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LightStream: reviews, terms and availability (2021)
LightStream is a loan provider that offers loans to meet a wide variety of customer needs. If you have good or excellent credit and are looking to purchase or refinance a vehicle, an auto loan from LightStream may be a good option for you.
This article will provide an in-depth look at LightStream reviews and explain the company’s application process and products. We at the Home Media reviews team recommend reaching out to multiple loan providers to help you find the best lender and interest rate for your situation.
LightStream is the online consumer lending division of SunTrust Bank, which has been in business for 130 years. SunTrust recently merged with BB&T Bank to become Truist Bank, the sixth-largest bank holding company in the United States.
Borrowers can get LightStream loans for various purposes, including auto purchases, home improvement projects, timeshares, swimming pools, boats, debt consolidation and medical bills.
LightStream is currently headquartered in San Diego and offers its services across the nation.
High loan amounts
Loans may not be approved for those
with bad credit
Poor customer service reputation
Various loan types available
Loan terms up to 12 years
LightStream auto loan details
A LightStream auto loan will allow you to purchase a new or used car or refinance your current auto loan. The online lender directly deposits funds into your account, allowing you to better negotiate with a private seller or dealership.
Here’s a closer look at what LightStream offers with its loans:
Loan amounts range
$5,000 to $100,000
Annual percentage rate (APR)
2.49% to 9.49% (with auto pay discount)
2 to 7 years
Late payment fee
Prepayment penalty fee
Your LightStream auto loan terms will depend on several factors, including:
- Loan purpose
- Term length
- Your credit profile
- Payment method selected
The loan provider also offers its Loan Experience Guarantee. If you’re not satisfied with your experience after getting a loan, LightStream will send you $100 if you complete a questionnaire about how it can improve. This guarantee expires 30 days after you receive your auto loan.
Who is eligible for LightStream auto loans?
Anyone can apply for a LightStream auto loan. The loan provider does not have any limits or personal restrictions on the type of vehicle you purchase. There is also no application fee.
LightStream does not explicitly state any minimum income or minimum credit score requirements. However, it does state on the loan application that you must have good credit to apply. The company defines a person with good credit as having:
- Several years of credit history
- A credit history with a variety of account types
- Good payment history with few, if any, delinquencies
- An ability to save
- A stable and sufficient income
Consumers with a good or excellent credit history will typically be approved by the company, while those with bad or poor credit history are more likely to be turned down.
LightStream application process
LightStream has a three-step application process for consumers before they can be approved. The loan process is completed online and follows these steps:
- Apply online:You will need your Social Security number, driver’s license number, work history and housing information to complete the online application. You must also submit the repayment terms you want, including the term length and the amount you want to borrow.
- Accept the loan agreement:If you are approved for a loan, you must e-sign your loan agreement to set your loan up for funding. You must also provide a valid Mastercard or Visa credit card for verification purposes.
- Use your loan:You can get your loan funded as soon as the same business day you apply.
If you want to wait to receive your funds, you have 30 days from the date of approval to receive them.
During the loan process, you will also be asked to set up auto pay. If you opt to use auto pay, you will receive a discount of 0.5 percentage points off your APR. If you choose to pay by invoice instead, your APR will increase by 0.5 percentage points.
Your LightStream loan can only be used for the reason you stated in your loan application.
LightStream reviews from customers and its rating from the Better Business Bureau (BBB) can only be found on the BBB page for the company’s parent, Truist Bank. Truist is accredited by the BBB and holds an A+ rating, and reviewers give the company a nearly 1.1-star rating out of 5.0.
The loan provider has responded to over 900 BBB complaints in the past 12 months. While this may seem like a big number, it’s minimal compared to the 12 million households Truist serves. Common complaints include overcharging and difficulty getting issues resolved.
LightStream has a 2.1-star rating out of 5.0 on Trustpilot, where several customers say they were rejected for loans despite having excellent credit.
