SunTrust Banks
Reviews and Complaints

I went to a Suntrust ATM to withdraw some money. The ATM was not acting properly and didnt dispense the cash. I had a check that was waiting to go through, but the merchant was going to cancel the check payment if I made the scheduled payment in cash before they closed, hence, the reason for the ATM withdrawal. I also had some deposits scheduled to come in to my account within the next two or three days. Even though the money was not dispensed from the ATM it still showed up on my account as if it had been. In addition, since I couldn't pay the bill in time the check was put through my account along with other pending transactions, therefore causing an overdraft to my account. The next morning went up to the bank and was told that an investigation would be done. If it turned out in my favor then the money would be credited back to my account along with all the overdraft fees. A week later, the money was returned but the overdraft fees were still there which was still causing my account to be in the negative. Went back to the bank and was told by the same ladies, that since i had tried to take the money out in the first place knowing that the funds were not fully available then the overdraft would still be my fault, despite the fact that I never recieved the ATM withdrawal in the first place. I then had to once again explain that if the money would have been dispensed, the check that caused my account to overdraft would never have posted, therefore never starting the overdraft issue. I also stated that some money was going to be deposited, but seeing that my account was overdrawn by 500.00, there was no way I was going to put that in the bank just so they could snatch it. Once again I was told that my case would be sent to the research department and within 1-2 business days I would have a response, which sounded completely ridiculous to me since I had just finished a review about the ATM mix-up. I am still waiting for an answer but seeing how shady Suntrust is, I already know what to expect.

i called suntrust bank to talk about the cost of having a credit card machine for my business.
they arranged for me to see a merchant services rep she told me all about the costs etc,
i then said i was only wanting a quote from them. she said i could fill out all the paperwork and would wait to hear from me if i wanted to go ahead and have the credit card machine. i decided that the costs were just not worth it for me as i would only be doing a small amount of transactions.
four months later when i had on line banking i noticed there were payment going out of my account to merchant services totalling around $500.
i went to the bank and told them i did not want merchant services so they cancelled them. the bank manager said because four months had elapsed since the charges had been debited they could not give me my money back, he also said they would not charge me the $500 early termination fee. for somethig i didnt want!
he also said that i had received two statemments per month, one for my business and one from merchant services. i have received the business statements but have not received statements for merchant services. if i had received merchant services statements i would have seen this right from the start.

when i used to bank with wachovia my husband and I never went negative. now since we are with suntrust its like ever two weeks we are negative b/c they rearrange our transactions to make us negative and it doesnt matter how much you call and complain or argue they dont budge and are really rude. This is the worst bank ever to work with. We will be switching ASAP. We have lost so much money with this bank. Someone needs to sue this bank!

WE applied for a mortgage back in May 2010. We had gone to Wachovia but they told us that my husband could not get a loan the day we met with them because of time on his new job.. We were told to try Suntrust . We went in and spoke to Jason Bradley. My husband explained he had been out of work for 2 yrs and was recently hired and moving to Chattanooga TN> MR Bradley told my husband no problem we can help. We are a smaller bank and have more ways to get a loan approved. WE believed him. My husband explained over and over again asked him if he was sure, He said he had spoken to an FHA underwriter and she had said no problem.He sent us on our way with a prequalifiaction letter saying my husband was approved. We called every week to check in and give Mr Bradley what he needed as he asked us for information. We found a house and put an offer in on it at the end of April. Bear in mind we had been approved by suntrust back earlier in April when my husband had only been working for 2 weeks. AN FHA loan with 3.5 % down. THe offer was accepted and scheduled to close May 28th... WE had the deposit in escrow and all the inspections done. WE working with Jason and he assures us that there is no problems. My husband asks again, we do not want to pay 400 for an appraisal if we do not qualify for this loan. Again no problem. We ask if he has asked the underwriters if this will happen and he says yes.
We are now at May 27th Call Jason to check in and do not hear back until 4.30 pm and tells us our loan has been denied!
We have talked to two other banks that told us within 24 hours that we would not get a loan unless my husband has been on his job 6 months.
They led us on for 3 months we have incurred so many expenses trying to get a home we were never going to get. I complained but he had no excuses.. Why did it take 3 months for them to tell us 2 days before closing. We would have rented and not incurred the appraisal fees, inspection fees, realtors time and the sellers time. My husband has been in TN for 3 months whilst the rest of us are in NC. We have incurred hundreds of dollars taking trips to TN to look.
The bank gave us no good explanation. They also had some guy in the bank go into our account and take out the 400 for the appraisal fee without authorisation from myself or my husband.
We are so disappointed to be run around for 3 months! NOt good business but they do not care. I asked Jason to speak to his Supervisor but he would not give me that information Said they were looking into it. I called later that day after telling us he would get back to us by the end of that day, when I called he said it might be another few days before his manger can get answers. We still never heard back.

