SunTrust Banks
Reviews and Complaints

As outlined in the information below, our account with Sun Trust Bank was paid off in May of 2015. The title to our vehicle was to be transferred to "Pentagon Federal Credit Union (PFCU) in the month of May 2015, that has not happened to date. I have on numerous occasions called and talked to different bank representatives and bank officers who all have promised that the lien will be transferred. I spoke with a bank officer in July 2015 who gave me a lien satisfaction confirmation number (5834986) and he assured me that the lien would be transferred in 3-5 days. On September 11, 2015 I went to the Maryland, MVA and I was told that the lien for my vehicle is still in the name of Sun Trust Bank, this is four months after the account was paid off. On 11 September 2015, I spoke with a Sun Trust Bank bank representative and it was acknowledged that the lien was still in the name of Sun Trust Bank, once again I was assured that in 3-5 business days the lien will be transferred to Pentagon Federal Credit Union. During this most recent conversation I was given another reference number: 5983238. Please, transferred of the title to the PFCU is all that I want.

Information:
Pokhui Lewis
Billy Lewis, Jr
11718 Backus Dr
Bowie, MD 20720

Re: SunTrust Account ending in: 0443
VIN: YV4902RC3F2621470
Vehicle: 2015 Volvo XC60

"Your account was paid off and closed with us 05/11/2015"

v/r

Billy Lewis, Jr.

My previous insurance company made more than one mistakes calculating the escrow for my mortgage. One time they under calculated the escrow for taxes after I paid (i always paid early) the bill and applied the over payment to the principle, which I never got refunded from the escrow and was in the triple digits. When they sold the mortgage to another company (SunTrust Mortgage), I breathed a sigh of relief.
Now this company is making mistakes also. First they over payed my condo insurance by over $1600 dollars. I had to deposit the refund and send the money back to Suntrust. Aside from worrying they would apply it to the principle, no issue as mistakes happen. Because of the that they had to re-analyze my account by their Escrow Department. Instead of $941 per month that properly pays and adds up to the the correct amount of principle, interest, taxes, and condo insurance on a monthly basis, they calculated my new payment at $880 and sent me a $670 escrow refund. Here is my correspondence in reverse order:

Thank you for contacting SunTrust Mortgage.
Your scheduled analysis is due to occur in September 2015.
Please be advised that the surplus in your escrow account was refunded to you in mail on May 28, 2015. You will receive the refund within 5 to 7 business days.
I hope this information proves helpful. If you have any additional questions or comments, please feel free to contact us. We look forward to satisfying your financial needs.
Sincerely,

--Original Message--
From: [protected]@customercare.suntrust.com
Date: 6/8/2015 10:19:58 PM
To: [protected]@suntrust.com
Subject: RE: RE: RE: Re: Payment Questions/Information [#2935753]

I looked over the analysis by your Escrow Department. From my information, my taxes are $247.67 per month ($2972/12) not $186.33 per month ($55.01 + $131.32). Could you please send me a copy of the aforementioned analysis or let me know if I am correct? Also the issue of you sending a $670.36 escrow refund check will need to be addressed.

Thanks for your time

--Original Message--
From: [protected]@customercare.suntrust.com
Date: Thu 05/21/2015 02:56:02 PM
To: [protected]@suntrust.com
Subject: RE: RE: Re: Payment Questions/Information [#2935753]

Thank you for contacting SunTrust Mortgage.
The Escrow Department will review your escrow analysis request by May 29, 2015. We appreciate your patience.
We look forward to satisfying your financial needs.
Sincerely,

Look, I just want a smooth process and do not want to have a huge bill after they re analyze in September. Would I go to an accountant to get the payments to where they are supposed to be?

