SunTrust Banks
Reviews and Complaints

my son received card for last christmas. card was miplaced and now found. when i call to verify amount, tey won't give me any information on the account. This is after trying for 20 minutes to get a real person on the phone!

My mortgage was sold to them immediately after we bought 4 1/2 years ago and I have not had a single decent experience with them since. Everything from a simple bill payment to trying to refinance has cost me countless hours on the phone (mostly on hold), money, and frustration.

Initially we had 2 mortgages through them and just trying to make monthly payments was a nightmare. Almost every month they applied payments to the wrong account resulting in either under or over payments which they would mail back to me. I would have to wait for the check to clear, redeposit it and resubmit payment. They would then charge late fees and sometimes I would have to make double payments just to avoid credit issues. This took countless hours on the phone every month to straighten out for almost a year until they finally sold the 2nd mortgage.

I am also eligible to recieve an APR reduction under the Soldiers and Sailors Act because I am currently on active duty orders for deployment. It took over 6 months and countless phone calls for them to finally adjust my rate and payments. After which insteasd of reimbursing the overpayments I made each month just so I wouldn't default, they applied it to the loan without my consent.

Currently I am trying to refinance under the HARP program, which SunTrust advertises widely, but have been given more than the run around. The “system” conveniently transfers me to the wrong department or disconnects my call. I have not received a single return phone call after leaving numerous messages for loan officers. One actually told me that I couldn’t apply for HARP until I contacted the second mortgage lender and received a verbal subordination agreement, which is the responsibility of the first mortgage lender to request in writing only with my consent. I spoke to a “supervisor” who stated that it was not SunTrust’s responsibility to disclose information regarding government loan programs and that it was up to the media to distribute the information and the consumer to ask about it. He stated that my lender should discuss these programs with me, at which point I re-stated that SunTrust is my lender. The latest and most rude experience so far. I was placed on hold several times mid-sentence, told that I needed to be denied modification before I could apply for HARP (which is completely untrue), and was abruptly transferred to an unknown department where I stayed on hold for almost 20 minutes before hanging up.

Consistently, I have been misdirected on every call, been given misinformation by customer service representatives and loan officers who clearly do not have knowledge of the products they sell, dealt with rude employees and after weeks of calling every still have not even been able to apply for the refinance never mind get approved!

If you have an option don't do business with SunTrust! I've been trying to get away from them for 4 years!

Suntrust unethical modification practices. We had a 1st and 2nd mortgage. Suntrust said they could not touch the 2nd mortgage until they modified the 1st. We have tried for a year to get both modified. We attempted to send double payments of which they sent back. They dragged us through the lies of lost paperwork, until our property became behind. Additionally, it started off that they were checking on the paper work and then just like many others they nailed us. I appreciate the attorney generals, lawyers, congressman/women and investigators who are looking into the banks unethical practices. Don't let the banks off the hook. They try to make it was the consumers faults, when like predators the led us into a blackhole and like snakes rapped their coils around consumers and suck their homes from them, because they feel they are too big too touch and that society cannot afford to hold them (banks accountable). I disagree. They dragged us out, filing for foreclosure behind our backs, all the while telling us the paperwork was on someone else desk. They were back logged. Lies, Lies, Lies. The people who work with
Suntrust, Bank of America, Aurora and you were involved in the process. Have some heart and call the attorney generals office and tell them what they told you all too do. We need more people who are working on the inside to report them. Remember they were given money for a bail out. HOLD THE BANKS ACCOUNTABLE.

Here’s the abridged version (the highlights of my letter, if you will):

• Traveled all summer with SunTrust Visa debit/credit card—no problems.
• Received new SunTrust MasterCard debit/credit card in September 2010.
• Traveled to Vegas November 2010.
• Hold placed on card—called number on back of card, verified identity and purchases, hold was lifted.
• Midnight on the East Coast, 9pm in Vegas, a new hold is placed on card.
• Customer service closes at midnight EST, card rendered useless till next morning.
• Call number on back of card again, reach “Dani” in fraud department, am told I can’t differentiate between automated system and conversation with human being (the equivalent of being told I’m crazy).
• Hold lifted—apparently—waiting now for new hold in further travels to Phoenix, Sacrament, Charlottesville, VA, and DC (and all the places in between—oh, the places we’ll go!)
• Disappointed that attractiveness of a Delta SkyMiles card (because we like to travel) is rendered useless when actually traveling!

