Truist Reviews

We called the bank and spoke to the manager and he said, "I didn't do it!" We tried to call for several days. They kept telling us the funds would be released tomorrow and we told them we were right in the middle of moving and NEEDED that money! We finally spoke to another manager and she said, "Of course your money was locked up, it is a SECURED CREDIT CARD! We can cancel it but it will take 3-4 weeks to send you a refund or you can just wait to get the credit card for 7-14 days and that is all I am willing to do in this matter!

We told her our entire house was packed up and we were sitting in an empty house with our grandson and nowhere to go! During this process, they let an unauthorized debit from DirecTV go through on our account and then charged us an overdraft fee (we had enough money in the bank to pay all outstanding debits on our account but this unauthorized charged caused us to have several overdraft fees because SunTrust takes care of the largest amount first) so they paid the unauthorized charge and we were stuck with all of the small charges bouncing!

We called about it, they said if you use your debit card to pay a bill, we are giving the company permission to continue doing so! She asked if we did in fact owe the bill and we told her yes and we have always paid our bills on OUR pay date but we did not give them permission to take it when they decided to! She said the only thing we could do was close the account and open another one! We had to call the SS office and have our check rerouted to the new account and leave the old account open just in case it went to that account and then told us that they would note the old account to keep anything else from being taken out of that...

One day later, another overdraft fee was added to our account for the same thing!!! We called and told them that the manager said she would note the account to keep anything else from being debited without our consent and the woman said there are no such notes on this account! We were NEVER told that paying with a debit card would be giving anyone permission to keep withdrawing money as they saw fit! We never told DirecTV to save the debit card info and continue using it. So now we had to file a dispute to get our money back and in this process, they asked us again, "Do you owe this money to DirecTV?" Well yes we do but why is that any of your business? We DID NOT give permission to DirecTV to save our debit card info and to keep using it!!! That is all Suntrust needs to know!!! I owe a water bill too but they don't stick their hands in my account and try to take money before my payday!

What way is this to conduct business? We were asked to close our personal accounts and safety deposit boxes. We have had ZERO issues with Suntrust. The people at the local branch, that I have dealt with over the last 12 years, have been great!! They were actually stunned when they heard I had to close my accounts and boxes. The Branch manager even called around on my behalf to find out an explanation for this decision. They told her that they needed to talk with me and would not give her any additional information about their decision or a way to fix it; if there was an issue. Their response was the one mentioned above to her also.

This came as a complete surprise to me and her. Customers deserve more of an explanation than the one stated above. WE are professional business people and undeserving of simply being fired from our bank with no explanation? Shame on Suntrust for acting in this unprofessional manner. This bank is NOT, at the corporate level, interested in providing reliable service. I have notified my family of this inappropriate act and they are also in the process of changing all of their banking accounts to another banking institution. We are also NOT recommending this Bank to any of our friends or anyone for that matter. Suntrust's, OUR PURPOSE, statement on their Website is a lie and corporate doesn't care at all of the needs of the people. Find another bank to do business with.

Do not trust this bank, go elsewhere. Your best interests are not at hand. SunTrust can be always found in small low income communities, not to help you shine, but to ensure the overdraft fees, which they will not refund, they do not care. Also, all of the jobs have been outsourced to third world countries to help them save money. Will not promote within, empty promises to employees, and it seems to me that they pay men more, and have no problem letting women go when they reach that 40 year old mark. Not happy, run while you still can.

I told him thanks for nothing. Literally, nothing. I'm going to the local branch tomorrow and I am going to complain and then I'm closing all of my accounts. Mark whose last name isn't given but who can ask me for my IRS information, my last name, my phone number, my address, my credit card number, etc. and I can't know his last name or even my own account number. Madness. I quit.

A few weeks ago I saw a customer get extremely angry with the teller. Not sure what that was about. Suntrust does not use deposit slips for some odd reason. I have found the service at times to be condescending, slow and almost entirely Islamic which seems a bit unusual. My other bank, PNC, an OUTSTANDING BANK, hires Asians, Hispanics, Indians, Africans, ** and any other race/religion. Why does Suntrust seem to cater to hiring a nearly all Islamic staff? What's up with that?

We relayed all this info to Mr. ** who still filed a report with the Hiram Police Dept who then advised us that they could issue felony bench warrants and we would both be charged with felonies. All correspondence with person I received the check from was provided to the police as well as the statement from the bank the check originated from. They are now saying it's up to SunTrust and this Mr. **. My son has contact Mr. ** who is saying that he will not take payment in full from us that he will take it thru litigation because my son said in a previous statement that he didn't have the money. I've spoken with the corporate office who all understand that we are just as much a victim in this as they are yet this Mr.

My son is 18 years old and for him to have a possible felony charge on his record for something we didn't do will ruin the rest of his life and his ability to have a career. I work in the finance field and any arrest will lead to my immediate termination from my position. Nobody at SunTrust seems to want to do anything. We did not know the check was a scam. If we had it would have never been deposited. I have since obtained the monies to pay back the acct yet Mr. ** is refusing. It doesn't seem fair. I understand SunTrust is a victim but so are we. Please help us.

I have tried on several occasions to get to the office of the president with no luck. My info is supposedly being forwarded to him and I've sent a certified letter to Will Rogers, CEO, Timothy ** and the local branch with no response. I can't imagine that there aren't other people out there going thru the same thing right now. I hope that someone can shed some light on this issue and help me to get this cleared up without felony charges being filed on myself or my son for something we didn't do.

When I try to contact them by e-mail, they continuously A) lock up the account with no explanation or B) set a very short "time on line" so short that before I can finish the e-mail the connection is timed out, then they immediately block my account online again. I then have to call during certain hours and waste half an hour before someone in Florida resets something on their computer system. I am very close to terminating them before they put me in an embarrassing position checking out at a grocery store or drugstore. I fail to see why they are so fast to put customers in harm's way and so slow to fix anything or update accounts in a timely manner.

What way is this to conduct business? We were asked to close our personal & business accounts. We have had ZERO issues with Suntrust. This came as a complete surprise to me. Customers deserve more of an explanation than the one stated above. WE are professional business people and undeserving of simply being fired from our bank with no explanation? Shame on Suntrust for acting in this unprofessional manner. I will be following up with every social media outlet I can to warn individuals about banking with this establishment.

July 29th I came down to find Elliot to have him explained what happened, instead another colleague was there to assist; that's what I thought. I gave him all information needed, complaining about the check card ending... which is a new joint account under James..., husband and mine. Told him what transpired and what the situation was, but his arrogance got me. I've never felt insulted humiliated and belittled until that moment. He assumed too much when no one else's know the accounts by heart than the client themselves. Having said that we have had this account for over ages. We haven't done any changes to it neither to the checking account. I do all the calling the work on this account. Having said that, he strongly said that savings account ending.. had another check card without doing a research. He did not only solve the issue but given me an attitude. I was shaking in anger and frustration.

Later that afternoon took my husband with me since by our choice I didn't have my name on that savings thinking it won't be a big of a deal since I have access to it. I for one know how confidentiality work. I have worked as customer services for 7 yrs working for Sprint and AT&T and there's nothing different from how it works from any other customer service jobs. It would have been different and I would have understand and walked away without a heavy heart if he'd handle situation professionally. What made it worst is what Ms. Amela deal with the whole thing. She conveyed that she was listening the whole time and witness how her agent handle the situation but other than she didn't do anything. She covered up the act of arrogance and spoke in behalf of him. The bottom line is, we were there for a reason and that is to fix the issue not for her to tell me what her agent's accomplishments are, that was the least thing I would want to hear.

At the end of the day you guys are behind the counter for a reason, to help your customer. Above the skills and the knowledge is that experience and interpersonal skills. I asked myself if it had been somebody else like, like your kind, probably you guys have handled it better. But mind you guys, we're the customers who you guys should look after. We've manage to keep our relationship with Suntrust and paying a card with $4000 a month with minimum payment of $50, you barely could see that happening. What I'm trying to say you don't handle customer or judge them by how they look. I'm writing this letter so you guys would know how traumatizing and how I felt so disrespected. We all have equal rights here. We are American citizens like you guys, pay our bills on time, work hard just like you guys. So how you treat us is unacceptable. From the bottom of my heart I pray and wish you guys or any of your loved ones won't have to experience what I had experience with you and your colleague coz it's not a good place to be... that's for sure.

I added up what bills I would pay and what I would leave in the bank. She said, "But you will have to get rid of these OD fees," and foolishly I gave her my last $80.00 to cover the two $36.00 overdraft fees. Of course, no card ever arrived, and when I attempted to call her, Marcus, the manager at the branch was very rude stated, "She's in a meeting and so am I." I left my number and asked that she call me back and I have called three other times, but she has never called me back. I am seeking the advice of counsel, and will report this obvious deceptive practice to all I come in contact with.

I asked for a refund of the overdraft fee and was told that they only issue refunds for bank error and this was not a bank error. I asked to speak to a supervisor and she also stated that regardless of what I was told at the branch, this is correct and they will not refund the overdraft fees. I told her that I left a military bank for Suntrust and I am leaving as soon as I get the balance back to 0 and that this is the worst customer service ever. She kindly told me that she is sorry I feel that way, but to have a nice day. I promised her I would tell everyone in any way possible how terrible their bank is. Hence, my post here!

The teller handed me back my check and I took it to Wal-Mart to cash it. The teller had written my account number on the back of the check which makes it a third party check which Wal-Mart is unable to cash. THANKS, SUNTRUST, for nothing. I would highly recommend picking another bank to service your needs. I have had nothing but problems with Suntrust and I have only had an account with them for two months.

