Consumer complaint received 2017-10-23
Company: SUNTRUST BANKS, INC.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
We had a Business Account with XXXX XXXX XXXX. In XXXX XXXX, fraudulent activity occurred and money was withdrawn from the account. We had to fight the bank to get them to do anything to stop this. After 3 visits to branches including one located in XXXX XXXX, MD ( we were on vacation when this occurred ), XXXX, MD and XXXX, MD and numerous phone calls including speaking with XXXX XXXX on XXXX/XXXX/XXXX, XXXX XXXX on XXXX/XXXX/XXXX who blocked us out of our account, XXXX ( did n't get last name ) was told 10-14 days before anything could be done, and XXXX XXXX on XXXX/XXXX/XXXX who finally told us we needed to fill out an affidavit of fraudulent transactions to get this process started. When we read the affidavit we noticed that XXXX XXXX had listed the person, XXXX XXXX, who had written fraudulent checks, as the owner of our business account ( I have the paperwork for this ). Checks that we had written continued to come in and our account continued to be overdrawn in addition to them returning the payments so we had to pay fees on the other end as well. We finally were able to get some of the returned item fees refunded. On XXXX XXXX, XXXX we went into the branch to close out the account. We were told we had to pay {$520.00} in overdraft fees in order to close our account. We paid these fees, against our better judgment, but just wanted to be done with XXXX XXXX as it was a complete nightmare dealing with this situation. On our statement for XXXX, it showed that we paid the fees and had a zero balance on XXXX XXXX, XXXX. On XXXX XXXX, XXXX @ XXXX XXXX, we had received another statement from XXXX XXXX stating that we owed {$20.00}, so we called and spoke to XXXX and was told our account was closed the end of XXXX and we owed nothing as we had a zero balance. We just wanted to be done with XXXX XXXX, but we received a subpoena from the XXXX XXXX for XXXX XXXX to appear in court regarding XXXX XXXX, the person who made fraudulent checks and cashed them at 2 different XXXX XXXX locations. We took time off work and appeared in court on behalf of XXXX XXXX on XXXX/XXXX/XXXX. His case went to trial and we were asked to appear again XXXX/XXXX/XXXX again on behalf of XXXX XXXX. We have gone above and beyond for a company that is incompetent, completely dysfunctional, very unprofessional. and stole money from us by requiring us to pay {$520.00} in order to close our account because a teller did n't notice the fraudulent checks that look nothing like the checks that we used. Again, we paid this in order to be done with XXXX XXXX. But, on XXXX XXXX, XXXX we received a letter from a collection agency stating that we owed {$90.00} to XXXX XXXX bank. We have no idea what this is for. We sent a letter to them today, XXXX XXXX, XXXX asking for a letter of validation of the debt and what they are collecting for.

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