I have never in my life been so mad at a so called “mortgage” company. We are renting a house and the mortgage company Sun Trust is the lender. Or so we all have been told. Me and my large family hadn’t been in this house very long, under a year, when it flooded. All the flooring was ruined, the downstairs ceiling and a closet was ruined all the carpeting in the house, ruined, all the laminate flooring, ruined, tile in the laundry room and upstairs bathroom, ruined, walls, ruined. We had to tear down walls, pull up flooring, and get it dried out so it can be treated with mold killer, which by the way required us to be out of the house.

Bait and switch on refinance. Changed balance due on payoff and the interest rate. Mortgage officer refused to return our calls or explain where the difference came from. Trying to refinance with WF, and have been requesting a HUD form for 6 weeks now: On-line, and have now made 11 phone calls. This is costing us $250 per month over what we should be paying with a re-fi, and now WF wants to fine us $200/week! Never trust SunTrust. They treat veterans terribly.

I opened an account and a week later they closed it without even giving me a reason why. When I called, they said it's per their policy which they didn't bother disclosing to me. Very annoying and unprofessional. Wasted 2 weeks of my time. I had made a money transfer of $3, 500 so it was for the lack of activity for sure.

An infosys employee Ashvini Srivastava at mysore is openly selling suntrust project confidencial files on internet. People are not aware of that. He is so fearless that he has even posted his number openly on facebook and orkut. He gives his name as Ashvini srivastava
Date of birth : Feb 5, 1985
Phone: +91-[protected]
I wonder infosys is not taking any action till now...
May be some of high authorities of Infosys are also involved