Positive LightStream reviews
Our team looked at 50 customer reviews as a sample size on the BBB website and found that 4% of reviews were positive. Happy customers stated that they were impressed with how quick the car loan approval process was and that there were no fees. Other positive customer reviews thanked the company for its documentation process and quick deposit of money into accounts.
Negative LightStream reviews
Out of the 50 reviews our team looked at on the BBB website, 96% showed a one- or two-star rating for LightStream. Negative LightStream reviews mainly centered on the company’s recent merger with BB&T Bank. Customers complained about being on the phone with customer service representatives for hours with no solution and having issues with the Truist online banking system and mobile app.
Our team reached out to LightStream for a comment on its scores and negative reviews but did not receive a response.
How we rate LightStream
We give LightStream a score of 6.5 out of 10.0. The loan provider offers low rates for consumers and large loan amounts since it is part of an established and reputable bank. However, the company has many negative reviews across consumer websites like the BBB and Trustpilot. Note that this number is low in comparison to the number of consumers the lender serves.
FAQ: LightStream reviews
- Is it hard to get approved by LightStream?
It is not hard to get approved by LightStream if you meet its loan eligibility requirement, which is having good credit. If you do not have established credit or solid work history, you may not be approved for a LightStream personal loan.
- Does LightStream hurt credit?
Applying for a LightStream loan — or any type of credit — may temporarily lower your credit score.
- Is LightStream owned by Suntrust?
Suntrust merged with BB&T in 2019 to become Truist Bank. Truist now controls LightStream and is one of the reasons the loan provider can offer competitive rates and long term lengths.
Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best auto loan companies. We collected data on dozens of loan providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the companies that scored the most points topping the list.
Here are the factors our ratings take into account:
- Reputation (25% of total score): Our research team considered ratings from industry experts and each lender’s years in business when giving this score.
- Rates (25% of total score): Auto loan providers with low APRs and high loan amounts scored highest in this category.
- Availability (25% of total score): Companies that cover a variety of circumstances are more likely to meet consumer needs.
- Customer Experience (25% of total score): This score is based on customer satisfaction ratings and transparency. We also considered the responsiveness, friendliness and helpfulness of each warranty company’s customer service team based on our shopper analysis.
*Data accurate at time of publication.
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SunTrust Banks, Inc. was an American bank holding company with SunTrust Bank as its largest subsidiary and assets of US$199 billion as of March 31, 2018. The bank's most direct corporate parent was established in 1891 in Atlanta, where it was headquartered.
As of September 2016, SunTrust Bank operated 1,400 bank branches and 2,160 ATMs across 11 southeastern states and Washington, D.C. The bank's primary businesses included deposits, lending, credit cards, and trust and investment services. Through its various subsidiaries, the company provided corporate and investment banking, capital market services, mortgage banking, and wealth management — with nearly 24,000 employees. In 2013, it was ordered to pay $1.5 billion "to resolve claims of shoddy mortgage lending, servicing and foreclosure practices," and it reached a preliminary $968 Million settlement with the US government in 2014.
In February 2019, SunTrust Banks announced its pending purchase by BB&T for $28 billion in an all-stock deal, creating the sixth largest U.S. lender, being the biggest bank deal since the 2007-2008 financial crisis. On December 6, 2019, the merger between BB&T and SunTrust closed, forming Truist Financial Corporation. The two banks continue to operate separately, while merging their operating systems.
Trust Company of Georgia
On September 21, 1891, SunTrust's most direct corporate ancestor, the Trust Company of Georgia, was granted a charter by the Georgia General Assembly as the Commercial Travelers' Savings Bank of Atlanta. The founders were John M. Green, Joel Hurt, H. L. Atwater, W. A. Hansell, T. J. Hightower, J. G. Oglesby, J. D. Turner, John B. Daniel, Joseph Hirsch, Leon Lieberman, Louis Wellhouse, A. J. McBride, D. O. Dougherty, W. A. Gregg, W. W. Draper, A. C. Hook, W. T. Ashford, George W. Brooke, C. I. Branan, and C. D. Montgomery.
