47th Place Carpet One Floor & Home

Please see attached response.

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.

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. [redacted] Assistant Vice President, Client Advocacy Management Office

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.

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]

We responded to Ms. [redacted] by letter on April 30, 2015. If you have questions about our response please contact Ms. [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.I am [redacted] the victim of fraudulent checks which are reflected on the bank statement enclosed, check #'s [redacted] - [redacted]. I have been advised by the [redacted] 
[redacted] to seek help through your organization as it is very unlikely that any restitution will come from the felons. I have enclosed a copy of the fraudulent checks and believe that there should be a system used by SunTrust Bank to verify signatures on an account before processing a transaction. I maintain my position that I should be compensated for the total amount of the checks in question.  
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.
The bank is keeping the inquiry on my credit report, even though I have clearly state that it is not mine and that there was a fraud alert on my account at the time.  The inquiry was not mine.  The bank states that the fraudster used my details to make the inquiry and seems to think that absolves the bank of further responsibility.  It does not.  Of course the fraudster used my details - that is how the inquiry shows up on my credit report.  Keeping the inquiry on my credit report damages my credit rating.  SunTrust is behaving outrageously.
Regards,
[redacted]

We resolved Mr. [redacted] concerns by speaking with him on the phone on November 14, 2016.  We explained the reason for the overdraft fee but did credit the overdraft fee of $36.00 to the account.  We confirmed that his account was closed.  We also apologized for the inconvenience...

this matter may have caused. Should you have any questions, please feel free to let me know. Please close this case on your records.  Chris L[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.
The researched response and detailed explanation of the fee are incorrect.  The transaction in question for $75.96 actually occurred on 06/03/2016 as verified by the attached receipt.  This transaction was also cleared from my account on 06/04 leaving my remaining at balance at $84.71.  The second transaction of $37.98 was presented on 06/08/2016.  If this amount was subtracted from the agreed on current amount, there should have been a remaining balance of $46.73 before the $274 deposit.  Based on the agreed sequence of transaction 2, it should have been impossible to incur this fee.This "transaction error" was then compounded back the fact that I have now spoke with 3 representatives from Suntrust bank who gave me 3 different explanations of how this could occur.  They each proceeded to advise me that I was ineligible for a "courtesy credit" because I received one on 06/17/2015.  This incident occurred on 06/09/2016, 9 days earlier the one year mark.  I felt in the effort of courtesy, Suntrust could have "approved" this annual occurrence considering it would once again disqualify me from received another credit. Granted they valued me as more than a series of numbers on a checkbook, they would have found me human and realized that although this 1 fee would not be a drop in the bucket to their establishment, it had been earmarked to cover 1 week of swim lessons for my 8-year old.  I am not closing the account because I'm upset about a fee as I can always make more money, my account will be closed because it is clear that your company does not value me as a customer. 
Regards,
[redacted]

We have received and reviewed you correspondence forwarded
to us from the CFPB and the Revdex.com regarding the closure of the above referenced
account. We appreciate the opportunity to respond.You indicated that a check you deposited by mobile deposit
caused your account to be closed. Our records...

reflect that, on April 13, 2015,
the [redacted] mobile check deposit for $500 was credited to the account. Your
account was new (opened April 9, 2015) and there was no maker contact information
provided on the check to verify the funds. The only comparable item we had on file
was another deposit that consisted of cash and a payroll check for $39.41.Based on the above information, a business decision was made
to close the account. This is further explained on page 22 ([redacted]) of our Rules
and regulations for Deposit Accounts which is provided at account opening and
on our website [redacted].We send the funds from the account closing balance to you,
but that check was returned because you had not included your apartment number
with your address when you open your account. On May 28, 2015, the check was
mailed to you again with the correct address. You may take the c heck, which
you should have received by now, to any SunTrust branch and provide
identification to cash the check.[redacted] if you have not received your check, or if you have
additional concerns, please contact us at [redacted]. One of our
representatives will be glad to assist you. We wish you well in your future
endeavors.[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 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]

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. Thomas F[redacted]

Dear [redacted]:We have received and reviewed your correspondence forwarded
to us from the Revdex.com regarding a payment made with a posted check from your above
referenced account. I appreciate the opportunity to respond.Our record shows that, on October 19, 2015 Check [redacted] for
$370 was presented and...

paid form your account. You stated the check was postdated
October 20, 2015 and you would not have the funds to pay the check until the
date. In accordance with our Rules and Regulations for Deposit Accounts,
provided at account opening on our website suntrust.com posted items are
treated as demand items and payments at presentment. You request a refund of all the overdraft fees assessed due to
the payment of the postdated check. We have refunded three of the five $36.00
overdraft fees, totaling $108, as a one-time courtesy. The other two fees will remain.
[redacted] is your October 23, 2015 statement reflecting these credits.[redacted], I 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 or call us at [redacted]. Our representatives
will be glad to help you. Thank you for banking with SunTrust.Sincerely,[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. My overdraft fees got refunded the remainder two even though the reply stated that they wont do it.
Regards,
[redacted]

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. [redacted]: We have received and reviewed your correspondences forwarded to us from the Revdex.com and the CFPB regarding the quality of service you recently received when you contacted us about the balance owed on the above referenced account. I am very sorry to learn that you...

were a victim of an apparent scam and understand how frustrating a situation like this can be. Thank you for the opportunity to respond. 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 understand that we did not meet these expectations in this situation. For that we apologize. The information you provided helps us to know where emphasis for future training and process improvement efforts should be placed. We learn how and where we can improve from clients like you, taking the time to share your experiences. We show that your account was closed with an owed balance of $1,083.54 ($1,053.54 plus a $30.00 account closed in overdraft fee) on December 18, 2014 (statement enclosed). We received and applied your $250 payment on November 12, 2015. In addition, we have credited a total of $163 to the account as a courtesy because of the difficulties you experienced when inquiring about the balance, which reduced the amount currently owed to $670.54. As a further courtesy, we have requested Early Warning Systems to remove our reporting of the account from your records. We have confirmed that we are not reporting the account to any other consumer reporting agency. Because funds are still owed on the account, we ask that you please send a check or money order for $670.54 to bring the account to a zero balance as soon as possible. This will ensure that the debt does not reflect on your credit file in the future. Our mailing address is: 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 at 800.SUNTRUST {800.786.8787) or visit any SunTrust branch. A representative will be glad to assist you. Sincerely, Seth [redacted] Officer Client Advocacy Team

Dear Ms. [redacted]: We have received and reviewed your correspondences forwarded to us from the C FP B and the Revdex.com regarding payments to your above referenced accounts. I appreciate the opportunity to respond. Our investigation into this matter has shown that the payments made to...

your loan and equity line accounts on April 15, 2016 were not the result of a bank error. Our records show that, on March 28, 2016, you scheduled automatic transfers of $244.49 to your auto loan account and $119.47 to your equity line account via Online Banking, each with a payment date of April 15, 2016. On April 6, 2016, you scheduled further automatic transfers of $250.48 to your auto loan account and $119.47 to your equity line account, again via Online Banking and with payment dates of April 15, 2016. Regrettably, we are unable to reverse these payments because doing so would make each of the accounts past due. Ms. [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 additional questions or concerns regarding your account, please do not hesitate t o 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, Seth A. M[redacted] Officer Client Adv ocacy Management Office