I opened a new account with Suntrust a few weeks ago in order to have my tax refund direct deposited into it. The actual refund was for my fiancee' /common law husband (we had been together for about 16 years. I live in Georgia). We have an 11 year old son. My fiancee' passed away last September unexpectedly. He said goodnight, went to bed and never woke up the next morning. He was only 37 and never sick at all. He had always been very healthy. Anyway, He had no will. Georgia law states that all money or property of his goes to his son. I did his taxes through Turbo Tax and filed the proper paperwork with them for the IRS concerning his death and my filing and receiving his tax refund, which all approved (both the Turbo Tax specialists and The IRS). The money was direct deposited into the account on April 1st. I was told by a bank rep that same day, on the phone, that I could use my Suntrust card that day for the entire amount, should I want to purchase anything, pay bills, etc. She told me there was no problem with my using the funds immediately. I chose to wait until Saturday to withdraw money because I needed to pay my rent which was past due. The sheriff had already served me eviction papers. It's been really hard since my fiancee' died. It was unplanned and my son and I were left with less than $10.00 to our names. I have worked and struggled and we've gotten through but never ahead. I knew this tax refund would get us out of the little debt we had and actually put us ahead so that we could stay ahead from here on out. Unfortunately, the asst. manager of the Suntrust Bank at the Publix (her last name is Skeeter or something very similar) I chose to visit decided that I couldn't have the money and put a legal hold on it. Over the next 5 days, she has had me running up to her branch 2 to 3 times each day, and waiting in front of her counter at least for more than a total of 12 hours, has sent me to our county courthouse twice and had me personally bring to her many documents to prove that my fiancee' is dead and that our son belongs to him and more. She knew we were being evicted this Thursday and that I had to have the money by Tuesday night to avoid an additional $200.00 charge on top o the $2044.00 I already owed for rent. She kept dragging her feet and literally lying and making up excuses. I ended up speaking with Suntrust's legal team many times during this period. I told them the Ga. law she was violating and discussed everything else with them about my situation too. They told her to release the money to me on Tuesday. She kept telling me she was waiting on a piece of paper from them first. They told me there was no paper and that she was making that up. They talked to her several times and told her to give me the money but she wouldn't. She told me that the money wasn't mine and that it belonged to my son. She refused to give it to him. She wanted me to prove that I was his guardian even though she had the birth certificate and the genetics test and all. The court said there was no such thing and that she was in violation of Ga. Code 29-3-1 which states that money, property, etc. with a value of $15, 000.00 or less (The tax refund was for a bit over five thousand dollars) belonging to A Deceased person must be turned over immediately to the legal heir...which is my son, Taylor, the deceased's only child. The only proof any person or establishment is allowed to ask for is proof that the heir is the child of the deceased which I provided to the asst. manager in the means of a Georgia State Genetics Test. This Georgia Code states that any person refusing to turn over the money or property is in violation of the law and can be prosecuted. I showed her the actual code printed out to her from the courthouse and she just laughed at it and told me she still wasn't going to do it. I told her that I would prosecute her and she grinned, saying, "Go ahead...call the cops if you want to, you're not getting that money". Finally, after a load of paperwork being provided to her, the legal dept. in Florida telling her she legally had to release that money to me, and my visit to another Suntrust Bank for help (in which they investigated and said there was no legal reason for her to hold the money), she called me and my son into her office where she told me again that she and the main lawyer in Florida decided that the money did belong to my son but that she has decided not to give it to us because it's not my money just to go out and blow. I told her that she was causing us to get evicted from our apt. the following day and she laughed and said, "yes, i told our lawyer that and he says he knows it and that it's unfortunate but that it's TOO BAD." These were her exact words. I told her that I wanted the money sent back to the IRS then so I could just wait for a check and she told me "no" and (these are her exact words) "this money isn't going anywhere. It's gonna stay right here in my bank until I decide what to do with it". I told her she couldn't do that and she pretty much threw us out as she giggled. I'm not joking at all. She literally giggled at us. My son was devastated and I was humiliated. When i got home, I again called the lady who had been helping me on the phone and she said all that was a lie...that their lawyer never said anything like that and that the asst. manager had not even talked to the legal dept. that day as she said she had. They were truly fed up with her and I'm sure you can check this all out with them should you choose to do so. Anyway, after waiting all this time, doing everything the asst. manager asked of me and more, the manager of the same branch told me to wait for a phone call that day in which the money would probably be released. The legal dept. told me that the phone call would consist of her telling me the money had been released and I could come and withdraw it. The lady there said that they actually wanted the asst. manager to have to call and tell me that after all the trouble she had put me through. So, I waited all day long. I'm talking all day. I did call a few times and each time I was told by the branch that the asst. manager couldn't come to the phone but that she said for me to wait by my phone for her call. Finally, at about 6:30, just before that branch was to close, she called me. I was so excited when I got the call. I answered and she told me who she was and all and said, "ok, about your money, I just wanted to let you know that you're not getting a penny of it". i was totally shocked. I actually burst out crying. I told her that I was told that she was to release it. She said she knew all that but that no one was making her do anything and she wasn't giving it to me. She said "all you white people think you can get whatever you want in this world, but I'm going to show you that you can't here at Suntrust". She then hung up on me. Needless to say, I have never seen a penny of the money and when I tried to check on it today, The IRS says they haven't heard anything about it and the people at the 24 hour bank line told me that they had no idea what happened to it and that my account had been closed. I didn't close it and I can't believe that she would have the nerve to close my account on her own and for no reason.
My dad has had an account with Suntrust bank for more than 30 years. He has never had a bounced check or a negative balance and is in very good standing with them. He even offered to come up and sign anything he could to guarantee the money and the transaction himself and this asst. manager laughed at him also and said that "that's not going to help her either. I'm not giving her the money". He told her he was thinking about closing his account because of this and she smirked at him and said, "well, we have lots of other accounts, I'm sure your's closing won't even be noticed, Mr. Williams". How is that to treat a faithful and loyal 30+ year customer?...WOW!...I was never rude to this woman. I never caused trouble at the bank or even let anyone know what was going on during all the time I was going through this. All the times she had me and my son standing there waiting, I never let on to any of the other customers that I was unhappy or having any type of problem. She had no right to treat me the way she did and certainly no right to talk to me the way she chose to either.
Can you believe that on the second day of all of this that she called me on the telephone at my home. I was so excited when my son told me who it was. I thought she was going to tell me that the money had been released. I picked up the phone (all happy and such) and She actually started yelling at me (just like a parent would yell at a child who was being very bad) saying " YOU BETTER NOT CALL THE 1-800 NUMBER AGAIN FOR HELP AND YOU BETTER NOT TRY TO CONTACT THE LEGAL DEPARTMENT AGAIN EITHER". Now, does she have the right to call a customer at home and literally scream at them and then hang up on them. I want you to know that I am just so upset by all this that I don't know what to do. I can't get over it. She ruined our lives and knowingly did so by her own choice. I have emailed James Wells, the President of Suntrust Bank about this but haven't received a reply yet. She just can't get away with this.

