My account, up to the point I stop doing transactions becasue I found out of this illegal banking practices, was in positive balance. Today my account is -690.00 and keeps ticking due SunTrust don't freeze so they can keep collecting NSF fees (creatred literally by them.
I've tried to talk to Bank represnetatives (they just respond as robots it is my fault about the NSF charged), e-care (online help, they respond a week later requesting to sign in securely and sending the message again. Branch manager in South Orlando branch, (lisa Santana) never return my calls. The assitant manager treated me in a very sarcastic way and did not take a bit of a look to my check book activity, practically she told me I do not know basic mathematics.
The first NSF fees were illegal as I had cash in my account. They just explained to me that it seems strange as a $900 deposit I made the day I was charged the NSF fees was in the morning and that as it was cash brough before the trasactions were posted at midnight, my accout to a balance plus.
They explained that it is SunTrust policy to pay the highest amount first, in where they did not pay the highest amount, the same day I made a $900 deposit (i have proof of all transactions dates) It was a cashier's check, they made that afternoon. This policy causes people to pay more NSF fees for smaller amounts, meaning that if you have 10 $4.00 check card transaction in restaurants and 1 check for $1,200.00 and a blanace of $1,200.00 regardless of a chronological order, they will pay first the $1,200.00 then charge you 10 times $32.00 per NSF, what convinient for the bank. Besides they do not tell you this when you open an account with them, I can tell how well trained and how often this happens due they tell you this as if they know new clients will come and complaint about this practices.
Here is my first inquire in SunTrust e-care, which I ahve not receive either a folowo up or anyone has tried to help me in solveing the situtation, this adversely will have a bad inpact in my credit report, however if that happens I will be more than happy to hire lawyers and fight this issue.
First,
When opening my business account (IGENTECH, INC) "REPRESENTATIVE (MAXIMO
ALYALA) DID NOT TELL ME ABOUT HOLDING DEPOSITS FOR 10 DAYS BECAUSE ACCOUNT WAS NEW". I STILL HAVE A 3090.90 HOLD which is necessary for my business, the check already cleared (the issuing party). IGENTECH, INC.
Second, on my personal account, I am not sure, but seems to be that your (items on hold/pending) work in your systems as (items paid). I can send a scan copy of my check book activity, including a (printed check card activity by Amanda Ferguson, AVP Banking Office Manager, Orlando, FL) which is the only person which really tried to help me, however she sent me back to the branch where I open my account. Manager wasn't there (Lisa Celentano) Assistant Manager attended me in a very cynical way and didn't even look at my check book log. I am sending all this information to you by mail (ON YOUR OPINION COUNTS.
The printed check card activity matches closely my check book records and there are about 8 NSF fees which are unfair.
If you are able to help I will be happy to send or fax a scanned copy of my check book and the copy of the check card activity, Here is the activity (logged in my check book which matches your check card activity) since March 01 and running balance:
I did not logged charges on the 16th of March and so on. As I am extremely disappointed, I am closing both accounts as soon as this matter is resolved. Hopefully your team is more receptive than on all the branches I went to show this.
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