I have banked with Suntrust for almost 20 years now. I have never been a fan of their customer service but there financial products are some of the lowest cost I have found. 

I recently visited my local branch customer service person to request information about rates and terms on a cash-out home mortgage. I was required to provide my wife and my personal and financial information to obtain rates for their refinance product. In the process the person I was working with made reference to a CC promotion they were offering. I stated it sounded good but wanted to focus on the refinance inquiry. 

Long story short : The bank issued a CC to both my wife and I. Each credit card with a XXXX credit limit. I signed nothing, I asked for nothing and they issued it anyway!!! 

My wife and I have outstanding credit ( XXXX ) and debt to income ratio. We are debt free besides our home and the mortgage on an investment property we recently purchased. We are currently exploring purchasing an additional investment property. 

Suntrust has increased my available credit by XXXX without being asked to do so, and with no verbal or written request. Nothing was signed or filled out by my hand or my wifes!! HOW IS THIS LEGAL????? To make matters worse the cards issued were not even as described. The rates and terms were not as described by the banker. 

I went back to the branch and visited the manager who stated he would cancel the cards and have the activity expunged form my credit report. I do not feel comfortable asking Suntrust to act in my best interest and protect my Credit score. 

Do I have other recourse? The transaction was dirty and I feel at the mercy of a mega-bank who can act without consequences. Am I XXXX? 