Suntrust has repeatedly been pressuring me to "opt in" for overdraft protection. I have repeatedly DECLINED this offer. While checking my checking account online, I found that on 4/28/11 & 5/5/11, Suntrust imposed NSF fees against my account, first at $25 & then $36. I filed an online complaint but Suntrust refuses to reverse these fees. I will be closing the account next week. I also filed a Federal Reserve complaint at the following link and would encourage others to file as well. According to Federal Reserve Rules, The consumer must agree to "opt in" for overdraft protection, the bank cannot do it without the account holders consent. Suntrust has lost my Business for life! http://www.federalreserveconsumerhelp.gov/?District=13

I opened a new account with Suntrust a few weeks ago in order to have my tax refund direct deposited into it. The actual refund was for my fiancee' /common law husband (we had been together for about 16 years. I live in Georgia). We have an 11 year old son. My fiancee' passed away last September unexpectedly. He said goodnight, went to bed and never woke up the next morning. He was only 37 and never sick at all. He had always been very healthy. Anyway, He had no will. Georgia law states that all money or property of his goes to his son. I did his taxes through Turbo Tax and filed the proper paperwork with them for the IRS concerning his death and my filing and receiving his tax refund, which all approved (both the Turbo Tax specialists and The IRS). The money was direct deposited into the account on April 1st. I was told by a bank rep that same day, on the phone, that I could use my Suntrust card that day for the entire amount, should I want to purchase anything, pay bills, etc. She told me there was no problem with my using the funds immediately. I chose to wait until Saturday to withdraw money because I needed to pay my rent which was past due. The sheriff had already served me eviction papers. It's been really hard since my fiancee' died. It was unplanned and my son and I were left with less than $10.00 to our names. I have worked and struggled and we've gotten through but never ahead. I knew this tax refund would get us out of the little debt we had and actually put us ahead so that we could stay ahead from here on out. Unfortunately, the asst. manager of the Suntrust Bank at the Publix (her last name is Skeeter or something very similar) I chose to visit decided that I couldn't have the money and put a legal hold on it. Over the next 5 days, she has had me running up to her branch 2 to 3 times each day, and waiting in front of her counter at least for more than a total of 12 hours, has sent me to our county courthouse twice and had me personally bring to her many documents to prove that my fiancee' is dead and that our son belongs to him and more. She knew we were being evicted this Thursday and that I had to have the money by Tuesday night to avoid an additional $200.00 charge on top o the $2044.00 I already owed for rent. She kept dragging her feet and literally lying and making up excuses. I ended up speaking with Suntrust's legal team many times during this period. I told them the Ga. law she was violating and discussed everything else with them about my situation too. They told her to release the money to me on Tuesday. She kept telling me she was waiting on a piece of paper from them first. They told me there was no paper and that she was making that up. They talked to her several times and told her to give me the money but she wouldn't. She told me that the money wasn't mine and that it belonged to my son. She refused to give it to him. She wanted me to prove that I was his guardian even though she had the birth certificate and the genetics test and all. The court said there was no such thing and that she was in violation of Ga. Code 29-3-1 which states that money, property, etc. with a value of $15, 000.00 or less (The tax refund was for a bit over five thousand dollars) belonging to A Deceased person must be turned over immediately to the legal heir...which is my son, Taylor, the deceased's only child. The only proof any person or establishment is allowed to ask for is proof that the heir is the child of the deceased which I provided to the asst. manager in the means of a Georgia State Genetics Test. This Georgia Code states that any person refusing to turn over the money or property is in violation of the law and can be prosecuted. I showed her the actual code printed out to her from the courthouse and she just laughed at it and told me she still wasn't going to do it. I told her that I would prosecute her and she grinned, saying, "Go ahead...call the cops if you want to, you're not getting that money". Finally, after a load of paperwork being provided to her, the legal dept. in Florida telling her she legally had to release that money to me, and my visit to another Suntrust Bank for help (in which they investigated and said there was no legal reason for her to hold the money), she called