Thanks for your time

John

OK..here it goes...I have been a victim of major identity theft to the point where I couldn't answer one single question about myself while trying to do my annual credit report. I was at the end of a law suit and needed a bank account to put the money in and fast as it came to an end faster then expected. My 92 yr old grandmother has had an account with Sun Trust for as long as I can remember, so I went there (keep in mind that after finding out of the identity theft that I reported to every place possible and not being allowed to open an account anywhere I tried because of this person/or persons getting accounts EVERYWHERE in my name and leaving them bad I tried there) anyways, I went in to this local branch in Port Orange, Fl. and sat down with the account specialist I explained the ENTIRE situation to him and offered him any and all reports made to show the accuracy of what I was saying, he said lets see what it says when we try the opening process, I agreed and we got half way through and it stopped him giving him a number to call in which he did as I sat right in front of him, the person on the other end of the phone told him that all they needed was a second form of ID from me to prove who I was I was happy to give them this because I felt as though they actually cared about my situation and payed attention to what my credit report was saying to do. I got the all clear to open the account, however he said if I gave them the check it could take 7-14 days to clear (which is understandable) but I needed a portion of it right away due to bills that needed to be paid at that time, so I decided to take the check elsewhere to cash it and just put in the cash after I had taken out what was needed for bills. The next morning I brought in $5, 500 in CASH to make the initial deposit. He took all the cash I had given him, he gave me a receipt that stated it was a $5, 500 CASH deposit, he proceeded to start the enrollment process for online banking and then stopped and told me that I needed to finish the rest at home, thought it was strange but agreed and went on my way, as I started thinking back to everything I realized that no copies of my drivers lic. where made and I didn't remember signing anything, it was my mothers birthday and honestly after I handed over the cash he rushed me out the door. Later that day I tried to finish up the online banking and it kept giving me the same error message "at least one of the information I was giving didn't match their records" so before calling I looked back at the paperwork that I was given and NOT ONE page had anything with my name on it nor signature, I tried calling the number on the card he gave me and it was disconnected but did give me the correct one at the end of the recording, I spoke with Charles who opened my account and I told him that I couldn't access the online banking and he said I'll send you another security link and to try that, again I agreed and NOPE that didn't work either. I needed to get a little more money out anyways and could only do that at the branch personally being that I didn't have a card yet. When I got there first thing he asked was if I was able to access it I told him no but that I also needed to withdraw some money, he ignored that I had even said that and went straight into the account and said he needed to make another phone call, he gets off the phone with a very weird look on his face and his entire attitude towards me changed, he proceeded to tell me that my account was frozen and the only thing that I was allowed to do with the account was to deposit money, and that I was on a NO DEBIT status, I immediately panicked and started asking questions as to why to why this was happening? I told him that I just wanted to take a little out being that once they close for the day I had no access to get any, he got up and went into the branch managers office and came back and said no, no funds are being released to you at this time. I started crying in fear of this identity theft again being that no one would give me any information, he went back to the manager and she came behind him and said to me WHAT IS IT THAT YOU WANT? At this point I said all of it and I want to close this account, she turned around to the tellers working in there and told them to shut their tills down being that at this point I had been there until closing, she looked at me and so go drive over to the drive thru and get your money. I was relieved thinking I was able to end this just started nightmare, haha the joke was on me, I get over there and this one teller was there and told me I had to sign this paper where she hand drew an " X " with a line next to it to receive my money and when I looked at it, it didn't even say SUN TRUST on it it was just a computer print out on carbon paper I asked what that was for and she said that because it was so late that she had to do it that way. I signed it and sent it back to her she sends me out money falling out of the envelope and NO RECEIPT I asked her for a copy of what I just signed and she refused me and walked away. My daughter who is 18 years old and has been with me at every visit from the start of this mess counted the money and said mom theres only $2500 here, I recounted it and yep that's all there was, I tried to get this woman to come back and she ignored me completely, being that the branch was closed and unattached to the drive thru the only thing left to do was call, no one would give me any answers as to why any of this was happening with MY MONEY, so the next day I went back to the branch with my daughter wanting answers, no one would talk to me besides a man who was totally rude and told me that the FRAUD dept refused to release my money to me, I wanted the corporate number which he was reluctant to give me but finally did but refused to give me the fraud dept number claiming that customers are not allowed to call that dept, I again started crying and the branch manager looked at me and started laughing, without making a scene I went outside and called the number I was given and ended up speaking with a regular rep who told me my balance was only $500.00 and that there was 2 $2, 500 transactions which WAS NOT TRUE, with this woman on the phone I went back inside and asked Warren the rude guy what she was talking about and he said in exact words that's not true she doesn't know what shes talking about. I told the woman on the phone that this isn't her fault and that it was nothing against her but that I needed to speak to a supervisor, yeah I got this man on the phone who was just as rude as the people in the branch, he proceeded to tell me that I was under investigation, I said INVESTIGATION? FOR WHAT? He claimed that he couldn't give me any information, not knowing what else to do I called the local police to the branch, they told me that its a civil matter but that this is not the first time this has happened. The man on the phone changed his story of me being investigated to my account is under review and going to be closed by the fraud department and that I could go and get a cashiers check from inside, I went back in to warren and the man who opened my account was coming out from the back and when he saw me he took off back to the back again not returning, I told Warren that I was told to get a cashiers check for the remaining balance that is supposed to be $3, 000 and he said yes your balance is $3, 000 but that I can NOT have a cashiers check and if in 10 days if there is any money left due to me I'll get a check in the mail along with a paper explaining why my account was being closed. I left and went home and by this point was so mad that I called back again, I was then accused of passing a fraudulent check for my initial deposit...I DIDNT GIVE A CHECK IT WAS CASH, I have a receipt showing this, then I was accused of passing fake money as my deposit, then they went as far as to accuse me of stealing the money to deposit, I told them that I could produce the check stub, the law suit papers, and the place and all the paperwork from where I cashed the check, nope once again not good enough, I was told the fraud dept. was closed at that time but OH WAIT I got lucky there was one person left still there from that dept. OK, so the person who was supposed to be from that department claimed I had a case already opened that I should already be aware of, I told her no I'm unaware please enlighten me, she said I don't have any information on what is going on but call the fraud dept. Monday they should be able to tell you, then made the mistake of saying that she is a rep just like the other lady and that they don't have that kind of information, so there was another lie she wasn't the fraud dept. at all. So...not only have I been lied to, accused of all kinds of illegal things, embarrassed in the branch, but they made me feel like I was a criminal because that's the way I was treated. Sad to say that just coming out of a long drawn out terrible law suit I'm now entering into another. Oh and a word of advice besides the obvious don't bother to read their regulations on deposit accounts handbook because they will tell you when you read them what it says and it proves you right that you must have been given an old version, well I flipped it over and WOW there it was the date that it was revised 2014 couldn't be to old. STAY AWAY FROM SUN TRUST THEY WILL ROB YOU!