They took my money. It was more than enough to cover this check. And then they returned the payment anyway. Now, I will owe fees and the payee will be angry at our business and could also be inconvenienced, and I'll have to cover his fees too. I wasted hours out of my day that could have been used doing actual work to build my business to take care of something that ultimately they failed to handle as promised. It is clear they do not care about customer service at all and my good faith effort was not met with anything close to the same good faith by this bank. I do not say "my" bank, because after today, I will see that they are no longer.

Then I found out that they were charging me a monthly fee to have a savings account at their bank, a supposed free savings account. That made me angry. They shouldn't be able to just change account terms without notifying the account holder. When I called them, they wouldn't do anything for me because I was not my mother, although my name is on the account too. So I had her call them later and they would not refund my money, so I took all of my money out of the account. I was done with SunTrust, or so I thought. My new bank of choice was PNC which I am still very happy with. The only problem is my payroll is done through SunTrust. So if I want my money immediately, I have to cash it there, which wasn't a problem for almost a year.

One day, I went to the SunTrust and one of the employees said to me with an attitude, "So when are you going to open an account here, because I'm not going to keep cashing your checks for free if you don't?" Excuse me? Not only did she say that in an extremely rude and unfriendly way, but I did have an account there. It was still open; it had my name on it along with my mother’s name. I clearly was a SunTrust account holder, and I told her that. Her response? "Well, I see here that you're under 18. So I'll do it for you. But just know in the future that since it's a joint account, I'm going to have to charge you a check cashing fee." Which is like $20, might I add. Obviously I'm under 18, and obviously I have an account there so cash my damn check, do your job, and shut up. Don't act like you're doing me some sort of favor when I've had an account with your bank for over 2 years.

So if you are under 18 or you are a parent of a child under 18 who needs a bank account, don't go to SunTrust. It will just make both of you want to pull your hair out. I'm about to turn 18. So if I wanted to, I could have a legitimate account with SunTrust. But because of the way they treated me, that's never going to happen. Their customer service sucks and I'd never recommend them to anyone. They thought they could bully me and get free money out of me because I'm a minor. They were mistaken. I will never be banking with SunTrust in the future.

They play with the numbers so they can earn as much money off of you as possible. That's another thing when I did have overdraft protection connected with my savings paying $17 a month and I still would get charges? What's the point of paying for the perks if you don't even get them? I'm canceling my account tomorrow.

I called the branch at 622 Belvedere Road in West Palm Beach Florida and spoke to **. I asked her that if there was a "duplicate payment" which there was, one for January by check and one for February by cash (19 $100 bills) and why SunTrust would reverse the cash payment. She was very curt with me which put me out of sorts as I had to come up with an additional amount of money to pay February again and the month of March. Unfortunately, I cannot find my receipt and I was told that SunTrust could only go back to February 14th (I received the letter after that date).

I know that I went to the teller's window on my lunch hour between 12 and 1:30 on February 4th. I know that I paid my February mortgage in cash and I am not trying to get money out of the bank that is not mine (which was insinuated by your branch manager who was very unprofessional) I asked, "If there was $1857 over or under in a teller's drawer, where is the money?" She advised that the teller should go to the branch manager and they would handle it. This was never done.

I would appreciate some assistance in getting this matter resolved. I am a single woman with minimal resources and have been a SunTrust customer for 4.5 years with no problem whatsoever. I do not care to speak to the branch manager on Belvedere as she and I are not seeing eye to eye on the situation. If someone else would care to speak to me regarding this rather sensitive situation, I would appreciate it.

My only recourse would be to contact an attorney to resolve this matter, but then I have lost my cash receipt, so it is your word against mine and I do not take anything that doesn't belong to me. What I would like is to obtain the bank's video from February 4th between 12 noon and 2:00 which would at least show that I was there at that time and the video would show the transaction. Please let me know what I need to do (without a court order) to obtain this video. It is all I have right now to back up my transaction. Thank you.

On Sunday, February 24, 2013, I called your fraud line with a report of a lost or stolen check card. Yes, it was still in my possession, but there were charges on my account that were not mine from two entities. The first place was Bestbuy.com and the second was Sprint.com. I only found them because I was reconciling receipts in my possession that needed to be logged in my personal records. I was doing this from my SunTrust application on my iPhone. I was told that there would be an active case opened and that a new card would be issued. I was also told that I needed to call you again on Monday to speak with a representative to get the case number and the necessary paperwork to get these charges disputed.

