47th Place Carpet One Floor & Home

*** ***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. ** *** ***
Assistant Vice President - Client Advocacy Office

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

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 Bank

Dear Ms***: We have received and reviewed the correspondence that was forwarded to our office from the RevDex.com regarding the above referenced accountWe appreciate the opportunity to look into the issue raised and to provide a response to you . Our records
reflect that on February 18, 2016, an escrow analysis was performed to ensure we had sufficient funds for the future disbursements of your escrow itemsWe determined a shortage of $due to an increase -in your projected amount for your homeowners' insuranceWe provided you the option to pay the shortage in full or have it spread over a 12-month interest free repayment period beginning April 1, Since we did not receive a payment for the full amount of the shortage, your monthly payment was adjusted to $effective April 1, 2016. Your account is setup on SurePay our automatic drafting program and the payment is drafted on the tenth business day of each monthOn April 11, 2016, we drafted $from your SunTrust Bank, Incchecking accountAt the time of the draft, you did not have sufficient funds: however, SunTrust Bank, Inchonored and processed the payment. SunTrust Bank assessed an overdraft fee of $to your checking account" but the fee was waived on April 14, Your checking account had a negative balance resulting in an extended overdraft fee of $being assessed on April 15, On April and May 4, 2016, you deposited funds into your checking accountOn May 5, 2016, you spoke with a representative at SunTrust Bank, Inc. that explained the overdraft fee process and as a courtesy the $extended overdraft fee was refunded back to your checking accountAny questions regarding the checking account, please contact SunTrust Bank, Incat 800.786.8787. If you have any questions regarding the servicing of the account, please contact the Client Services Department at Monday through Friday from a.mto p.mor Saturday from a.mto p.m., ETIf 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

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 way you count it is just a total, but when my cash flow is tight, it's all about timing$- ***, $- ***, $- ***, $- *** and $- *** these four transactions were shown as clear on my end on July 25thbut it wasn't cleared until the midnight of the 25thThat mislead me that these trasactions are clearedAND if I have $1,available balance for eight transactions total as $1,361.34, why would you charge me overdraft fee on six out of eight? the worst situation would be one check (the $one) cannot be coveredthere would only be one overdraft feeInstead, the way Suntrust manage transactions make your customers pay more feesI don't want a courtesy refund for $I want my rightful refund for $Thanks
Regards,
*** ***

Attached is the response that was mailed to the client. Please close this case on your records. ** *** ***
*** *** *** * *** *** ***

Re: Revdex.com complaint # *** *** *** SunTrust is currently reviewing the client's concerns and formulating a responseIf possibleplease extend this case and we will contact you as soon as a response is mailed

We have received and reviewed your correspondence forwarded
to us from the Revdex.com regarding the balance owed on your above referenced account
We appreciate the opportunity to respond.Your Motor Vehicle Retail Instalment Sale Contract with you
signed on June 7, shows that you agreed to make
monthly payments of
#383.97, beginning July 22, (***)The payment information in the
Contract is based in the assumption that all payments are made in the due date
for the scheduled amount dueIf your payment is made before or after the due
date, exceeds or is less than the amount due or it any fees are assessed, the
amount owed and how the funds are applied will change.As stated in the contract, this is a simple interest loan,
meaning that when a payment is received it is applied first to any fees and interest
owed, with the remainder of the payments applied to principalIn addition, if
your payment does not reach us by the due date, interest continues to accrue on
the unpaid balance.Our records reflect that the vehicle was reported as a total
loss on March 24, The balance owed at that time was $21,Because
we did not received your scheduled march 22, payment, a late fee of $
was assessed on April 6, We received an insurance check for $13,on
April 14, 2015, and on May 5, we received a warranty check for $1,
Both of these checks were applied as principal payments.We did not received your April 22, payment; therefore,
on May 7, a late fee of $was assessedOn May 26, a Gap
Insurance check for $6,was received and applied as a principal payment
A late fee of $was assessed on June 8, since we did not received a
May paymentOn June 11, 2015, another insurance check for $was
received and applied as a principal paymentAs a courtesy, on June 15, 2015,
we waived the late fee of March April and May 2015, totaling $*** for
your review is a copy of your payment history showing these transactions.Currently your account is days delinquentAs of June 26,
the amount owed to SunTrust is 5501.32, which represents principal of $
and interest of $The per diem is $0.0421215.Our records show that payments were reported as 1Xdays
late, 1Xdays late and 1xdays laterWhile we understand your concerns,
SunTrust bank has an obligation to provide accurate and complete information
regarding all customer accounts to the major credit reporting agenciesGiven
that your loan was delinquent, we are obligated to report your loan
accordinglyBased on this obligation, we are unable to remove the delinquent
reporting of your loan.If you have not already done so, you may dispute the
reporting directly with the consumer reporting agencies, and also add a
consumer statement to your credit fileIn the consumer statement, you may
explain the reasons for reporting, and any creditor or potential creditor will
see your consumer statement when they access you credit file.*** *** ** ***, we hope the information provided is
helpful to youIf we may be of further assistance, please don’t hesitate to
call *** ***A representative will be glad to help you