Follow-up questions:

• Is it SunTrust or MasterCard that is being so difficult?
• Do I keep SunTrust as primary bank now, when my CFE Visa (and my husband’s BofA) debit/credit card works fine?
• How will this impact my husband’s business account when he travels to visit clients?
• Why does customer service close at midnight?
• Can SunTrust not afford 24-hour customer service? Is the bank in trouble financially?
• Can SunTrust not find someone like the first person who could only temporarily lift the hold or someone equally insulting as “Dani” was to the customer to work past midnight? Someone on the West Coast, perhaps?
• Is SunTrust not a very global company that is not fit to serve the needs of traveling customers? Especially when offering a debit/credit card that earns miles used for TRAVELING?
• Will I receive any sort of response to these questions?

SunTrust Mortgage company continues to claim that I do not have home owners insurance. My insurance company has provided proof and SunTrust Mortgage will not remove their escrow account. I've been dealing with them over this matter for several months. I will have to retain a lawyer and fight them in court. Their customer service is poor, they are truly trying to get me to pay for insurance that I already have. I've reached out to the BBB to dispute the issue.

Don't get your mortgage from SunTrust, they are nothing but a ripoff.

Sunlife financial trust inc
International claim department head office
C/o cibc mellon trust company capital registars
P. o. box 7010 34 beckenham road
Adelaide street postal staion beckenham, kent
Ont, msc 2w9 united kingdom
Office hours: m-f 8am-9pm, sat: 8am-6pm br3 4tu

November 03, 2010

Notice of unclaimed winnings

Claim number: utf992255

This is to find out why you have not claimed the money which you won in the super seven contest
You are one of the second category winners of the money super seven contest held on the 3rd of march 2010
A ticket with serial no. 461209 posted in your name drew the lucky winning numbers. this entitles you to the lump sum sinning of $250, 000.00 to be sent to you once the taxes on it has been paid.
Enclosed is a check of $4885.00 which was deducted from your winnings the sole purpose of this check is for the payment of applicable government taxes on your winnings.
The tax amount is 2985.00 to be paid any western union in any convenient store. you will receive your tax information from your claim agent tom ford

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 this part of your security protocol to avoid double claiming or scrupulous acts by non participants taking advantage of this program. you are advised to contact the claim agent immediately for further clarification as indicated below within 10 days.

You are to contact him at [protected] as soon as you receive this letter.

Congratulations!

Yours truly,

Thomas butler
President

I opened a checking account at Suntrust (in Summerfield Walmart, just outside of Leesburg) in May 2010 because of these same problems caused by my previous bank. On September 30, 2010 I received a letter containing my "new Mastercard Check Card", replacing the Visa Check Card I had received when I opened the account.

It has taken me over four months to clear up the mess my previous bank had left me in, and I had just gotten all my bills set up to be charged to my Suntrust Visa check card, and had breathed a sigh of relief. Now I am again faced with the same nightmare - notifying all my creditors to change my card number! Several of them do not even send me a statement, and I have no idea of their address, phone number, or email address! Because of this, I cannot have Suntrust send them a payment check (as Suntrust requires an address to send payments), and have elected to use my debit card to pay these people.

When I called Suntrust today, they apologized sincerely (local bank officials), but said there was nothing they could do - I would have to start this notification process all over again! I am still disputing late charges from the last time this happened to me!

I think this is the worst sort of customer service! They advertise a service, then cancel it without warning - and I'm just out of luck. Sun TRUST? No more trust here. Suppose they decide to do this again in three or four months? I believe Suntrust should be responsible for notifying all my creditors of my new card number, or arrange to pay them by check - AND pay any late fees incurred because of their decision! Otherwise, I guess it's time for another new bank!

