I accepted Suntrust bank overdraft protection after reading their disclosure statement and what I needed to know about overdrafts and overdraft protection. In their statement it says : " An overdraft occurs when you do not have enough money in your account to cover a transaction, but the bank pays it as a courtesy. Suntrust can cover your overdrafts in two different ways '' : 1. We have standard overdraft practices that come with your account 2. They offer overdraft protection plans. 
It continues : " You will incur a fee of up to {$36.00} each time an overdraft is paid. '' On XXXX/XXXX/2015 my available balance was XXXX and my balance was XXXX. Since XXXX was the last business day until XXXX/XXXX/2015 all transactions made by me with my debit card would show as pending. My total charges from XXXX/XXXX/2015 thru XXXX/XXXX/2015 totaled XXXX against a balance in my account of XXXX. On the morning of XXXX/XXXX/2015 I received an e-mail from Suntrust informing me I had an available balance of XXXX. So all charges showing pending throughout the Holiday week-end would be paid with funds showing in balance of XXXX. Therefore none of those charges should have been charged an overdraft fee. 
Then at XXXX on XXXX/XXXX/2015 I was left without options and if not paid the utilities were due to be cutoff first thing Tuesday morning XXXX/XXXX/2015, so I used my debit card online and paid the utility bill. Well rather than doing what I have been told by several Suntrust employees a pending transaction amount is deducted from available funds so to pay transaction when presented by merchant. That 's not was done. They treated all transactions that were pending as if they came after the XXXX utility charge thus overdrawing the acoount and charging XXXX overdraft charges. There was never an overdrawn acccount. All charges authorized by me before XXXX were done with the available funds. Furthermore based on Suntrust documentation there was never an item presented without sufficient funds. I had the original XXXX available and when the XXXX was presented for payment on XXXX my direct deposit had posited. 
I feel Suntrust is very deceptive in its business practices. They do not adhere to their own disclosures. As a consumer how can you do business when they control your money and once seized by them it is impossible to have returned 
