Suntrust Bank Lost payment and bank fees Internet

The original check that was put in the night drop box was not cashed until 6 1/2 months later. I replaced the original with another after about 6 weeks of their constant phone calls.  They cashed the original without letting me know 6 1/2 months later.

I didnt cancel the check , as I know I should have, due to the fact that it would have cost me another $30.00 in fees from my bank along with the already added late fee from  Suntrust of $30.00 . I am unfortunately one of the working class people that live pay to pay with nothing to spare, so that little bit of money means a lot to me. I went online and printed off a copy of the original check and took it to the branch and showed them that 6 1/2 months had passed since the check had been put into the night drop box. I told them that I wanted to know where that check had been all of this time . They told me they would look into it  but I have never received an answer.

You first stated that you made the payment by check and the money was taken out of your Regions Bank Account.  But later you say that this original check was "cashed" 6 1/2 months later.  Just how was it cashed again if the money was already gone from your account?

The only way the money would have been taken out when you first dropped it off is if SunTrust submited the check.  Did you try to get a copy of that check to show that it was paid?

Why wasn't the original check that the bank claims was lost, canceled? I ask this because when you re-write a check to cover a lost one, the old one is supposed to be cancelled in case it was stolen or found later and someone attempts to cash it, which it seems this bank actually did. Even if you overlooked this, the bank should not have.

And when they finally found the check they lost and cashed it, what is the date on the check? You should be able to find a copy online, or go to the bank and they should print it out for you. They may charge a fee for this as well, but if it helps your case it is worth it.

I ask this because it could help prove your case, and even though the bank may claim too much time has passed for them to do anything, if it ends up the reason it took too much time is the fault of the bank, they legally have to make good, which would include returning all fees associated.