me and my son into her office where she told me again that she and the main lawyer in Florida decided that the money did belong to my son but that she has decided not to give it to us because it's not my money just to go out and blow. I told her that she was causing us to get evicted from our apt. the following day and she laughed and said, "yes, i told our lawyer that and he says he knows it and that it's unfortunate but that it's TOO BAD." These were her exact words. I told her that I wanted the money sent back to the IRS then so I could just wait for a check and she told me "no" and (these are her exact words) "this money isn't going anywhere. It's gonna stay right here in my bank until I decide what to do with it". I told her she couldn't do that and she pretty much threw us out as she giggled. I'm not joking at all. She literally giggled at us. My son was devastated and I was humiliated. When i got home, I again called the lady who had been helping me on the phone and she said all that was a lie...that their lawyer never said anything like that and that the asst. manager had not even talked to the legal dept. that day as she said she had. They were truly fed up with her and I'm sure you can check this all out with them should you choose to do so. Anyway, after waiting all this time, doing everything the asst. manager asked of me and more, the manager of the same branch told me to wait for a phone call that day in which the money would probably be released. The legal dept. told me that the phone call would consist of her telling me the money had been released and I could come and withdraw it. The lady there said that they actually wanted the asst. manager to have to call and tell me that after all the trouble she had put me through. So, I waited all day long. I'm talking all day. I did call a few times and each time I was told by the branch that the asst. manager couldn't come to the phone but that she said for me to wait by my phone for her call. Finally, at about 6:30, just before that branch was to close, she called me. I was so excited when I got the call. I answered and she told me who she was and all and said, "ok, about your money, I just wanted to let you know that you're not getting a penny of it". i was totally shocked. I actually burst out crying. I told her that I was told that she was to release it. She said she knew all that but that no one was making her do anything and she wasn't giving it to me. She said "all you white people think you can get whatever you want in this world, but I'm going to show you that you can't here at Suntrust". She then hung up on me. Needless to say, I have never seen a penny of the money and when I tried to check on it today, The IRS says they haven't heard anything about it and the people at the 24 hour bank line told me that they had no idea what happened to it and that my account had been closed. I didn't close it and I can't believe that she would have the nerve to close my account on her own and for no reason.
My dad has had an account with Suntrust bank for more than 30 years. He has never had a bounced check or a negative balance and is in very good standing with them. He even offered to come up and sign anything he could to guarantee the money and the transaction himself and this asst. manager laughed at him also and said that "that's not going to help her either. I'm not giving her the money". He told her he was thinking about closing his account because of this and she smirked at him and said, "well, we have lots of other accounts, I'm sure your's closing won't even be noticed, Mr. Williams". How is that to treat a faithful and loyal 30+ year customer?...WOW!...I was never rude to this woman. I never caused trouble at the bank or even let anyone know what was going on during all the time I was going through this. All the times she had me and my son standing there waiting, I never let on to any of the other customers that I was unhappy or having any type of problem. She had no right to treat me the way she did and certainly no right to talk to me the way she chose to either.
Can you believe that on the second day of all of this that she called me on the telephone at my home. I was so excited when my son told me who it was. I thought she was going to tell me that the money had been released. I picked up the phone (all happy and such) and She actually started yelling at me (just like a parent would yell at a child who was being very bad) saying " YOU BETTER NOT CALL THE 1-800 NUMBER AGAIN FOR HELP AND YOU BETTER NOT TRY TO CONTACT THE LEGAL DEPARTMENT AGAIN EITHER". Now, does she have the right to call a customer at home and literally scream at them and then hang up on them. I want you to know that I am just so upset by all this that I don't know what to do. I can't get over it. She ruined our lives and knowingly did so by her own choice. I have emailed James Wells, the President of Suntrust Bank about this but haven't received a reply yet. She just can't get away with this.

