Suntrust bank created a situation where they forced an over draft coverage on an account that has no over draft coverage. I reminded the bank that there is no overdraft coverage on the account and that federal law prohibited over-drafting with out the consent of the customer. I have never given my consent for overdraft coverage, and was clear, that if I do not have available funds in the account, then decline the transaction for insufficient funds. Suntrust runs algorithms on the account to create overdrafts and then manufacture debt. This is a clear violation of the federal law. 
On Friday the XXXX of XXXX after XXXX there was a positive balance. However on Monday the XXXX the bank is claiming that an over draft occurred and I was penalized for it. 
The facts are the bank manufactured the debt by providing overdraft coverage when non existed. The provided overdraft for XXXX debit transactions, 1 ) for XXXX and 2 ) for XXXX, when the transactions should have been declined for insufficient funds. That would have left enough of a balance to cover the internal transfer and alerted me of a low balance so that I could have transferred more money into the account. 

By applying overdraft coverage on an account that had no such coverage Suntrust created a negative balance then fined me for being unable to make a XXXX dollar internal transfer as is the practice of the bank to do on the XXXX of the month. Suntrust created a debt where non existed. 
