SunTrust Bank Bank Account Or Service Complaint

SunTrust Bank Bank account or service department,

Checking account Problems caused by my funds being low Georgia

I accepted Suntrust bank overdraft protection after reading their disclosure statement and what I needed to know about overdrafts and overdraft protection. In their statement it says : " An overdraft occurs when you do not have enough money in your account to cover a transaction, but the bank pays it as a courtesy. Suntrust can cover your overdrafts in two different ways '' : 1. We have standard overdraft practices that come with your account 2. They offer overdraft protection plans. It continues : " You will incur a fee of up to $36.00 each time an overdraft is paid. '' On -/-/2015 my available balance was - and my balance was -. Since - was the last business day until -/-/2015 all transactions made by me with my debit card would show as pending. My total charges from -/-/2015 thru -/-/2015 totaled - against a balance in my account of -. On the morning of -/-/2015 I received an e-mail from Suntrust informing me I had an available balance of -. So all charges showing pending throughout the Holiday week-end


Then at - on -/-/2015 I was left without options and if not paid the utilities were due to be cutoff first thing Tuesday morning -/-/2015, so I used my debit card online and paid the utility bill. Well rather than doing what I have been told by several Suntrust employees a pending transaction amount is deducted from available funds so to pay transaction when presented by merchant. That 's not was done. They treated all transactions that were pending as if they came after the - utility charge thus overdrawing the acoount and charging - overdraft charges. There was never an overdrawn acccount. All charges authorized by me before - were done with the available funds. Furthermore based on Suntrust documentation there was never an item presented without sufficient funds. I had the original - available and when the - was presented for payment on - my direct deposit had posited. I feel Suntrust is very deceptive in its business practices. They do not adhere to their own disclosures. As a consumer how can you do business when they control your money and once seized by them it is impossible to have returned