47th Place Carpet One Floor & Home

Dear [redacted]We have received and reviewed your correspondence forwarded
to us from the Revdex.com regarding the status of the above referenced account. I
appreciate the opportunity to respond.You mentioned that your account was closed on July 20, 2010
with about $100 owed to you. Your statement dated...

July 20, 2010 shows your
account was negative $863.05. Transactions continued to be presented against
the insufficient balance in the account through September 10, 2010, when we
closed your account with an owed balance of $1,633.05. I have [redacted] statements
showing the transactions from June 18 through September 20, 2010 for your
review. Based on this information and that items were presented for payment
against insufficient balances, we have determined that the assessed overdraft
fees are valid and will remain.Your account is currently with the collections agency **
[redacted]. Should you want to discuss a possible settlement offer, please call **
[redacted] at [redacted], we hope the information provided is helpful to you.
If we may be of further assistance, please don’t hesitate to call our DDA
Recovery Department at [redacted]. A representative will be glad to help you.Sincerely,[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, not interested in third party games. Overdraft has not been refunded nor have accounts been closed.  I think this bank is one if the worst banks I have had the misfortune to deal with. They have stolen $36 dollars from my account..  playing games by not responding.  What are they hiding?  No I do not accept offer.  
[Provide details of why you are not satisfied with this resolution.]
Regards,
Sherrie M[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.
First of all, Chris, the banker that opened my account told me that I would get 100.00 after making an opening deposit of 500.00 and having 500.00 per month in qualifying direct deposits. This was told to me TWICE, once in [redacted] where he had his little station set up promoting that scam, and once when the account was opened.  I did not receive a copy of the terms of that agreement, I was only going by what he advised of me. He told me that he would order my checks for me that day, which he didn't. This banker stated that he was not an actual employee of that branch but was an employee of a suntrust near Airport(If I am not mistaken) and was there helping. I had to go up to the branch 3 weeks later to check on the checks to which at that time I was told that they were not ordered and that I had to pay for them. I was not happy about that because I was told that my first set of checks were free, so strike one. The 2nd one was when I found out that my direct deposits were being held and not actually available until the next business day(Monday). This was something that was not made aware of, because in real life, when direct deposits are scheduled to be deposited in an account, they are usually there and available, not pending. 3rd strike is when you were charging overdraft fees when you should not have. Yes, you refunded 72.00 as you say a courtesy, but this was your mistake. Being with suntrust has been an absolute nightmare! Lies and misleading information for the 2-3 short months that I was there. The only positive thing that I have to say is that Patricia W[redacted] at the [redacted] location was super sweet and nice to me, and acknowledged every single mistake you made, while you are sitting here giving me canned responses and excuses insinuating that I am lying. Why would I make up something like this. Overdrafting accounts isn't my thing. I am so glad that I didn't have my full amount of my paycheck going into Suntrust. You will never EVER get another penny of my money. I just want the wrongs corrected and and acknowledged. 
Regards,
[redacted]

We have received and reviewed your correspondence forwarded
to us from the FRB and the Revdex.com regarding a deposit hold and our decision to
close your above referenced accounts. We appreciate the opportunity to respond.
SunTrust strives to provide you with the earliest access to your money...

within
the guidelines of sound banking practice. Although we may place a hold on
specific funds for a short period of time, this is done in adherence with
Federal Banking Regulations. As disclosed in our Funds Availability Policy
Disclosure For Deposit Accounts, which is provided at account opening and also
found on our website 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 August 4, 2016, a check for $1,000 was deposited to
your account (copy enclosed). During the review process of the deposit, we determined
that a hold needed to be placed on the account for $1,000 due to the reason
noted on the Notice of Hold (copy enclosed), which we sent you on August 5,
2016. This Notice of Hold also advised when the funds would be made available.
Please 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 check. You also mentioned the decision
to close your accounts. This decision was a business decision made by SunTrust,
as explained in the August 11, 2016 letter from our Fraud Risk Management
Department (copy enclosed). We have reviewed this matter again, and our
position remains the same. On August 10, 2016, you visited the [redacted] and withdrew the balance in each of the accounts (checking [redacted]
and savings [redacted]). The accounts are now closed (statements enclosed). You
requested that we reimburse you for all overdraft fees and late fees that you
have incurred at other financial institutions. We respectfully decline your
request. Mrs. [redacted], I understand this is not the resolution you were seeking
from SunTrust and regret any difficulty this situation may cause. Should you
have any questions or new information regarding this case, please call our
Fraud Assistance Center at [redacted]. A representative will be glad to speak
with you.

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 have never received anything from Suntrust,.  I received a call from them to advise me that they had received my complaint and someone would be in contact, but no one has.
[Provide details of why you are not satisfied with this resolution.]
Regards,
[redacted]

Re: Revdex.com complaint# [redacted] {[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.