I called on Monday, February 25, 2013, and was given a case number but was told that I couldn't file an Affidavit of Fraud until the charges cleared my account. I asked since they were pending why they couldn't go ahead and deny them. They told me that they had to clear the account. I called on February 26, 2013, and was told that now I could file the affidavit of fraud because the amounts had posted. I filled out the affidavit and faxed the same day. I told them that I was disputing the February 24, 2013 charge to Bestbuy.com in the amount of money which was made at 5:15 in the afternoon (per my own research that I had to do from your Melrose branch and asking with my own identification on my own account).

I was house-sitting at the time at a house with no internet access. I was only able to look at my account through my application on my iPhone. This was when I noticed the charges. I am also disputing the February 22, 2013 payments made at Sprint.com at 8:39 in the evening (per my own research that I had to do from your Melrose branch and asking with my own identification on my own account). I was at the time of this transaction having dinner at a Cracker Barrel which also had no internet access.

I have never authorized anyone to use my card. The personal pin I have no one, not even in my family, friends, or co-workers knows it. I had at the time not filed a police report because I was assured by the fraud department that I would not have to do such thing. My summary of events was also right in what I submitted to them. On Saturday, February 23, 2013, I had gone to Exxon to get snacks in the middle of shopping and found the charges on Sunday. I have only ever had a Verizon account up until two years ago when I was given the opportunity to be on my company's Sprint account. I still don't have a personal Sprint account.

I was told that I would be issued a provisional credit in the amount in question until my case was reviewed and the decision was made. I was also told that the money in bounced check fees would be taken care of as well. Then the amount of the fraud would either be charged back to my account if there is evidence that I made the purchases or they would finalize the credit in that it wasn't mine. I was not refunded the bounced check fees. It was only after I called two more times that this was taken care of on March 1, 2013

I received a letter dated February 27, 2013 on March 4, 2013 stating that they thanked me for my inquiries concerning my account and that the temporary credit was issued. It also said I would have full use of these funds while the investigation was taking place on my claim. I was also told that if the claim was denied, the temporary credit would be debited against my account and that I would be notified. I was notified on March 12, 2013 with a letter dated March 7, 2013 that according to the research, the transactions in the amount of money were complete and valid. There were no errors on the merchant transactions and that the money would be retaken out of my account on March 14, 2013.

Of course, I am appealing this decision. I called your fraud department on March 13, 2013 and told them so. I was then told I could not look at their records regarding the matter unless I had a police subpoena. I therefore called the local police department and filed a police claim. I then called the fraud division back and gave the number to them for the police complaint and asked what I could do to get my money back. I was told that I would have to call Best Buy direct and Sprint direct myself and file an appeal with the bank. I was also told there was overwhelming evidence that it looked like my charges.

I called Best Buy Fraud division on March 13, 2013. I informed them that purchase in the amount was a fraudulent purchase. I proceeded to tell them the card number and expiration date so they could research it. They were able to tell me it was a purchase made on a laptop online for an in-store pick up. They even told me the store it was picked up at. They issued a fraud case on it as well with their number. I was told the telephone number was not mine and the email was not mine. I have had both my email and phone number for also over 15 years.

It was bought with my debit card and the address they gave was one of my addresses from a year and three months ago when I lived at an apartment. I currently live at a house, like it says on my accounts with the bank. The laptop was picked up at this store which is 16.9 miles from my house. If I made this purchase, which I did not, I would have gotten it at a store closer. I already have a laptop; I wouldn't have bought another one and such a cheap one. Secondly, it shouldn't have even been approved if the address didn't match my current one.

As for the Sprint charges, I called them on March 14th, 2013. I told them my card number and expiration date so that they could research it as well. They were able to tell me that it paid on someone's account. I asked if it was on an address with my old one or current, and they said no on both. I asked if it was a business account and they said no, that it was a personal account. I asked if they used my name and they verified no. I never give my card to anyone to use and I surely didn't give it to someone to pay their Sprint account. They also said that they could not tell me much more until they were subpoenaed as well.

I am very dissatisfied that the decision was made that they were my charges where there is clear evidence it isn't me. I was never called to verify any of the information submitted or asked questions on what they found. They just took my money like the crooks that used my card to make these purchases in the first place. I have changed banks. I will never use your services ever again.

Trust me, they are in this to rip off small business people. I went so far as to send letters to the president of Suntrust. They called to say they would resolve this matter. And the only response I ever was able to get beyond that was from a supervisor who wanted to let me know he was going to discipline the salesman who did not provide disclosures and just plain lied to me from the start. That gives me great comfort every month when they are overcharging me by hundreds of dollars and refuse to make it right. I have another 6 months to live with these thieves and then it is goodbye Suntrust.

On January 8th about 11AM, I received an email from Amazon that one of my charges had been declined. Upon checking my Suntrust account, I noted that there were a string of fraudulent charges - pending transactions activity on 01/08/2013. I immediately called the Suntrust fraud line (678-462-9964) and talked to a woman, who tried to tell me how to fill out forms and refused to listen to the issues. After about 15 futile minutes of trying to explain the situation, I asked for a supervisor and was connected to a Carol (1-877-716-5678 ext **) who gave me a case #** and proceeded to read from the same script that the other person had read from.

