Consumer complaint received 2017-08-19
Company: SUNTRUST BANKS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On or about XX/XX/XXXX I applied to various job boards for work at home jobs. A job titled XXXX XXXX XXXX was listed and I applied for it. On XX/XX/XXXX I received an email from a XXXX XXXX from XXXXXXXXXXXX stating my first assignment has been approved. Starting on XX/XX/XXXXI received text messages from XXXX XXXX as well as email messages and a phone call or two. On XX/XX/XXXX XXXX XXXX sent by email a brief and directions of what the XXXX XXXX entailed. I replied on XX/XX/XXXX that I was ready to get started. On XX/XX/XXXX I was told by email that money orders were send, I was to deposit and wait for them to clear before starting surveys. Money Orders were received and deposited onXX/XX/XXXX. They were cleared on XX/XX/XXXX, bank showed balance to be available XXXX {$1900.00} XXXX. I let XXXX know I was ready to start surveys, he sent me a list of items to purchase and instructions on making a copy of what was purchased, the copy of receipt and I was to copy the card number for each XXXX card purchased. Two items were not available, I let him know that and he let me know just proceed with what I was able to purchase. My earning was to be {$250.00} per survey for a total of {$500.00} for the 2 surveys. By the night of XX/XX/XXXX I received a call from the fraud department from SunTrust Bank XXXX where postal money orders were deposited ) asking if I made the purchases in the amount of {$1400.00} and I advised yes I did as I was doing this for employment purposes. I then checked bank account and found the account to be negative - {$1900.00}. I called the bank which was after XXXX pm and all they could advise me was the postal money orders were being returned as uncollected funds. Bank account is listed with husband first on the account and then myself. On the morning of XX/XX/XXXX I went to the branch bank where deposits were made and spoke with XXXX the branch manager and she confirmed the postal money orders were no good. XXXX assisted me in faxing a Statement of Dispute regarding the purchases made, Case Number : XXXX for XXXX XXXX and Scam Case : XXXX. I tried to reach XXXX XXXX but number was no good and he did not respond to emails or text. The phone number was no longer working. I then called the XXXX XXXX XXXX, Fl police, an officer came to my home, did not want to take a report, he stated they see this fraud all the time, report it to the Federal Trade Commission, the Postal Inspector and hope for the best. After several days of going back and forth with the bank and realizing they were not going to help, I contacted the Postal Inspector and was told to file my claim online, which I did onXX/XX/XXXX and received was provided a reference number : XXXX # XXXX regarding mail fraud. 0n XX/XX/XXXX I filed a report with The Federal Trade Commission, Reference # : XXXX and XXXX suggested to file with consumer finance online which I am now doing on XX/XX/XXXX. Will also be contacting the State Attorney General in Florida for additional help. I would like help in resolving this with the bank, I do not have XXXX. The bank did not investigate and they did not assist in clearing the deposits, they should not have made them available. I am a victim of fraud. Hopefully the crooks will be caught and made to pay.

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