I have a number of family members and colleagues at work on whose behalf I 'm filing this complaint. They all live in the XXXX area ( just like I do ) and have been customers of SunTrust for years. Many of them also enjoyed travelling, so they got the XXXX XXXX debit card years ago. It was advertised by SunTrust as a debit card linked to a checking account that could be used for debit ( PIN-based ) and credit transactions at all merchants that accept debit/credit cards. Further, the advertisement clearly stated that XXXX mile was to be earned for every dollar spent with both PIN-based and credit based transactions. The card further carries a $ 75 yearly fee. 

My family members and friends who have this card have used it in the normal course of their daily lives and made no unusual purchases. However, some of them had seen an increase in their purchase amounts over the last year due to home renovations and the purchase of cars with their card ( neither of which are prohibited transactions or transactions not allowing for the earning of miles per the SunTrust terms and conditions ). As a result, some of these folks have earned a considerable amount of miles over the years. 

What I 've been told is that several of them had had their debit cards and related checking accounts with SunTrust closed lately while others had their accounts renewed with a regular debit card and not a XXXX debit card. I 've looked into this a bit from a legal perspective and it appears to me this is a violation of the law commonly referred to as bait and switch. SunTrust uses advertising that they know is wrong to get customers to sign up for their card and then, once those customers earn what SunTrust deems are too many miles, the bank closes their account. 

I 've spoken to SunTrust representatives at XXXX branches and they were finally able to research and reveal the SunTrust employees responsible for this action. Their names are XXXX XXXX who reports to XXXX XXXX who, in turn, reports to XXXX XXXX. These XXXX folks are the primary driver behind this ongoing wave of closure. 

I would ask that SunTrust look into this, honor its advertisement, stop closing accounts, and educate its employees on the rules and regulation out there. Clearly, the SunTrust employees mentioned above are in no condition to judge on the legality of SunTrust 's actions as they appear to have no regulatory background. 

Regards ; XXXX 
