SunTrust Banks
Reviews and Complaints

I have been a member of SunTrust for more that 15 years. This is the worst Bank, they charge outrageous fees for any and everything, have no loyalty to middle class or poor account holders because they are the ones who are hit with the fees that can be avoid on many terms, because SunTrust doesn't approve many loans for people who are not on the scale of which they think you should be (think about it) they just hit them with fee after fee knowing that this will only damage and leave the middle and poor class account holders in the rears and owing monies that they truly don't have ... ex: Suntrust bounced 5 checks in my account although 4 of them would have cleared with monies left over. They try to tell me that they processed the largest to the smallest ... thats why I was hit with so many fees.

The government is alway investigating something why won't they investigate these banks who are making there lazy shareholders richier by screwing the account holders.

I had read all the posting on Bank of America. Well I just want to tell you that Suntrust is not much better. Just recently I started seeing "extended" overdraft fees. This is now policy that should you have overdraft anything in your account for more that 7 days, you will get an additional $36 added as a fee. Even if its an item as small as $3.00 Which is what happened to me.

Should there be a cap/percentage according to the dollar amount that bounced. I mean $3! That is insane! My $3 dollar item ended up costing me $75! What can we do? Anything? and has any one taken the time to research who has the cheapest fees and now apparently "exteded" fees? I would like to hear if so!

I had four charges pending on my account from 10/19. I had $300 in the account when my wife charged and paid three bills electronically for $220 each on 10/20. This morning I went online to check my account and noticed $144 dollars in penalties, but still had a balance of $40 dollars and $600 in pending charges. I was going to depositi money today to cover those pending charges. When I called Suntrust, they told me that the unavailable funds penalty(UAF) is done on available balances including pending items. They told me that they put two of the $220 items first, then posted the other four transactions(but not the two $220 ones), all with penalty fees because the two transactions of $220 put my available balance into the negative. I got run around for two hours, everyone including supervisors giving me different answers. They told me I would be charged more UAF penalties if my available balance remained negative, even if they do not clear the pending transactions. Also, I would be charged NSF(Non sufficient funds penalties if they did clear. The only answer that was consistant was "That's how we do things". They are ripping people off with their penalty charges. SUNTRUST is the worst bank I have ever been associated with. After everything clears, I will be closing my account!

I made a deposit to my checking account to cover a mortgage payment. Because the amount was not written in - the numbers were there just not the written amount - they did not deposit the check. Rather than notify me, they held the check for a week. Until the mortage payment bounced a week later, I was not aware that the deposit was not made. They said they called me but when asked what number they used, they gave me a three year old number which is no longer on my account. They did not call the number on the account nor send a notice via U.S. mail. I incurred $94.00 in charges on the bank and mortgage end. Their only response was that they could not deposit the check. I closed the bank account immediately. The arrogance of these people is unbelievable and they refuse to acknowledge that the customer even has a point.

So I deposit a check at Suntrust Bank on October 2, 2009. On Wednesday the following week, the check has still not been deposited so I call up Suntrust. The operator that I talk to confirms that the check should have been posted already and is unsure why there is no money in my account.

So I then get told that Suntrust lost the deposit for $571.59 and that they need my authorization to look for it and that it could take 10 business days or more. The authorization cannot be given over the phone. I have to file a report with them which I did and provide them everything I can including a copy of the check (which they lost). I couldn't provide a copy of the check to thema nd am now being told that they still don't know where the money is located and that someone else may have been given the money instead but they're not sure.

Fast forward to today and I get told that them losing my check and making me late on my payments is just something I'm going to have to deal with. If they cannot locate teh check in 10 days, then someone will need to work with me and that could take months while they sit on my money. I asked if I could charge interest since that's what they would have done if I lost their money or was holding onto it. They obviously said no and that it's not the way it works. They are allowed to lose my money and not do anything to help find it while I am supposed to wait.

I suppose I could ask the check issuer to cancel the check. But that will cost them and they in turn would charge me. Moral of this story - Suntrust likes to steal money from little people. My car payment is probably going to be late now thanks to them and my CC rates could go up if I don't find a way to pay the balance off soon.

By the way, I think I'm also going to "tweet" about this every day until I get my money back from Suntrust. Maybe I'll tweet twice a day. :-)

I had overdrawn my acct by forgetting that I had an a payment that I forgot about which was my fault, I had been charged 4 overdraft fees of 36.00 each plus the 101.00 ( the payment that came through). I went in the bank and they had told me that they pay the larger amount first as they think that it is a major bill that needed to be paid, the four smaller charges came in before the larger charge, and they did credit 2 of the over draft fees back, which i was thankful, I now noticed on my account since it is 7 days overdrawn and I told them that I wouldnt get paid until the 9th and they said that would be fine. now i noticed they had tacked on 36, 00 for Extended Overdraft Fees which i was unaware of this charge until i found out about it online. I have had the acct for over 2 years now, how am i to remember that if this happened that they were going to charge this.. I am going into the back to see if i can get the charges removed, and then if not, once the acct becomes current I am going to see what they have to say when I close this account, I can not believe that this happens, especially when there is no notification that this is going to happen.. I hope that someone can pass a bill or something to reduce the fees that these banks are charging for overdraft fees, and this is the first time in 2 frickin years that I have over drafted.. this really sucks. I hope that by law that they can not charge this amount of fee for overdrafts. thanks for hearing my side of the story of suntrust banks- steven in saint petersburg, fl

I had an auto loan with SunTrust Bank since 2004. In July 2009 I made the 60th payment (the last payment according to the loan agreement for a total of $66, 000). I then start getting calls from SunTrust stating that I still owe $3300! They said I had over 20 late fees and interest on the late fees. Never once in 5 years did SunTrust notify me that a late fee was charged to my account.
I always mailed my payments in and allowed plenty of time for it to reach them. On the account statement that they sent me, the late fee was charged on the 22nd of each month and wouldn't you know it-my payments always posted on the 23rd.
I have sent them all of the copies of every check that was written for the loan and bank statements. They are unwilling to work this out. They are now threatening to repo the truck and report me late to the credit bureaus unless I pay them this $3300 immediately.

It is absolutely criminal that banks do this. I am the third person in my community that has had the exact thing happen with SunTrust.

Don't you dare deposit a check into this bank! They won't give you one cent until the next day! A local check they will not show funds available till the next day! so even tho you went to the bank at 8 am.. sorry buddy better wait till the next day! They suck I am soo pisssed

I opened a Suntrust checking account online. After a year or so, I no longer needed it. I live in Alabama and there are no Suntrust banks in my state. So I tried to find a site online where I could close my account. It had been inactive for several months and I knew there were no outstanding checks. I could find nothing online to accommodate me. So I called a Suntrust bank in the neighboring city of Pensacola, Florida, about 60 miles from my home. I was told that if I wanted to close my account, I would need to send a letter and that there would be a $25.00 charge to close the account via mail! I explained that I live in Alabama and the nearest Suntrust bank is 60 miles away and with gas being so expensive, I did not think it feasible to travel 120 miles round trip to close an account. I explained that I had opened the account online and would think that I could close it online. I was told "NO, you will "have to" come into one of our branches or close the account by mail. So much for "customer service". ...no more Suntrust for me.

I opened my account with Sun Trust on line on Friday 7/24/09, $200.00 cash, on Monday I went to the bank and withdrew $100.oo to pay bills, I havent received my checks or my atm card yet. On Tuesday I went to the bank and was told they have closed my account due to a negative report they received and they would send my money to me in 6 TO8 WEEKS!, I couldnt believe it, they didnt even have the decency to at least call me and let me get my money out, that was all the money I had to my name, I had to pay my electric bill and now its shut off, and I have no money to feed my kid, I have no idea why they would keep my money for two months, its outrageous, Im filing a civil complaint, Im going to call the police and charge them with theft and then call the newspaper and the local tv station, this is the worst customer abuse I have ever heard of and they keep telling me there is nothing they can do.

They have lied to me numerous times, they put a fraud hold on my payroll check that I deposited on friday 7/25/2009 and was told the funds would be in there immediately, went to make a purchase, was declined. went back to same bank and teller and now was told midnight. Saturday morning, I paid my monthly bills, went to buy food for my family and was declined again. Called customer service they not put a fraud hold because the funds couldnt be verified. So I spoke with a corporate manager would told me that the corporate office could do nothing that basically the branches ran the company, so if they can't do anything why to they make close to 6 figures a year. Anyways now I was told monday before i could get food for my family and gas to go back to work. Monday, still not available, so i called again and now it was said that unless the other bank sent over the funds, they couldn't release it til August 1st over a week away ( no remember I had no food for my wife and 7 yr old daughter and no gas for work), so I call my works bank and was told tuesday morning the funds would be sent over. Tuesday morning posted lifted but now they charged me 144.00 in overdraft charge for the bills I paid with my check before they put a hold on it. So again I called customer service and was told they would be refunded once the funds were available. They had the funds from the other bank and refused to release my money still, now I have to wait to August 1st and hope they give me back the overdraft charges. This is the worst bank by far, I am closing my account once the money is in there and sent a complaint to the better business bureau.

Suntrust changes excessive withdrawl fees for one withdraw from savings a month.

How are you supposed to access you own money

I had checked my checking account and found that they had taken a unavailable funds fee out and when I called the teller couldnt give me a reasonable explanation after putting me on hold for 3 times and finally credited my account. Also she told me that check charges are not the current $36.00 charge but $72.00 per check. They charge you an insufficient funds charge for $36.00 and then charge you a unavailable funds charge of $36.00. I think these charges are for the same thing just worded differently so they can rip you off. Times are hard and this company is asking for a bunch of money from the government to help them out. What are we getting for our money ? I plan on looking for another place to put my money.

I have been with SunTrust bank for over 10 years now. I have been severely burned by the m in the past. They posted an $800 as $300 to my checking account and caused all my bill payments to get returned. My credit cards were all put on hold and my bank account was in the negative. Many calls to management and customer service left me with no answers. It took me about 2 weeks to get everything straightened out.

Recently I went to a branch to exchange $2, 000 into foreign currency. I went to pick up the currency and I was told that it would be deducted from my account. I went out of the country with my money and when I got back I noticed that the money was still in my checking account.

I went to the bank to ask what the problem was. The woman who helped me at the Arlington, VA branch was so rude and insulting to me, as if I was the person in the wrong. She accused me of intentionally overdrawing the account and using the bank's money to pay bills. When I showed her that I had deposited a check that would cover all the bills I paid (which had not even cleared yet) she had the nerve to ask me if the check was going to clear!

She then showed me the amount of money that was going to be deducted from my account. The total was $10 more than the original amount. When I told her this she became impatient with me and said that this is what they were supposed to charge and that the first time they probably made a mistake. At this point I was infuriated that I was bringing this bank error, which would cost them $2, 000 of their money and they had the nerve to take more money than they said they originally would. At this point I brought it to her attention that I was the one helping them out by bringing this to their attention and I had to take time out of my schedule to come to the bank to notify them. She then responded with "we would have found the error eventually." Unbelievable!

I thought I was doing a good thing by letting the bank know that they forgot to take money out of my account. Instead of being thanked for my time and apologizing for the inconvenience I was insulted and treated with great disrespect. The people at this bank have absolutely no respect for their customers.

I was considering taking out a mortgage with this bank but now that I have seen this behavior I will never enter into any sort of long term financial agreement with them. If they can't keep track of their money how are they going to take care of mine?