SunTrust really sucks. They misrepresent the job when they interview people, In at least one branch, racism is rampant towards non black employees. Complaints to the HR department only result in the matter being covered up and not dealt with.

Eventually they fire most people for reasons NOT part of the job description, or what any rational thinking person would consider is a main part of the job.

If you are an African American, you can get away with almost anything, over and over and over again. Hurling racial epithets within the hearing of other employees is never dealt with, Threats to KILL other employees are never written up even when they occur more than once. Human resources is no help because they will pretend to do something but sweep it under the rug because acknowledging such things would open them up to lawsuits.

If you are not African American they look for reasons to fire you, when none exist they dream some up. Apparently they think EVERY position is primarily a marketing position, But they don't want to pay marketing wages. This is never disclosed to applicants that they will be terminated if they don't meet sales goals. Its also never disclosed those requirements are not applied to every ethnic group equally. They also do NOT provide any real training for sales. And apparently to them every position is a sales position first, irregardless of the job title or job description...they just don't pay outside marketing to be a sales person.

When they fire you, which they will do to most people eventually. If you are White Asian or Hispanic...they will fight tooth and nail to prevent you from getting the unemployment benefits you are entitled to.

I was a customer of this bank for over 20 years, I had significant deposits there...and I am in the process of moving EVERYTHING to another bank.

I would normally just move everything but I felt a need to tell others due to the vindictive, aggressive nature of management and others at this company towards its employees, which is even worse towards ex-employees..

I have had an account with Suntrust for a number of years for a number of years ( at least 7). When I first opened my account there were no monthly service fee. A couple of years ago I started getting negative balances when my account was hit with a non consistent service charge. On this last occurrence I had 25.00 in a checking account, I spent some of that but left a small amount in there as to not have a zero balance. The next day I get a text that says my account is - $2.50. Then they attached a 36.00 charge onto that. If I don't remedy this it will cost me an additional 36.00 extended overdraft totalling $76.50. This is not the first time that this has happened. I have had instances where the service fee will be whatever is left in the account. For example in one instance the service fee charge was 1 dollar and something. I am going to close this account because I can't get a sound reason as to why the fee fluctuates, why it is not charged every month (as I was told one time that it will be while addressing this same issue) and the timing of said fee occurs when it stands to profit the bank. I am a loyal customer that to this day has attempted to comply with these strange and unexpected fees that over the years have cost me somewhere in the thousands. I don't know that this will help anyone else but I think Suntrust is out of touch with many of the people in the community that it services who may not have huge amounts of money to deposit. We get exploited and drowned in fees that eventually will inflame me to dispute and refuse to pay resulting in negative credit at the hands of a fee tyrant.

Suntrust instead of taking the checks as they come in.
Uses a program that maximizes the amount of fees they charge.
I had a small amount overdrawn in my account I knew after
My mortgage cleared I would be assessed a 36 dollar fee.
Instead of paying a few small charges that came in first
They paid the mortgage first then charged me for
6 or 7 nsfs at 36 apiece. Then they had the gall
To charge me a continued overdraft fee of another
36 dollars . By the time they were done we were
Charged over 200 dollars. This has gone on several times
They do not pay checks as they come in they hold
Them pending for several days hoping for you
To over extend by thinking you still have money.
I tried talking to them but get foreign customer service
I have been a customer for over 10 years and have several
Direct deposits. This is border line criminal since the checks should be paid as they
Come in not when suntrust decides. Please check into
This I feel like they are taking advantage of everyday
Customers and using these fees to bonus their CEOs

I have gotten misleading information about how to cancel my debit card when I attempted to cancel a card due to identity theft, they did not tell me to change the card number and pin number to prevent any unaurhorized transactions, but instead had me change only the card number which meant the old card wad still linked. This lack if accurate information from Suntrust customer service reps caused my card to continue to be charged automatically by merchants when I was told the unauthorized transactions would stop. I continued to be charged which resulted in overdraft fees over $400. They refused to refund the fees and this was an issue due to their lack of communication with me on canceling my debit card.
The unfair practices, fraudulent overdraft schemes, and lack of customer service does not stop there. They have always reordered transactions, on online banking it shows an item as posted, the next day it will show the item as pending and it will remain pending for a week or actuslly disappear from online banking while other transactions post and I would continuously collect overdraft fees each day for the pending items that were once shown as posted. I am always told they let the higher amounts post first but I get charged $36 overdraft fees for $5 or less transactions made the week prior. They claimed the merchant hasn't cleared the items. These types of underhanded bank schemes caused me about $200 or more in overdraft fees each month depending on suntrust online banking's help with listing my transactions. It's unfair and they will refuse to work with you to resolve any matters. I now have a recurring cycle of overdraft fees and now that I finally changed my card, I an refusing to make a deposit in the account because they find a way to take my money every time.

I would never recommend Sun Trust Bank to anyone. Their overdraft fees are inflated, excessive and unfair.

I had an overdraft of $10.00 and was charged the $36.00 overdraft fee. I am on disability and only get paid monthly. I transferred from another account the $10.00 to cover this. They have since assessed me two more overdraft fees of $36.00 each. My account is now over $100.00 in deficit. I have emailed them in vain and this last time explained that I would be covering the original amount but am refusing to pay their inflated, unfair overdraft fees and have requested close of my account. I have explained that I am on disability and therefore, a limited income.

