47th Place Carpet One Floor & Home

We have provided a response to the client over the phone.
Per the State of MD DMV email dated 6/18/2015 they have process the tile in the
name of [redacted] and [redacted]. We denied the client a refund in fees.

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.
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]

Dear Mr. [redacted]: We have received and reviewed your correspondence forwarded 10 us from 1he Revdex.com regarding the above referenced accoun1s. We appreciate the opportunity to respond. SunTrust's [redacted] SkyMlles® Debit Card Program implemented new terms and conditions along with a new...

program effective July 25, 2015, as outlined In the enclosed Terms and Conditions for [redacted] SkyMl!es® Debit Cards. The new terms and conditions were malled to you prior to the effective date. In addition, the limits were communicated again In January 2016. These changes are In accordance with the Program Changes & Termination section of the SkyMlles Rules & Conditions, located at [redacted].com/membergulde, which disclose that [redacted] and its program partners reserve the right to change program rules, benefits, mileage regulations and fees at any time without notice. The Included Terms and Conditions provide lnforma1lon about how SkyMlles are earned, what are considered qualifying purchases and the monthly cap for SunTrust clients who hold a Signature Advantage account and 1hose who hold other account types. I have also enclosed a copy of our Personal Deposit Accounts Fee Schedule, which provides requirements for our Signature Advan1age account This Information will better assist you wi1h determining what Is required for each se1 of program 1erms. Regrettably, we are unable to honor your request for reimbursement of SkyMlles under the previous terms. Your comments regarding the quality of service you received when Inquiring about this matter are very lmportant to us and were shared with the appropriate management team. SunTrust strives 10 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 .

[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]

December 12, 2016 [redacted] 
[redacted]...

[redacted] 
[redacted] Re: Checking Account ending in Claim [redacted] Revdex.com (Revdex.com) Case [redacted] Dear Ms. [redacted]: We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding your above referenced claim. We appreciate the opportunity to respond. Our records show that, on July 6, 2016, you contacted us to dispute twenty-three checks totaling [redacted] that posted to your account from June 8 through July 5, 2016 (statement enclosed). Claim [redacted] was established at that time. On July 8, 2016, a member of our Corporate Security team met with you to discuss your concerns. At that time, we advised you that we would not compensate you for the disputed checks. We recommended that you pursue action through the court system where you may be able to seek restitution. Your concerns have been thoroughly reviewed and our position remains the same. Ms. [redacted], should you have any other questions regarding this matter, please call our Fraud Assistance Center at 800.447.8994. A representative will be glad to speak with you. Sincerely, Chris L[redacted] Officer Client Advocacy Management Office

Dear Mr. [redacted]:We have received and reviewed correspondences forwarded to
us from the Revdex.com and FRB regarding fraudulent activity on the above referenced
account. We were recently informed that these complaints were filed in your name by
your father Mr. [redacted] Ill....

Because we do not have your authorization to
speak with Mr. [redacted] Ill about your personal and account information, we are
responding directly to you . The following three claims were filed for unauthorized debit
card transactions that occurred on your checking account.• Fraud Claim 2352919 was filed for a July 24, 2015 debit
card purchase from RI FLA for $415. This was a merchant dispute and not a true
fraud claim. The dispute was resolved when the merchant credited your account
$415 on July 27, 2015. These transactions are reflected on your
[redacted] July 27, 2015 statement.• Fraud Claim 2395752 was filed for two debit card purchases
at [redacted] totaling $12.60 (August 25, 2015 for $4.60 and August 26,
2015 for $8.00). We paid these transactions on August 28, 2015, and the credit
is reflected on your September 24, 2015 statement (copy [redacted]). • Fraud claim 2389121 was filed for 22 unauthorized
transactions that were debited between August 21 and 26, 2015 totaling $865.32. Our
Fraud Management team reviewed the transactions again and
determined the transactions were fraudulent. Therefore, a final credit of
$865.32 was issued to your account on November 6, 2015. This credit will be
reflected on your next statement. Regarding your account, if you would like us to
discuss and release account information to someone other than yourself, please
provide notarized written authorization naming a designated person and the last
four digits of their Social Security number. You may fax this to my attention
at [redacted] It is Sun Trust's policy to offer its banking products and
services, including credit products, to any qualified applicant in a
responsible and nondiscriminatory manner, and in compliance with all applicable
Fair Banking and Consumer Protection Laws. SunTrust is committed to fairly
representing its products and services and honestly and transparently
disclosing the associated costs and fees. Our goal is to provide value to our
clients, protect their interests, and assist them in selecting the products or
services that meet their needs. To that end, we scrutinize our disclosures to
ensure that they are clear and understandable; verify that information provided
to our clients is complete and accurate; and listen to our clients' expressed
needs. We provide comprehensive training to our employees and perform ongoing
monitoring to ensure compliance with Consumer Protection Laws and Regulations.
We take allegations of unfair, deceptive, or abusive acts and practices
seriously and do not tolerate these actions from any employee. Mr. [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 [redacted] or visit any SunTrust
branch. A representative will be glad to assist you . Thank you for choosing
SunTrust for your financial needs. Sincerely[redacted]

Dear [redacted]:We have received and reviewed your recent correspondence
forwarded to us from the Revdex.com regarding an overdraft fee on your above
referenced account. We appreciate the opportunity to respond.Our records show that, on June 1, 2016, your account had a
balance of $1,127.40. An ATM deposit...