Letter received from thomas buther, president on letterhead that says the following:
Sunlife financial trust inc
International claim department head office
C/o cibc mellon trust company capital registrars
P. O. Box 7010 34 beckenham road
Adelaide street postal station united kingdom
Ont, m5c 2w9 br3 4tu
Attn: claim #: utf 446833
Notice of unclaimed winnings
This is to find out why you have not claimed the money which you won in the super seven contaest. You are one of the second category winners of th money super seven contest held on the 3rd of january 2011. A ticket with serial no. 461209 posted in your name drew the lucky winning numbers. This entitles you to the lump sum winning of $250, 000.00 to be sent to you once the taxes on it has been paid. Enclosed is a check of $3, 885.00 which was deducted from your winnings. The sole purpose of this first check is for the payment of the applicable government taxes on your winnings. The tax amount is $2, 985.00 to be paid any western union in any convenient store. You will receive your tax information from your claim agent tom george.
Please do not attempt to use this check until you call. We urge you to keep this winning confidential until your claim has been processed and your cash remitted to you as non participants taking advantage of this program.
You are advised to contact the claim agent immediately for further clarification as indicated below within 10days.
You are to contact him at [protected] as soon as you receive this letter.
Congratulations!
Yours truly,
Thomas buther
President

I and my wife have had our house forclosed on by Suntrust 2 times in a year. We had applied for the loan modification from Suntrust after they told us that we fist had to be 2 months behind. We went threw that whole stressfull waiting game to be approved. We were finally sent a letter that we were approved in january of last year, and were ecited. The excitement lasted less than a month as they had sold the house and Suntrust bought it and we had to go threw a whole bunch more exspense etc, to have it recinded. The 1st month came for payment we sent it and they document it as late, put us back in default and we are back in forclosue as they would not except any payments. We were jerked around for over 7 months the 1`st time, now Fannie Mae said they could help us, yet they are the investors of the last fiasco. They want us to go threw this whole thing again even though Suntrust told us that Fannie Mae the investors would not help. Does anyone know if we should try this whole thing again? I do not think my wife and I and 5 children can take another disappointment. Please e-mail if ya have any Ideas. [protected]@clearwire.net

I entered into a trial loan modification program with them in May 2010. I called them in September to check on the status of my account and was told I was in good standing and to continue making my payments the same as always. I was told that my file was being reviewed. Sun Trust motified me on November 15th, 2010 that they had sold my loan to Nation Star effective December 1, 2010. On Noverber 24th I received notice that I was in default and my home was to be auctioned on December 10. I contacted SunTrust and was told that I had missed four months of payments. I faxed them copies of my cashier's checks along with my fed-ex receipts. I contacted them again to be told they were no longer my mortgage company and that I would have to deal with Nation Star. Nation Star said that I owed $46, 000. in arrears and that I had not made any payments in twelve months. They claimed to have no knowledge of me being in a modification program . Sun Trust has caused me to be on a emotional rollercoaster ever since. I have been given auction dates for my home four times in the last three months.

We believe we are being fraud ed by Suntrustmortgage. What happened in May of
09 we applied for a loan modification. They put us on the trial period. Well in
Oct. 2010 they sold our loan with out completing the loan docs. Now the new
provider says we are 8 months behind. We have been told the papers were not done
now we face foreclosure. We payed ever thing Suntrust told us too.

I closed my store's merchant account with SunTrust in Sept 2009. When I closed my SunTrust Banking accounts in Dec 2010, I discovered that SunTrust Merchant services had never stopped debiting my business bank account monthly service fees for Merchant Services. I spent many hours on the phone yesterday with SunTrust and its merchant service reps. No one would admit they had my money. In fact, several reps lied to me. Several gave me incorrect info either willfully or out of ignorance. Finally today someone in Merchant Services admitted they had my funds but would only release them to my new bank account number. I refused to give them my new banking info and they now are refusing to return my money via check.
Unfortunately, SunTrust has grown too large to provide good service to even the long term customers.

