47th Place Carpet One Floor & Home

Dear *** ***We have received and reviewed your correspondence forwarded
to us from the Revdex.com regarding the posting of items to the account referenced
aboveWe appreciate the opportunity to respond:Our records show that, on May 19, 2016, your account had a
balance of $1,030.27, but there were
two items pending payment (ATM cash
withdrawals for $and $400), reducing your available balance to $
Four transactions totaling $were presented for payment against this available
balance, and the account was assessed two overdraft fees totaling
$72.00.Subsequently, on May 31, 2015, your account had a balance of
$Eight transactions totaling $were presented for payment against
this available balance, and six $overdraft fees were assessed, totaling
$216.You mentioned a pending deposit, our records do not show any
deposit credited to your account on the dates of the overdraftsWe show
deposits made on May 20, and on June 1, 2016, however, the overdrafts occurred
on May and May 31, 2016.Bases on this information, we have determined that these
fees are validHowever, as a courtesy, we refunded two $overdraft fees
for a total of $to your account on June 2, Enclosed is a statement
copy reflecting the above activity.The posting order of your items is in accordance with our
rules and Regulations for Deposit AccountsEnclosed are pages and of our
Rules for your reviewOur rules are provided at account opening and on
suntrust.comAlso regarding debit card purchases, once a debit card transaction
(ATM withdrawal or purchase) is authorized, a hold is placed on the client’s
account reducing the available balanceFunds on hold for pending debit card transactions
generally cannot be used for other purposes, even though the transaction has
not posted against the account.Generally, it can take between two to five business days for
debit card transactions to be presented for payment and permanently post to the
accountFor this reason, clients must maintain accurate account records noting
all authorized transactions, including pending debits and credits, to determine
their available balanceDetailed information concerning this matter is
included on page and of our rules.In order to decrease the chance of overdraft happening again,
please visit, please visit suntrust.com, where you will find helpful tips on
how to manage your account and avoid feesYou 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.You may also 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 websiteInstructions
for signing up for Overdraft Protection and setting up email or mobile alerts
are also found on our website.*** ***, I hope this information is helpful to you
Should 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
you financial needs.Sincerely,*** ***

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. Sherry *F*Vice President, Client Advocacy Management Office

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: ***This has been resolvedplease close the complaintThank you
Regards,
*** ***

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 30, 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 *** ***

Dear Ms***: We received your letter regarding the above-referenced case, however you did not include a signed authorization form from Ms***Therefore, we are unable to provide you with a copy of our response to Ms*** dated March 14, Upon receipt of the
signed authorization form, we will gladly share a copy of our response with your office. Ms***, if you have any questions regarding this letter, you may contact our Mortgage Escalations Resolution Team at 855.223.4640, Monday through Friday from a.mto p.m ., ET. Sincerely, Wanda H*** Officer Mortgage Escalations Resolution Team

Dear MsDamelio: We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding SunTrust's decision to decline the claim referenced aboveI appreciate the opportunity to respond. Our records show that you contacted our Fraud Assistance Center on
February 6, to report an issue with an ATM machine in which you only received $from a $withdrawalClaim *** was established, and you received provisional credit of $on February 8, (copy enclosed)However, the claim was denied and the $credit was reversed as indicated in the enclosed letter dated February 17, You completed a rebuttal form on February 19, (copy enclosed), and your claim was reviewed a second timeOur previous decision was reversed, and your claim was approved, as stated in the enclosed March 7, letter from our Fraud Assistance CenterYour account was credited $on March 4, (statements enclosed). Ms***, should you have any additional questions or concerns regarding your claim, please contact our Fraud Assistance Center at A representative will be glad to assist youThank you for banking with SunTrust. Sincerely, Kathy B***

[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 I have been in touch with SunTrust They did refund the money they took I will not need any further action
Regards,
*** ***

Dear
Mr***:I appreciated speaking with you about
your correspondence forwarded to us from the Revdex.com regarding the
quality of service
you recently received when you visited the *** *** ***As we
discussed, your comments are very important to us and were shared with the
appropriate management teamSunTrust strives to provide exceptional
service with each and every client interaction, and we recognize that we did
not meet these expectations in this situationFor that we sincerely
apologize. In accordance with our check cashing
guidelines, we require a current picture identification (ID) that is provided
by the State or Federal governmentWe cannot accept an expired ID.Mr***, 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 or call us
at 800.SUNTRUST (800.786.8787)A representative will be glad to assist youSincerely,Seth
** M***Officer

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
The reason why I am declining is because I received a call within a week prior and was told that I would receive a call from Kathy B*** with Suntrust by today (May 6th) I have still yet to receive that call from that individual I did attempt to contact her, went to voicemail and left her a voice message
Regards,
*** ***

Dear Ms***: We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding the assessment of overdraft fees on our personal deposit accountsWe appreciate the opportunity to respond . In your correspondence, you questioned why you incurred a $
overdraft fee for a $purchase that posted to your account on May 8, Our records show on that day, seven items were presented for payment against an overdrawn balanceNo overdraft fees were assessed on the six items under $5.00; however, one $overdraft fee was assessed on the item for $(Goodwill)This fee was assessed in accordance with our Personal Deposit Accounts Fee Schedule (enclosed), which states on page that SunTrust will waive overdraft/returned item fees on transactions that are less than $5.00. For this reason, an item in the amount of $or less would not be subject to this fee while an item in the amount of $or more would be subject to the fee of $The fee schedule is provided at account opening and also found on our website suntrust.com (see About Us~Fee Schedules). On May 22, 2015, as a courtesy, we refunded the $overdraft fee that was assessed on May 8, You will see this credit on the enclosed statement. We want to be sure that you are aware that our website also contains helpful information on how to manage your account and avoid fees (see Banking..,.,.Personal Checking ~Account Features~overdraft Services....-.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 AlertsInstructions for signing up for these services are also found on our website and when using our Online Banking service . As a suggestion, you may want to set up Overdraft Protection, whereby a protector account is linked to your transaction account to cover any shortfallsDetailed information, including any fees, about this service is found on our website (see Banking-Personal Checking-+Account Features---+Overdraft Services). We show your account is set up to accept Overdraft Coverage, which may allow you to make an everyday debit card transaction or ATM withdrawal even when your available balance is not sufficient to cover the transaction; however, you may be charged up to $for each overdrawn itemAs a suggestion, you may want to decline Overdraft Coverage on your account. 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 consumer reporting agencies. Ms***, we hope this information is helpful to youIf you have any other questions or concerns, please contact us via your Online Banking Profile, call us at 800.SUNTRUST (***) or visit any SunTrust branchA representative will be glad to assist you. Thank you for banking with SunTrust. Sincerely, *** *** Officer Client Advocacy Tea

November 22, 2016 *** ***
*** *** *** ***
*** ** *** Re: Everyday Checking Account ending in *** Revdex.com (Revdex.com) Case *** Dear Ms***: We have received and reviewed your correspondence forwarded to us from the
Revdex.com regarding an unauthorized transaction on your above referenced accountWe appreciate the opportunity to respond. Our records show that you contacted us on October 31, concerning an unauthorized debit for $from *** ***Fraud Case *** was established at that timeOn November 7, 2016, we approved your claim and credited your account $Also on that day, *** reversed their transaction, and the account was credited an additional $For this reason, on November 9, 2016, we processed a dispute reversal for $(letter copies enclosed). We also show that a payment was presented by *** on November 10, for $200.08. Because there were not sufficient funds in the account to cover the transaction, a $36.00 overdraft item fee was charged to the accountWe have determined that this fee is valid. However, as a courtesy, the $overdraft item fee was refunded on November 15, (statement copy enclosed). If you have additional questions regarding payments processed by *** ***, we recommend you contact them directly. Ms***, I hope this information is helpful to youIf we may be of further assistance, please don't hesitate to contact us via your Online Banking Profile or call us at 800.SUNTRUST (800.786.8787)Our representatives will be glad to help youThank you for banking with SunTrust. Sincerely, Sherry RF* Vice President 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
This will not satisfy my complaint because I made a payment for one of my bills on 1/24/and SunTrust did not pay the item and did not give me access to my fundsI did not even know my account was closed until I inquired and they did not notify me and I was charged fees for a returned paymentI will look into speaking with an attorney if this is not resolved I was lied to because I was told my funds would be mailedThey never wereI didn't have access to my funds until 2/and they are saying my account was closed on 1/ Why my bill was returned is beyond me because the money was there This is very poor customer service and I feel they should be fined for this improper communication I was never notified and I did all of the contacting and I was told multiple liesTo add insult to injury now I've been charged a return item fee for my bill that was paid days prior to the account being closed bc I was not properly notified so I could make adjustments I want fair and just compensation for my fees and lack of communication and not having access to my money so that I could pay my bill
Regards,
*** ***