I have had a checking account with Sun Trust (formerly Crestar) since l990. In 22 years, I have never overdrawn my account, been late on, or missed any credit card payments. My Sun Trust VISA card had expired and I went to re-activate it. I was denied, the excuse was that the credit card company no longer did business with Sun Trust. A couple of years later, I re-applied for a new Sun Trust credit card and was denied because of "income to debt ratio" which is weird because I pay off the balances of my other cards every month in full. I am a Federal Government retiree with a monthly pension as well as Social Security disability income every month. I went to two different Sun Trust branches and spoke with the managers on duty, who said they could and would personally help me with a credit card application. Even they couldn't do anything..I got two different rejection letters. The only reason I haven't closed my accounts at Sun Trust yet is because the Federal Government takes about 2 months to switch direct deposit if you change bank accounts. But by the end of September, everything will be changed over and I will be happy to walk into Sun Trust and pull all my money out..and at the same time, show them the new Bank of America credit card I received without even having an account there.

When calling to get information on the possibility of refinancing my 1st mortgage (which is underwater) under one of the new government programs, SunTrust has set their phone system up to deter borrowers. After inputting identifying information, I am met with a recording that simply says "Due to the government's release of the Making Home Affordable Act, we are experiencing unprecedented call volume..." shortly thereafter, I am automatically hung-up on. Each time I call, I cannot get anyone on the phone; I wonder if the system deliberately discriminates based on geographic location as one has to enter a ZIP code before moving onto the menus?

Okay, this is complaint is target really against 3 different co conspirators: Suntrust Mortgage, Zenta, and Accenture Credit Services. Here is the interplay: I worked for an "outsource" company by the name of Zenta, that was taken over Jan 1, 2012 by Accenture Credit Services and I was dedicated to working on SunTrust Mortgage underwriting account. I mention Suntrust Mortgage because, I believe, they were to principle "driver" of how we were compensated as mortgage credit underwriters (we are the people that approve or deny your home loan request): we are NOT management people, but simply hired labor BUT Suntrust/Accenture/Zenta ILLEGALLY classified us as exempt from overtime pay while requiring a 55 hour work week.

ZENTA and Accenture Credit Services is s****! As a mortgage underwriter for SunTrust, we were ordered to meet unreasonable production goals- this created the need to work overtime- without pay! There was constantly pressure from our team leader, Janet M Green and Joe Pickett, and Brian Nicholson (Suntrust person in charge of the outsource company vendors) to stay late and come in weekends! THEY PROMISED ME AND EVERYONE WHO WORKS AT ZENTA (NOW ACCENTURE) THAT THEY WOULD NEVER HAVE A WORKLOAD SO GREAT THAT WOULD REQUIRE WORKING PAST FORTY HOURS IN A WEEK! They are such f**** liars and I am in the beginning stages of a federal class action lawsuit for the non-payment of overtime wages. AS MORTGAGE UNDERWRITERS WE ARE NOT MANAGERS! THEY ALL MADE US SIGN A FORM THAT WE AGREED TO BE CALLED "EXEMPT" RATHER THAN NON EXEMPT. WE (MORTGAGE UNDERWRITERS) DID NOT HAVE ANY MANAGEMENT AUTHORITY AT ALL! THEY TOLD US WHEN TO COME IN (BETTER NOT BE A MINUTE PAST 8AM) AND WE CERTAINLY DID NOT MANAGE OR OVERSEE ANYONE. BEING CLASSIFIED AS "EXEMPT" IS WRONG AND ILLEGAL.

A quick note to inform the general public that SunTrust Bank is a snake-in-the-grass banking firm. Had an auto loan with them paid in full and never missed a payment . VG credit rating and when I asked them for a rate quote on a new loan they declined my application with a lame excuse that my credit report contained derogatory information. SunTrust Bank is moldy.

Suntrust is a joke, I have had the unfortunate oppertunity to work with them since my mortage was sold to them by my previous lender. I work in the banking and insurance industry and cannot fathom how they can possibly continue to operate with such evil and sharp tongued representatives. I have sent my payments regularly and no less than twice a year my payment mysteriously will be “lost”. I eventually resorted to making all payments western union and calling while at then counter of western union to ensure suntrust would credit my payment by providing them the MTCN number.

