Consumer complaint received 2017-05-05
Company: SUNTRUST BANKS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I submitted an application online for a  XXXX   XXXX   XXXX   XXXX  Credit Card account on  XXXX   XXXX ,  2017   . On  XXXX   XXXX ,    2017, I   received a voice message requesting a call back in order to verify that I was the one who authorized the application. I returned their call right away and confirmed that I was the one who authorized the application. I spoke with a male representative from their credit card department. I really did n't think about writing down his name because I did n't think that this matter was going to take this route. Well, he was a bit rude and stated that he was going to retract the credit line that I was offered in which my credit line had already been approved for {$25000.00}. I requested an explanation as of why he pulled back on the offer and he stated that he could n't tell me. I even requested a letter in the mail with an explanation of the reason why and he stated that they do n't send out letters. I then requested to speak with a supervisor and he stated that a supervisor was not available. I requested for a supervisor to call me back. I provided him with our main number at home in which is a cell phone that we all use. I even informed him that I authorize the supervisor to inform my dad the reason for his / their actions and he questioned that why do they have to call my dad. I informed him that my dad is authorized because I work many hours and he helps me out. So then I also provided him with my personal cell number. As of  XXXX   XXXX ,    2017, I  still have n't heard from a supervisor. On  XXXX   XXXX ,  2017, I receiv ed the credit card via  XXXX . I called the  XXXX   XXXX  store in which is handling our new home project and they asked me to come in the store so that they can activate the card. While at the store the representative called their credit card department because my sales transaction was declined. I spoke to a representative in which he verified all my personal information. He informed me that someone from the credit card fraud department was supposed to call me after I spoke with them on  XXXX   XXXX ,  2017 and  asked me if someone had already called and spoken to me. I informed him that I still havent received a call. I requested to speak with that department and he stated that no one was available. And also stated that someone would call me back within  24 48 hou rs in which was the same thing that I was told a week ago. As a consumer with an outstanding credit rating, Im not sure what the issue. It is my professional opinion that Im getting harassed and discriminated. They mailed me the credit card, provided me with a n Installment Loan Agreement  and I still cant use the credit card. Why? If they dont want my loan business after approval, then they better provide me with a good reason for it. And it better be good because this matter will be taken to the Supreme Court if I need to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation