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. FDiane E***

Dear
Ms***:We have
received and reviewed your correspondence forwarded to us from the Revdex.com regarding
the status of the claim referenced above and the time frame for resolutionI
appreciate the opportunity to respond in writingOur records
indicate that on January 13, you reported a
malfunction at an *** that
resulted in an error message with no confirmation of the cash deposit made
Claim *** for $1,was established on this day and you were mailed
documents requesting relevant information for the occurrenceAs of January 19,
2017, we do not show that these documents have been returnedPlease complete
and return the documents so that we may continue with the investigation When a claim
regarding an *** is filed, we have ten businesses to investigate the error and
provide you with the resultsIf we need additional time to investigate the
claim, we may take up to days and your account will be provisionally
credited with notification being sent to you within two business days of the
provisional credit being appliedCurrently, your
claim is still within the business day time frame for investigationYour account
ending in *** is currently at a zero balanceI do not show any penalty fees currently
being assessed to the account based on this claimPlease see the
enclosed copy of the letter dated January 20, 2017, which advises your account
was provisionally creditedAlso enclosed is a statement copy for your reviewMs***, if
you have any additional questions or need further assistance regarding your
fraud claim, please contact the Fraud Assistance Center at ***Our
representatives will be happy to assist you.Sincerely, 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
As I stated in the original complaint, my account was closed due to a negative balance, before this matter had been resolved, and before any credits had been made to my account I appreciate the crediting back of all feesHOWEVER, as part of the resolution to this matter, I'd like for my account to be reopenedIt troubles me that it was closed (with an "account closed in overdraft fee of $30) in the first place
Regards,
*** ***

Dear Mrs***: We have received and reviewed your correspondences forwarded to us from the CFPB and the Revdex.com regarding fraudulent activity on your above referenced accountWe appreciate the opportunity to respond. Our records show that you notified us on October 23, to
dispute three debit card purchasesWe set up Case *** for the total of $1,for the three *** purchases ($.79, $, and $418.22) posting on October 27, These transactions are shown on your October 31, statement (copy enclosed)During our initial investigation we determined that no error occurred, and your case was denied as stated in our October 30, letter (copy enclosed). We reviewed your case again and determined the case was declined in errorThe claim was approved, as stated in our November 16, letter (copy enclosed)Your account was credited $,on November 13, (copy of your November 30, 2015 statement enclosed). Mrs***, we do apologize for any inconvenience this situation may have causedIf you have any questions or concerns regarding your accounts, please do not hesitate to contact us via your Online Banking Profile, call us at 800.SUNTRUST (800.786.8787) or visit any SunTrust branchThank you for choosing SunTrust for your financial needs. Sincerely,Cora-S*** ***

Re: *** *** Revdex.com Case *** We responded to Mr*** by letter on June If you have any questions about our response, please contact Mr***. Sincerely, *** ** *** Vice President and Manager Executive Services

Revdex.com:
I never heard anything or received any contact from the bankThey have not tried to settle the issue at
all no response was 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 reviewedI never heard anything from them they haven't even contacted me
Regards,
*** ***

See attached

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. Haywood LB***OfficerWholesale Client Advocacy Research & Resolution Team *** ***
***
***
*** *** ***
*** *** *** *** ***
*** ** *** 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

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID [redacted], 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 no offer of assistance and only further harassment and threats from SunTrust's attorneys.  SunTrust is not providing consideration to my predicament which has been created by SunTrust and perpetuated by SunTrust.  The SunTrust representative completely (intentionally?) missed the point of my complaint.  SunTrust has not called me nor returned my phone calls. They have shuttled me to a collections lawyer and basically shut me down as a customer.  The issue is that SunTrust misled me regarding my loan, see the SunTrust modification denial letter from May 2016 (provided in SunTrust's response to this complaint) which only states that I was "ineligible" for modification, however, SunTrust refused (and continues to refuse) to put the actual reason in writing, what I was told by their representatives "that my loan could not be modified because it is not secured." I have been given a total run around by SunTrust, contradictory messages, and now they are treating my loan that they told me on recorded line was not secured, as secured, and foreclosing as such. Please have SunTrust review their recorded call logs for evidence of how they misled me. Please help me stop this predatory behavior. Please help me get resolution to this issue at hand and not a diversionary run around. Thank you. 
Regards,
[redacted]

[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 [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [redacted]
Regards,
[redacted]

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

Re: Revdex.com complaint# [redacted] 
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 onyour records.

December 16, 2016 [redacted] 
[redacted] 
[redacted] Re: Essential Checking Account ending in [redacted]) Case [redacted] Revdex.com (Revdex.com) Case [redacted] Dear Ms. [redacted]: We have received...

and reviewed your correspondences forwarded to us from the [redacted] and the Revdex.com regarding the posting order of items and the overdraft fees charged to your above referenced account. I appreciate the opportunity to respond. Our records show that, on November 14, 2016, your balance was [redacted]. One pending item for [redacted] decreased the available balance to [redacted]. Five items were presented for payment on that day and paid, with one [redacted] overdraft item fee assessed. Your end-of-day balance was negative [redacted]. Likewise, on November 16, 2016, your balance was [redacted]. Four pending items totaling [redacted] reduced the available balance to [redacted]. Then 13 items were presented and paid, and one [redacted] overdraft item fee was assessed. Your end-of-day balance was negative [redacted]. For your reference, I have enclosed a copy of your November 2016 statement reflecting these items. Given that there were not enough funds to cover all of the items presented for payment, we have determined that these fees are valid. However, as a courtesy, we refunded a [redacted] fee to your account on December 14, 2016, which is reflected on the enclosed interim statement. Beginning on November 4, 2016, SunTrust changed the order in which transactions post to your deposit accounts. The posting order of your items is in accordance with these changes as explained in our enclosed Personal Deposit Accounts Fee Schedule (see pages 17 and 18). Our fee schedule is provided at account opening and on suntrust.com (see Menu -> Personal Checking Accounts -> Features and Benefits -> Overview Guides and Disclosures -> SunTrust Fee Schedules). 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 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 shortfalls. Detailed 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. You also expressed concern that a previous complaint regarding this same matter had not been addressed. We understand that you were contacted and the overdraft fees were discussed; however, we regret that the matter was not resolved to your satisfaction at that time. Ms. [redacted], 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 800.SUNTRUST (800.786.8787). A representative will be glad to assist you. Sincerely, Chris L[redacted] Officer Client Advocacy Management Office

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. F. Diane E[redacted]Assistant Vice President - Client Advocacy Office SunTrust Bank | Take a step toward financial...

confidence. Join the movement at onUp.com.[redacted]  .   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 material. Any 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 prohibited. If 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]

Re: Revdex.com complaint# [redacted] 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.

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Over draft fees are charged for items that cause your account to go into the negative. My account at that time was not ever shown as being in a negative state.  If that was the case then when the item in question was presented for payment why was the bank showing my account as having a positive balance. Although the items they quoted were on hold previously it appears that the hold was release and I'm still charged an over draft fee. Never once did my account show unavailable funds.
Regards,
[redacted]

[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 [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [redacted].
Regards,
[redacted]

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID [redacted],...

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,
[redacted]
Good morning,My complain t has not been resolved. Suntrust Bank keeps insisting they reported accurately that I am late while it is their fault for not advising me that ny auto pay was short and the on line auto pay for an additional $500 for principal deduction([redacted])  did not go through. There was no correspondence whatsoever from April to end of August and they admitted so and they waived the late fee.My credit should be restoredThank you[redacted]

[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 [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [redacted].
Regards,
[redacted]
Received, thank you. Suntrust bank resolved the issue and restore money and fees on my account after I made the written complaint to Revdex.com .thank you so much my banking account its clear, good stand and money reimbursed after they have closed my case and I was disregarded as a client.

Dear Ms. [redacted]: We have received and reviewed your correspondence regarding the status of the fraud cla!m referenced above. I am sorry to learn of the fraud that occurred on the account and understand how frustrating a situation ·like this can be. I appreciate the opportunity...

to respond. Our records show that, on March 15, 2016, you contacted our Fraud Assistance . ! Center to report an unauthorized debit card purchase that was pending on your account for $182.73 from BestBuy. At that time, Claim 2641230 was established. This unauthorized .debit did not cause your account to be overdrawn, and no fees were assessed because of the debit. Upon receipt of the notification of unauthorized activity, we started our investigation. On March 22, 2016, our Investigation of your cla!m was completed and we determined that you are not liable for the charge. A credit for $182.73 posted to your account on March 22, 2016 (statement enclosed). You were concerned about the length of time for a provisional credit to post to your account. In accordance with our Rules and Regulations For Deposit Accounts (pages 42 and 43 enclosed), we will provisionally credit your account within ten business days from the date you provide us with confirmation of the disputed amount. Our Rules are provided at account opening and available on our website suntrust.com (see About Us-Fee Schedules-.Deposit Account Disclosures). Your comments about the claims process are important to us and were forwarded to the appropriate management area. We understand that we did not meet your expectations in this situation and regret any inconvenience caused . 04-13-'16 15:28 FROM-SUNTRUST T-324 P0003/0010 F-500 Ms. [redacted], we hope the Information contained in this letter will alleviate any further concerns. Should you have any additional questions· regarding your claim, please contact our Fraud Assistance Center at 800.447.8994. A representative will be glad to · assist you. Thank you for banking with SunTrust. Sincerely, Kathy B[redacted] Officer Client Advocacy Office