I had an auto loan with SunTrust Bank since 2004. In July 2009 I made the 60th payment (the last payment according to the loan agreement for a total of $66, 000). I then start getting calls from SunTrust stating that I still owe $3300! They said I had over 20 late fees and interest on the late fees. Never once in 5 years did SunTrust notify me that a late fee was charged to my account.
I always mailed my payments in and allowed plenty of time for it to reach them. On the account statement that they sent me, the late fee was charged on the 22nd of each month and wouldn't you know it-my payments always posted on the 23rd.
I have sent them all of the copies of every check that was written for the loan and bank statements. They are unwilling to work this out. They are now threatening to repo the truck and report me late to the credit bureaus unless I pay them this $3300 immediately.

It is absolutely criminal that banks do this. I am the third person in my community that has had the exact thing happen with SunTrust.

On June 5th 2009 Suntrust charged my checking acct. $5.95 for a pc banking fee but then on June 8th they had refunded it back to my acct. Now I don't use the pc banking and I use online banking to view my acct. and a vehicle loan that I have through them. Pc banking is where you use sofware like quicken or microsoft money to download your statements. I rarely use my suntrust acct. and when I opened up the acct. with them they used part of my opening deposit towards a bunch of checks that I will never use which I have never even wrote the first one. Once my loan is paid off I am going to close my acct. and also they will charge $20 fee for that.

Please refund $31.95 back to my checking account it caused my account to be over drawn, confirmation on my account #3783416

We have been banking with Suntrust for over 30 years, and Suntrust don't give a rats tail about any of their valued clients. Well where do I start about all the rude, unfair, bunch of idiot's high up that make all the decisions on charging 35.00 on people if their 1.00 minus before their check clears. All the decision makers are out playing golf and using money that's not their's living the good life. They need to be stuck in the ass like all their so called valued customers.
Our daughter changed bank's because of the rip offs, STEALING money that IS NOT their's.
I get paid once a month and it get's tight toward the first of the month, and Suntrust took 35.00 because I was 17.00 minus before I made my deposit. That is STEALING...
Oh not to mention when I was building my house they were my best friends when I was depositing 40, 000. in our building account. In all 317, 000.00. Suntrust enjoyed using my money, but when all was said and done, when things got tight, Suntrust took so much NSF's it was sick. I even called to see if they could take these off and they said they could only take one off. That is a bunch of B S. Even that over draft protection is a bunch of B S.
I will be changing banks, after almost 30 years of banking with Suntrust. And I make lots of deposits, but no more of Suntrust STEALING my hard earned money. Suntrust is rich from taking people's money for NSF's. Ever who made this decision to do this to people, and I know it come's from high up there from the board of Suntrust. I would love to talk to one of the owner's of Suntrust. Or even better I would like to change position's with them, and let them see what real work is that a real man does. Even getting their hand's and finger nails dirty.
To make a long story short, I could go on and on, these NSF's should be done away with. Because that is absolutely STEALING PEOPLE'S MONEY!!!
That's only one thing mistake's made screws up people's account's to. And I know money has been took out of my account someway also. I made a 17, 000.00 deposit and I kept up with every cent, but my balance and Suntrust's balance was ungodly incorrect, but Suntrust can alway's make themselves come out alway's correct.
I have no respect for this Suntrust Company. They are SCAMMER'S and STEALER'S.
I will give this Company the worst name of everyone I come across.
Not to mention we had 4 account's there. No more though I'm done with this RIP OFF company...
I will be closing all my account's there this week.
Suntrust is BLOODSUCKING CROOK'S...

Suntrust Bank and I have heard that others do it as well, but I only have actual experience with Suntrust. When an account go nsf, the bank holds electronic transactions and small debits to your account and Processess the largest transactions first. The time span varies with slightly with the posting deadline, ie weekday or weekend, but they post the largest transactions so they can charge you a $35 fee for each of the smaller ones.

Example. I wrote a check for $100 and did not log in in the register. Later that week when the check was posted to the account, I watched as they withdrew 8 minor transactions and processed the check. Then they reprocessed the small transactions, $3.95, $8, 00, $14.75, $22.00, $5.50, $6.69, $10 and $5.79 and charged me $35 each. Count them, They charge me $280 rather than process charge me $35 for the check, which by the way came in last.

I had verified the balance earlier that day to see if I had enough to make a purchase. I decided not to make the purchase because the balance was low. On my electronic statement, the check had not been presented. The following day, I watched as they withdrew my paid debits, posted the check and then paid the electronic debits again and charged me $35 each time. Letters to everyone in the bank here in Atlanta, in Florida and two other cities yielded no positive results.

the first time it happened, it was only one fee. But the second time, I saw the technology in action and closed my account. We are still in dispute about the debt.