I am so upset I could bite a nail. I gots to vent here:
[rant] Back in the mid-90’s I was dating a guy that worked at Suntrust bank and he talked me into moving my banking accounts to them. As a result (of the dating), I refinanced my house through Suntrust as well. In 1999, I had some things that had to be upgraded and fixed around the house so I took out an equity line of credit with them as well.
Just to fill you in on some things, I have a friend in the lending industry and he runs my credit at least once a year and it is excellent. I have never been late on any major payment of any kind since I bought my house (1992). All of my house payments and equity payments are paid online and usually paid a day or two in advance to the due date…not the “pay this amount after” date. BEFORE THE DUE DATE!
Well, I had paid the equity line down to a very small amount and over the summer again thought I would take from the equity line to pay off bills that had higher interest rates and just do things around the house. I didn’t max it out but it was close. We are talking less that $10,000 total. Since then, the amount of the loan payment is about $105 a month more than it was previously.
So, I pay all of my bills online that will allow me to pay and the equity line is one of those accounts. Keep in mind…this is a Suntrust loan using Suntrust as a bank account that is paying off the loan. My payment was due on January 18th…14 days ago. I didn’t update the loan amount (it just slipped my mind) in my online banking account so Suntrust was short paid by $105.
As you all know my uncle died last Friday and I was pretty much consumed with that over the weekend. However, I noticed that I had received numerous calls from an 804 area code on Saturday that matched a couple of calls that I had received last Wednesday and Thursday (6-7 days after the bill was short paid). I was just getting out of the shower this morning and the same number appeared on my caller ID so I answered.
The man on the other end of the line was a representative from Suntrust that demanded to know when I was going to make a payment and for how much. This hit me so hard that I started shaking I was so upset…I could understand if they had not been paid anything or if I had been a bad customer. Furthermore, there is enough money in my checking account to pay off the entire line of credit! But yet, it was important for them to demand a payment immediately. I would hate to be a bad customer for them. I still don’t understand why they didn’t approach me with saying they were going to remove the dollar amount from my checking account if they didn’t get a payment by a certain date. The man demanded an amount again and I hung up on him!
Needless to say, once I find a new job and get my finances flowing at a better rate Suntrust will no longer be my banking company! [/rant]
