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Nelson of Marshville, NC November 17, 2009 I signed a 3000.00 note with a Hispanic gentleman to help him establish credit in America. He owed 325.00 on the note and was late with one payment because he did not receive the bill. They could not contact him because he changed phone companies. I have been doing business with this bank under three names over 45 years. They did not contact me until it was after the fact and it went into the credit reporting agencies. I have never had a blemish on my credit reports and I'm 60 yrs. old. I talked with several people in the bank and they act like they could care less. They contacted me after the fact about the late payment and I went to the bank and took care of the problem within one hr. They never gave me a chance to resolve the problem until it affected my credit rating, dropped them an average of 80 points each. This make me so made I can't see straight. I've reported them to every agency available. The credit reporting agencies say they are only a library that holds information and unless the bank changes the status there is nothing they can do. I've explained until I am blue in the face that had they contacted me before it affected my credit it would have never happened, they seemed to care less. Rebecca of Chiefland, FL November 13, 2009 This Bank charged me 72 dollars for a 21 cents overdraft. They also charged me another 72 dollar fee for a overdraft that was eventually credited back to my account. I have contacted Suntrust and they are unwilling to give me back any of my money. Suntrust even though I was not at fault still charged me 144 dollars for two overdrafts that were credited back to my account. Barbara of Petersburg, VA November 12, 2009 I have financed two homes through Suntrust Mortgage. I have been in my home for 2 years. I went back to college to complete my degree. While attending college I had a fall and broke my foot which resulted in surgery. I was out of work for 3 months. During this time my husband and I were informed by Suntrust Bank that the house we had built was located in a flood zone and we needed to place flood insurance on the property. The quote for the insurance from our homeowner's was between 4000-6000 per year.We could not afford to get the insurance at that time so Suntrust did a forced policy. This caused our mortgage to increase by over 400.00 a month. This created a financial hardship for my husband and I.When I inquired about some type of assitance I was put through to the Loss Mitigation Dept. I was told that the mortgage had to be 90 days behind to get any type of assistance.I requested the paperwork for the Loan Modification Program. Once I received the paperwork I completed it and sent it directly in. Two months later I was offered the Loan modification program. I has sent in my first two trial payments when I received a second packet for the same infomation. When I contacted the bank I was told " The program is new to us when had to make some corrections and we are starting you over. Meanwhile my husband and I had contacted a surveyor who submitted paperwork to FEMA on our behalf to request a LOMA. FEMA overturned the Suntrust decision and issued a LOMA declaring we did not need the flood insurance. Suntrust issued the refund into our escrow account. However during the second trial period of the Loan Modification program I completed all three of the trial payments and signed off on my final loan modification program. A few days later I was contacted by Suntrust and notified that I had been terminated from the program because my third payment had been returned for NSF. When I realized this had happened I immediately made payment to Suntrust. I later found out that Suntrust held on the my checks for 5 weeks before submitting it and they submitted both my 2nd and 3rd trial period payments within two weeks of each other a total of 3000.00 . When I contacted the bank I was told by Barbara Coles in Loss Mitigaton there was nothing they could do for me, she suggested we sell our home. They returned my payment, the entire process took SEVEN MONTHS. We now owe 14,600 in past mortgage payments and we are facing a possible foreclosure or bankruptcy. How is that for helping you out. I wasn't this far behind when I went into the modification program.You are only required to make a total of 3 trial period payments. I made a total of 4 between the two packets. They should have let us complete the first one. There are other neighbors I am sure that are being charged for the flood insurance. I intend to let them know about Suntrust. Kelley of Greer, SC October 12, 2009 This is a summary of how I have gotten where I am today with SunTrust.My husband got laid off from work at the end of last year and I immediately contacted SunTrust looking for some type of assistance in making our mortgage payments. I was told by their Loss Mitigation Dept. that we have to be 90 days behind to receive assistance on our mortgage. We were no where near that, and I never hoped to be either! So, I picked up a part-time job along with my full time job and the bills got paid. My husband, in the meantime, started school full-time in January of 2009. It was determined best for us that he receive a degree, and also, the company that laid him off was paying his way through two years of school as part of the layoff agreement. So, he went to school and picked up unemployment and I worked two jobs..not the best life, but we did what had to be done. I called again in February, seeking assistance when I lost my part-time job, only to here the same story as above. I was only 30 days behind and I decided I was going to do whatever I could to keep my