December 14, 2016 [redacted] 
[redacted] 
[redacted] Re: Access 3 Home Equity Line of Credit Account ending in Revdex.com serving Central Virginia (Revdex.com) Case [redacted] Dear Mr. [redacted]: We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding the above referenced account. I appreciate the opportunity to respond. As referenced in the Loan Modification Agreement (copy enclosed), payments to SunTrust were to be made under the agreed upon terms beginning April 18, 2016. This outlines the date the Agreement would go into effect. However, the Agreement does not amend or change the due date of the account payment. Please also note that because your bankruptcy was dismissed on May 16, 2016, the Agreement is now void. Regrettably, we are unable to change the payment due date from the 12th of the month, and any late payments received will cause a late fee to be assessed. As such, any late payment reporting of your account to the credit reporting agencies is appropriate. Mr. [redacted], should you have any additional questions or concerns regarding your account, please contact our Bankruptcy Department at 800.635.3112. A representative will be glad to assist you. Sincerely, Seth *. M[redacted] Officer Client Advocacy Management Office

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.
This is the third time that SunTrust has shut down my account. The first time I made a deposit they said it was fraud they held my money for 2 weeks and then said they would keep the account open. I've had direct deposit going in for the last 4 months and there's been no problems. I made another deposit yesterday using my other checking account. And they closed and shut down everything again I don't know what is wrong with this company but I am done
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]
I have not received any offer that I can see?  I was contacted by Sun Trust but only to be informed my case was assigned to someone who would contact me.  That was the last I heard from them.

[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]

Dear [redacted]:We have received and reviewed your correspondence forwarded
to us from the Revdex.com regarding the EIN for accounts held in the name of [redacted]. I appreciate the opportunity to respond.You mentioned that you closed your personal EIN which is
being used for the accounts of...

[redacted]. The EIN was assigned to
that business, and even if it is closed, the number is not reassigned.For additional information regarding this matter, please use
the following link to the IRS wed
page:[redacted]. I have [redacted] a
printed copy for your reference.[redacted], please understand this is a matter that must be
resolved between you and the current business owners. If we may be of further
assistance, please don’t hesitate to call [redacted] or visit any SunTrust
branch. Our representatives will be glad to help you.Sincerely,[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.After receiving SunTrust's response to my complaint, they have offered no assistance to help me. They rearranged all of my debits/credits to my account to make me withdrawal and achieve the most overdraft fees possible. I have attached a copy of the bank statement they sent me, and you can clearly see from the "Date Paid" and the "Transaction Date" that they have moved all of my transactions around. I also made a cash deposit of $85.00 to insure that my account would not go into the negative, but they held that deposit for an entire 24 hours before it was available in my account, which caused more overdrafts.I would like all fees assessed on my account taken care of, my account closed, and a check for the remaining balance in my account. This should come to $53.66. The fees assessed on my account total to  $506 and my balance is - $452.34 so the difference would be the $53.66. 
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.I contacted Suntrust 8/8/16 as stated in Suntrust letter to me. Suntrust was not able to understand my request and dropped the call. Demand was to close all accounts and return money owed to me. Suntrust has failed to meet my demand.
Regards,
[redacted]

Dear [redacted]We have received and reviewed your correspondence forwarded
to us from the Revdex.com regarding assessed fees on your above referenced accounts
and our reporting of your loan account. Thank you for speaking with me about
your concerns. I appreciate the opportunity to respond.Your retails...

installment sale Contract which you and **
[redacted] signed on May 14, 2011, shows that you agreed to make 72 monthly
payments of $617.87 beginning June 28, 2011. You opened the checking account on
June 22, 2011 for deposits to be credited from your military allotment and for
payment to be drafted to pay the loan when you enrolled in SurePay, our automatic
payment Program. [redacted] is a copy of your signed authorization dated June 30,
2011. Also [redacted] is a copy of our letter dated July 11 ,2011 confirming the
first payment would be deducted from your checking account in July 28. 2011.Unfortunately, time was not allowed for the military
allotment deposit to be credited before the June 28, 2011 payment. The deposit
must be in the checking account at least 24 hours prior to its withdrawal. Because
we did not receive the June 2011 payment by the due date, we assess a $30.89
late fee to the loan account. The first payment credited to the loan account
was on the July 6, 2011, which satisfied the June 28, 2011 payment. The SurePay
draft was credited to the loan account on July 28, 2011, and returned to the
checking account for non-sufficient funds (NSF) because your [redacted] allotment had
not been received. A $25.00 returned check fee was assessed to the loan account
on that day. SurePay drafts were rejected due to non-sufficient funds in the
checking account on August 1 and 31, 2011 and no November 9, 2011, with $25.00
returned check fees assessed each time. On November 9, 2011 you were notified
that the SurePay was cancelled due to the returned checks ([redacted] are copies of the checking account statements for July
2011 through August 2012. Also [redacted] is a copy of your payment history. The loan
history shows the payments were 30 days late 20 times and 60 days late four
times. Based on this information the reporting of the account is accurate.As of the date of this letter, your loan is paid through August
2015, with a partial payment towards the September 2015 payment. Please contact
our Collections Department at [redacted] to make arrangements to bring your
loan current.[redacted], we hope the information provided is helpful to
you. If you have any questions or need further assistance, please do not hesitate
to call [redacted] or visit any SunTrust branch. Our representatives will be
glad to help you.Sincerely,[redacted]