I explained repeatedly that these were fraudulent transactions (later I found posted from India) and that they should not be processed. I called their attention to the word pending, which they did not seem to understand. They said I could recover the funds after I filed the proper paperwork. I explained that the word pending meant that the monetary transfer had not yet occurred and that I was giving them plenty of advanced notice of the fraud so they could suspend/cancel or otherwise stop the completing of the fraudulent activity. They totally refused to either understand, comprehend or be willing to do anything at all. Ms. ** said she would send the form to my local branch and that I needed to go into the branch to sign the form so my funds could be recovered.

I again tried to explain that the funds had not yet been removed from my account (as shown on the screen), but she refused to pay attention. Since this was being recorded, I asked for an audit number/trail for the recording and she blatantly refused to provide it. I indicated that it might be necessary if I pursued legal action with the state Attorney General for co-conspiracy before the fact as they were directly assisting the fraudulent transaction and transfer of funds should they allow the transaction to complete during overnight processing. I further informed her that I had been in the financial industry as an IT consultant, programmer and analyst for over 40 years and had some knowledge of how the banking systems worked, but she refused to be willing to do anything at all and basically hung up (see transcript of recording if it can be found!).

Secret Service contacted: In frustration, at 14:18, I called the Orlando office of the United States Secret Service who handles electronic commerce fraud. I was immediately connected with a courteous agent. I explained the situation and he seemed puzzled that the bank had refused to do anything and suggested I go directly to the local branch office and talk to a manager as it would then be their direct responsibility if the fraud was permitted to go to completion with the actual transfer of funds. I said I would report back on the results.

Suntrust Hunters Creek Branch: As I was directed by the Secret Service agent, I immediately went to the local Suntrust branch office and told the manager that I had been directed by the Secret Service to talk to her. She was at a greeting station and was shuffling papers and had me wait for several minutes before deigning to see me to her office. The branch manager's name was Rosemary ** (407-858-1268) and she was polite, calm and listened to what I had to say. I acknowledged that I was agitated from the insanity of this and the total lack of help, advice or assistance I had received so far. She proceeded to pull up my account on her computer workstation, noting the transactions I disputed.

She basically began to repeat the same line of recovery of my money should the transactions prove fraudulent and that I had to file a claim form. Again, these people do not seem to understand their own systems and the word pending. I again explained that I was providing ample notice of the invalid transactions, but she refused to take any action, pointing to the areas of the form that I must fill out. I again said that she was aiding a fraud as a con-conspirator before the fact if the transactions were allowed to be posted to my account. It fell on ignorant/deaf/arrogant ears.

She provided me with a copy of the report I filled out. I noted that one transaction was valid, having been dated the day previously, but she refused to correct the document, so I drew a line through the approved transaction that was to a totally different company. I left her office again indicating that I would contact the state Attorney General to report the supporting activity if the fraudulent transactions were allowed to be posted. She smiled and totally ignored me. No matter the outcome, which I will document tomorrow, January 9th, 2013, I will close my accounts with Suntrust and never ever do business with them or any other bank again. I plan to move my accounts to a local savings and loan.

01/09/2013: So even after I went into the branch and talked to the manager, they still stole the funds from my account.

01/22/2013: It has been 14 days since I reported and tried to stop this fraud and still Suntrust keeps stealing from my account. Now they are piling up extended overdraft fees on my account from which they have stolen my funds. There seems to be no recourse.

02/06/2013: It has now been 28 days since my initial report to Suntrust of the fraud perpetrated by Book My Show in India. My account continues to be charged huge fees for nothing. I have received no call, letters or other correspondence relating to this matter. I plan to take this to the public in the near future to dissuade anyone from doing business with Suntrust Financial Institutions!

On the second statement, I received an interest charge because I did not pay the balance in full including the convenience check amount. I complained to a manager and then to the President's office and was told, in order to avoid interest, I would have been required to pay all previous balances in full and stop using the card, making no more purchases. Now I'm getting charges, interest on purchases I make even though they are not even due yet.

What a joke! Whatever you do, don't use the convenience checks. It is a big fraud and a very deceitful practice. Suntrust, you got me on this one, but rest assured my accounts will be closed and I will let everyone I know to close their accounts to go to another bank. Hope you're happy! Clark Howard is correct - Fire the big banks!

In January 2013, there was a judgment awarded to them against me in excess of $12,000. The point is, I readily admitted a mistake and I thought I did the right thing and was screwed by their big money greed. I would not ever advise anyone to have any dealings with them. Just read all of these complaints - that should tell you something. Much like the Mafia, you will have to pay Sun "bust's" vig, which in legal terms means ridiculous interest.