We have received and reviewed your correspondence forwarded
to us from the Revdex.com and the *** regarding the hold placed on a deposit made to
the account referenced aboveI understand that you did not have a positive
experience and regret any inconvenience this situation causedI 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 Accounts, which is provided at account opening
and also found on suntrust.com (see menu- personal checking accounts- Features
and Benefits- overview guides and disclosures- Funds availability policy for
deposit accounts), longer delays may apply under certain circumstances.Our records indicate that, on March 17, 2017, three checks,
totaling $*** (copies enclosed), were deposited to the accountDuring the
review process of the deposit, we determined that a hold on the Notice of Hold
(copy enclosed), which we sent you on March 18, 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 holds, and all
proper guidelines were followed in placing the hold on your account for the
deposited checks.** ***, I hope this information will alleviate any further
concernsShould you have any additional questions, please don’t hesitate to
contact us via your Online Banking Profile or call us at 888SUNTRUST
(***)A representative will be glad to assist you.Sincerely,Haywood B***

Dear Mr***:We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding your above referenced merchant dispute caseWe appreciate the opportunity to respond. Our records show that your debit card purchased was declined wtih the merchant on January 10th,
because the transaction was outside of your spending patternThe transaction caused an immediate security block to be placed on your debit cardPlease note that this transaction was not declined based on services provided by the merchant. On January 18, 2015, the merchant presented an item for $that did not trigger any security flagsWhile this item was allowed to post to the account on January 21, 2015, it was credited back to the account by the merchant on January 22, 2015. On January 20, 2015, the merchant presented an item for $that also did not trigger a security flag and was allowed to post on January 23, During our review of your claim against this transaction, the merchant provided multiple types of evidence that indicated the payment was authorized by you. However, because you were able to provide further evidence of your claim to MsCrystal Cushenbery, Loss Prevention Manager, on May 8, 2015, the decision was made to honor your claimFor this reason, a credit of $was made to your account on May 8,2015. Mr***, we hope the information provided is helpful to youWhen you have questions or concerns regarding your accounrs, please do not hesitate to contact us via your Online Banking Profile, call us at 800.SUNTRUST, or visit any SunTrust branchA representative will be glad to assist youThank you for banking with SunTrust. Sincerely, *** ** ***OfficerClient Advocacy Team

[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
I received a voicemail on April 28th stating who my case was assigned to and that I would receive a call from that individual, but never received a call from anyoneTechnically Suntrust has not responded to "their client" since there was no contact made to discuss this matter.
Regards,
*** ***

We
have received and reviewed your correspondences forwarded to us from the ***, the
Revdex.com and the *** *** *** *** regarding failure to receive a
decline letter, your hardship on the above referenced account and the quality
of service you received when trying to resolve this
matterI appreciate the
opportunity to respond.A
review of our records confirms that when we reviewed your account for
modification, the request was declinedOn May 13, 2016, we issued a decline
letter advising you that your account was not eligible for modification (copy
enclosed)We made this decision because our investigation showed that the
property securing the loan had been quit claimed to the previous owner.At
this time, your account is currently with the law firm of Alvarez, *** *** *** *** *** To discuss further concerns, please contact them at
***SunTrust acts in accordance with all State and Federal laws and
regulations and denies the allegations of wrong doing.SunTrust
strives to provide exceptional service with each and every client interaction,
and we understand that we did not meet these expectations in this situation
For that we apologize.Mr
***, I hope that this information is helpful to youIf you have any
questions, please contact the law offices at the number aboveWe wish you well
with your current health situation.Sincerely,Chris
L***

Re: Revdex.com complaint# *** *** *** SunTrust has responded to o.ur 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

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. Kathy 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
[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 a promotional offer for the above referenced accountWe appreciate the opportunity to respond.SunTrust strives to provide exceptional service with each and every client interactionWe regret any inconvenience
you may have experienced because your initial email inquiry with the *** *** about the promotional payout was not returnedYour comments are important to us and were shared with the appropriate management team.We reviewed this matter and understand that you were informed at account opening that you would need to enroll in the promotional offer online in order to be eligible for the payoutHowever, our records do not show that you enrolled in the offer prior to the April 7, deadlineTherefore, we are unable to provide the promotional payout for that accountEnclosed is a copy of the Terms and Conditions received at account opening for ***SunTrust acts in accordance with all State and Federal laws and regulations and denies the allegations of wrong doingMr***, I understand this is not the resolution you are seeking from SunTrust.Should you have any additional questions or concerns regarding your account, please do not hesitate to contact us via your Online Banking Profile or call us at 800.SUNTRUST(***)A representative will be glad to assist you

We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding your request to
close the above referenced accountYour comments are very important to us and were
shared with the appropriate management teamI appreciate the opportunity to respond.SunTrust
strives to
provide exceptional service with each and every client interaction,
and we understand that we did not meet these expectations in this situationAlthough
we found no record of your previous requests to close the account, I sincerely
apologize for any inconvenience this matter has caused you. Our
records reflect that the account was closed on September 8, and you will
receive a check for $(credit balance)The $fee is for the cost of
recording the release of the lienThis fee is disclosed on pages and of
the Access Equity Line Account
Agreement And Disclosure Statement under Settlement Charges/Closing Costs (copy ***).Mr
***, if you have any other questions about this account, please call us at
*** *** A representative 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. S*** ** F*Vice President, Client Advocacy Management Office

We were able to speak with the client over the phone and informed her that her accounts are now closedAn Official Check from the amount of funds that remained in the account was mailed to the client on June 10,