Dear Mr. [redacted] : We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding our Online Banking with Bill Pay Service and the scheduled payment to your landlord that arrived late. I appreciate the opportunity to respond. When you visited suntrust.com...

to establish Online Banking with Bill Pay, you agreed to the Online Services Agreement (see Personal Banking~Banking -;:::t~Online Bill Pay--+Online Banking Service Agreement). In accordance with the terms and conditions of this Agreement (pages 9 through 11 enclosed), listed under (c) Bill Pay Service Guarantee, "The Provider will bear responsibility for any late payment related charges up to $50.00 per payment, should a payment post after its Due Date as long as the payment was scheduled in accordance with the guidelines described under "Bill Payment Scheduling" in the Agreement." Please keep in mind that, when scheduling payments, you must select a scheduled payment date that is no later than the actual due date reflected on your biller statement. Scheduled payment dates must be prior to any late date or grace period. When your landlord was contacted, he advised us that the actual due date for your rent payment is the first day of the month. You scheduled your rent payment for November 3, 2015, which was after the November 1, 2015 due date. For this reason, the bill pay guarantee is void in this instance. Based on this information, we respectfully deny a refund of late fees. Mr. [redacted], although this is not the resolution you are seeking, we hope the information provided is helpful to you. If we may be of further assistance, please do not hesitate to contact us via your Online Banking Profile, call 800.SUNTRUST (800.786.8787) or visit any SunTrust branch. Our representatives will be glad to help you. Thank you for choosing SunTrust for your banking needs. Kathy B[redacted] OfficerClient Advocacy Team

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.
12/09/2016 - Still awaiting decision on the credit account. One call was made by rep telling me they needed more time. After a response from a [redacted] post, they clarified their procedures but this still doesn't account for why it has taken 3 months to get a response from them. Still highly unsatisfied with this bank. In Feb it will be two years that we've held this account. Until I get a decision this case should remain open.Regards,
[redacted]

September 29, 2016 [redacted] 
[redacted] 
[redacted] Re: Credit Card Account ending in [redacted] Revdex.com serving Central Virginia (Revdex.com) Case [redacted] Dear Ms. [redacted]: We have received and reviewed your correspondence forwarded to us from...

the Revdex.com regarding Sun Trust's reporting of the account referenced above on your credit file. Thank you for notifying us of your concerns and providing us the opportunity to respond. Our records show this account was opened in your name only on June 30, 2015. Enclosed is a copy of the letter mailed to you on the same date that notified you of the application approval and the balance transfer. For this reason, we regret that we are unable to comply with your request to remove the reporting. If you have any documentation or written correspondence that you believe would provide evidence that current reporting is inaccurate, please forward it to me at our address or fax it to my attention at 877.789.6844. We will be glad to review any additional documentation you send us regarding this issue. Our records show that your account was closed with an owed balance of $8,272.99 on February 21, 2016. If you would like to discuss payment options, please contact our [redacted] This communication is an attempt to collect a debt and any Information you provide, whether written or verbal, will be used for that purpose. However, If your debt Is discharged In bankruptcy or you are protected by the automatic stay in a bankruptcy proceeding, SunTrust recognizes that you may not be lliable for this debt and this letter Is not an attempt to collect a debt but Is being sent for notice purposes only. [redacted] September 29, 2016 Page 2 Ms. [redacted], I understand this is not the resolution you are seeking from SunTrust. Should you have any questions, please contact our [redacted]. A representative will be glad to assist you . Sincerely, Seth A. M[redacted] Officer Client Advocacy Management Office

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.
I would like it to show Suntrust mortgage has horrible procedures for refinancing especially for existing clients as a review with Revdex.com. I asked for a response from their leadership VP to personally respond acknowledging my complaint and what she plans to do to assure current and future customers experience is better. I also plan to send the board of directors my complaint that reflects poor management. No Suntrust current customer or future customer should be subjected to this. The branch I visited three days ago even said they hear nothing but complaints with Suntrust mortgage. This would be resolved with correspondence from the person I named in my first letter who oversees all of Suntrust mortgage. 
Regards,
[redacted]