Well, when the sale fell through due to their dragging their feet on the short sale for so long, they did report it and not only that, we had already cancelled the insurance and they tried to say we owed them for the insurance that they provided which was nearly $1000 for a month (we had been paying around $400 for a year!). Another buyer was found 2 weeks later, but the short sale didn't take place for another 3 months, during which we didn't pay anything on the house payments, as a Suntrust employee told us not to as the sale would take place "any day now". Eventually, the short sale closed, but Suntrust harassed us for the insurance money they said we owed until I got very nasty and told them that wasn't going to happen, as it was a ripoff on many levels and we had talked to an attorney, which eventually made them reconsider and they finally dropped the matter.

These people are liars and cheats and I wonder how much they've made off their very expensive home insurance they are more than happy to provide under circumstances like this one, with problems of their making being the problem in the first place. If my real estate agent hadn't gone to their offices and refused to leave until something was done about completing the short sale, it probably would have never gone through, as the house sat there and they made insurance money and amassed money for house payments we were specifically told not to make! Do not ever deal with this bank for bank accounts, mortgages or anything else - they will lie, cheat and steal from you and deny it ever happened or they did anything wrong.

I made several cash deposits after the check was deposited, which were enough to cover any outstanding purchases I had made against said check once I learned it was being held. On the 5th day of the hold, the check was returned (account closed). How I was supposed to know this was going to happen is beyond me, but the hold for the amount was still on my account despite the check being returned (funds I never had access to anyhow) and my direct deposit for more than 3 times the amount of the fraudulent check posting. My available balance was in the negative, while my actual balance was in the high hundreds. We had zero access to our money until the 7th day.

On the 7th day, my husband's direct deposit went in. I called the telephone information line to verify the funds and I get what should be the correct available balance. My husband did the errands, including purchasing groceries, and the card was denied at the register. A call to ST revealed there was a "no debit" hold on my account. We were told it was because we needed to do new signature cards. We did that and we were told the freeze would be lifted by the branch manager ... who happened to be off until after the weekend (3 days later).

On Monday we followed up, and the branch manager said she couldn't do anything. She called the Fraud unit to find out they were the ones who had frozen the account. They let our direct deposits go in but won't let us access our funds. My 6 kids, including two foster children, had no Christmas presents! After a week of phone tag and hours long branch visits, we were told our accounts were being closed and we would get a check once that was done. I asked how long it would take, and no one could give an answer.

"When the investigation is over..." is the word, but then we're told anything from, "investigations can take up to 30 days" to "the investigation is over, we're in the process of closing your accounts" to "call us tomorrow to get an update on your account and see if you can withdraw some of your funds." Okay, so when do I get my money, and why would you close an account over a fraudulent check that I was a victim of?

We're supposed to move and we can't because we can't pay Cobb EMC to turn on our electricity. We can't get a rental truck or pay movers. We may lose our foster children over this, and they've already been disrupted twice since coming into care. We're real people with real lives and Suntrust is sitting on over $3000 of our money. Run far, far away from this bank. No one knows what's going on, you will not get a straight answer, and they will allow all your familial income come into their accounts knowing full well there is a debit restriction on your account. It's unscrupulous.

I had several bills to be paid on the 3rd and others to be paid after October 10, 2012 when I would receive another deposit into my account. My account showed $26.00 and there should have been approximately $250.00. They paid the bills I had scheduled for the 3rd on the 3rd and also paid a bill I had scheduled to be paid on October 15, 2012 paid on October 2nd when I had just $0.62 in my account. When I called customer service, the rep said the bill was due to be paid on the 2nd. I had reached my breaking point with this bank and was not accepting his lie and told him so. He called online banking to check and told me this, “Oh, yeah, you did have it set up to be paid on the 15th, but you changed the date.” No, I did not. I will get every dollar they have ever stolen from me. Mark my words, SunTrust: karma is one ** who always gets her man!

This is a business card and we have several recurring expenses that go in it each month. We have always had fund to cover any charge and have never had a problem with the way the checks were made out. According to our CPA, the check needs to be as we have been writing them. But Suntrust now says they need to be made out to me personally, even though the name of the company is on the account! Suntrust is not trustworthy! Neither are they customer-oriented. Never bank with them! Although there are some good people who work there, when people like Jeff ** and Shannon ** interfere into the lives of others just to prop up their self-righteousness, it shames the entire organization!

Suntrust did an investigation and simply said we did it. They do not provide any picture to prove it was us, just their say so. My wife's company has provided us with GPS locations of the times in question, and she wasn't even in the same town on 80 percent of them. Suntrust is nothing but a bunch of lying, greedy corporate thieves; and they do not want to honor the zero liability policy, because it will hurt their bottom line. I am not surprised to see so many upset people here complaining. They are the worst bank I have ever dealt with. I will be persistent, and before it's over, I will get my money back or they will lose this much in lost customers. Spread the message: Do not bank with Suntrust, unless you want your money stolen and not returned.

