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. Chris L[redacted] – Officer – Client Advocacy Management OfficeSunTrust Bank I Take a step toward financial confidence....

Join the movement at onUp.com[redacted]  [redacted] [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]

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.
[MY issue was not address at all it appears that Revdex.com has to sign some sort of release
Regards,
[redacted]

This letter is in reference to your concerns that were
forwarded to the Client Advocacy Team. Thank you for providing us the
opportunity to research and respond, however we need more information to
proceed.I have attempted to reach you by telephone several times,
but have been unsuccessful. If...

you would like to speak with me regarding this
matter, please call [redacted], if you are unable to reach me please leave a
message with your number and the best time to call.I look forward to speaking with you, Thank you for banking
with SunTrust.Sincerely,[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

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.Hi Chris,Thanks for your response, however that does not answer my question nor fully provide an explanation to my issue. In the attached documents that you have provided further supports my case that your online system has issues.  ON Dec. 08 the print out you provided  (Page 3 of 6), shows that after all the transactions posted plus the [redacted] over draft fees (for the [redacted] and [redacted]) there was still [redacted] left in the account positive balance.  So again you charged me overdraft fees and my account was in a positive balance before and after the fees, why?As I have stated before you online system does not properly update and then blindly charged fees. The reimbursements that have been provided were due to similar errors but unrelated to this issue. As I have grown skeptical of the banking systems accountability I decided to raise the concern to higher levels (Revdex.com).  Attached I have additionally provided screen shots from the online system on those dates that support these errors. I am again asking (1) A review of the online system (2) Refund of the [redacted] charged on 12-08-2016. As I have accounts as other financial institutions I do not encounter these situations and are strongly considering moving my accounts.As for the overdraft protection, I removed this option a few years ago due to a breach of my information that left my checking account comprised. This was not a SunTrust error, so I do not feel comfortable linking my other accounts. I look forward to a prompt 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. I feel very aggravated and I cannot allow this injustice even if I have to sue this company. They have remained vague and stonewalled my request for explanation on why they deducted $400 from my account when no transaction ensued or was unsuccessful. My position has been consistent from the very start - that they view the camera and prove that their ATM machine dispensed $400 for an unsuccessful transaction which dispensed no money and printed receipt, and that I got that money because I am 100% sure that their ATM did not dispense $400. SunTrust wants me to prove that no money came out - what document will I produce to prove that? Nonsensical! The more direct approach is that SunTrust prove with their camera that I got the imaginary $400 they deducted from my account. Also, Suntrust should not claim that they refunded 2 $36 to me as courtesy because that is my money, and my account balance turned upside down because they refuse to correct what is wrong and unfair. If this is not resolved with Revdex.com's help, I will go to court because I am telling the truth and I am not hiding through vague statements and bogus claim. I earned that $400 through hardwork and that should be returned to me
Regards,
[redacted]

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.

December 15, 2016 [redacted] 
[redacted] 
[redacted] Re: Everyday Checking Account ending in Revdex.com serving Central Virginia (Revdex.com) Case [redacted] Dear Mrs. [redacted]: We have received and reviewed your correspondence...

forwarded to us from the Revdex.com regarding pending debit card transactions and an overdraft fee assessed to the above referenced account. We appreciate the opportunity to respond. 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 generally cannot be used for other purposes, even though the transaction has not posted against the account. Typically, 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 18 and 19 of our Rules and Regulations for Deposit Accounts (enclosed). The Rules are provided at account opening and also found on suntrust.com (see Menu -> Personal Checking Accounts -> Features and Benefits -> Overview Guides and Disclosures-> Deposit Account Disclosures). Our records show that, on November 23, 2016, your account balance was [redacted]. Three pending items totaling [redacted] reduced your available balance to [redacted]. It was against this available balance that one transaction of [redacted] from [redacted] was presented and paid from your account. Because this item paid against insufficient funds, one [redacted] overdraft fee was assessed to the account (statement enclosed). Based on this information, we have determined that the assessed overdraft fee is valid and will remain. 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 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. Mrs. [redacted], although this may not be the answer you expected, I hope the information about avoiding overdraft fees is helpful to you. If you have any 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, Seth *. M[redacted] Officer Client Advocacy Management Office

Re [redacted] Revdex.com Case [redacted]We have responded by telephone to our client but cannot share the response with the Revdex.com as no signed third party authorization was received.[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. Kathy B[redacted]Assistant Vice President

Dear [redacted]:We have received and reviewed your correspondence forwarded
to us from the Revdex.com regarding the above referenced accounts that were opened
without your authorization and the quality of service you received when you
visited the Historic Downtown Branch to discuss the accounts. Your...

