• Report: #278395

Complaint Review: Suntrust Bank

Thank You

Read how Ripoff Report saves consumers millions.

  • Submitted: Thu, October 11, 2007
  • Updated: Fri, March 27, 2009

  • Reported By:Orlando Florida
Suntrust Bank
Po Box 85024 Richmond, Virginia U.S.A.
  • Phone: 800-SUNTRUST
  • Web:
  • Category: Banks

Suntrust Bank FCRA, FACTA, TINs AND SSNs ARE DIFFERENT ENTIES Richmond Virginia

*Consumer Suggestion: Social security numbers should be revealed by applicants.

*Consumer Suggestion: This is the Bush inspired Patriot Act

What's this?
What's this?
What's this?
Is this
Ripoff Report
About you?
Ripoff Report
A business' first
line of defense
on the Internet.
If your business is
willing to make a
commitment to
customer satisfaction
Click here now..

Does your business have a bad reputation?
Fix it the right way.
Corporate Advocacy Program™

SEO Reputation Management at its best!

COMPLAINT AS FOLLOWS WAS FORWARDED TO SUNTRUST BANK
AND THE IRS OFFICE OF PROFESSIONAL RESPONSIBILITY

Suntrust Bank
The foregoing complaint is also being forwarded to the
IRS
Office of Professional Responsibility
WA, DC

On October 11, 2007 I applied for private business
services with Suntrust Bank, PO Box 85024, Richmond,
VA 23285-5024
Using an assigned TIN number xxxxxxxxx, assigned by
the Internal Revenue Service, I applied for a checking
account, JOCELYN SHAW, via the online application
service.

The processing report came back stating that I had a
chexsystems report associated with my TIN number which
is inaccurate as of 10/11/2007.
FCRA AND FACTA PROHITS THE DISCLOSURE OR
LIBELOUS DISCLOSURE OF INACCURATE INFORMATION.

JOCELYN S****


CONSTRUCTIVE NOTICE
To: AGENT THEREOF
(Person being served)
Of: SUNTRUST BANK
(Name and address of Institution)
You are being made aware by this Constructive Notice
that it is a violation of Federal Law to refuse to:

(a) Open a non-interest-bearing bank account if the
party wanting to open the account does not provide a
social security account number or a taxpayer
identification number; or

(b) To provide your services to a client or potential
client because the client or potential client does not
provide a social security account number or a taxpayer
identification number.

You personally, and the Institution you represent, may
be liable for damages and attorney's fees.
In accordance with Section 1 of Pub. L. 93-579, also
known as the "Privacy Act of 1974," and Title 5 of
United States Code Annotated 552 (a), also known as
the "Privacy Act," you are being informed of the
following:

"The right to privacy is a personal and fundamental
right protected by the Constitution of the United
States. You may maintain in your records only such
information about an individual as is relevant and
necessary to accomplish a purpose required by statute
or by executive order of the President of the United
States."

Section 7 of the Privacy Act of 1974 specifically
provides that it shall be unlawful for any Federal
State or local government agency to deny to any
individual any right, benefit, or privilege provided
by law because of such individual's refusal to
disclose his social security account number.

"Right of privacy is a personal right designed to
protect persons from unwanted disclosure of personal
information..." CNA Financial Corp. v. Local 743 515
F. Supp. 942.
"In enacting Section 7 (Privacy Act of 1974), Congress
sought to curtail the expanding use of social security
numbers by federal and local agencies and, by so
doing, to eliminate the threat to individual privacy
and confidentiality of information posed by common
numerical identifiers." Doyle v. Wilson; 529 F. Supp.
1343.

"It shall be unlawful for any Federal, State or local
government agency to deny to any individual any right,
benefit, or privilege provided by law because of such
individual's refusal to disclose his social security
number." Doyle v. Wilson; 529 F. Supp. 1343.
An "agency is a relation created by express or implied
contract or by law, whereby one party delegates the
transaction of some lawful business with a more or
less discretionary power to another." State Ex Real.
Cities Service Gas v. Public Service Commission; 85 S
W. 2d 890.

If the Institution you represent is a Bank, you are
advised that if such Bank routinely collects
information and provides such information to Federal,
State or local government agencies, then such bank is
an agency of government.
The 1976 amendment to the Social Security Act,
codified at 42 U.S.C.A., Sec 301 et seq., 405(c)(2)
(i,iii), states that there are only four instances
where social security account numbers may be demanded.
These are:
For tax matters;
To receive public assistance;
To obtain and use a driver's license;
To register a motor vehicle.
You are advised that a non-interest-bearing account
does not pertain to any of the above. Because the
account pays no interest, there is no "need-to-know"
on the part of government.

In accordance with the Privacy Act of 1974, whenever
an agency fails to comply with the law, the party
wronged may bring a civil action in the district court
of the United States against such agency. Should the
court determine that the agency acted in a manner
which was intentional or willful, the agency shall be
liable to the wronged party in an amount equal to the
sum of:
Actual damages sustained, but in no case less than
$1,000; and
The costs of the action together with reasonable
attorney's fees.
Constructive Notice issued by:

JOCELYN
Orlando, Florida
U.S.A.


This report was posted on Ripoff Report on 10/11/2007 10:39 AM and is a permanent record located here: http://www.ripoffreport.com/r/Suntrust-Bank/Richmond-Virginia-23285-5024/Suntrust-Bank-FCRA-FACTA-TINs-AND-SSNs-ARE-DIFFERENT-ENTIES-Richmond-Virginia-278395. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.

Click Here to read other Ripoff Reports on Suntrust Bank

Search for additional reports

If you would like to see more Rip-off Reports on this company/individual, search here:

Search Tips
Report & Rebuttal
Respond to this report!
What's this?
Also a victim?
What's this?
Repair Your Reputation!
What's this?
REBUTTALS & REPLIES:
0Author 2Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Suggestion

Social security numbers should be revealed by applicants.

AUTHOR: I Am The Law - (U.S.A.)

I love this quote.... "Section 7 of the Privacy Act of 1974 specifically provides that it shall be unlawful for any Federal State or local government agency to deny to any individual any right, benefit, or privilege provided by law because of such individual's refusal to disclose his social security account number."

1974!

Alot's happened in those 35 years, my friend! There have been a lot of changes and this Act is pretty much null and void now. I personally agree with banks and credit agencies forcing people to give social security numbers before accounts are opened. Why?

1. It prevents accounts from being opened up for the wrong person by accident.
2. It catches people who are trying to "fly under the radar" when it comes to tax evasion, non-payment of child support, and garnishments.
3. It helps find people who are establishing accounts for nefarious reasons, such as funding terrorism or drug dealing.
4. It proves that you were indeed the person who wanted the account and opened the account. No more "I didn't open this account so I shouldn't have to pay for any of this.." I'm tired of indirectly paying for people who pull this type of scam.

As far as I'm concerned, the only reason some people make such a fuss about this is because they're trying to get away with something and they know that revealing their SS# on the application will basically get them busted. I guess that's what you meant when you said that your "privacy was being violated".
Respond to this report!
What's this?

#2 Consumer Suggestion

This is the Bush inspired Patriot Act

AUTHOR: K_yarb - (U.S.A.)

The Patriot Act actually requires banks to ask for SS# on ALL new accounts, along with valid ID.

Of course, this isn't the only law that it violates in regards to our privacy and rights-- just look at all the constitutional rights it violates.
Respond to this report!
What's this?
Report & Rebuttal
Respond to this report!
What's this?
Also a victim?
What's this?
Repair Your Reputation!
What's this?

Advertisers above have met our
strict standards for business conduct.



Ripoff Report Legal Directory