They were livid wih the fact I was onto their game and encouraged me to resume mailing my payments in as it would be much less time consuming and cost effective…of course it would be, but then I would’ve relinqueshed my control over my payments back to them. I would call two and three times a day until they posted the payments… sometimes it would take them a week! I know I offended the representives intelligence on may occasions, ! however when you work for a company such as Suntrust who allows the employees to yell, scream and use profanity at their clients, you obviously don’t hve enough intelligence to handle others homes and financial futures in your hands.

I applied for a modification with them immeditially when the HAMP program was being introduced. I had the documentation into them weeks before the program was available. They claimed to have no knowledge of the process of ow they were supposed to proceed. I had to tel them what the criteria was. I dedicated myself to following up on an insanely routine basis to ensure my modification would be completed. After 18 months and one trial period of payments I was served forclosure papers, keep in mind I never missed a payment and the only late payments were the ones they lost and mysteriously would show up once I would involve an officer at my bank.

After nnearly TWO and A HALF years I finally have my modification completed. I have received a statement for 2 minths in a row! This is more than I have received total in the last 2 years. They hve me calling at this point, however they messed with the wrong person and now realize that I have files and many notebooks documenting every call to them. They initially thought I was lying until i rattled off dates times name and hold times down the second I was on calls with them. Their eyes opened when during the modifcation process-while I was dealing with an especially rude woman- i advised them i can the original mortage broker online withus to assist with documenting their behavior…….

The last laugh will be on them -i will continue to document everything for as long as I have to keep my mortgage with them. They have reported false information since day one to my credit..however I will win and eventually they will be held accountable for their rude, unprofessional…

They are claiming that I did not pay my taxes in 2003 /2004. This is the 1st I have ever been contacted about this and that by their own admission the only time I was supposedly contacted by them was they left a message on my answering machine back in 2003. Note this is almost 10 yrs. ago.They are now refusing to apply my 760. house payment because they are claiming I owe an additional 400. /mo for an escrow acct. Note I pay my own taxes and insurance and even if they payed them which they don't it would cost me 1/2 that. Now because they ar not applying my mortgage payt. they would eventually default my mortgage even though they have received the money.I tried resolving this with them but they still call me all the time. As it was they could not even tell me what this additional $2000 was for even the branch manager could not find out. It took 2 months, since November2011 for them to come up with this 9 yr. old charge. Oh yes I am current on all my bills and always have been. I am not a deadbeat.

I'm a GM for a pretty big corporation and I was shocked by the service provided by Suntrust. As a GM, I know that you must treat all guest nicely and was shocked by Suntrust. They refused to give me singles because I didn't have an account with them, really? Aren't you guys a bank, isn't that what banks do? I walk next door to Well Fargo with no problem. I guess that's why Well Fargo is DOMINATING Suntust. Wells Fargo's exceeds my expectation. Funny how I was litterally going to open an account with Suntrust but now I'm going with Bank of America (I already have an acct with Wells Fargo). Wells Fargo didn't ask "Do You have an acct with us?" because they know they are a bank and banks give out change. As a customer I don't give a rats a$$ about policies, you are supposed to do what you can to please a customer, I know. The company I work for is number 1 in my field, we have been #1 since 1993. We will do whatever it takes to please a guest because we know if we said "oh, that's the policy" that the guest really don't give a [censored]. Suntrust you just lost a customer that would have made your account just that much bigger.

I emailed their team leader numeroustimes david riggs at suntrst bank which he ignored the email agout getting help for my 2nd mort, the next day even though the loan was not due a collection call came in and then the next day the same thing.
Suntrust is going to get an attorney generals compliant against them if they dont stop when I have proof that shows the loan has been paid on time always on the 25th as usual. They instead are trying scare tactics which wont work on me and will only get them in deeper waters. Payment book clearly states pay before 25th this amout and after other amount.
It clearly shows a grace period.