We have received and reviewed your correspondence forwarded
to us from the Revdex.com regarding the modernization of our Online Banking serviceWe
regret that you are having issues with this serviceI appreciate the opportunity
to respond.Your comments are very importance us and were shared with
the
appropriate managementWe understand that we did not meet your
expectations in this situation and apologize for the frustration you
experienced.** ***, you are a valued client, and your satisfaction is
important to usIf you have any questions or concerns regarding your accounts,
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.Sincerely,*** ***

Revdex.com: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.The Business, Suntrust Bank,, did not include a response or an offer to your request just as they did not tell me why my account was closedThey have been heartlessI have been with them for years, I paid off my home mortgage with themon timeevery monthfor yearsOn Thanksgiving my debit card was not accepted anywhere.I get Direct deposit from *** *** on the 2nd of the month and they were told this and that I am disabled yet did not care said the account would be closed Nov I finally learned the reason I am being dropped without any reasonable notice is that I disputed some charges which they investigated and found to be valid. Its not because of any fraud or behavior on my partMy life has turned upside down trying to be responsible and not having any outstanding business with the bank It was truly corporate ***It was them saying, "Yeah, it was bad you were doubled or overcharged (***) but be a good girl and don't saying anything because we will shut your accountI am disabledI do not know if I will get a check tomorrowI have ***They stress has been unbearableThey have no corporate allegiance to long term customers or any social responsibility towards
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 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,
*** ***

Dear ** *** *** ***We have received and reviewed your correspondence forwarded
to us from the Revdex.com regarding an insurance check that was deposited into your
above referenced account on April 27, We understand that we did not meet
your expectations in this situation and apologize for any
inconvenience caused
I understand that ** *** ***, manager of our ***, is diligently working
with *** *** ** *** to get this issue resolved as soon as possible.On April 29, 2015, due to a missing endorsement (*** ***
*** ***), a hold was placed on your April 27, deposit of $6,(***
*** ***)Instructions were given to branch representatives that we needed all
payees to sign an Indemnification AgreementOn May 21, 2015, because the
agreement had not been completed, we debited your account $6,984.02, and the
funds were returned to *** *** ***Furthermore, on May 29, 2015, the
original deposited check was returned by *** *** *** for a missing
endorsement, and the funds were again debited from your accountThis left an account
balance of negative $6,All overdraft and extended overdraft fees that
were assessed due to this incident were refunded (*** *** ***).** *** *** ***, your satisfaction in importance to us,
and we ask that you allow up the opportunity to regain your confidenceIf you
have any questions or concerns regarding your account, please do not hesitate
to contact ** *** at ***She will be glad to speak with you

[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,
*** ***

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. Seth AM***Officer - Client Advocacy Management Office I SunTrust Banks, Inc. * *** ***
*** * *** *** *** * *** ** *** * *** *** * *** *** Take a step toward financial confidence.Join the movement at onUp.com. LEGAL DISCLAIMER The information transmitted is intended solely for the individual or entity to which it is addressed and may contain confidential and/or privileged materialAny review, retransmission, dissemination or other use of or taking action in reliance upon this information by persons or entities other than the intended recipient is prohibitedIf you have received this email in error please contact the sender and delete the material from any computer. By replying to this e-mail, you consent to SunTrust's monitoring activities of all communication that occurs on SunTrust's systems. SunTrust is a federally registered service mark of SunTrust Banks, Inc

Re: Revdex.com complaint #*** *** *** 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

Re: Revdex.com complaint #*** SunTrust has responded to our client and resolved the dispute