Consumer complaint received 2018-10-16
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am a XXXX XXXX XXXX and I agreed to a six-month contract with XXXX to purchase internet leads. I electronically signed the contract. XXXX did not deliver what they promised so I sent them a cancellation notice on XX/XX/2018 after four months for breach of contract. 
I spoke with the XXXX rep numerous times along with his supervisor to try to come up with a solution. The only thing I got was, forget about what we promised and just pay the bill. I told them I was not rolling over nor was I going to pay the last two payments. We could go to Court if they wanted. I read where XXXX was being sued for the exact same thing. These companies are making promises they can not keep to sign agents up for their services. I informed XXXX that I was filing a complaint against them with the Federal Trade Commission and the Small Business Administration. 
I cancelled my business card with Suntrust and received a new one so that XXXX COULD not bill my account. XXXX obtained my new card number and debited my account. I phoned Suntrust to file a complaint and ask why XXXX was given my new card number. Suntrust told me that Mastercard gave out my new number. They said that my new card number was linked to my old card. That does not make sense to me. If one receives a new card it should never be linked to a previous card. Consumers receive new cards for a reason. 
I explained to Suntrust that it was not up to them nor Mastercard to be judge and jury over my money. If I had wanted XXXX to have my new card number I would have given it to them. Suntrust told me they have to allow the merchant 60 days to file an answer to my dispute. I disagree because Suntrust was not authorized to let that money leave my account. 
After I filed a complaint with the CFPB Suntrust informed me that the charge has been reversed but they can not put it back into my account until XXXX and that is provided XXXX doesnt contest it. Of course it was a provisional credit. 
My complaint is against Suntrust and Mastercard for giving my new card number out without my authorization. I have lost trust in the Banking institution. This tells me they are on the side of the merchant and not the consumer. They should not be allowed to give out a consumers new card number. I want my money back and I want it now. 
Just this past Saturday, XX/XX/2018, Suntrust reversed the charge and took the {$700.00} back out of my account and levied eight NSF fees for a total of {$300.00} without any prior warning. If Suntrust was going rule in the Merchants favor I should have been notified in advance so that I could have been prepared for this. I phoned Suntrust, they told me they would open another investigation but could not remove the NSF fees at the moment. I want these NSF fees removed immediately. 
I have asked but not received how Suntrust or Mastercard has the right to give my card # to a merchant without my authorization. I have never signed nor acknowledged that either has this right. This is why I am filing another complaint with the CFPB and will be seeking legal consultation. 

XX/XX/2018 XXXX debited my account for {$700.00} after I sent them a cancellation notice on XX/XX/2018 XX/XX/2018 Filed a complaint with Suntrust XX/XX/2018 Sent Suntrust documents pertaining to my complaint. 
XX/XX/2018 Filed complaint with the CFPB XX/XX/2018 Suntrust gave me a provisional credit of {$700.00} XX/XX/2018 Suntrust took the {$700.00} back out of my account and levied 8 NSF fees for a total of {$300.00} XX/XX/2018 Filed another complaint with Suntrust XX/XX/2018 Filed another complaint with the CFPB

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