47th Place Carpet One Floor & Home

We have received and reviewed the correspondence that was
forwarded to our office from the Revdex.com (Revdex.com) regarding the
above referenced loanWe appreciate the opportunity to look into the issue
raised and to provide a response to you.Our records indicate that you completed a
pre-qualification application
on May 5, and a Pre-qualification Notification was issuesDuring the
meeting with the loan officer, possible factors that could impact approval were
discussedUnfortunately, after an underwriting analysis we were unable to
approve the loan due to “unsatisfactory record on past credit.”Please note that a Pre-qualification Notification is based
on the verbal information provided at the time of the loan application and does
not constitute an official commitment or guarantee for loan approvalWe do not
discourage clients from applying for loan financingThe final loan approval is
based upon verification of the information provided at the time of application,
stipulations as may be required at the underwriter’s discretion and other
requirements.** ***, based on our findings we respectfully decline your
request for a refund of the $inspection fee as the inspection was not a
SunTrust Mortgage, Inc(SunTrust) requirementThere were no upfront fees
collected by SunTrust. If you have any
questions regarding this letter, you may contact our Mortgage Escalations
Resolution Team at ***, Monday through Friday a.m to 6p.mSincerely,*** ***

Dear ** ***: We have received and reviewed your correspondence forwarded to us from the Revdex.com
regarding overdraft fees charged to the account referenced aboveI appreciate
the opportunity to respond.Our records show that, on June 10, 2016, the overdraft fees
were caused by an electronic transfer
to *** for $that was debited
against a balance of $Because you did not bring the account to a
positive balance within five business days, the account was assessed an
extended overdraft fee on June 16, Based on this information, we have
determined that the overdraft fees charged are validHowever, as a courtesy,
we refunded the *** *** *** *** to your account on June 30, This
is in addition to the *** *** *** refunded to your account on April
28, Your statement is enclosed for your review.In order to decrease the chance of this happening again, please
visit suntrust.com, where you will find helpful tips on how to manage your
account and avoid fees (see facts about banking)You will also find useful information
about our overdraft services and how to monitor your account activity when the
balance gets too low or becomes overdrawn by setting up email or mobile alerts.Currently, there is no overdraft protection set up for your
saving accountYou may want to set up Overdraft Protection, whereby a
protector account is linked to your transaction account to cover any potential
shortfallsDetailed information about this service is found on our website
Instructions for signing up for Overdraft Protection and setting up email or
mobile alerts are also found on our website.The account is currently overdrawnBecause of this, we ask
that you please make a deposit as soon as possible to bring the account to a positive
or zero balanceDoing so may prevent the account from being closed with an
owed balance and reported to various consumers reporting agencies.** ***, I hope this information is helpful to youShould
you have any additional questions regarding your account, please do not
hesitate to contact us via your Online Banking Profile or call us at ***
A representative will be glad to assist youThank you for choosing SunTrust
for your financial needs.Sincerely,Kathy B***

Client Advocacy Management Office is in receipt of the complaint/inquiry that you forwarded from *** ***.This complaint/inquiry has been assigned SunTrust internal case number 09/15/2017-***If you have any questions or additional information you may
email:***@suntrust.comSunTrust Client Advocacy Management Office

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
My account was positive until the one transaction from *** came through and made the account in negativeLike I said, I am fully aware of this and I have no issues making a payment to cover the *** transaction and one overdraft transactionIf Suntrust does not approve my transaction once the account is negative I see no reason why Suntrust kept accepting additional transactions, while the account is severely negative, to cover other payments if the account is on negativeOnce again, these are ill practices that are wrongly done by Suntrust in order to gain financial advantage from their clientsThere is transaction that I will pay and that is *** and one overdraft fee.
Regards,
*** ***

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID ***,
and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
SunTrust sent you a fax requesting closure since they had talked with meI have not spoken with anyone at Suntrust. On June 7,I did receive a voicemail that gave me a case numberIn that voicemail, which I still have saved, I was given a name of a case worker Mrs Fuller and that she would contact me within daysAs of today, June 15, I have still not been contacted by herI have tried calling her back and left voicemails as well and have had no contact or return calls
Regards,
*** ***

[A default letter is provided here which indicates your acceptance of the business's offer. If you wish,
you may update it before sending it.]
Revdex.com:
I have reviewed the offer made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to meI will note that Suntrust contacted me directly and assumed fault with the account and provided a $credit for the trouble they caused me. I will wait for the business to perform this action and, if it does, will consider this complaint resolvedIf the company does not perform as promised I can get back to you at: ***
Regards,
Amy Motto

[A default letter is provided here which indicates your acceptance of the business's offer. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the offer made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to meI will wait for the business to perform this action and, if it does, will consider this complaint resolvedIf the company does not perform as promised I can get back to you at: ***
Regards,
*** ***

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID
***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
[Provide details of why you are not satisfied with this resolution.]
Regards,
*** ***
I can see the e signatureI reject their offer

Dear Mr***: We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding blocks placed on your debit card referenced aboveI understand the difficulty this type of situation can cause and regret any frustration you
experiencedI appreciate the opportunity to respond. Our records show that a test transaction for $from Western Power Sports was submitted to your account on January 13, However, you had done business with this merchant on a regular basis in the past, and payments to the merchant were honored; therefore, the test transaction appeared to be suspiciousFor this reason, we placed a block on your debit card to protect you from potential fraudulent activity. Because you have notified us that transactions received from *** *** *** are valid, we have noted your debit card accordinglyWe apologize for any inconvenience this matter caused. You requested compensation for your time while trying to resolve your concernsWe respectfully decline your request, as we do not provide compensation for time spent resolving issues. Mr***, I hope the information contained in this letter will alleviate any further concernsIf you have any questions regarding your account, please do not hesitate to contact us .at 800.SUNTRUST (800.786.8787) or visit any SunTrust branchA representative will be glad to assist you . Sincerely, Haywood *** Officer Wholesale Client Relations and Support Team

SunTrust has responded to our client but cannot share the response with the Revdex.com as no signed third party authorization was received

SunTrust has responded to our client but cannot share the response with the Revdex.com as no signed authorization form was received

Dear ** ***:We have received and review your correspondence forwarded to
us from the Revdex.com regarding overdraft protection for your checking account
referenced aboveI appreciate the opportunity to respond.Our records indicated that, on October 22, 2015, your
checking account became overdrawn and
six $overdraft fees were assessed
(*** ***)At that time, your credit card account was linked to your
checking account for the purpose of overdraft protectionHowever, your credit
card account was over the credit limit, resulting in no available funds for
overdraft protection.When you called to inquire about the overdrafts and
overdraft protections, you learned that your credit card was the protector
account for your checking account rather than your saving accountYou advised us
that you authorized your savings account to be used for overdraft protection,
not your credit card accountYou advised us that you authorized you saving
account to be used for overdraft protection, not your credit card accountAfter
reviewing your account and based on the information you provide, we refunded
the assessed overdraft fees on November 13, In addition, the protector
account for your checking account has been updated to your savings account.SunTrust strives to provide exceptional service with each
and every client interaction, and I regret that we did not fully deliver on
that this timePlease accept my sincere apology for any inconvenience caused
you.** ***, your satisfaction is important to us, and we ask
that you allow us the opportunity to regain your confidenceIf you have any
questions or concerns regarding your account, please do not hesitate to contact
us via your Online Banking Profile, call us at *** *** or visit any
SunTrust branchA representative will be glad to assist youThank you for
banking with SunTrust

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
I'm not too worried about itI plan on closing my accountAll my family members plan on closing their accounts as wellI'll just leave my opinion on every social media outlet availableMy account was tampered with due to your banks carelessnessThe customer service that is provided is the absolute worst I've ever experienced with any company ever in life
Regards,
*** ***

Revdex.com:
I have reviewed the offer and/or
response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.No information on the letter they sentVery unprofessional from SunTrust
[Provide details of why you are not satisfied with this resolution.]
Regards,
*** ***

We have received and reviewed your correspondence forwarded
to us from the Revdex.com regarding the overdrawn status of the above referenced
accountWe appreciate the opportunity to respond.In order to close an account, a zero or positive balance must
exist at the time the request is madeHowever, we
have no record of a
requested being made to close the account prior to their being an overdrawn
balanceBecause of this, the account has remained open, and any items
presented to the account for payment will be handled in accordance with page
of our Rules and regulations for Deposit Account (***)Our Rules are
provided at account opening and on our website suntrust.com (see about us- fee
schedules-deposit account disclosures).** *** should you have any further questions, please feel
free to contact us via your Online Banking Profile, call us at *** *** or
visit any SunTrust branchOur representatives will be glad to assist you.*** ***

Dear ** ***We have received your correspondence regarding the above
referenced caseHowever, you did not included a signed authorization form from
** ***Therefore, we are unable to provide you with a copy of our response
to ** *** dated July 14, Upon receipt of the signed
authorization form,
we will gladly share a copy of our response with your office.** ***, if you have any questions regarding this letter,
you may contact our Mortgage Escalations Resolution Team at ***, Monday
through Friday from 8am to 6pm ET.Sincerely *** ***

[A default letter is provided here which indicates your acceptance of the business's offer. If you wish, you may update it
before sending it.]
Revdex.com:
I have reviewed the offer made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to meI will wait for the business to perform this action and, if it does, will consider this complaint resolvedIf the company does not perform as promised I can get back to you at: ***
Regards,
*** ***

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
First of all, there is no privileged information involved in this issue, so Suntrust's position is erroneousSecond, if written authorization was required, why was I not told this from the beginning? This is typical bureaucratic avoidance of taking the necessary action to resolve the issue...which is unfortunately typical Suntrust behavior
Regards,
*** ***

SunTrust has responded to our client but cannot share the response with the Revdex.com as no signed third party authorization was received. Please close this case on your records. Thomas F*, Assistant Vice President, Client Advocacy Management Office

[A default letter is provided here which indicates your acceptance of the business's offer. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the offer made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to meI will wait for the business to perform this action and, if it does, will consider this complaint resolvedIf the company does not perform as promised I can get back to you at: ***
Regards,
*** ***