I went to a SunTrust ATM to withdraw some money. The ATM was not acting properly and did not dispense the cash. I had a check waiting to go through, but the merchant was going to cancel the check payment if I did not make the scheduled payment in cash before they closed. That was the reason for the ATM withdrawal. I also had some deposits scheduled to come into my account within the next two or three days.
Even though the money was not dispensed from the ATM, it still showed up on my account as if it had been. In addition, since I could not pay the bill in time, the check was put through my account along with other pending transactions, which caused an overdraft on my account.
The next morning I went up to the bank and was told that an investigation would be done. If it turned out in my favor, the money would be credited back to my account along with all the overdraft fees. A week later, the money was returned, but the overdraft fees were still there, which was still causing my account to be in the negative.
I went back to the bank and was told by the same ladies that since I had tried to take the money out in the first place, knowing that the funds were not fully available, the overdraft would still be my fault, even though I never received the ATM withdrawal. I then had to once again explain that if the money had been dispensed, the check that caused my account to overdraft would never have posted, and the overdraft issue would never have started.
I also stated that some money was going to be deposited, but seeing that my account was overdrawn by 500.00, there was no way I was going to put that in the bank just so they could snatch it. Once again I was told that my case would be sent to the research department and that within 1-2 business days I would have a response. That sounded completely ridiculous to me since I had just finished a review about the ATM mix-up.
I am still waiting for an answer, but seeing how shady SunTrust is, I already know what to expect.
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