I had to vent this somewhere. How can SunTrust be so bad at what they do?

I had been with SunTrust for more than 7 years, a faithful customer and somewhat biased towards the home team. That all dropped the day I realized I put a "3" instead o f a "4" for the month category under billpay.

SunTrust sent out a check for $980 to my landlord, who cashed it. Since I have a savings account, I don't put a lot of money in my checking, and it was overdrafted. Now, some banks don't cash the check, and you must pay a $35 returned check fee. Not SunTrust. They sent the money out and charged me $35. Ok...

But it doesn't stop there. Though I acceded to their demands and have been getting paperless statements, they figured the best way to contact me about this overdraft was to MAIL me a letter. Four days later, I get a later from SunTrust saying my account is overdrafted. I look online, and see that a check went to my landlord that wasn't supposed to. I go into SunTrust the next day and expain it, and the bank manager says that the excess charges that have racked up since that day ($250) are not their fault, because I put in the date wrong, and so I can't get a refund. I explain to them that is was a simple input error, but the woman was adamant, saying I should be "grateful" that SunTrust took the "courtesy" to pay my incoming charges. I said, LADY! It's not a courtesy when you charge me $35 per transaction, and can't even email me when you're spamming me with junk everyday!

In the end, I switched to BANK OF AMERICA. I don't know, maybe they will suck as well, but I know one thing. There overdraft protection is free, and they provide me alerts when my account goes below a certain amount. To me, those two things are the LEAST SunTrust could do.

This letter is being written to document the negative impact the financial institutions are having on our current economy. My name is Jeff Schwarz, and I am one of the largest, private commercial landlords in North Carolina. I have been both an incubator of small businesses and partner to large businesses in the market for over 45 years, and, until recently, have had an outstanding relationship with over 70 community banks. It has recently come to my attention that a local financial institution, SunTrust Bank, refused to renew a small commercial loan that they had owned for 5 years. Immediately, I had one of my employees request renewal terms, and received a response from the bank in less than one week: 12 month renewal, 12% interest rate, 1% origination fee to the bank, and all updated third party reports. These terms are a disgrace to any investor, large or small, and the American public should not have to be forced to deal with issues such as these during this economic crisis. Banks can only make money by lending money, and for an institution such as SunTrust Bank to deny credit, or offer terms that may as well be saying no, is absurd.

As an upstanding member of a small North Carolina community, I am not going to sit back and allow these financial institutions to crush the American Dream. I would like your help, as our elected official, to make an example out of this event and help us, the consumers, fight through this economic turmoil. Consumers are giving these banks billions of dollars in TARP funds, and are not getting anything in return. I am outraged, and hope that you are as well.

Suntrust Bank and I have heard that others do it as well, but I only have actual experience with Suntrust. When an account go nsf, the bank holds electronic transactions and small debits to your account and Processess the largest transactions first. The time span varies with slightly with the posting deadline, ie weekday or weekend, but they post the largest transactions so they can charge you a $35 fee for each of the smaller ones.

Example. I wrote a check for $100 and did not log in in the register. Later that week when the check was posted to the account, I watched as they withdrew 8 minor transactions and processed the check. Then they reprocessed the small transactions, $3.95, $8, 00, $14.75, $22.00, $5.50, $6.69, $10 and $5.79 and charged me $35 each. Count them, They charge me $280 rather than process charge me $35 for the check, which by the way came in last.

I had verified the balance earlier that day to see if I had enough to make a purchase. I decided not to make the purchase because the balance was low. On my electronic statement, the check had not been presented. The following day, I watched as they withdrew my paid debits, posted the check and then paid the electronic debits again and charged me $35 each time. Letters to everyone in the bank here in Atlanta, in Florida and two other cities yielded no positive results.

the first time it happened, it was only one fee. But the second time, I saw the technology in action and closed my account. We are still in dispute about the debt.