I started banking at another branch and was treated so professionally by a young service representative, and he was a pleasure to deal with. Today, I was in the bank and asked to speak to the branch manager. I was told to have a seat and wait until she got off the phone. She spoke to another employee of the bank and told me she didn’t have time to see me! I was told to come back tomorrow. All I wanted to do was tell her what a nice young man she had at the teller line and what a pleasure he was to deal with! What a shame. I have been with Suntrust for 17 years and now I am going to another bank. How can anyone treat a customer like this is beyond me. The young man I was going to praise is Brandon **, and the branch manager who refused to see me was Melissa **, VP Branch Manager.

Today, I was told to not go by what online banking says and that their screen is different than what we see and you cannot go by that balance. So here is the question: Why have online banking if it is no good to me but good for you to get the overdrafts? I am closing my accounts with them, and I will never use them again and may just go back to what my father has always said, "Cash only." Banks only want to use you to get the fees. I am here to say "leave Suntrust and run far away from them. They are the worst bank around."

However, sometimes it's convenient for me to use the Kroger location in Fountain City because I can shop and then make a deposit. But now I won't make a deposit there. If I have to, I'll make another stop to go to one of the other locations. The Kroger Fountain City location said that ST will not equip them with the necessary tools they need to handle quarters. The last time I went there I only took 10 rolls and they can be counted in less than 5 minutes. But again, they start giving me a hard time. It's horrible to need to make a deposit and fear the trip to the bank. Again, my highest regards to the girls at the Fountain City, Tazewell Pike locations. They work so well together and help each other out with customer's transactions. You don't see this kind of teamwork anymore. They make me feel comfortable and I really wish ST could do a little something special for them.

I would wake up in the morning and see 4 or 5 penalty fees totaling $105 or greatly far too often. Complaining was useless. Instead of them simply clearing things that funding was available for (again, like BB&T does), they would give you their song and dance that this payment came in first that day thus, taking your account over then "conveniently", these other payments came in. Thus you being charged overdrafts for each. Ridiculous. There should be laws against this. If a class action suit is taking place, I would be happy to sign up. I am certain I have paid Suntrust well over $20,000.00 in penalty fees.

As a single, 40-hour working mother of a nine month old baby, this is my only source of income and how they were so unhelpful to get my own pay check is appalling. I never touched any of the fraudulent funds and was a victim of a scam. So I am going tomorrow and I am not leaving until they release my own ** money. So be it if they have to call the police, I am going to tell the police how crooked and how they are stealing my money. Hope they are ready now to give me my money. Now, I may never be able to open another account, not that I have any trust in any bank. I ** sure don't in Suntrust!

Then shortly after, I was charged for these crooked, loan sharking, nothing short of pirate-like business dealings. I owe them $50.00 no more! I will pay back $50.00. No more. I do understand now that this is the norm for legal theft by bank, but I'm not paying for it. Not to mention, they caused me numerous denials for bank accounts services. I need it to end now! In Jesus name!

Every time I call customer support, they want these two items to help me. I went in circles, trying to get any help from them. I finally managed to figure out the balance on the card 2 weeks ago--a little over $3. Then today, I tried to use it, and it was less than a $1. Oh, and the real kicker that made me angry was I need to use the exact balance on the item I purchase to use it! Talk about inconvenience. What a waste of money and time. The whole card is a plain scam: charges to open it, charges for having it and not using it within 12 months, and you cannot use it unless it is the exact amount. I will never use Suntrust for anything or use anything associated with them.

Long story short, my wallet was stolen and someone, possibly a co-worker, withdrew money out of my account. I have never entered in the first P.I.N. at the opening of an account. I've banked in at least three other different banks and they always mailed me the starting P.I.N. If SunTrust Bank had done this procedure, there would have been less chance of my debit card being improperly used. SunTrust should improve their banking technique so simple problems like this can be avoided. Problems will happen, but it will be less problems if SunTrust Bank would catch up with the 21st century.

Why did they sell me a worthless card? Why will they not refund my money? For a bank that states they appreciate your business, they show that they do not. In summary, they sold a worthless piece of plastic and now refused to refund any money for it.

Now, there are several other overdraft charges because of this, even though there was $445 deposited during this time frame and my account is still negative over $300 and climbing with every little fee they can find. My account should not be negative, which leaves me feeling like my bank is robbing me. My only course of action left is to close the account and start over somewhere else. I've never hated anything or anybody before. First time for everything.

I am unsure as to why I am being punished for following the directions given to me by a Suntrust employee or why Suntrust is unwilling to make it right.

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.

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.

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!

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 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 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".

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.

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.

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.

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.

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 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."

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!

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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 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.

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!

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.

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.

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 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 dollares 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.

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 fraudulently 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.