In November 1893, it restructured as a trust company and renamed itself Trust Company of Georgia.
The earliest predecessor of Sun Bank was founded in 1911 as The People's National Bank in Orlando, Florida. In 1920, it became the First National Bank. In the early 1930s, during the Great Depression, the First National Bank and Trust Company failed. It was reorganized on Valentine's Day 1934 as the First National Bank at Orlando. In 1973, the bank merged with other Orlando banks to become SunBanks. As of December 31, 1973, it had three bank-related subsidiaries and total assets of $1.713 billion.
In the early 1980s, the bank pursued further mergers, positioning itself for the state of Florida to eventually allow interstate banking. It incorporated 81-year-old Hillsboro Bank, based in Plant City, an institution with $150 million in assets and then the third-oldest state-chartered bank. It also bought Florida State Bank of Tallahassee, with which it had tried to merge with in 1973, when the economy soured.
In May 1983, Sun announced a deal for Miami-based Flagship Bank Inc., with $3.3 billion in assets, that positioned Sun to be one of the Florida's largest bank holding companies. The Flagship deal was the seventh struck by Sun in less than a year.
Trust Company of Georgia merger
In 1985, Trust Company of Georgia and SunBanks merged to form SunTrust Banks, Inc. The merged company was headquartered in Atlanta, and continued to operate as Trust Company Bank in Georgia and Sun Bank in Florida.
The newly merged company made its first major deal a year later, when it purchased Third National Corporation of Nashville. However, it continued to use the Third National name in Tennessee. In 1995, SunTrust retired the Trust Company Bank, Sun Bank and Third National names and rebranded all of its banking subsidiaries as SunTrust.
SunTrust purchased Crestar Financial Corporation of Richmond, Virginia in 1998, expanding the company's footprint into Virginia, Maryland, and the District of Columbia. Crestar was founded in 1865 as State Planters Bank of Commerce and Trusts in 1865, becoming United Virginia Bank in 1969 and Crestar in 1987. Crestar's (and SunTrust's) earliest predecessor, Farmers Bank of Alexandria, was founded in 1811.
In 1988, Suntrust was added to the S&P 500 Stock Price Index.
In 2001, SunTrust purchased the institutional businesses of the Robinson-Humphrey Company, LLC. creating SunTrust Robinson-Humphrey.
The company bought Memphis-based National Commerce Financial Corporation (NCF) for $7 billion in 2004. The bank operated as National Bank of Commerce in South Carolina, Tennessee, Mississippi, Arkansas, Alabama, Georgia, Virginia, and West Virginia and as Central Carolina Bank and Trust in North Carolina. This acquisition allowed SunTrust to enter Alabama, the Carolinas, and West Virginia for the first time, and substantially increased its footprint in the other states.
In 2013, the bank led a bank group that included Fifth Third Bank and Florida Community Bank that helped finance the acquirement of BEL USA, the parent company that owns DiscountMugs, by Comvest Partners, a private equity firm.
In 2014, SunTrust announced it would launch a medical specialty group to work with independent medical practices.
On September 16, 2014, the Atlanta Braves announced the name of their new Cobb County stadium: SunTrust Park. SunTrust Park, which is expected to be unveiled in time for the first pitch of the 2017 season, will serve as the new home of the Atlanta Braves. The $1.1 billion construction project in Cobb County will include restaurants, shops, offices, a hotel, and residential spaces directly connected to the park. The Braves organization is making history by building out the development at the same time the stadium is being constructed.
The Robinson-Humphrey Company
The Robinson-Humphrey Company, one of Atlanta's oldest and important companies, was acquired by SunTrust in 2001. However, SunTrust had long coveted Robinson-Humphrey, reportedly having pursued it for more than 80 years. Trust Company of Georgia, the oldest progenitor of SunTrust, was rebuffed in an effort to buy Robinson-Humphrey in 1917.
The firm was founded as a municipal bond shop by Roby Robinson in 1894. Robinson and William G. Humphrey, a bond trader from Toledo, Ohio, eventually incorporated The Robinson-Humphrey Co. in 1902. It blossomed into the leading investment banking firm in the South under Chairman Justus Martin Jr., who helped broaden its ties to Atlanta corporations, European clients and the firm's wealthy families who were brokerage clients. Martin was at the helm when Robinson-Humphrey commissioned the building of the bold Atlanta Financial Center in city's tony Buckhead business district in the early 1980s.
In 1982, Martin sold Robinson-Humphrey to American Express, which was then run by another Atlanta deal maker and fellow Georgia Tech grad, James Robinson (no relation to Roby Robinson). Under AmEx, the firm operated as part of Shearson Lehman Brothers Inc. In 1993, deal maker Sandy Weill orchestrated a deal for Shearson's retail division, and Robinson-Humphrey was included in the sale, using the Smith Barney unit of Primerica Corp.
Truist Financial Corporation
On February 7, 2019, BB&T Corporation reported that it would acquire SunTrust to create the sixth-largest US bank, with assets of $442 billion and market capitalization around $66 billion. BB&T will be the nominal survivor, but the merged bank will be headquartered in Charlotte under a new name, Truist Financial Corporation. However, Truist will retain significant operations in Atlanta. It was subsequently announced that Atlanta will be Truist's headquarters for wholesale banking, while Winston-Salem will be the headquarters for community banking. This could mean more jobs in both cities. SunTrust had been the last major bank headquartered in Atlanta, which had been the South's financial capital for much of the 20th century.
The merger closed on December 6, 2019. On that day, SunTrust Bank merged into BB&T's banking unit, Branch Banking and Trust Company, forming Truist Bank as the merged company's legal banking entity. However, the merged bank will continue to operate under the BB&T and SunTrust names until the two banks' systems are combined, a process that could take up to two years. Customers of either company will be able to use the other's ATMs without charge during the process.
Pre-Merger operations and structure
The company operated three primary business units: Consumer Banking & Private Wealth Management, Wholesale Banking, and Mortgage.
|Business Line||Percentage of Revenue|
|Corporate & Investment Banking||20%|
|Commercial & Business Banking||14%|
|Private Wealth Management||12%|
|Commercial Real Estate||3%|
As of September 2016, SunTrust Bank operates 1,400 bank branches and 2,160 ATMs across including Alabama, Arkansas, Florida, Georgia, Maryland, Mississippi, North Carolina, South Carolina, Tennessee, Virginia, West Virginia, and Washington, D.C. The bank announced in 2018 that it will close its last five West Virginia branches, all in Kroger stores.
|William H. Rogers Jr.||Chairman, President and CEO||2011 – 2019|
|James M. Wells III||Chairman, President and CEO||2007 – 2011|
|L. Phillip Humann||Chairman, President and CEO||1998 – 2007|
|James B. "Jimmy" Williams||Chairman, President and CEO||1990 – 1998|
|Robert M. Strickland||Chairman/SunTrust; president of Trust Company in 1973||1978 – 1990|
On April 21, 2011, William H. Rogers Jr., began a transition into the CEO role previously held by Jim Wells, who retired December 31, 2011. Formerly SunTrust's COO, Rogers assumed the title of CEO on June 1, 2011. Rogers had been named President in 2008. At that time, the current Chief Financial Officer (CFO) is Aleem Gillani was named in April 2011.
In 2015 and 2016, two corporate treasurers have gone on to become CFOs at large regional banks, including Kevin Blair at Zions Bancorporation and Paul Burdiss at Synovus, and a unit strategy head, Inder M. Singh, became CFO at IT firm Unisys.
Relationship with Coca-Cola
SunTrust had a long-standing relationship with The Coca-Cola Company. In 1919, Ernest Woodruff, president of the Trust Company from 1904 to 1922, and W. C. Bradley bought The Coca-Cola Company for $25 million and restructured. The Trust Company of Georgia helped underwrite the initial public offering, accepting shares of Coke in exchange for its services. Four years later, his son, Robert W. Woodruff, was elected Coca-Cola's president, a title he would hold until 1954 and was a board member until 1984.
As a result, SunTrust owned 48.3 million shares (3.58%) of Coke as of 2006, which had a GAAP cost basis of $110,000. In addition, the original copy of the formula for Coca-Cola was stored in a safe deposit box of an eventual SunTrust location in Atlanta (originally a Trust Company Bank location) from 1925 to 2011. It was eventually moved to a purpose built vault in the World of Coca-Cola, also in Atlanta.
Over the years, Coca-Cola executives would sit on SunTrust's board of directors and SunTrust execs would sit on Coca-Cola's board.
SunTrust started to divest Coke shares in May 2007, when it sold 4.5 million, or 9% of its position. In 2008, the bank sold another 10 million shares, donated 3.6 million to SunTrust's charitable foundation, and crafted a plan to sell more shares in 2014 and 2015.
However, in September 2012, SunTrust sold all of its Coke shares at the behest of its primary regulator, the Federal Reserve. SunTrust was forced to resubmit its capital plan – known as Comprehensive Capital Analysis and Review (CCAR) – after it failed part of the stress test in March 2012. The Coke shares (or any stock holding) held by SunTrust would weigh on the bank's capital ratio under new capital rules within Basel III. Thus, SunTrust decided to accelerate its plan and sold the Coke shares earlier than expected.
2014 National Mortgage Settlement
In 2014, the Federal government together with state attorneys general in 49 states and the District of Columbia reached a settlement requiring SunTrust Mortgage, Inc., to provide $500 million in various forms of relief to mortgage borrowers. The United States District Court for the District of Columbia entered the Consent Order on September 30, 2014. The consent order addressed SunTrust's alleged misconduct regarding its mortgage servicing and foreclosure practices. SunTrust was also required to create a 40 million dollar fund for the approximately 45,000 SunTrust borrowers who were foreclosed upon between January 1, 2008 and December 31, 2013. In addition, SunTrust was required to adhere to significant new homeowner protections. The consent order required that SunTrust follow the servicing standards set up by the 2012 National Mortgage Settlement (NMS) with the five largest banks.
In September 2015 SunTrust laid off one hundred IT professionals with a controversial severance agreement clause by SunTrust that required laid-off employees to be available to help without pay for a period of two years. On October, 23rd Suntrust reversed course and removed the clause: "to make myself reasonably available to SunTrust regarding matters in which I have been involved in the course of my employment with SunTrust and/or about which I have knowledge as a result of my employment with SunTrust."
Buildings and branches
Located at 200 South Orange Avenue, The SunTrust Center is the tallest building in downtown Orlando, Florida. The 35 story, 650,000 sq ft (60,000 m2) building was constructed in 1988 at a cost of approximately $100 million. It is constructed of reinforced concrete and granite with marble finishes and features 17 elevators.
Fifteenth and New York Branch in Washington, D.C. (2018)
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- ^Zibel, Alan; Johnson, Andrew R. (June 17, 2014). "U.S. Reaches $968 Million Mortgage Settlement With SunTrust". The Wall Street Journal. Retrieved October 27, 2018.
- ^ ab"BB&T and Suntrust to combine in an all-stock merger of $66 billion". CNBC. Reuters. February 7, 2019. Retrieved February 7, 2019.
- ^"BB&T-SunTrust merger creating Truist Financial set to close at midnight". www.bizjournals.com. Retrieved 2019-12-07.
- ^ ab"Historical Highlight". SunTrust.com. Retrieved 23 September 2016.
- ^ abGarrett, Franklin M. (1969). Atlanta and environs : A Chronicle of Its People and Events, 1880s-1930s. Athens, Ga.: University of Georgia Press. p. 235. ISBN .
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- ^"Sun Bank Earnings Reported". Lakeland Ledger. February 12, 1975. Retrieved 23 September 2016.
