Truist Reviews

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.

This is not right. I sent me a letter to an old address which was never forwarded to me back in 1999 when this action was taken; they never certified the mail or anything, but sent it via US mail and they now tried the same thing when they sent me this garnish mail (this too was sent via US mail just so I would not get it). SunTrust’s tactic of using this method of getting back at customers is not right. I agree with the other customers who wrote they are supposed to be for you, but they are not. I would not ever recommend someone to use that back ever.

Firstly, this company did not remove my formal checking account (debit card) information from its database when I informed it about my Suntrust checking accounting (debit card) information. Secondly, it purposely classified the upgrade as being a separate (second) account. Whatever the situation is, it caused a removal of $23.98 from my checking account when it only should have been removed $11.99. It does not stop here. The true story continues. On this same day, I made a quick deposit to cover the negative balance. I went to the main branch location (Court Street) in Florence, Alabama to discuss this matter with a lady with the first name Donna. I explained this situation to her to the best I could and I had credible evidence to vouch my verbal statement.

She acted like she did not care at all, including viewing my proof. I even brought up the factor about possible identity theft, but she did not acknowledge that statement. Her solutions could not even come close to resolve this situation. Firstly, she suggested I could pay a $36.00 stop payment fee after I made the request to stop accepting all charges from AOL. Secondly, she told me to call AOL about this matter after AOL told me to contact my financial institution about this matter. Thirdly, she suggested giving this situation one additional month to discover if a double AOL withdrawal occurs. If it does occur, I can dispute one of the charges, which mean I will still be out $23.98 and/or $35.97. Either way I turn, I am stuck in the middle of no way out. This is ludicrous.

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

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

I asked how they could just take a payment without my authorization; the girl said that it was written in a brochure that would have been given me when I opened up my checking account. I've had my account since they were Crestar and have never heard of such a thing. I asked to have the money mistakenly taken for August's payment returned because I could be in danger of overdraft charges. Her supervisor refused. I have filed a complaint with the national reserve. They never informed me they could just take my money. They took money for a payment that wasn't even due yet. And as a result, they have put me in a situation where they can now collect overdraft charges on my account. My checking account is now short over $500 and almost has a zero balance. I have other bills that are automatically deducted which are in danger of being returned and I will be charged overdraft fees.

I feel violated because I opened a line to them to get it paid off in full, and to my surprise they did everything possible to work against me. I do not feel this is right and I do not want to pay for a repo representative’s fees, towing or storage, let alone the 7 years of a repo that will be on my credit report. I tried to work with SunTrust Bank to no avail. Now, they just made matters worse and on purpose. I thought banks were to work with consumers and have "good faith" and not work against them.

On February 18, 2009, we received a letter from Suntrust, "You will receive a phone call." The letter outlined all of the information we needed to submit back to Suntrust Mortgage. We faxed all of the paperwork requested from Kinkos at a cost of $55. The telephone call never came. On March 12, 2009, we initiated a telephone call and spoke with Nancy and Philip. We were informed that Jessica ** was assigned to our mitigation request. We were informed that we can expect a call from Jessica on or around 3/24/09. The telephone call never came.

On March 27, 2009, we initiated a call to customer service. We asked customer service to send Jessica ** an e-mail to ask her to call us on March 30, 2009 We also left a voicemail for Jessica ** to call us on March 30, 2009 at 1 pm. The call or e-mail never came to us. On April 6, 2009, we initiated a call to Brice ** in customer service department. She advised us that Suntrust Mortgage company didn't have our request on file any longer. Our request had been deleted. Brice couldn't find the fax we submitted on February 18, 2009 either. We had to start the whole process all over again.

On April 6, 2009, I asked Brice to transfer me to a supervisor. She transferred me to Keisha's voicemail. Keisha's voicemail said she would be away from the office until April 13, 2009. We left a message but did not get a call back. We initiated another call to customer service department and spoke with Debra who compassionately waited on the line until we were connected with a supervisor. We spoke live with supervisor, Michele **. Michele ** asked me to send the requested information again but this time directly to her. We faxed 99 pages, (that same day). The fax took 31 minutes and 7 seconds. Confirmation of fax successfully sent was at 5:37pm.

On approximately May 11, 2009, we called Michele ** at Suntrust Mortgage. She could not find our 99-page fax. "Sometimes our documents get stuck in the mail room for long periods of time." On May 12, 2009, we re-submitted our information for a third time. We sent it by e-mail with 102 document pages. On May 15, 2009, we sent an e-mail to Michele ** asking her if she had received our e-mail. The e-mail also stated that we were very disappointed with her and Suntrust Mortgage. On May 18, 2009, we received an e-mail from Michele ** of Suntrust Mortgage. The e-mail reads, "I have not received the financial package. Thanks, Michele"

We submitted our information to Suntrust Mortgage for the 4th time. We sent an e-mail to **@**.com with 102 document pages. We received a response by e-mail from Michele ** of SunTrust Mortgage, "I received all the documents but your financial form, you need to complete it and fax it back. We need to have a list of all your monthly expenses." On May 19, 2009, we submitted the information as requested by Michele ** and sent it by e-mail. On May 28, 2009, we sent an inquiring e-mail. We asked her if our request was in process. We did not hear back from Michele.

On May 29, 2009, we received a form letter from Suntrust Mortgage. The letter was dated May 19, 2009 and it said they thoroughly reviewed our financial information and they were unable to assist us at this time. The letter was unsigned. Here is the bottom line for us: I have Leukemia and was requesting some assistance. Your plan is only for homeowners who hadn't missed any payments. We did everything Suntrust asked us to do and we did it four different times. The tax returns and other financial information we sent was lost three times. (Identity theft). Our issue is not about their decision but the lack of business ethics from both management and customer service. Suntrust Mortgage also showed us a lack of response and has a high disregard for sensitive documents.

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

On Tuesday, October 14th, we went and saw a different loan officer in a different location, who told us that when we locked into our rate, we also locked into the loan that Mary ** promised us. She said something about this didn't sound right and she would contact the regional manager immediately as she knew our lock-in was up the next day. She told us if we didn't hear from the regional manager, Debbie **, that night, to call her in the morning.

That evening (Tuesday October 14th) Mary ** called us to remind us that our lock-in was expiring the next day and to ask us what we wanted to do. We told her we wanted the loan that was quoted to us in the beginning. She said that was not possible and that we should just take the new loan, since it was better than the loan we had now. It was like she purposely put everything off until the last minute, in hopes that we would take the bait feeling as though we had no other option.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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