They also applied the wire fees and the balance goes negative up. They applied the coming in wire amount and the negative balance dropped down, but remained negative. Then, they applied another $36 fee for the negative balance they created. Now, here is the drill! A few days later, I walked in the branch store and deposited cash. Nobody dared to tell me that I have a negative balance. I was "sleeping" well because I couldn't imagine their sneaky techniques. That resulted another 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 record, all this took place on 5/25/2010 at SunTrust branch in Publix with players of the game--the counter manager, Maggie ** and branch manager, Kevin **, who has a filthy habit. When we walked 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 **. She was amazing although she was not in charge of the certain branch store. She speaks very little, but in 20 minutes, the right district manager, Daniel **, 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 **, Daniel **, and Chastidy and they take care of the mess that managers like Kevin ** and his crew create. I mean, I am sorry, but I am a mathematician. Kevin ** probably knows less than me in ordinary math and numbers. There I am with a print out of all the transactions, speaking simple logic, and I have this guy telling me over and over, 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 **, called me on 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 okay." Well, suddenly the door-guy, Kevin **, 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 that he was unprofessional! For the second time, he persisted on interrogating me if I reported that he was unprofessional. 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, you gave me the wire amount although it was not available just so to create a negative balance and charge me with fees. You lied to me on purpose, telling me that I have this amount available. On the second time, when I walked in 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. Something was going on in his mouth, at which point, I decided not to give more time to croak sounds, and I finished the call by saying, "Thank you for your call, sir!" Aren't these two incidents alone unprofessional, yes or not? What a low level freak!

But again, other than that, I feel that I should reward SunTrust in continuing to do business, although I had decided to take my fees back and walk. But I think that's not fair. Daniel ** 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.

One month later on 6/14/10, I receive a letter from the bank stating that they closed my account! I immediately contacted the Claims Dept again, this time speaking with a young lady. She turned to someone in Recovery and they tell her that I'm lying. No one could have told me that, but indeed they did! She then went on to say that 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 at $36 each! I was charged weekly overdraft fees even after I had submitted the dispute!

We got set up with a loan modification. What a joke. They put us on a forbearance 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, Februrary, 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 forbearance 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 foreclosure. I called again, I was told we were still in the loss mitigation 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 postpone the Sherrif sale, I went to the Sherrif sale because I did not believe a word Sun Trust 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 mislead them, take advantage of decent, honest hard working people. Shame on you!

On another occasion, and is even more drastic than the frivolous NSF charges, that strong arm from you is the fact that the manager of the main branch had lost a deposit of $7,688.54 and it took them 13 days to find their mistake! But did they give me any credits for the interest that accrued over that period? No, they only said it was an internal issue at the headquarters. Sorry about your bad luck, is all they said to me, and now they double charged my account for being over drawn for $1.29. This is unfair practices with long time customers and is the reason why I am going to switch to a more customer friendlier banking institution! Please think twice before opening any account with them. It's written in very, very small print and is hidden in confusing wording, so the layman can't understand what is going to happen to his money, if he makes one little error on his balance figures!

We were 1 day late and certainly within the grace period, but they still called harassing us, One time, they had two of their collectors come to my wife's door to verify our info. My wife was shocked. I had several car loans before and never was I treated like this. Needless to say, I got rid of them quick. We refinanced through RateGenius and got our payments lowered and lower interest rate from 12% to 6%. Awesome! SunTrust sucks and can kiss it where the sun don't shine! LOL

I sent this to them via USPS express mail on May 4, 2010. I have a confirmation you have received this package on May 7th (I send everything with receipt confirmation). I then learned they reported me as 30 days past due to the credit bureaus. I have never been late in my life. I contacted them and they apologized. I was told a letter of corrections would be sent to the credit bureaus. I followed up and they said it had been sent. So I asked for a copy of this letter. I am then informed they had not sent it and I needed to sign the Alt Modification that was sent to me.

One hand says I am late while the other hand collects my payments on time. They send me documents in error then ask me to shred them (I have not shredded any documents. I am keeping everything so I can prove their negligence in handling my modification). I believe this is intentional. It would only benefit them if I sign the Alt Mod papers with the increasing rates. I believe they are playing the numbers game. They are hoping many people think they no longer qualify and just sign the papers.

SunTrust Mortgage has no integrity. They intentionally do not put notes into the system so you are caught in this trap of going around in circles. They lie, cheat and ruin your credit without any concern. I recommend any communication with this company is done on their website secure webmail. This way you can print the emails sent back and forth with their company logos and date stamps. I went from a 755 credit score 6 months ago to a 600 score due to fraudulent reporting to the credit bureaus. I have proof. I don't want a class action. I want to sue them outright!

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 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.

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?

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.

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.

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.

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.

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.

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.

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?

Now, the 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 jeopardy and we will be responsible for high taxes all because of the bank taking too long to respond.