47th Place Carpet One Floor & Home

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. Sherry *F*

Revdex.com:There was NO response from Suntrust in reference to complaint ID ***.In
addition, the account was closed on 11/16/16, and I was informed that I should be receiving the check of the remaining fund within business days from the account was closedI have not received the check yet.
Regards,
*** ***

Dear
Ms***:We
have received and reviewed your correspondence forwarded to us from the Revdex.com
regarding SunTrust’s decision to close your account referenced aboveI appreciate
the opportunity to respond.The
decision to close this account was a business decision made by SunTrustIn
accordance
with our Rules and Regulations
for Deposit Accounts, we may
close an account at any time for any reason or for no reason without advance
noticeEnclosed is page of our Rules for your reviewOur Rules are
provided at account opening and on suntrust.com (see Menu?Personal Checking
Accounts?Features and Benefits?Overview Guides and Disclosures?Deposit Account
Disclosures)To
prepare your account for closure, a “no debit” status was placed to ensure
deposited funds were collectedOnce we determined the funds were collected, we
contacted you to advise you that you could visit any SunTrust branch to close
your accountOur records show that, on February 7, 2017, you visited our
*** ** *** *** and withdrew funds for $Your account is now
closed (statement enclosed) SunTrust
acts in accordance with all State and Federal laws and regulations and denies
the allegations of wrong doing.You
requested compensation because you could not access the funds in your account
due to the “no debit” statusWe respectfully deny your request for
compensation.Your
comments about your experience are very important to us and were shared with
the appropriate managementWe regret any inconvenience causedMs
***, should you have any questions regarding your account, please do not
hesitate to call us at 800.SUNTRUST (800.786.8787)A representative will be
glad to assist you.Sincerely, Kathy
B***

Dear ** ***:We have received and reviewed your correspondence forwarded
to us from the Revdex.com regarding overdraft fees assessed to your above referenced
account and the order in which we post items to accountsThank you for taking
the time to speak with me about these concernsI appreciate the
opportunity to
respond.Our records show that, on September 15, 2015, your beginning
account balance was $There were pending items from *** ($and
$5.76), *** *** ($8.33), SQ *** ($13.02), ** *** ** *** ***
($25.06), *** *** ($40.00) and *** *** ($75.36) which reduced
your available balance to $A credit for $increased that balance to
$During processing several items were presented and paid (*** *** **
*** for $466.15, two *** *** card Online Pmts for $and $40.00, ***
*** for $33.62, *** *** *** *** *** for $13.60, *** for $8.01, ***
*** *** *** for $8.00, *** *** for $and *** for $Because we
limit the total overdraft fees assessed to six per day, you were assessed six
$overdraft fees totaling $An overdraft transfer credit of $and
on overdraft transfer fee of $also posted to the accountAfter all the
items were processed your end-of-day available balance was negative $
your account because positive on September 17, when a direct deposit from
TWE Shared Services for $1,was
credit your accountThese transactions are reflected on the enclosed
statement. Based on the above
information and that items were presented for payment against insufficient balance,
we have determined that the assessed overdraft fees totaling $You also
received a refund totaling $on September 30, At this time no additional
refunds will be available to you.The posting order of your items is in accordance with our
Rules and regulations For Deposits Accounts*** is page of our Rules for
your reviewOur Rules are provided at account opening and no our website suntrust.com
(see about us- fee schedules- deposit account disclosures).Concerning debit card transactions, once a debit transaction
is authorized, a hold is placed on the client’s account reducing the available balance
Funds on hold for pending debit card transactions cannot be used for other purposes
even though the transactions 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 debit transactions, including pending and credits to determine their
available balancesDetailed information concerning this matter is found in our
Rules on page (***).We want to be sure you are aware that our website 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 be setting up Email or Mobile Alerts.** ***, I understand the difficulty an overdrawn account
can cause and regret the frustration you experiencedI hope the information
provided is helpful to youIf we may be of further assistance, please don’t hesitate
to contact us via your Online Banking Profile, call *** or visit any
SunTrust BranchOur representatives will be glad to help youThank you for
banking with SunTrustSincerely,*** ***

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 issue was not addressed I did not authorize two payments be withdrawn from my checking account to be applied to my loan and no one at Suntrust could tell me why or how this was done I made every attempt to have the issue resolved but Suntrust was unable to do anything for two days The dealership did call for a payoff of the loan before the issue was resolved I can provide the name and date of the Suntrust representative if needed Suntrust has cost me out of pocket money and I would like reimbursement Had Suntrust not taken it upon itself to take an unauthorized installment from my account this would have never been an issue
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. 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

Re *** *** *** Revdex.com Case ***We have responded to ** *** by letter on June 25, If
you have any questions about our response, please contact ** ***.Sincerely,*** ***

Dear Mr***: We have received and reviewed the correspondence from your father that was forwarded to us from the Revdex.com regarding an overdraft fee that was assessed to your above referenced accountSince your father Is not affiliated with your account, I
am responding to you. Our records reflect that, on March 12, 2016, an attempt was made to make a mobile deposit to your accountHowever, after the oack Image was uploaded the deposit was not submitted, and for this reason, a deposit acknowledgement was not generated . We show that, on March 14, 2016, your account balance was $Debit card purchases from *** ($16.90} and *** *** ($5.53) were presented for payment and paid. Since there were not sufficient funds In the account to pay the Items, your account was assessed a $overdraft fee for each Item Based on this information, we have determined that the assessed overdraft fees are validHowever, on March 15, 2016, one of the $fees was reversed; the other fee will remain (statement copy enclosed). In order to decrease the chances of this happening again, please visit suntrust.com, where you will find helpful tips on how to manage your account and avoid fees (see Banking-+ Overview Guides and Disclosures ~ The 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. 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 website (see Personal Banking-Checking Account Features ~ Overdraft Services)Instructions for signing up for Overdraft Protection and setting up email or mobile alerts are also found on our website. Mr***, although this may not be the answer you expected, I hope that the Information about avoiding overdrafts Is helpful to youShould you have any additional questions or concerns regarding your account, please do not hesitate to contact us via your Online Banking Profile, call us at 800.SUNTRUST (800.786.8787) or visit any SunTrust branchA representative will be glad to assist you. Sincerely, Diane E*** Assistant Vice President Client Advocacy Office

Attached is the responseResponded to client by phone, offered to refund half of the fees ($127.50) Mr*** agreed to resolution Please close this case on your records

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 your above referenced caseI appreciate the opportunity
to respond.Our records reflect that, on March 24, 2015, you initiated a
claim, case ***, for a $charge from *** that was debited
from your
account on February 10, Because this is considered a merchant dispute, we
may pursue such a claim as a courtesyWe may attempt to recover your money
with the merchant’s bank; however, we do not guarantee the outcome of the
claimClaims of this type can take an extended period of timeIf recovery is
made, we will credit your account for the money received.I spoke with ** *** *** who informed me that the
requested documents for the case were received past the required time to
dispute the charges with the merchantTherefore, the case was closed.Each time I spoke with you, I provided you information that I
received from our Cardmember Services DepartmentI have requested that your
case be reviewed again for a resolutionI regret that ** *** did not return
your calls.** ***, should you have any questions, please contact **
*** at ***, extension ***He will be glad to speak with you.Sincerely,*** ***

December 29, 2016
*** ***
*** *** *** **
*** ** *** Re: Essential Checking Account ending in *** *** Revdex.com (Revdex.com) Case *** Dear Mr***: We have received and reviewed your correspondence forwarded to
us from the RevDex.com (Revdex.com) regarding a pending hold placed in error by a merchant you do business withI appreciate the opportunity to respond. Our records show that, on December 12, 2016, *** *** *** *** placed two pending item holds for *** each at 19:and again at 19:Eastern Standard TimeThe purchase for *** was deducted from your above referenced account on December 13, Because the merchant submitted two transactions for authorization, your account balance was affected by the additional pending item hold placed by them, causing a *** overdraft item feeWe refunded this fee to your account on December 14, I have enclosed a statement for your review. Mr***, I regret any inconvenience caused by this matterShould you have any questions, please call us at 800.SUNTRUST (800.786.8787)A representative will be glad to speak with you. Sincerely, Kathy B*** Officer Client Advocacy Management Office

We have received and reviewed your correspondence forwarded
to us from the Revdex.com regarding an ATM deposit made to your account referenced
aboveI appreciate the opportunity to respond.You mentioned that, on July 5, a $ATM deposit was
made that failed to postOn that day, we experienced
a bank-wide issue that
delayed the processing of some ATM deposits When you contracted us the next day, we were
aware there was a problem and already working to resolve this issue.On July 6, 2016, the $*** deposit you made the previous day
was credited as well as the $*** deposit made on July In addition, on July
7, 2016, we refunded your account *** *** *** *** * ***.You mentioned being charged a total of $in fees by
merchants who had payments returned unpaidWe credited your account for those
fees on July 5, I have enclosed statement copies for your review.** ***, we do apologize for any inconvenience this
situation may have caused and would like the opportunity to regain your trustIf
you have any questions or concerns please contact us via your Online Banking Profile

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 Mr***:We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding overdraft fees charged
to your above referenced accountI understand the difficulty this type of
situation may causeI appreciate the opportunity to respond.Our records show that,
on July
11, 2016, seven items totaling $were presented for payment
against a balance of $in your accountGiven that there were not enough
funds to cover all of the items, you were charged six $overdraft item
feesBased on this information, we have determined that these fees are valid
However, as a courtesy, we refunded one $overdraft item fee to your
account on July 12, 2016.Subsequently, multiple
items were presented for payment against a negative balance, and deposits have not brought the account to a positive balance
(statement enclosed)As of the date of this letter, the account is overdrawn
Given 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.The posting order of
your items is in accordance with our Rules
and Regulations For Deposit Accounts
Enclosed is page of our Rules for your reviewOur Rules are provided at
account opening and on suntrust.com (see Menu? Personal Checking
Accounts?Features and Benefits?Overview Guides and Disclosures?Deposit Account
Disclosures).Also, regarding debit
card purchase, 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 balancesDetailed
information concerning this matter is included on page of our Rules
(enclosed)In order to decrease
the chances of overdrafts 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.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 website (see Menu? Personal Checking
Accounts?Features and Benefits?Overdraft Services)Instructions for signing up
for Overdraft Protection and setting up email or mobile alerts are also found
on our website.Mr***, I hope this
information is helpful to youShould you have any additional questions
regarding your accounts, 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

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

Re *** *** *** Revdex.com Case *** We have responded to ** *** by letter on June 18, If you have any questions about our response, please contact ** ***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