for $34.00 increased your available
balance to $1,161.40. In addition, three items totaling $1,167.38 ([redacted] for $1,115.90, [redacted] for $41.48 and check [redacted] for
$10.00) 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 the fee
is valid. Your account has been credited with [redacted] refunds this year
([redacted] on February 17 and [redacted] on April 11) for a total of [redacted]. We respectfully
decline your request for an additional refund.[redacted], I hope this information is helpful to you. Should you
have any additional questions regarding your account, please do not hesitate to
call us at [redacted] a representative will be glad to assist 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 yourr reference details of the offer I reviewed appear below.Suntrust contacted me regarding the complaint promising me a credit to my account however the credit was never received. Due to the time and inconvenience this has caused me as well the poor business ethics they've shown in requesting a $** credit to my account and that a representative call me upon giving me the credit to discuss the issue I have with the bank
[Provide details of why you are not satisfied with this resolution.]
Regards,
[redacted]

Dear Ms. [redacted]: We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding your online statements reverting back to paper statements without you requesting this change, causing a paper statement fee. I appreciate the opportunity to respond in writing...

.. You have expressed your concerns that in order to avoid a statement fee it is necessary to receive online statements. You have selected this option numerous times and continue to have issues with the statements reverting back to paper statements. Because your account is a joint account with your son, when on line statements are ready to be reviewed, a message is sent to both email addresses contained in our records. The joint owner on the account does not have the same email address as you referenced in the complaint. If either account owners' email provider rejects the message, online statements will revert back to paper statements for. both owners of the account and fees will apply. We have spoken to our online banking specialist and they are suggesting that the email providers have sc;>me type of filter or block that is rejecting our emails. You should speak with both emaii providers and ask them to assist with removing the filter or block. When you contact them, please let them know the emails are coming from [email protected]. Please riote that you cannot reply to that email address. When we spoke on the phone, you indicated that you would update the account with the same email address you are currently using. Please make sure you confirm your choice to receive statements via online banking. When the statements revert back to paper, the account is charged a fee of $3. Our records indicate that the account was charged a $3.00 paper statement fee on ·September 25, and December 25, 2015 and again on January 26, 2016. Those fees were refunded as a courtesy on the following dates September 28, December 31, 2015 and January 28, 2016 due to the ongoing issue you have been reporting. You also had concerns about monthly maintenance fees charge to the account. When the statements revert back to paper, the account is being charged a maintenance fee. Your account type, Essential Checking, requires that you must have 10 or more client initiated transactions per statement cycle and to receive online statements to avoid the monthly maintenance fee. The account was assessed a $7 maintenance fee on the following dates: February 24, April 27 and June 25, 2015. These fees were refunded on February 27, April 28, and June 26, 2015. You can access your online account statements to view all of the transactions mentioned above. If you have questions or concerns regarding a fee appearing on your statements not mentioned, please contact me and I will be.glad to research any new information. Ms. [redacted], we hope the information provided is helpful to you. lfwe may be of further assistance, please 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 banking with SunTrust. I hope this information is helpful to you. Sincerely, Kathy [redacted] 
Officer Client Advocacy 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.This has not been resolved. Suntrust contacted me and said a response would be given to us by February 14th, 2017. As of today's date, nothing has changed. The charge from [redacted] has not been refunded. Nor have we heard anything from Suntrust in over a week.
Regards,
[redacted]

Spoke with client on 
10/12/15 and the issue has been resolved.

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.
As a part of my issue is not receiving valid information by way of telephone, I have sent SunTrust bank a letter asking to correspond with me via email or U.S. Mail to discuss. I have not received a response 
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.

Dear Mr. [redacted]: We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding the allocation of monthly payments to your above referenced account. We appreciate the opportunity to respond . We regret you were not satisfied with the service you received...

when you contacted us about the extra payments not being applied to principal as you requested. Please be assured your comments concerning this matter were forwarded to the appropriate management area . The information you have provided helps us to know where the emphasis tor future training and process improvement efforts should be placed . Your account has been reviewed, and all payments have been corrected (copy of payment history enclosed). In addition, we have notated your records to apply all extra payments as principal. Mr. [redacted], we hope the information contained in this letter will alleviate any further concerns. If you have any questions or need further assistance, please contact us via your Online Banking Profile or call us at 800.SUNTRUST (800.786-8787) . A representative will be glad to help you. Sincerely, [redacted] Assistant Vice President Client Advocacy 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.
How is possible for a bank to block a business debit card every other day for a month and not care about a customer complaining about this? Also how is possible for Mr B working at this bank not to see all the blocks placed on this card? There was another block on our card yesterday! This is unacceptable and I wanted this publicly posted for all suntrust customers to know what can expect. Sure suntrust doesn't pay for his mistakes it's the cusomer paying all the time (in this case my time wasted every other day with a long wait in line for customer service)
[Provide details of why you are not satisfied with this resolution.]
Regards,
[redacted]

On May 11, 2016, we sent a request to the submitter requesting additional information regarding her deceased fathers account. As of the date of this fax, we have not heard from [redacted] Please close this case on your records.

[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]

We resolved this case by phone.  I spoke to the client and refunded $200.00 in overdraft fees. Please close this case on your records.  Sherry R. F[redacted]Vice President, Client Advocacy Management OfficeSunTrust BankTake a step toward financial confidence.Join the movement at...

onUp.com. [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.

Suntrust's response is just more rhetoric. Those policies were already in place.