SunTrust Bank Bad customer service Tampa Florida

Seems your update didn't post until after I wrote the above comments, so there is some other items. Just note that I am not defending this bank, but trying to give you suggestions as to the actions to take. It would be the same advise if this was any other bank as well.

As you see from your update it did change from the $15 trial to her signing a contract for $30 a month, that you said she cancelled. Just based on how companies such as Tanning Salons work, I can almost guarantee that there was a provision in either the original contract or the cancellation paperwork that had an "early cancellation penalty". You keep saying that you are "pretty sure" you are out the $130. If you are saying that there is still more to this report and they have an authoriziation for the penalty in the form of the $130 charge. I am not sure why you are upset that they won't provide a provisional credit on something they would end up removing anyways.

Banks are not Courts or Judges, in that if the tanning salon provides sufficent proof of the authorization, they will side with the merchant. They do not get involved in "contract" disputes. You say you had a similar case, but it is impossible to say if it was the EXACT same situation.

If you are sure you are right your next step is to take the Tanning Salon to Small Claims Court. In court they need to provide proof of the authorization. If they have it your daughter will loose, and again makes any "provisional" credit from the bank meaninless. If they don't your daughter could prevail. If your daughter does prevail, not only would she get the money back, the court costs, but if she can be prove that that debit was the cause of any additional OD fees they could be held responsible for those also.

Most likely when your daughter signed up for a "trial" she actually signed a contract for tanning services. Gyms and Tanning salons are (in)famous for having you sign up for additional services.

The option #2 you say when they say did you visit a merchant and they charged more than you authorized. For example if you visit a store and have a receipt for $15 but they charged $150. In her case they most likely have a contract that says she agreed to pay them $130. So she DID authorize it.

As for "provisional" credits all banks handle them the same way. It appears by their call that this is what happened and they were not going to issue one because they would just be dening the claim anyways. If they deny the claim they remove the "provisional" credit without notice. So if your daughter spent it like it was permenant, once removed if this causes her to go into Overdraft they start hitting her with the OD fees. Then you would be here writing a report how they gave her the credit when they knew they were going to deny the claim just so they can charge her OD fees.

You don't say how old your daughter was, but since you are still on her account, are the one dealing with the bank, and writing this report I am figuring that she is younger. So if your daughter is under 18 you may have an "out" in that she can not legally enter into any contracts. This is still an issue with the Tanning Salon and not the bank however. If she is over 18 you can also have her take this as a lesson learned. In that she should never sign anything unless she fully reads and understands every line in the document. If she does not she needs to find someone who can explain it to her.

If you do want to still fight it your next moves are with the Tanning Salon. You need them to produce proof, in the form of a contract, that shows your daughter agreed to the $130 deduction.

The reason that I know that my bank provides the provisional credit while doing the investigation is because the same thing has happened to me, and my bank operates differently as far as handling fraud reports.
We have talked to the tanning salon and she even has a signed contract cancelling the subscription, still no money refunded. They charged the credit card $130 when if she had a monthly subscription, it should have been $30 a month for unlimited sessions. Nowhere in the contract did it contain the $130 month charge.
I am pretty sure that we are out of the $130, but find it as bad customer service the way the bank has handled this case.

Your daughter needs to double check the terms of that trial membership. By any chance, did it say that she would be charged for a longer membership if she didn't cancel within the trial period?

Lourdes, you need to take this up with the tanning salon, not the bank. The reason you should not get the money put into her account (a bad idea at this point) is that it's already been determined that the $130 isn't hers any longer; by your own words, the bank has already figured out your daughter spent the money. Don't count on the $130 being put into your account until you clear things up with the tanning salon. BTW - they should be the people you file a report against...not the bank.

Also, it is not considered fraud because the debit card itself did not have a limit placed on it, so this 'limit' you speak of is irrelevant. Just plan on your daughter's back to school spending should not include the $130 - end of story.

Finally, all banks are the same. If this was your bank, she would still be out $130. You can pick any bank out there - they are all the same, and they ALL operate the same way. Yes, even your bank. The only difference betwen banks is the name on the building. Don't believe me? Look up your bank on ROR and you'll see what I mean. They're all the same.

what do they have to contribute to this? signed contracts? have you contacted them?

what do they have to contribute to this? signed contracts? have you contacted them?

what do they have to contribute to this? signed contracts? have you contacted them?

what do they have to contribute to this? signed contracts? have you contacted them?

You need to argue with the tanning place and demand proof that she signed for a tanning package.

Your daughter went there for a $15.00 trial? My guess is your daughter didn't read what she was signing (thought it was the liablity disclaimer), or knew she signed up for a years worth of tanning and is now saying she has no idea.

Your complaint is with the tanning place and not the bank.