the account. My previous job drew their paychecks on Suntrust. My new job did not.

I went to the bank with my first paycheck to deposit into my account. I had made a few purchases and had to have the money in my account to cover them, and any expenses I would incur for that week. I wanted the check deposited as cash. I figured that would be ok, since they had done it with my former job's paychecks. I was told by the teller that it was not possible. She could deposit the check into my account, but it would take 5-7 business days for my money to be available to me, or to show in my account.

I went through supervisors in various departments. I kept getting the same story each time, with different add-ons. I feel that if I deposit a check into my account and leave, my money should be readily available to me. Apparently this is not the case. If they had been forthright when i opened the account, i would never have done business with them. So far to date, I have received notices about NSF purchases which were paid by my bank. The total (within a month's time) has went well over 500.00 worth of bank charges. I refuse to pay this. It is not acceptable. I feel that it is the bank's error. Again, when i leave a bank in trust of my paycheck, it should be made readily available to my account. This would never have happened if they had just deposited my paycheck and made it available. The purchases would have been more than covered.

500.00 (and building)in bank charges. I cannot afford to pay them. Bills payments that were made via auto-deduction from my account have forced me to lose services because I had such a problem stopping the withdrawals from my account.

My credit is ruined after getting in good standing and it has caused me great emotional distress.

I have direct deposit, so literally half of my check will be used on bank fees. My family and I need the money for food and bills, not unnecessary overdraft charges.

I started my account over 4 years agon with Barnett Banks. All was fine and things were handled rather smoothly. Later on, they sold to Huntington Banks which I never had troubles with the way they handled my account. Now that Huntington sold out to Suntrust, my account has been mishandled every week. I've gone into the branches and deposited CASH and it has taken 2+ days to show on the account, causing NSF fees they refuse to credit. They will have 5 pending transactions on you account for 4+ days (ie.. atm withdraws, maintenance fees, and POS purchases) for relatively small ammounts, then they will get a large ammount itme pay it without ever even placing it on the pending list or placing it in the computer as pending, then they turn around and NSF fee you for $30 a piece for the 5 small items as soon as they pay the large item. Then pick and choose what and when they will pay things in order to maximize the revenue collected for NSF fees.

When you call customer service, you get a rude individual that can only say, It is at our discretioon when we pay things and what priority we pay them. If you don't like it switch to another bank! I have heard different variations basically saying the same thing 4 different times by Customer Service supervisors when I have called. They even place seperate NSF fees for the monthly account maintenance fees, and then the handling fee, and for each atm useage fee. Basically they are charging $30 for each item they pay themselves from your account then getting $30 on top of it.

I never had NSF fees before Suntrust took my account over, and now they are a constant strain on my finances. When I deposit cash inside the branches, they make Huntington account holders fill out a special deposit different from the Suntrust pre-takeover accounts.

All of my money is eaten up in NSF fees, leaving me little to no money for food for my children and the bills. Being a single parent it makes surviving difficult, limiting the possabilities for my children. It has caused me to lapse on credit card payments, ruining my credit which has had absolutely no negeting reports until this started.

I was never late on credit cards for over 3 years, NEVER, and now they are all calling all hours of the day and night wanting money. I start shaking everytime I hear the phone ring, afraid that it is going to be a bill collector. I hate to check the mail because of all the Suntrust NSF letters that come in. I can't make it anymore, I am just not able to pay the basic bills with them stealing all of my money, and they just yell or get rude when you try to speak with them about it. I feel like they are attacking the accounts taken over from Huntington.