- ^ abStuart, Reginald (May 16, 1983). "FLORIDA'S BANK-MERGER SPREE". The New York Times. Retrieved 23 September 2016.
- ^"Institution History for TENTH & MAIN BRANCH (47920)". Federal Financial Institutions Examination Council.
- ^ ab"Page Not Found - SunTrust"(PDF). Suntrust.com. Archived from the original(PDF) on 2015-04-07. Retrieved 2015-04-19.
- ^"SunTrust to buy National Commerce Financial". Atlanta Business Chronicle. 2004-05-09. p. 1. Retrieved 2007-04-08.
- ^"Comvest Invests in BEL USA, Adds On Branders.com". PitchBook. 17 March 2014. Retrieved 30 December 2014.
- ^Dunford, Thomas (24 December 2013). "The Morning Leverage: What's Waiting in Private Equity's Stocking?". The Wall Street Journal. Retrieved 30 December 2014.
- ^"Comvest Investment Partners IV, L.P.; Amin Rahman Ramjee". Federal Trade Commission. 20 December 2013. Retrieved 30 December 2014.
- ^Correia, Margarida. "SunTrust Private Wealth Management Launches Medical Specialty Group". Bank Investment Consultant. Retrieved 27 June 2014.
- ^Tucker, Tim (16 September 2014). "Braves name their new stadium: SunTrust Park". ajc.com. Retrieved 26 May 2015.
- ^Riley, Cindy (13 May 2015). "SunTrust Park to House Atlanta Braves in 2017". constructionequipmentguide.com. Retrieved 26 May 2015.
- ^ abcMollenkamp, Carrick and Deogun, Nikhil. "Citigroup to Sell Capital-Markets Unit Of Robinson-Humphrey to SunTrust". The Wall Street Journal. Retrieved 8 February 2019.CS1 maint: multiple names: authors list (link)
- ^ abMurray, Brendan. "R-H expansion plans include Boston, London - Atlanta Business Chronicle". webcache.googleusercontent.com. Atlanta Business Chronicle. Retrieved 8 February 2019.
- ^"Justus Carlile Martin Jr.-Obituary". The Atlanta Constitution. Retrieved 8 February 2019.
- ^Richard Craver (February 11, 2019). "New name for BB&T-SunTrust may help deliver new identity to customers, marketplace". Winston-Salem Journal.
- ^Allison Prang (June 12, 2019). "Truist Financial Is New Name for Combined BB&T, SunTrust". The Wall Street Journal.
- ^Craver, Richard (February 10, 2019). "BB&T headquarters move to Charlotte stings but silver lining could be more local jobs". Winston-Salem Journal. Retrieved February 10, 2019.
- ^Danielle Chemtob (December 9, 2019). "BB&T, SunTrust finish merger to become Truist in 'seamless' change. Here's what's next". The Charlotte Observer.
- ^ ab"Barclays Global Presentation"(PDF). SunTrust.com. Retrieved 23 September 2016.
- ^Garland, Max (March 4, 2018). "SunTrust Banks to close five remaining WV branches". Charleston Gazette-Mail. Retrieved April 3, 2018.
- ^"Archived copy". Archived from the original on 2011-04-26. Retrieved 2011-07-22.CS1 maint: archived copy as title (link)
- ^"Aleem Gillani". Suntrust.com. Retrieved 30 September 2016.
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- ^Thibodeau, Patrick. "In turnabout, SunTrust removes contentious severance clause". Computerworld.com. Retrieved 2017-08-10.
Get a live person on the phone
If you need to talk to a live person in SunTrust customer service you need to dial 1-800-786-8787. When the automated voice system will prompt you to confirm that you use touchtone phone enter *77 as prompted. After that, the automated voice system will ask you to enter your account number to proceed. You can either enter it or press # multiple times to skip it. Select 8 from the main menu. Then press 1 for a personal account and 2 for a business account. The automated voice system will ask you to enter your account number again. You can either do it or just press # several times to get connected to a live customer service representative right away.
For your convenience below is the main menu of SunTrust Bank customer service automated voice system:
- For checking, savings, money market or debit card press 1
- Credit card press 2
- Loan or line of credit press 3
- Mortgage press 4
- Certificate of deposit or IRA press 5
- Online banking or mobile banking press 6
- To open a new account, ask about rate or track status of an application press 7
- None of these 8
SunTrust Customer Service Hours
SunTrust live customer service representatives are available 24 hours a day 7 days a week.
SunTrust Customer Service Phones
- To contact SunTrust live customer service: 1-800-786-8787
- For help with SunTrust online and mobile banking: 1-800-382-3232, TDD: 1-800-854-8965
- Corporate Phone Number: 1-404-588-7711
- Mortgage Customer Service: 1-800-634-7928
- Fraud Report: 1-800-786-8787 option 6
- Lost Card: 1-800-786-8787 option 3
- Real Estate and Short Sale: 1-800-443-1032
- Credit Bureau & Disputes: 1-800-596-5407
For TDD/TTY SunTrust Bank customer service dial 1-800-854-8965. Live customer service representatives are available from 7am-6pm EST, Monday through Saturday (excluding most Federal Holidays).
SunTrust Small Business Customer Service Phones
- Customer Service: 1-800-752-2515
- Commercial Banking: 1-866-476-1460
- Wealth Management: 1-866-495-5416
SunTrust Social Networks Contacts
You can view latest updates from SunTrust via SunTrust Facebook page. Customer Service via Facebook Messenger is not available from SunTrust.
You can also public tweet to SunTrust on a SunTrust Twitter page.
You can view latest SunTrust Youtube videos at SunTrust Youtube channel.
SunTrust Live Chat
SunTrust does not offer live chat customer service. You can dial SunTrust customer service at 800-786-8787.
SunTrust e-mail Contact
To contact SunTrust via e-mail write to [email protected].
SunTrust NMLS Details
You can view SunTrust Nationwide Multi-State Licensing System and Registry details at SunTrust NMLS page.
Reach Real Person in Suntrust by Phone, Live Chat, Social Network
Make sure that you tried multiple options when reaching customer service. If live customer service agent is not available by phone, try live chat. Frequently direct message via Suntrust Facebook account or Suntrust Twitter account may get you a customer representative quickly, so try it too. If you want to file a complaint or submit a positive feedback you may leave your comment or complaint under Instagram or Youtube post and in many cases the business will respond to it. For your convenience all of these customer service contact options for Suntrust are provided above.
What to do if Suntrust Live Person Contact Information Is Not Working?
It is typical that customer service menu options change with time. Customer support options and even contact phone numbers might be removed and added. If you have problems with getting a real person in Suntrust customer service with instructions above please leave the comment in the comments section below and we will improve this guide. We are constantly monitoring the customer service contact numbers, e-mail and chats to make sure the instructions on How to Talk to a Live Person in SunTrust Customer Service are the most accurate.
If you successfully reached a live customer service agent in Suntrust please leave your instructions in the comments section below so everyone can use it.
Updated on in Customer Service Live Person Phone Number
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For Student Loan Borrowers
If you have any questions, please contact us by selecting an option below:
For Credit Disputes
Download, print, and mail the Direct Credit Dispute Form(PDF) to:
P.O. Box 61047
Harrisburg, PA 17106-1047
Or write to us at the address above with the following information:
- Your full name, address, and account number
- Identification of the specific credit report tradeline(s) disputed and details regarding the reason for the dispute. Also, enclose any supporting documentation relevant to the dispute.
NOTE: If you don't have your account number, sign in to Account Access to obtain it.
For Schools and Financial Aid Officers
For questions, please contact:
For faster service, please select the link that best describes your situation so we can direct you to the correct department:
Did you know that by signing in to your account you can:
- Change your address?
- Check your loan balance?
- Make a payment?
- View your payment history and billing details?
- Get your reportable tax information?
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Still Have Questions?
Review our FAQs to get answers to your questions.