Suntrust advertises their internet banking and mobile application for smartphones as a value add, customer service that is a 'courtesy' for their clients. DO NOT BE TRICKED by this practice. Suntrust is keeping two sets of books. The online banking available balance does not agree with the bank's database. Beginning in August after financial institutions' charges became regulated, Suntrust has been selectively crediting deposits to my account after holding several debits in 'pending' This results in an overdraft or close so they hit me for $36.00 for all the items they 'paid' further decreasing my balance by another $216 + THEN they show my direct deposit. I have been charged close to $3, 750. since August as a result of Suntrust's greed. Seriously, I have banked with them for 16 years and I have never had a negative balance until August. I have an ATM receipt dated 12/24/10 20:16 p.m. (7:16 p.m.) showing $ 1, 536.25 available balance. I did my Christmas shopping mindful of how much money I had available. Unbeknownst to me, they had been holding 'pending' items that were not appearing online. On Dec 27th and 28th, I had a $1, 500.00 deposit. They posted all pending items and a total of $216 in nsf on the 27th and another $216.00 on the 28th. After all of the charges I was $938 negative. They applied the $1500.00 deposit which ultimately gave me an available balance of $ 600 approximately.
The Federal Reserve cannot dictate/regulate how banks apply transactions and Suntrust certainly plays that loop hole. I just think it highly unethical to tell you customers what they are looking at 'online' is just an estimate/courtesy that the bank's records show another view.
Is there a consumer advocacy organization I could contact to request a open records audit, please?
I could change banks and do plan to however based on the complaint threads here it looks like all the banks are breaking the backs of the working class while enjoying millions in salaries and bonuses.
Is there any speck of hope and/or recourse for the little voices out here?

I found a house on St. Simons Island, GA that is in foreclosure and owned by SunTrust bank. My real estate agent took me to it and we decided to make an offer on the house. We contacted the selling agent, informed her that we were planning to bid on the house for a price significantly lower than the selling price. She informed us that we could not make any offer on the house until I became pre-qualified by a SunTrust Mortgage banker. I informed the agent that I was already pre-qualified by a local mortgage banker and could prove in writing that I was qualified for the price that I was willing to pay for the home. Since I had already endured the pre-qualification process, I did not feel like it was necessary for me to go through another approval process with a different agent. I also thought it was incredibly unethical and inappropriate for me to have to get approved by a SunTrust Mortgage Banker when SunTrust owns the property that I am interested in pursuing. It was clear to me from the beginning that it would give SunTrust an unfair advantage in the bidding process since they would know the full amount of money that I qualify for.

Regardless of my initial distaste with the entire process, I applied online with a SunTrust Mortgage banker who made it clear to me that getting pre-qualified would not affect how much I paid for the house (which I did not believe) and it was clear that this tactic was a way for him, and SunTrust, to get new homebuyers to use their services. In fact, he went through an entire sales pitch with me even though I let him know that I was planning to use a local bank and was only going through the process with him because I was being forced into it if I wanted to make an offer on the house. I had to go through the entire application process, have a full credit check, speak to the mortgage banker numerous times and spend approximately four hours of my life scanning documents before getting pre-approved. Going through this process took about a week. Once I put in my offer, it only took a few hours for SunTrust to return my offer with the original listing price. Of course, it did not surprise me that SunTrust would not lower their asking price by even $100.00 since they already knew how much money I pre-qualified for and how much I might be able to spend. This process left me at such an extreme disadvantage and is so incredibly unfair. How can the buyer possibly negotiate the selling price of a house, which is known common practice in the real estate industry, when the seller already knows how much the buyer can potentially spend? This practice by SunTrust is deplorable and needs to come to an end. My request is to make the process fair, legitimate and unbiased for the buyer. The spirit of a capitalist system is that there is a fair market so that all parties can participate righteously with the outcome being the price that the market allows. SunTrust's Machiavellian business practices must come to an end so that a fair and just real estate transaction can occur.

I called Suntrust to inquire about making a principle payment to my auto loan. I was told I could do it over the phone for a fee and simply needed my account and routing numbers. I got off the phone moved money from another financial institution and gathered all the account information as directed by the Suntrust rep.However when I called back I was now told that I could not make a principle payment over the phone with no explanation as to why I was told otherwise 30 minutes earlier. I am taking my business to another bank and am refinancing with another institution. It is frustrating to deal with a bank that does not know what they are doing and puts the inconvenience on the customer because of the banks lack of competency. I left doing banking with Suntrust years ago and now I remember why. I will never get my business again and I am beyond frustrated with the incompetence that I have had to deal with. Jon DiMaggio