Brenda Stewart

I certainly think consumers should know about the struggles my husband and I have had with SunTrust Bank recently.

In this current economy, it's obviously difficult to sell a home. When my husband and I found buyers for our condominium in June, we were thrilled! The buyers are an older, wealthy couple who have a main home in Mount Airy and a vacation home at the beach. Our $79, 000 condominium was not an unreasonable purchase for them.

We set our closing date for Friday, August 6-- about a month and a half after the contract was created. Once that day arrived, though, SunTrust admitted to not being prepared. They had not even sent off the package to underwriting yet!

The closing was then rescheduled for Monday, August 9; then again for Tuesday, August 10. Both times, the bank was unprepared and closing was canceled. My realtor, the buyers, my husband, and I have all called, emailed, and even visited the SunTrust branch in person... we can't get a straight answer from anybody. As of today, we still don't have a resolution, nor have they communicated to us any sort of idea of what we should expect.

My husband has had to ask off of work three times; we've had to switch real estate attorneys; and I have had to reschedule numerous conflicts. Each day that passes, we are losing money towards our mortgage, HOA fees, and taxes.

Meanwhile, the buyers are anxiously awaiting a resolution; the wife plans to use the condo as a home to attend UNC-G's Master's in Nutrition program, and school starts next week.

At this point, we don't even know if the loan will close at all, which will be egregiously disappointing because the buyers were preapproved (and obviously qualified), and our condo has been off the market for so long. It will be very difficult to find another buyer in any sort of quick amount of time, and it will be quite an inconvenience the buyers who have already purchased furniture for the condo.

These constant delays and the lack of communication are rude, inconsiderate, evident of incompetence, and downright unprofessional, and I wanted to spread the word that people should avoid SunTrust Bank.

I have a complaint against a suntrust investor.in seven years she lost
250, 000 of my investments. She was to only send me the profits and never
Touch the principal. This money I received from my husbands death
Benefits. She went through all of it by just sending me monthly
Withdrawals. My disabled daughter were to live on this for life. We
Now just have s. S. To exist on. She has destroyed my health over this
As I now am going to have to sell our home. How does a bank like
Suntrust allow someone like this work for them? I am 68, who is
Going to take care of my daughter financially when I am gone? I
Don't thnk it will be betty smith! Is there anything I can do to at
Least reclaim some of my investment?

Judith mariani

Suntrust bank has horrible customer service and if there is a way they can stick a fee to your account trust me they will. Every time I look there is a check bouncing now and a reason for them to take money from my account. Don't let this happen to you don't use em. Been with them for years and never had problems with checks bouncing in biz account. But clearly they have changed policies to collect more revenue. These banks and credit card companies think that they are slick stealing a little bit here a little there and like we don't notice. We notice. Got bailed out with our tax dollars too. Stick your money in your mattress and screw these banks and credit cards companies just like they screw you. Security so tight I can't even get help on my account without ten questions. Ridiculous. Seems like they set everything up to steal your money and then not have to answer for it. They don't even have corporate numbers anymore got to write letters they hope it will slow us down. Let's all start taking our money from these institutions and show them who really is in charge and it isn't them! Wake up america. These banks rob us on our car loans house loans hidden fees and make millions from it and we sit by like nothing is happening for me its over I am tired of banks robbing me 5 bucks at a time. Fees to take our money out of an ATM? Seriously?

since they dont have a bank here in california i tried to transfer money to thier gay bank and they came back at us saying that they never recieved anything which is totally BS. costumer service was friendly horrible and i called 5 times just to explain to them, and they kept putting me on hold passing me around like a baseball. All in All Horrible Bank, Dont Believe Thier Bonuses, and They Blame you back. Fuc Them. Worst Bank Ever.

*alert: highly entertaining whistle blower blog*

These bozos are the absolute worst. it makes me upset to see so many stories with the same theme, "nsf" fees and lack of customer support. I am absolutely removing all their money from their account, oops I mean my money from my account as soon as I am able to.

And to think I use to work for these rat [protected]@[protected]@rds.

Yes, I was the guy behind the counter processing checks and providing you, the valued customer, with the infamous suntrust customer service smile. right. I stopped smiling once I started attending the financial service rep meetings I was forced to attend. I can tell you firsthand that you, the valued suntrust customer, are not so valued after all, and that in fact this company is out to fleece you at any which way they can. does not matter whether you have millions of dollars and several accounts or are struggling to make $10 a week.

These were low level meetings that occurred during the initial days of the real estate bubble bust and it was obvious from the start that you, the valued suntrust customer, were going to pay high and tight for the fact that their stock worth had gone down. I can only imagine that the high level meetings were more cut throat and disgustingly greedy.

Lets start with the infamous nsf fees.

Each branch is allocated to a regional manager who is more or less in charge of "bringing home the bacon". these regional managers are the "capos" of the organization. they are the ones that order the hits but don't get their hands dirty. it is up the discretion of the regional manager whether or not nsf fees are refunded. the misconception is that bank managers hold that power. this is true but if a manager starts to refund too many nsf fees, a report is printed out. this report goes out to the hired goons of the regional manager, or floating managers as they are sometimes called. they in turn inform the regional manager who in turn issues the order that no more refunds are to be issued out for that particular branch. refunds are only to be issued out when it is a bank error. bank errors at suntrust occur less than.01% of the time so figure out your odds. on the other side of the coin, if a branch does not issue out any refunds or very little of them, the manager gets rewarded and their branch receives some sort of accolade from the regional manager.

A note on rm's: their power extends beyond nsf fees (of course). they are the dogs on leashes for the executives and hundreds of bank vice presidents. as their power is to carry out the wishes of the executives, the rm's have alot of power. so much in fact that most succumb to their own egos and power trips. perhaps these people were once decent human beings but its hard to tell since they are so submerged in their own cult of personality. this is not a hyperbole. perhaps it is because I was at the whipping end of rm's that my attitude is so negative on them but I am sure I am portraying an accurate description of most of them. these people act like they own the many branches they are responsible for without recognizing that they are tools. tools for the six-figure making execs above them.

The high-end clients rarely get to see nsf fees but they get what is called "out of bracket" fees. if their account falls below say, $100, 000 dollars then they get charged a fee for not being in the "correct" account because they fail to maintain the minimum for that account. my experience with those clients always resulted in weeks and weeks of negotiations between manager (who assumes responsibility since the client is beneficial to the bank) and rm. most of these clients are retained by the bank but not after a lengthy period of negotiations whether or not to refund hundreds of dollars worth of fees accumulated over months. I have had the pleasure to experience one fed up customer with over $200, 000 in their account simply remove all their money and move to another bank because of suntrust's manipulative ways.

I wish I could fill in more info on their mortgage, equity line and credit card scams but unfortunately the extent of my knowledge is limited since most fsr's that work with the client are kept out of the loop of whatever underhand schemes go on in those departments. I am sure we were kept uninformed or informed as little as possible for a reason. our job was to simply push these products on to you like chocolate covered golden eggs that offered some sort of financial benefit to you, the valued suntrust customer. the only beneficiaries are the bank execs. I only made $15-$30 commission on approved loans or equity lines which I would never see since I had a $150 thresh-hold to meet and then I would take home anything over that. if my recollection is correct I believe new accounts were worth according to the size of the initial deposit but never exceeded more than $5 and debit cards were worth $1. a lot of times I found myself offering debit cards to people who couldn't manage to tie the buttons on their shirt properly but suntrust loved it because these are the same valued suntrust customers that will collect nsf fees and thus, well you get the idea. if you ever wonder why fsr's are so pushy and chatty it is for this reason. they want to push as many products on to you as possible so that they can take home an extra $30 at the end of the month. very sad.

