47th Place Carpet One Floor & Home

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.
While I am glad SunTrust got back to me, the issue is they still owe me money. There were two opened claims they never resolved and I never asked for any claims to be cancelled. One for $1500+ for Apple Store, and one for ASOS for $330. Please send me a check for those claims. Thank you! 
Regards,
[redacted]

SunTrust haa 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 Ms. [redacted]: We have received and reviewed your
correspondence forwarded 1o us from the Revdex.com regarding the hold placed on your
checking account referenced above. I appreciate the opportunity to respond Our
records show that, on August 21, 2015, you opened the above account at our
Blacksburg...

[redacted] Branch During the review process a business decision was made
to close your account. A hold was placed on the account in preparation !or the
closing. You were informed that the branch or area manager may be able to
override the account closing decision, but regrettably, this could not be done_
Sun Trust's right 10 close the account is documented beginning on page 22 (copy
[redacted]) of our Rules and Regulations tor Deposit Accounts, which is provided
at account opening and available on our website suntrust.com (see About Us ?Fee
Schedules ?Deposit Account Disclosures). Our records show the account is now
closed, and the funds were mailed to you on September 8, 2015 via Official
Check [redacted] for $1 00 Regarding the service you received, as well as the
service you mentioned when you visited our branch, your comments are very
important to us and were shared with the appropriate management. We understand
that we did not meet your expectations and regret any inconvenience caused. Ms.
[redacted], we wish you well in your future financial endeavors. If you have any
questions, please feel free to call me at [redacted] I will be happy to
help you.

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.
[The problem is not whether the fee is disclosed rather how it is disclosed. Their answers still fails to explain why I or any customer should have to dig through 7 pages of a PDF form  to find the fee schedule. It should be plainly written under the button. The link should not be provided for information rather additional information. In my opinion the web page is configured the way it is in order to make money.
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]

Dear Ms. [redacted]: We received your correspondence regarding the above referenced case. Because you did not include a signed authorization form from the client, we are unable to provide you a copy of our response to the client dated May 12, 2016. Upon receipt of the...

signed authorization form, we will gladly share a copy of our response with your office. Thank you for contacting SunTrust. Sincerely, Kewanna C[redacted] Officer Mortgage Escalations Resolution Team

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[redacted]

Re: Revdex.com complaint# [redacted] SunTtust 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 an overdraft fee assessed to the account referenced above. I understand the difficulty this type of situation may cause and appreciate the opportunity to respond.Our records show that, on...

February 10, 2017, a debit for $37.02 from [redacted] paid against insufficient funds. Based on this information, we have determined that the assessed overdraft fee is valid. Records further show that, on February 11, 2017, you contacted us about the overdraft fee, and as a courtesy, the $[redacted] fee was refunded to you (interim statement enclosed). Our records do not indicate that you have been charged an extended
overdraft fee because of the debit from [redacted].Regarding the transfer from your
account at [redacted], we show that a $50.00 credit from [redacted] posted to your SunTrust account on February 13, 2017. Your account was made positive with this deposit, thereby avoiding the extended overdraft fee that assesses on the 5th day after 5 consecutive business days of the account being overdrawn. SunTrust acts in accordance with all State and Federal laws and regulations and denies the allegations of wrong
doing.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 AboutBanking). You will also find useful information about our over draft 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.Mr. [redacted], I hope that the information about avoiding
overdrafts is helpful to you. 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 (800.786.8787). A representative will be glad to assist you.Sincerely,Kathy B[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]

Dear Ms. StevensWe received your correspondence regarding the above referenced case. Because you did not include a signed authorization form from the client, we are unable to provide you a copy of our response to the client dated February 19, 2016. Upon receipt...

of the signed authorization form, we will gladly share a copy of our response with you"r office. Thank you for contacting SunTrust. Sincerely, Kewanna [redacted] Officer Mortgage Escalations Resolution Team

Dear Ms. [redacted]:We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding SunTrust’s decision to decline the claim referenced above. I appreciate the opportunity to respond.We have researched your case again based on the information you provided. Following this review,...

our decision to decline the case will remain, as explained in the letter from our Fraud Assistance Center (copy enclosed). However, our records reflect that, on July 26, 2016, a transaction from [redacted] for [redacted] was credited to your account ([redacted]).Ms. [redacted], should you have any other questions regarding this case, please call our Fraud Assistance Center at [redacted]. A representative will be glad to speak with you.

SunTrust has responded to our client by telephone 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.There is submission of a communication error in Suntrust banking that should not be made the customers problem.  If there was an issue with endorsement them there should have been information given to the customer before the check was deposited.  This behavior is unacceptable.  There needs to be a resolution that makes this right.  I am still feeling like Suntrust knows they made a problem for our account and is not willing to correct it.
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.]First of all they lied my account was only overdrawn by ** cents. This bank is a scam, and I have always have issues with them. Worst bank to deal with. They are never on the customers side. Since I have had my account with them, I have had lots of issues with them.
Regards,
[redacted]

Dear [redacted]We have received and reviewed your correspondence forwarded
to us from the Revdex.com regarding an overdraft fee on the above referenced account.
We appreciate the opportunity to respond.Our records show that, On July 7, 2016, your account had a
balance of $262.96.However, two transactions...

were pending (USPS Change of
Address for $[redacted] and [redacted] for [redacted]) reducing your available balance to
$212.65. Five items totaling $217.96 were presented for payment against this available
balance, and the account was assessed one $36.00 overdraft fee. Based on this information,
we have determined that these fees are valid. As a courtesy, we refunded a
[redacted] Monthly Maintenance fee to your account on July 11, 2016. We respectfully
decline the request for additional refunds. The direct deposit of $663.41 was posted
to your account on July 8, 2016.The posting order of your items is in accordance with our
Rules and Regulations for Deposit Account. Enclosed is page 17 of our Rules for
your review. Our Rules are provided at account opening and on suntrust.com see
(Menu-PERSONAL BANKING-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 gold 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 debit and credits, to determine
their available balance. Detailed information concerning this matter is
included on pages 17 and 18 of our Rules.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. You will also find useful information about over
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. Instructions
for signing up for Overdraft Protection and setting up email or mobile alerts
are also found on our website.Thank you for bringing to our attention the quality of
service you recently received when requesting a refund of the fee. Your comments
are very important to us and were shared with the appropriate management team.
SunTrust strives to provide exceptional service with each and every client
interaction, and we regret that we did not meet these expectations in this
situation.[redacted], I hope this information is helpful to you. Should
you have any additional questions regarding your account, please do not
hesitate to contract us via your Online Banking Profile, call us at [redacted]
or visit any SunTrust branch. A representative will be glad to assist you.
Thank you for choosing SunTrust for your financial needs.

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.
The reason we do not accept is that the account was kept open when we were told and made the arrangement in person to close it. The only resolution accepted is to clear charges and close the account with an apology. We did not get the service we expected. I have had problems with bank security off and on. I was also promised a call from Mr. M[redacted] and did not get it, yet. We only received a letter charging us $30 to close the account in one bank statement period.
Regards,
[redacted]

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID 11079125, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
To:         Diane EvansCC:        Emilee StevensFrom:    Robert [redacted]Subject: Unfavorable result from  #11079125 complaintDear Diane E[redacted]:   Thank you for your attention and correspondence regarding my complaint.Regretfully I do not agree with your decision to exclude me from the Q3 offer and this is why.   You stated that the information I provided will help Sun Trust understand and put future emphasis on training. Your making my point exactly. You haverecognized that there is a training issue here and I totally agree. At signing Iwas provided only page one of three detailing the "Sun Trust Q3 Checking Offer"    By invitation I visited Branch Manager Debbie G[redacted] (Feb 2/25/16) and discussed thismix up and she assured me that she would request a re-open of this complaint given the conversation and documentation I provided to her in the branch .   Bottom line, I was never (verbaly or in writing) informed nor shown the"1 account per household restriction" until I spoke with Ms. G[redacted]. frankly, had thisbeen corresponded to us we would have certainly chosen a different option.   Isn't it clear that if this was not an internal training soft spot, I would have chosen the $200 account from the jump? Does it make sense that we would elect the lessor offer amount?   Doesn't the bank administer the requirements/exclusions and pass this information on tothe customer? I ask you to put yourself in my place and object fully think about a fair resolution.  What remains outstanding from Sun Trust:  Given the circumstances I feel I should, under an exception, receive the $200 dollars as promised (given I met all the requirements) the day I opened the account alongwith being given paperwork from the 'Sun Trust Q3 Checking Offer' stating a "successful account opening" document.    In closing, I so want to keep my $31,000 + in my Sun Trust savings and checking accounts.Sincerely,[redacted]Complaint # [redacted]Tel: [redacted]

Please see attached response.