I went into Suntrust on December 29, 2011 to open a Checking Account. AThe Teller opened the account and took my payroll check as my first deposit. The Teller was very attentive and very helpful at that time. She explained to how to setup my online banking and also told me that I would be able to see the deposit online the following day Friday December 30, 2011, but the funds would not be available until Satuday morning December 31, 2011. 

Here's where it gets interesting! Keep in mind I deposited my paycheck. When I received the access code to setup my Online Banking on Friday morning, I was able to get into my account. However, the balance was 0 and the deposit I made the night before with my payroll check was not there. A little puzzled... I contacted the bank and spoke with the Teller that opened my account and explained to her that the deposit from the previous night was not reflected in my account. The Teller was not as attentive and helpful as she was the night before. As a matter of fact, she rushed me off the phone and told me that I would not see the deposit unitl Saturday morning, even though she told me on Thursday that I would see it on Friday. On Saturday morning I tried logging into my Online Banking and received error messages after trying to login 5 times to no avail I contacted the 1-800# for the Onlne Banking Customer Service Dept and the Customer Support person told me that my account was closed on Friday because it did not pass the verification process? I was perplexed and dismayed because I was never told by the teller that such a process existed and you would think that something like that would come up while your opening the account at the Branch, not 2 days later. Not to mention I never received a phone call or email stating that Suntrust had closed the account for whatever reason. 

Okay peolple... I'm now LIVID and BROKE on New Years Eve! I just wanted my paycheck back. So I went back to the Branch to get my check back. However, Suntrust gave me the finger once again. I was told that they COULD not release my paycheck or give me any of my money because the "Department" that release said funds was closed until Tuesday, January 2, 2012. I wonder if they will give me back my paycheck with interest. 

It is now January 5th 2012 and I'm still waiting on Suntrust Bank to return my paycheck from 12/29/11. I received nothing... I know one thing for certain, the 2 branches in Douglasville are in need of new management. The branch managers are incompetent.Their customer services skills are non-existing. The Arbor Place, Douglasville, Ga branch manager Andrea Woods is an absolute waste. My husband and I spent an hour in the bank pleading with the Service Rep. For help with our issue, to the point that I was in tears. She walked past us, stood next to us as she was discussing her holiday with one of the other workers. She could clearly hear everything we were saying to the Service Rep., she didn't even acknowledge our situation. Never even offered to assist us in any way. In other words she completey ignored us! Oh yeah! To this day... No letter, no phone call or an email from Suntrust telling me that they closed the account.

BEWARE! THIS IS THE WORST BANK EVER!

I do not live in a state that has a Sun Trust branch. When I purchased my car, they gave me the best rate on my loan. I specifically requested if I had the ability to pay online monthly and they assured me that I did have the ability to make online payments. Well, that simply isn't true. It is only true if you have a local branch and a checking or savings account with them. I can open a checking account with them but have no way to make deposits from afar. If I transfer money from my local bank, it has to be mailed because they do not accept electronic bill pay payments. They only accept SNAIL mail payments. So, if you do not live near a branch, you always have to pay in advance. If you want to pay electronically - they charge you $15 to do it.

Now the best part is this ... they do NOT allow you to may electronic bill pay payments to them but they electronically cash your snail mailed check! I mean honestly, does that even make sense? Even my local bank was miffed because they just wanted to transfer the money to them but they demanded a written check. Once they get the written check, they cash it electronically. If you want to pay electronically, they make you pay $15. And if you want to send mailed payments to your checking account so you can pay your auto loan electronically, you get to pay $7 per month for the checking account.

The only way to avoid fees is to send in advance and pay by mail. Who wants to do that in the year 2011? And if they are going to take the money from you electronically when you send a paper check, why charge $15 to take the same payment over the phone or via online? Because they can ... not a customer friendly bank. Lots of "nice" people who answer the phone but they are not helpful. But in their southern accents they nicely tell you too bad you have to pay and that is all there is to it. Fortunately, my local bank is taking the loan so I no longer have to deal with them. Would NOT recommend them to anyone, They are not user friendly and not current.