I could go on and give you examples and stories but will limit it to this final bit of information. there is a particularly sneaky nsf fee which is called a uaf charge. please, if you still have a suntrust account ask the fsr to describe exactly what this charge is. I guarantee you will not get a clear answer because I do not think they can provide you with one. it is so sneaky and underhanded that explaining it requires a doctorate in economics. understanding it requires a degree in linguistics. as an fsr I got so tired of trying to explain this to the poor slob trying to make ends meet that I just refunded any uaf fees that I saw. without my manager or rm's approval. it is basically suntrust way of saying, "we can do whatever we want with our money".

Epilogue: I worked for suntrust for nearly 2 years as an fsr. I never rose beyond fsr level 2 or 3, not because I couldn't but wouldn't. I did not want to be a sleazy bank guy and never bought into their brainwashing meetings. I was finally let go last year under new bank management for being 5 minutes late to another god-awful phone conference between branch managers and the rm. the then acting manager did not have the required testicular fortitude to fire me on the spot but instead called the rm to terminate me at the end of my 10 hour shift. she in turn threated me not to file for unemployment as the bank would do everything possible for me not to receive any benefits. two months later I was receiving my benefits after the unemployment commission deemed my termination, "unfair". today they charged me an additional $36 as an extended overdraft fee on an account that I had overdrafted on, I brought up my account to the positive on exactly the seventh day after it went negative. I could not do it earlier because of the easter holiday and delayed pay. it did not matter to these bozos. even after my account went to the positive they charged me again with another fee. they failed to see my side of the story. I fail to see why they still have customers. I have been silent for too long and this was the straw that broke the camel's back. if only one person pulls their money from their account after reading this it will be enough to make me happy. unfortunately, it won't be enough to shut this bank down for good.

I have been trying to modify my loan for over a year and the service is horrible. I have been denied twice and the reasons are unknown. The loan officer responsible for my is Jeremy Johnson who I have left several messages and I still have not received a call. Time are unfortunate and they are not willing to help or even guide me in the right direction. I have paid on time and I was told to either foreclose or sell.

SunTrust debited my account a miscellaneous debit, overdrafted my account, then charged me almost $300 in ISF charges. I called them and told them they caused the overdraft and that I shouldn't have to pay the fees. They said they could not remove the charges. This is right after the new laws were passed regarding Unfair Banking Practices. To what governing authority do I report this?

My wife and I left South Carolina for New England in December, closing down our SunTrust Bank account shortly before we left. Well, we thought we had closed the account down-- at least the banking administrator made us believe we had and that's what I told her I wanted to do. A few weeks after relocating back to New England, we received a letter from SunTrust stating there was one cent left in our account and we owed them a $13.99 monthly maintenance fee. It seemed like a joke but it wasn't. You wonder how much intensive labor goes into maintaining one penny. And why couldn't someone at the bank have the common sense to just take the initiative and close the account down in the first place? Anyway, I called the bank up and was told I needed to send a letter to one of their offices in Atlanta and include about six specific pieces of information before they could rid the account of the accursed penny and make sure we wouldn't be receiving any more bills from the bank. I did exactly as SunTrust told me to do, mailed the information to Atlanta, but we've still received two more notices requesting $13.99. When the latest one said there would be a $30 closing fee, I placed another call to the bank and repeated what had happened again. The "customer service" representative claimed they hadn't received my letter. I'm sure they had, but knowing this bank had already made a mess of closing my account, I surmised losing my letter would be even easier for them to do. Once again I was told to call the bank back in 24 hours because they were depositing $27.98 into my account to balance the negative amount I now "owed" them and it takes 24 hours for this transaction to occur. I'll do as directed tomorrow but if we move down south again I know I'll never use this bank again for anything. If they can't handle the smallest maneuver correctly, pretty unlikely they'll be successful in dealing with a major issue.

