Complaint / review text:
I have been running 30 days late on my car payment. I admit this. This happened because in November 2007 I requested a one-month extension on my car loan. I was having major surgery and my husband wanted to be with me in Nashville. With limited resources, I had to request an extension.
At that time, Suntrust said NOTHING to me about having to request in writing (some form) for payments to be resumed.in fact, in the request that I faxed to Suntrust, I asked for the extension for December but requested that payments be resumed in January.
Now, take in consideration my husband (fairly new husband) knew nothing about our banking except I did tell him that I had all of our payments drafted from the account automatically. I have had a Suntrust account since 1994 - the account was initially mine.
My husband used the debit card to run household expenses while I was recovering. He knew how to check the balance on line, but that was about all and I assumed everything else was on autopilot.
For the next three months I was mostly flat on my back because of the surgery (home healthcare was coming in). On top of that I got the flu and was deathly sick. I can provide documentation of both.
I was totally unaware that Suntrust did not draft a payment in January.in January I honestly thought I would die from the pain and had little else on my mind — especially with having the flu on top of major surgery.
When I became aware of the fact that no payment had been deducted in January and that I had to sign a form to resume my payments it was when Suntrust called me. No one told me that before. And as I stated before, my fax to Suntrust said to resume payments in January. Anyway, by the time I was aware no payment had been deducted, I was already behind.
Bottom line, I have been running 30-days late since January 2008. I have explained to Suntrust that I am on disability and have limited resources and that I could not afford to make two payments in one month. The car payments are $301 per month. After all my bills are paid each month, I have $600 for living expenses. My husband is in sales and gets straight commission; so with today's economy — well you know where that is going. He has also not been able to work much because of medical problems.
I cannot/could not pay $600-plus during one month to catch my account up and Suntrust would not give me an additional extension because my account was past due.
In December 2008, Suntrust decided to deduct the past due payment on December 2 without notifying me. My social security check goes in the bank on December 3. Because Suntrust deducted the past-due car payment on December 2, I ended up having $175 in overdraft charges, plus Suntrust also deducted my December 3 car payment. A total of almost $778 in one month.
If Suntrust had just waited ONE DAY to withdraw the past due payment, my Social Security check would have gone in and the money would have been there. It would have really hurt to make a $602 car payment in one month (especially at Christmas), but it would not have resulted in an additional $175 in charges.
Also, Suntrust should have told me they were going to deduct the past due payment. Had they told me, I would have asked them to wait ONE DAY or have borrowed the money to cover the payment.
The biggest downfall was Suntrust making what they call a "Miscellaneous Debit" and it causing five small debits to be INSUFFICIENT FUNDS with a total of $175.00 charge against our account.
It is wrong to do anybody like this without telling them it is going to happen. Prior to this I have loved banking with Suntrust and have recommended Suntrust to others. I don't know what happened to common decency. I also feel what they did was wrong.