mortgage current. Then, in March of 2009, Obama passed his bailout plan and SunTrust received 3.5 billion of it. I called them immediately seeking help through their loan modification program. I started this process in March. I filled the paperwork out and mailed my documentation back promptly. In late April, early May, I was told my documents were never received and to fax them again, this time to a different person. So, I did it again. I followed up with SunTrust on a bi-weekly basis to see if they had processed my loan modification yet. The answer was always, "We haven't gotten to it yet" or "It hasn't been picked up by anyone yet." In the mean time, my husband had to go through his unemployment review in June, so he did not receive a check for 5-6 weeks! I called SunTrust at that time in a desperate plea for help. We had no money, our utilities were going to be cutoff, there was no food, the kids were about to start school and I had no money for supplies, let alone no money to pay the mortgage. SunTrust had absolutely NO sympathy for me or any help to offer. I continued to here the same story from them, "We can help you if you are 90 days behind". When I asked about the modification again they were still getting to it. I faced the toughest decision of my life that day. I had to choose between paying my mortgage and taking care of family and other bills. I chose the latter part. In September, SEVEN MONTHS LATER, I received my loan modification package in the mail. Hoping for a miracle, I opened it to find a major disappointment. Our mortgage was only modified by 11.00! Now, you tell me how a family like mine that used to bring in 14,400 more than we used to only qualifies for an 11.00 decrease in mortgage?! I called SunTrust to find out where these figures came from and I was told that they base the modification on income alone, not debt vs. income. Nice of them to tell me now. I was told to send in the paperwork unsigned and ask for another workout option. They told me there are other options available out there, but they had to offer this one to me first. So, I did as I was told. I did also ask how long this process would take because I can't wait seven months like the other and she said that it shouldn't take but a few weeks since they already have my current documentation. On September 29, 2009, we received a certified letter of default from SunTrust dated back to September 1, 2009. I called them immediately and asked what it was about. They told me that because I was 90 days behind on our mortgage, we had fallen into default and they were going to seek legal action. I first asked why I didn't receive the letter until the end of September, of course they had no legitimate response. Then I proceeded to ask what type of help I could receive now that I was 90 days behind. Their response was,"None,we can't help you now that your 90 days behind on your mortgage." That was definitely not the same response I heard nearly one year ago when all this started. When I asked them about their initial statement of helping me if I was 90 days behind they stated that "things are different now." How convenient for them! So, after several hours on the phone and three confusing customer service representatives later, I never heard a straight answer. This is what I ended up with..I was told to make a partial payment to them at a local branch that way it would post immediately. SunTrust may or may not take the payment. They normally do not accept "partial" payments once you owe three months worth, but this particular representative seemed to think that I may be lucky if I made the payment and if it did get accepted it would stop legal proceedings with the foreclosure of my home. I was also told that they could not foreclose on my home as long as I was active in the loan modification process. Should I believe them? I was able to borrow enough money to come up with one months mortgage and I went down on October 1 and paid it to SunTrust, as advised by phone. As of today, they still have not reviewed my loan modification and we are still in default. This has not been easy, not at all. But, if I can save my home..it will be worth it in the end. Pat of Tampa, FL October 10, 2009 As an employee of SunTrust for over 5 years, I will tell you that the "refi" mania of spring 2009 took lenders/banks by storm - we were understaffed, combined with management issues- were unable to move loan applications through the systme effeciently. Management was unresponsive to the issues and complaints those of us on the front line encountered each and every day - between clients needing information on how to keep their homes, the overwhelming volume of applications, and NO support from management - many of us were near breaking point. I have since left SunTrust; after having been misled about repairing broken procedures by management - my apologies to everyone of my dissappointed and hurt clients. Jacob of Orlando, FL September 29, 2009 On September 10th, a deposit in the amount of 700.00 was made to my account via direct deposit. I used my debit card to pay for a transaction and it decreased the balance in my account to a negative balance of 0.80 before the direect deposit posted. The bank refuses to credit the fee. I feel the government should put a restriction on the "UAF" or Unavailable Funds Fees. The funds for this deposit were wired to the account, but the bank is saying they aren't available until the following business day. Kristina of Waldorf, MD September 18, 2009 My husband and I have been having financial problems and we were one month behind on our car payment. My husband made a deposit on 9/15 to cover a check that was written for our children's private school. On 9/16 