My husband and I got a 2003 Ford Escape in 2003! We made every payment! in January 2009 we sent in the "LAST" payment along with a note (thanks to my Grand mom)stating this was the last payment in our Book and That we thought we were payed off! so now TODAY! June 12, 2009 My Husband wakes up to go to work! and Guess What THE TRUCK IS GONE! We have never received anything stating we owed them never received another Payment Book, not even a Phone Call to let us know anything! so while I am on the phone with 911 they let us know that our car was repossessed!BY SUN TRUST! We call them and they inform us that we still owe another YEAR on our truck and could not give an answer to y we were never informed that we owed anything else! We have been tring to get in touch with the Manager Gary McWind But that was like an Hour ago and still No call from him!

I think your Bank is a Sham and I will Be contacting the Better Business Bureau! and I hope everyone else who is going through this kind of CRAP! do the same or do what we should have done ( like MANY people told us to do) go with a diffrent BANK!

My name is Nelson Reid Phifer; I am 60 years old and have been a row crop and a poultry farmer for 40+ years. I have been a customer of SunTrust Bank, which was formerly Central Carolina Bank, and Security Bank, since 1964. I have never had a blemish on my credit and have maintained a superior credit score even as a farmer in some extremely lean years. I am thoroughly disgusted with the current situation that SunTrust has caused to lower my credit score.

I have written and called to every department available to me in both the bank and to all the banking regulators. I am appealing directly to the public to get an opinion on my plight in the banking bureaucracy.

As a farmer and friend I co-signed the above referenced account for a Hispanic gentleman that works for me since his English is limited. He has always been prompt in making payments. This late payment was due to a breakdown of communications, I was not contacted until the loan was 30 days past due. Mr. Lopez had bundled his phone package with a different provider which required a phone number change, the bank could not reach him and the bank which has access to all of my telephone numbers made no attempt to contact me until the account was already in late status by six days which was criteria for the negative credit reporting. I was told by Suntrust employees that the bank only had to contact the primary borrower, which is incorrect according to their own “Unsecured Credit Line Agreement and Disclosure”. In this document we as the borrower, are equal co-owners of this loan with the terminology such as “you”, “your”, “Applicant” ‘means each and every person who signed the contract’”. Since it was my credit score affected by this problem, it was imperative that I also be contacted. Immediately upon learning of this problem, I went to my local bank and took care of the problem in less than one hour. I feel that this entire transaction has been a major breakdown of communication, which has damaged my credit score. Since I am a farmer it is extremely important for me to keep my credit score high and this misunderstanding is the only blemish I have had in 60 years. This problem has consumed days and months of my time that is needed to do my job (which is feeding the world) instead of fight the bureaucracy of banking.

At this point, having contacted all resources available to me to no avail, I am convinced that this has become a racial problem since the gentleman that I co-signed for was Hispanic. I am appealing directly to the public to get your opinion on my plight in the banking bureaucracy.

This bank has really caused a disruption in my life! First off I deposited my student pell grant check into my account 12/9/2017. I asked the teller prior to the deposit if the monies would show on my account because I would be going out of town on that thursday. Her response was yes the money would post to my account. I left for my trip earlier then expected on that wens. morning. When I went to my account that friday I noticed the amount was not avaliable i called customer service and was told the monies would not be avaliable til monday because of a hold(1st time I ever heared this info.) I then explained to the representative my issue and she transfered me to a supervisor. The supervisor connected me to the branch were I deposited the check. She also told me that the telller would not have known that the money would be on hold and the computer picks. I then was connected to the bank. The supervisor there explained the same as the representative and the superevisor from customer service and I explained my issue. Now I am in another state dont forget that with No Money! The bank supervisor and customer service told me the money would be avaliable today 12/15/2017. I go to make the reservation and it was declined I then check my online info and the same thing was posted. I then called customer service again and now the info I was given is that it would not be available til 12/16/2017. I then was put on hold by the representative from 6:45 til 7:24 waiting for a supervisor and then was hung up on. I now when I called there was a recording stateing that phone calls are monitored when you have representatives from the samr branch giving out wrong info. to your clients this does not look good and now I am missing days of work and my vacation is hell No money and haveing to ask others to help me that dont even now me has taken my life to a whole nother level Thanks SunTrust.