Consumer complaint received 2016-02-11
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX and I am the XXXX. On or after XXXX XXXX, I opened up XXXX business checking account ( s ) with SunTrust XXXX I was in the branch for several hours working directly with the branch manager, a personal banker and a merchant account representative. I specifically, requested that my accounts be linked to prevent overdrafts, along with other request. I left that meeting with the direct impression that all of my needs had been met. 

On or after XXXX XXXX, I filed a dispute inside of the branch regarding XXXX debit card charges that were wrongly assessed to my account. To date I have not received any credits for those charges. On or after XXXX XXXX, my account was assessed over draft fees which totaled roughly {$180.00}, for debit card charges and a check transaction ; although I had more than enough money in my account ( s ) to cover them. 

I spoke with the branch manager " XXXX '' who rudely argued with me and informed me that my accounts were not linked and that I had never requested that service. All of which is not the truth. We bantered back and forth about it and he reluctantly gave me a credit for those charges. I told him that I would come in and refill out the required documents to have my account ( s ) linked. 

On XXXX XXXX, XXXX and the XXXX I tried unsuccessfully to transfer money from my merchant account to my operating account via my mobile app and my desktop computer. It kept giving me an error code. On XXXX XXXX my account went into the negative, a check for {$1000.00} had been returned and numerous fees had been assessed. I went to the branch and spoke with " XXXX '' about my account. Once again I had the money in my account ( s ) but due to a bank system error, it would not allow me to transfer funds. XXXX stated that sometimes the system will block you, if you are attempting too many transfers in a day. He told me that he would not credit me back for the fees, even though it was not my fault. I told him that I was going to file a complaint. 

On XXXX XXXX, I attempted to place a stop payment on the returned check but the SunTrust system, would not allow it, so I went to a branch ATM and withdrew out {$1000.00} to cover the check in cash that had been erroneously returned. On XXXX XXXX, the same check was re-presented for a second time and my accounts were assessed multiple fees and has remained in an overdraft status for two days. It 's egregious that I have had numerous problems with my account ( s ) in addition to having enough funds to cover every transaction that I have made. Lastly, I have had to deal with an argumentative and overzealous branch manager that has a clear problem with listening, understanding complex situations and the need to prove himself right in the face of overwhelming truth that he is not right. I am requesting the following : 1. All overdraft and return check fees be refunded to my accounts. 

2. A block be placed on check number XXXX, in the amount of {$1000.00}, because it has already been redeemed in cash. 

3. That my XXXX debit card disputes, be credited back to my account. 

My account ( s ) numbers are : XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation