47th Place Carpet One Floor & Home

Dear ** ***:We have received and reviewed your correspondence forwarded
to us from the Revdex.com regarding the return of mobile banking deposits made to your
above referenced account last monthI am very sorry to learn that you were
victim of an apparent scam and understand how frustrating a
situation like this
can beI appreciate the opportunity to respond.Our records show we set up Fraud Case *** on August
10, when you contacted us about the mobile check deposit for $4,
(August 5, 2015) and $3,(August 7, 2015)In addition, we also set up case
*** for $2,and $4,080, which represents funds that you withdrew from
your account and sent via *** *** to a designed recipientAfter the
claims were reviewed, the cases were denied.We reviewed your cases again and based on the information you
provided, your cases were declined, as explained in the August 24,letter
from our Fraud Assistance Center (*** ***).On August 27, 2015, the account was closed with an amount owed
to SunTrust of $6,($6,plus a $administration fee (Statement
copy ***)Also, as stated in the letter dated August 12, (***
***), you are responsible for the negative balance, and the account is subject
to reporting to *** and ***In reference to your request that we pay the items that were
returned unpaid, ($and $415), I contacted the area manager for the branch
that handles your accountI was advised that we would not reimburse you for
these feesI regret that you were given conflicting information about this
matter.** ***, I understand that this is not the resolution you
are seeking from SunTrustIf you have filed a police report regarding this
matter, you may want to do soSunTrust will fully cooperate with any law
enforcement investigationIf you have any questions about the cases, please
contact our Frud Assistance Center at ***Should you have questions
about the closed account, you can contact on Demand Deposit Account Recovery
Department at ***.Representatives will be glad to help you.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: [email protected]
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,
*** ***

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

December 14, 2016 Revdex.com Serving Central Virginia, Inc. Attn: *** *** Moorefield Park Dr., Ste 300 Richmond, VA 23236 Re: Name: *** ** *** Case Number: *** Revdex.com Case #: *** Dear Ms***: We received your correspondence regarding the
above referenced caseBecause you did not include a signed authorization form from Mr***, we are unable to provide you with a copy of our response to Mr*** dated December 14, Upon receipt of the signed authorization form, we will gladly share a copy of our response with your office. Thank you for contacting SunTrust Mortgage, Inc. Sincerely, Wanda H*** Officer Mortgage Escalations Resolution Team

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.]There is no legitimate reason they can't modifiy the loan since I have proved on the temporary modification, that I can make the paymentsThey are just giving me excuses. They would rather take my home instead of helping me save itI have proved my hardship and proved that at a lower payment I can remain current. Agent Vanessa meadow told me not to pay the extra feesI never received the march 13th letter stating the fee and I want a copy of this letter sent to meWhy did they do a BPO valuation twice? they had the information and did it a second time and charged me more.I am making regular payments and I see no reason why they can't inform me of my new payments starting Sept 1stThey are not giving me advance notice and setting me up to fail and lose my home
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.]The reason I'm not satisfied, when I'm late with my payment, I get charged late fees, but when the bank is late I'm supposed to take the results and accept itSun Trust representatives repeated to me, the process would take to daysI received the title June 23, 2015, that was daysWhile waiting for this title,I was being charged dollars a day storage fee because I didn't have the title to get the car registrationThere are also the late fees Sun Trust charged on theaccountI repeat, I get charged when I'm late but Sun Trust pays no penalty for being late
Regards,
*** ***

Dear
Mr***:We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding the status of the above referenced accountI appreciate the opportunity to respond.Our
records reflect that, on December 15, 2015, your account balance was $A
recurring debit card
purchase from *** for $was presented and
paidThis left your account balance at $On December 22, 2015, the monthly
maintenance fee which is $per month was assessedHowever, because the
balance was only $.39, the account was assessed a $monthly maintenance fee
This left a zero account balanceOn
January 13, 2016, a recurring debit card purchase from *** for $
was presented and paidBecause there were not sufficient funds in the account
to pay the item, your account was assessed a $overdraft feeThis left an
account balance of negative $
The account remained negative for five consecutive business days, and on
January 20, 2016, a $extended overdraft fee was assessedA $monthly
maintenance fee was assessed on January 25, 2016, which left an account balance
of negative $(statement copies
enclosed)On
January 26, 2016, you contacted us and requested that we close the accountAt
that time, you were informed of the negative balance of $and provided the
transactions that caused the negative statusYou stated that the ***
charges were unauthorizedFor this reason, you were advised to contact our dispute
area at for further assistanceUnfortunately, we do not find a
record that you contacted our Fraud Assistance Center to dispute the charges.On
March 18, 2016, the account was closed due to having a negative balance for an
extended period of timeThe amount owed to SunTrust for this account is
$This amount represents $for the *** purchase, fees of
$and an account closed in overdraft fee of $(statement copy
enclosed)Letters regarding the account status were mailed to the address of
record.Our
records show that you did not have Overdraft Protection, but on September 15, 2015,
you declined Overdraft CoverageDeclining Overdraft Coverage does not prevent
the assessment of overdraft feesChecks, payments using online banking,
automatic bill payments, automated clearinghouse (ACH) and recurring debit card
transactions are not affected by Overdraft CoverageThe types of transactions
that are affected are ATM and everyday debit card transactions.Mr
***, if you have any questions about your account, please contact our Demand
Deposit Account (DDA) Recovery Department at *** A representative
will be glad to help you

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

Dear ** ***:We have received and reviewed your correspondence forwarded
to us from the Revdex.com regarding the hold placed on a deposit made to the account
referenced aboveWe appreciate the opportunity to respond.SunTrust strives to provide you with the earliest access to
your money within the
guidelines of sound banking practiceAlthough we may
place a hold on specific funds for a short period of time, this is done in
adherence with Federal Banking RegulationsAs disclosed in our Funds Availability
Policy Disclosure For Deposit Account, which is provided at account opening and
also found on our website suntrust.com, longer delays may apply under certain
circumstances.Our records indicate that on May 26, 2016, one check for
$2,and one check for $was deposited to your accountDuring the review
process of the deposit, we determined that a hold needed to be placed on the account
for $2,due to the reasons noted on the Notice of Hold, which was sent to
you on May 27, This Notice of Hold also advised when the funds would be
made availablePlease be assured that all of our clients’ deposited checks may
be subject to these types of hold, and all proper guidelines were followed in
placing the hold on your account for the deposited check.We show that this hold was removed from your account, and you
closed the account on June 3, *** is a copy of the closing debit for
your review.** ***, I hope this information is helpful to youShould
you have any questions, please call us at *** *** ***A representative will
be glad to assist you.Sincerely,

*** *** ***We have received and reviewed your most
recent correspondences forwarded to us from the CFPB and the Revdex.com regarding the SunTrust *** Promotional OfferWe appreciate the opportunity to respondAs stated in our August 11,
letter (copy ***), our records show that our
branch teammate enrolled
you in the promotional offer on July 11, However, you are currently in
the United States as a Non-Resident AlienUnfortunately, the promotion Terms And Conditions (copy ***)
state that this offer is only available to U.Sresidents with a U.Saddress
For this reason, we regret that you are not eligible to receive the reward.*** *** if you have any new
information concerning your case, please don’t hesitate to contact us via your
Online Banking Profile or call us at *** *** Our
representatives will be glad to help you

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 RF*Vice President, Client Advocacy Management OfficeSunTrust BankTake 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.[ST:XCL]

[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,

We were able to contact Mr*** by phone and assisted him with signing and returning an indemnification agreement required to have the check re-sentWe verified on September 19, that Mr*** has received and deposited the check. Please close this case on your
records. Seth *M***

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,
*** ***
What's unresolved was the fact they received $28,in MayInstead of "crediting" my May payment towards that amount they sent me to collections for not sending an additional *** That makes no sense and is not in compliance with FCRAI wanted them to at least acknowledge they should not have sent me to collections as there wasn't a default on the account

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 have not got any response from the company at all they do not care about the customer at all they pick and choose who they want to falsely accuse people bank have the power to mess with people live
** ***

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,
*** *** ***
While the specific incident with SunTrust has been "resolved" and funds returned the underlying problem still exists. *** *** has a processing issue where an incorrect credit card number with a different expiration date and name srtill processedI whote to *** and have yet to receive a rely. *** ***
*** *** ***
*** *** * ***
*** *** ***
*** *** *** ***
***
***

We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding an ATM deposit made to the incorrect accountThank you for sharing your concerns and providing us the opportunity to respondOn May 9, 2017, our records show that you inadvertently made an ATM deposit to the
** *** account ending in *** for $*** with Check *** made payable to the *** *** *** (copy enclosed)Due to the error, on May 22, 2017, the item was reversed and applied to the correct account ending in *** for The Love Organization, LLC (statements enclosed).In accordance with our Rules and Regulations for Deposit Accounts, SunTrust may rely on the deposit information that you provide on a deposit ticket when entering the information into an ATMIn this instance, a deposit correction was done to rectify the errorEnclosed are pages and of our Rules for your review (see Deposits and Withdrawals)Our Rules are provided at account opening and on suntrust.com (see Search Option?“Disclosures”? SunTrust Checking Account Guides & Disclosures? Deposit Account Disclosures).SunTrust strives to provide exceptional service with each and every client interaction, and I regret that we did not fully deliver on that this timeThe information you provided helps us to know where emphasis for future training should be placedWe learn where we can improve from clients like you, taking the time to share your experiencesMr***, I hope this information is helpful to youShould you have any questions regarding your accounts, please do not hesitate to contact us at 800.SUNTRUST (800.786.8787)A representative will be glad to assist youThank you for choosing SunTrust for your financial needs.Sincerely,Haywood B***

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
Regards,
*** ***

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: ***.My account was not closed and one of the fees reversed
Regards,
*** ***