Suntrust, without authorization, took the car payment out of our account and charged me a NSF. That same day, the check for the school hit the account. Suntrust did pay this, but charged me a NSF notice as well. Now, I am -570 in my checking account and don't know what to do. When I called Suntrust they said they had the right to do this and refused to put the money back into my account. I asked them to fax me something in writing that shows they have a right to take money from my account without permission. They couldn't do that. Ed of Lutz, FL September 4, 2009 I have a consumer(car) loan with the bank, original contract is 72 month, they issued me a 60 month coupon book. I did pay off the 60 month in August 2009. Recently I received an new coupon book starting on August 2009 and end on August 2010. That the total of 73 month not 72 month on original contract. This bank want to charge extra month of payment, and damage my credit. Teshica of Cutler Bay, FL August 31, 2009 My car was repo in 1998 and August 31, 2009 I received a notice to writ of Garnishment Against Salary or Wages from Adorno & Yoss LLP their attorney resentative stating Suntrust Bank will garnish my wages, property and money of 7335.42 plus interest and other attorney fees. I was behind on payments for almost 3 months and on the 3rd month they came and repo the car. They didn't give me a chance to try make payments or anything. Now over 10 years they would want to garnish all I have when they took the car and got the payment out of the car. This is not right. I sent me a letter to an old address which was never forwarded to me back in 1999 of this action being taken they never certified the mail or anything but sent US mail and now tried the same thing when they sent me this garnish mail (this too was sent US mail just so I would not get it). Suntrust tactic of using this method of getting back at customers is not right. I agree with the other customers who wrote they are suppose to be for you but they are not. I would not ever recommend someone to use that back ever. Kathryn of Florence, AL August 30, 2009 On Friday, August 28, 2009, I made a call to the customer service telephone number to check on my current checking account balance. I discovered American Online double-billed for this month. I talked with AOL and I was informed there are two accounts associated with my debit card when I only opened up one AOL account on January 25, 2009 when I had a checking account at another financial institution. During the month of July 2009, I decided to upgrade my Windows software to Windows Vista. Upon doing this, I also had to upgrade the AOL software that is compatible with this version of Windows. When all of this occurred, AOL must have done one of two things, if not both. Firstly, this company did not remove my formal checking account (debit card) information from its data base when I informed it about my SunTrust checking accounting (debit card) information. Secondly, it purposely classified the upgrade as being a separate (second) account. Whatever the situation is, it caused a removal of 23.98 from my checking account when it only should have been removed 11.99. It does not stop here. The true story continues. On this same day, I made a quick deposit to cover to negative balance. I went to the main branch location (Court Street) in Florence, Alabama to discuss this matter with a lady with the first name Donna. I explained this situation to her the best I could and I had creditable evidence to vouch my verbal statement. She acted like she did not care at all including viewing my proof. I even brought up the factor about possible identity theft, but she did not acknowledge that statement. Her solutions could not even come close to resolve this situation. Firstly, she suggested I could pay a 36.00 stop payment fee after I made the request to stop accepting all charges from AOL. Secondly, she told me to call AOL about this matter after AOL told me to contact my financial institution about this matter. Thirdly, she suggested giving this situation one additional month to discover if a double AOL withdrawal occurs. If it does occur, I can dispute one of the charges which mean I will still be out 23.98 and/or 35.97. Either way I turn I am stuck in the middle of no way out. This is ludicrous. I am on Social Supplement Income (SSI). My check is 674.00 per month (not weekly; not biweekly). It takes every penny I draw to make it from month to month. There are times I am forced to borrow money from elderly parents to make it that month. I cannot afford to play the waiting game with this bank and/or AOL since the money I will possibly lose during this wait period would force me not to have the money for the medications I desperately need to live since I am in poor physical help to the point I am living with daily chronic pain. I do not need this type of stress in my life since I have been warned my physicians to avoid stress, if at all possible so my chronic pain will stay at tolerable state subsequently I will not be forced to take additional pain medication(s) to get it back at that state. In addition, I am a victim of identity theft. I had my banking information stolen from me in 2006 when I was using another bank at that time. I will not be victimized like that again since I have brought up this ordeal on a local branch level and informing the president of this financial institution about it as well. I want all of this to stop before I am victimized again without wasting money I cannot afford to waste trying to get this situation resolved. I hope you will give me the non-monetary assistance I am seeking about this matter. Advertisement
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