47th Place Carpet One Floor & Home

SunTrust has responded to our client but cannot share the response with Revdex.com as no third party authorization was received. Please close this case on your records.

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.

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]

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.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.
[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.

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]

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.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]

[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.
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]

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]

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

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.

Dear Mr. [redacted]:We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding fees charged to your above referenced gift card. I appreciate the opportunity to respond.The disclosure provided at the purchase of a [redacted] Gift Card (copy enclosed), states that a “Monthly...

Inactivity Fee begins the fourth month following date of last activity and can reduce the card value to $0 prior to the stated expiration date”. Our records indicate that the [redacted] Gift Card was activated on January 4, 2015. Activation is an activity and therefore, based on this information, we have determined the fees are valid. For this reason, we respectfully decline your request to refund the fees. Mr. [redacted], although this may not be the answer you expected, I hope the information contained in this response addresses your concerns. Should you have any additional questions regarding your gift card, please do not hesitate to call us at [redacted]. A representative will be glad to assist you.Sincerely,Sherry ** F[redacted]

Dear Ms. [redacted]: We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding the posting of items and overdraft fees assessed to the account referenced above. We appreciate the opportunity to respond. Our records show that, on February 16, 2016, your...

account had a balance of $379.20, but there were two transactions pending payment (29.99 from LA Fitness and $152.24 from [redacted] Supercenter), reducing your available balance to $196.97. Eight debit card items totaling $210.67 were presented for payment against this available balance, and the account was assessed two $36.00 overdraft fees totaling $72.00. On February 17, 2016, your account had a balance of 110.53, which included the $14.00 ATM deposit. The [redacted] purchase of $152.24 was presented for payment, and the account was assessed·one $36.00 overdraft fee. Based on this information, we have determined that these .fees are valid. However, as a courtesy, we refunded two $36.00 overdraft fees to your account on March 3, 2016. Enclosed you will find statement copies reflecting the above transactions. The posting order of your items is in accordance with our Rules and Regulations For Deposit Accounts. Enclosed are pages 16 and 17 of our Rules for your review. Our Rules are provided at account opening and on suntrust.com (see Banking~Overview Guides and Disclosures_.,Deposit Account Disclosures). Also, regarding debit card purchases, once a debit card transaction (ATM withdrawal or purchase) 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 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 account. For this reason, clients must maintain accurate account records noting all authorized transactions, including pending debits and credits, to determine their available balances. Detailed information concerning this matter is included on pages 17 and 18 of our Rules (copy 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 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 shortfalls. Detailed 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. 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, call us at 800.SUNTRUST (800.786.8787) or visit any SunTrust branch. A representative will be glad to assist you. Thank you for banking with SunTrust. Sincerely, Sherry R. F[redacted] Vice President Client Advocacy 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]

October 12, 2017Re: Essential Checking Account ending in Claims [redacted], and [redacted] Revdex.com (Revdex.com) Case [redacted] We have received and reviewed your correspondence forwarded to us from the Revdex.com as well as additional correspondence from our executive office...

regarding SunTrust’s decision to decline the claims referenced above. I appreciate the opportunity to respond. Our records reflect that you contacted us on September 14, 2017 and reported that your purse was stolen and there were fraudulent charges on your debit card from various merchants. Claim [redacted] was established for a total of $[redacted] ($[redacted] at [redacted], $[redacted] at [redacted], $[redacted] and $[redacted] at [redacted]). On this same day you also filed a claim for $[redacted] ($** at [redacted], $[redacted] and $[redacted] at [redacted]). Claim [redacted] was established. We began investigating the claims. You contacted us again on September 19, 2017 and notified us of additional fraud on your account totaling $[redacted] ($[redacted], $[redacted]). Claim [redacted] was established and we began investigating the claim. During the investigation it was determined that the charges were valid and the claims were denied. You escalated your concerns regarding our decision to deny the claim and contacted the Revdex.com in addition to various executives within SunTrust. We have researched your case once more based on the additional information you provided. Following this review, our decision to decline the claim has been overturned. Your account was credited on October 4, 2017 for $[redacted], the total amount of all three claims as explained in the letters dated October 4, 2017 from our Fraud Assistance Center (copies enclosed). Your comments about your experience are very important to us and were shared with the appropriate management. The information you provided helps us to know where the emphasis for future training and process improvement efforts should be placed. We understand that we did not meet your expectations in this situation and regret any inconvenience caused. Ms. [redacted], should you have any questions regarding your claims, please contact our Fraud Assistance Center at [redacted]. A representative will be glad to speak with you. Sincerely, Kathy B[redacted] Assistant Vice President Client Advocacy Management Office

Dear Mrs.
[redacted]:We have received and reviewed your correspondence forwarded to us from the Revdex.comregarding the above referenced claim. I appreciate the opportunity to respond.Our records show
that Case [redacted] was established on February 4, 2017 for disputed purchases
totaling $216. Upon...

completion of our investigation, the case was approved, and
on February 13, 2017, we credited the account [redacted]. Also, on the same date, we
refunded the five $[redacted] overdraft item fees ($[redacted]) that were assessed
(statement enclosed). We resolved your claim within the 10 business day time
frame allowed for cases of this nature.The investigation
of your claim was in accordance with our Rules
and Regulations for  Deposit Accounts. Enclosed are pages 40 and 41 of our Rules for your review (see “In Case of
Errors or Questions About Electronic Transfers”). Our 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).Mrs.
[redacted], I hope this information is helpful to you. If you have any other
questions, please contact us at 800.SUNTRUST (800.786.8787). A representative
will be glad to help you.Sincerely,Diane E[redacted]