comments are
very important to us and were shared with the appropriate management team. I
appreciate the opportunity to respond.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.In you correspondence you suggested the unauthorized accounts
were open due to an internal SunTrust breach. Our investigation of your claim,
case [redacted], was unable to find any evidence that a SunTrust employee
was associated with the unauthorized account openings. Each of the unauthorized
accounts was opened online on April 25, 2016, using your personal information. The
accounts were not opened at a branch.We were able to confirm that no funds were removed from any of
your accounts by the fraudster. As stated in our May 31, 2016, letter
([redacted]), we approved your claim and will remove all negative reporting associated
with your name.As of the date of this letter, our records show that all of
your accounts are closed. For this reason, your Online Banking Profile is
inactive.[redacted], we hope this information contained in this letter
will alleviate any further concerns. If you have any questions or need further
assistance, please do not hesitate to call out Fraud Assistance Center at
[redacted]. A representative will be glad to help you.Sincerely,Swth M[redacted]

Dear [redacted]:We have received and reviewed your correspondence forwarded
to is from the Revdex.com regarding overdraft fees assessed due to the posting order
of items to the above referenced account. We appreciate the opportunity to respond.Our records show that, on September 28, 2015, eight...

times,
totaling $929.85 were presented for payment against a balance of $875.45. Given
that there were not enough funds to cover all of the items, you were charged
four $36.00 overdraft item fees, totaling $144. Based on this information, we
have determined that these fees are valid. However, as a courtesy, we refunded
$108 in overdraft fees. This credit will reflect on your next statement. The other
overdraft fee will remain.The posting order of your items is in accordance with our
Rules and Regulations For deposit Accounts. [redacted] are pages 16 and 17 of our
rules for your review. Our rules are provided at account opening and on
suntrust.com.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 above 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.[redacted], we hope this information is helpful to you. Should
you have any further questions regarding your account, please feel free to
contact us via your online banking profile, call us at [redacted] or visit any
SunTrust branch. Our representatives will be glad to assist you. Thank you for
banking with SunTrust.

[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]

Re·: Revdex.com complalnt # [redacted] SunTrust has responded to our client but cannot share the response with the Revdex.com as no signed third party authorization was received.

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 not waiving my rights to pursue legal actions as stipulated in the third party agreement. I have all of my phone calls recorded which clearly states that my name will be removed completely from [redacted]. They are the only bank in the universe willing bury their customers alive over $100 in charges that were not mine in the first place. For them to ask me to waive my rights says it all...shysters. When banks insist on having the only recourse and the consumer has none that's called corruption. Suntrust can record its customers, but a person is not allowed to record them. I am not signing Gustapos third party Hitler's agreement. Unfair. One sided. I will sue if necessary.
[Provide details of why you are not satisfied with this resolution.]
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]

Wanda H[redacted] SunTrust Mortgage, Inc. Officer Mail Code: [redacted] Mortgage Escalations Resolution Team P. O. Box [redacted], VA [redacted] Tel [redacted] September 29, 2017 
[redacted] 
[redacted] 
[redacted] Re:...

Loan Number: Property Address: [redacted] Case Numbers: [redacted] and [redacted] Revdex.com Case Number: [redacted] We have received and reviewed the letter forwarded to our office from the Revdex.com and your letter dated September 6, 2017 regarding the above referenced loan. We appreciate the opportunity to look into the issue raised and to provide a response. Our records reflect that in 2012, the loan became delinquent. In accordance with the enclosed signed Mortgage for the purpose of protecting the Lender’s interest in the property and rights under this Security Instrument, once the loan becomes delinquent an inspection may be ordered on the loan to determine the condition of the lot. Your file reflects that in 2012 and 2013, several property inspections were completed as well as the lawn maintenance was performed. We have reviewed your loan and agreed to waive the current lawn maintenance fee balance of [redacted]. In addition, we have enclosed SunTrust Mortgage, Inc. check number [redacted] in the amount of [redacted], which represented the lawn maintenance fees you previously paid. As of the date of this letter, your account is due for the November 1, 2017 monthly mortgage payment. The current fee and charge balance is zero. Mr. [redacted], I trust this letter has addressed your concerns and I apologize for the inconvenience this matter may have caused. If you have any questions regarding this letter, you may contact our Mortgage Escalations Resolution Team at [redacted], Monday through Friday from 8 a.m. to 6 p.m., ET. Sincerely, Wanda H[redacted] Officer Mortgage Escalations Resolution Team

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]
the response said they have made contact with me and cannot share with Revdex.com, this is not true only response was an email asking me to phone them which I have not as I want something in writing,  I hereby authorise Suntrust to share the data sent to me with Revdex.com

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.