At SunTrust right before Christmas I had saved and saved, and deposited money for me to go shopping for my wife and 3 small kids presents. In June we lost our home to foreclosure (and it was only 60 days late). We had a 2nd with SunTrust. Well we had no money to pay the 2nd so I let them know I was fileing bankruptcy. Instead, SunTrust wiped out my checking acct without notice. And NO ONE ever told me they could just take money. They left me with $100 for 4 people's christmas. I made it work but how is this practice legal? How is this consumer protection? If I choose not to pay a debt - it is my money and I can do what I want to with it. I immediately closed the acct. At BB&T - I was in dispute on a old checking acct that I oredered to be closed yet BB&T allowed charges to continue. I was in the hopital 3 times in a row so 3 months went by before I discovered they had allowed $700 in stuff to come through and charged me $700 in fees. This was in dispute and instead - they found a 15 year old account that was my grandmothers. They took $900 out of a 94 year old lady's account because my name was a beneficiary!!! Or a secondary owner. That account was opened with another bank that was taken over by BB&T. They cannot provide me with proof that I agreed to these terms. I guess they can just make up their own rules and if you keep your account you are forced to agree with it. How is this consumer protection?