SunTrust Bank $4,000 in Overdraft Fees Atlanta Georgia

I would just like to add, rather than using automatic debits from a creditor, set up payments on your own bank's bill pay system. By doing this, you retain control, i.e. you decide when the payment is made, and you can cel an automatic payment if finances don't allow it.
Even more important is the fact that you are not divulging your banking information to a creditor and giving them control over your account.

The Regional Manager refused to help regarding my account. I've had to dig deep into other family funds to pay off this account. I've told him that I plan to move my accounts out in the near future.

I'm hugely pissed off, but whoever reads this please remember:

1) Automated draft - don't use, unless you are certain as to the date and the amount of every account which drafts checking, be that your rent/mortgage, credit card, electricity, cable, etc. These services exist as a convenience to the *biller*, NOT YOU.

2) If you don't have enough funds at draft, you pay *two* sets of penalties each time - one large fee to the bank, one large fee to your biller.

3) If short on funds, it may be better to pay late, and avoid automatic drafts. Don't play with this. I've learned the hard way.

4) My extreme situation came from an out-of-control personal life, where I am very busy caring for my family. The odds of any of you dealing with my level of calamity are very low.

5) Open up an account with your local credit union; if not available, a small local banking firm. There is at least one bank advertised online that charges no overdraft fees, I can't remember the name - you may want to google it.

6) If you have automated drafts - go through the last 2 months of bank statements, and make a list of all the payees and amounts debited by draft. Either make a list of them to yourself and/or stop the automated drafts.

7) If not practical or possible to eliminate the drafts (some monthly subscription services) list them out and put that list in your checkbook.
Make a note every month of the amount of the payee name.

8) Your big bank *does not care* about having you and your business. They make much greater income on large business accounts, with large amounts of cash. Keep this in mind.

Thanks To Any and All Readers
Warren

I've now been told that the branch manager and others will be responding at some point in the near future.