47th Place Carpet One Floor & Home

Dear [redacted]We have received and reviewed your correspondence forwarded
to us from the Revdex.com regarding your [redacted] loan application. We appreciate the opportunity
to respond.Our records show that your application was received on
August 25, 2015. On the same date, an email was sent to you...

requesting that you
contact us because additional information was required. After we spoke with you
on August 26, 2015, your application was received, and it was discovered that additional
information as necessary. For this reason, an email was sent to you on the 26th asking that the information be verified. Because we did not receive a response
in a timely manner, a decision was made to decline the application because of
incomplete information.Our review of the loan application process did not indicate
that a bank error was made. For this reason, we believe the loan decision was
appropriate and will remain on your credit file. If you have not already done so, you may dispute the
reporting directly with the consumer reporting agencies, and also add a
consumer statement to your credit file. In the consumer statement, you may
explain the reason for the reporting, and any creditor or potential creditor
will see your consumer statement when they access your credit file.[redacted], while I understand that is not the resolution you
are seeking for SunTrust, I hope the information about contacting the reporting
agencies directly is helpful, Should you have any questions, please contact 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 your reference, details of the offer I reviewed appear below.
[Provide details of why you are not satisfied with this resolution.]First suntrust sent letters to inform about hold after one week (they dated them wrong just to show a shorter time), and the main problem stays (holding local cashier checks for 8 days is against any regulation). That's why suntrust has to respond in this matter to an investigation from FRB and other federal commission.
Regards,
[redacted]

Dear [redacted]:We have received and reviewed your correspondence forwarded
to us from the Revdex.com regarding the reporting status of your above referenced
account. I appreciate the opportunity to respond.Our records reflect that your Chapter 7 Bankruptcy was discharged
on May 8, 2013. SunTrust is no...

longer pursuing collections of this debt. As such,
we have requested that [redacted] and [redacted] updated the reporting of this account
as a Chapter 7 Bankruptcy. Please allow these agencies 30 days to update their records.[redacted], we hope the information provided is helpful to
you. If you have any questions, please don’t hesitate to call [redacted] or
visit any SunTrust Branch. Our Representatives will be glad to help you.Sincerely,[redacted]

The customer confirmed with Revdex.com this would resolve his case.

Dear Mr. [redacted]: We have received and reviewed your correspondence .forwarded to us from the Revdex.com regarding $124.34 that was debited from your above referenced account. I appreciate the opportunity to respond. Our records reflect that on November 28, 2015, we established Case...

[redacted] for transactions that you disputed totaling $124.34. On December 3, 2015, we credited your account $124.34 (statement copy enclosed) for the disputed transactions. On December 15 and December 21, 2015, we received credits from [redacted] and credited your account $62.17 on each date (statement copy enclosed). You have now received $248.68 credit for the dispute in the amount of $124.34. Because you were notified that we would debit $124.34 from your account on January 11, 2016, we have determined that the assessed overdraft fees are valid and will need to remain . Mr. [redacted], I understand this is not the resolution you were seeking from SunTrust and regret .any difficulty this situation may have caused. Should you have any questions regarding this case, please call our Fraud Assistance Center at 800.447.8994. A representative will be glad to speak with you. Sincerely, Diane [redacted] Assistant Vice President Client Advocacy Team Enclosures

Dear Mr. [redacted] : We have received and reviewed your correspondence forwarded to us from the CFPB and the Revdex.com regarding SunTrust's decision to close your above referenced account. I appreciate the opportunity to respond. As we discussed during our telephone conversation on...

December 18th, we reviewed the matter again and the decision to close your account was reversed. Access to your funds was made available to you on December 19, 2015. Mr. [redacted] , I apologize for any inconvenience this situation may have caused . Should you have any questions, or concerns 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. Sincerely, Sherry [redacted] Vice President Client Advocacy Team

[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 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 complaint# [redacted] Ms. [redacted] SunTrust has responded to our client but cannot share the response with the Revdex.com as no signed third party authorization waa 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 the status of your above referenced loan. I
appreciate the opportunity to respond.Our records indicate that you requested an extension for
your monthly payment due for June and July. The...

agreement was not processed due
to an internal error. Due to this error your account appeared to be late for the
June and July payments. I realize this was a frustrating experience from you
and I am sorry for any confusion caused by this error.In addition, your scheduled payments for the months of
August and September were not made. Because if this, your account was assigned
to our repossession Department.After receipt of your correspondence, I was able to reach
out to our internal department as well as the branch manager at our [redacted]
[redacted] office to determine what resolution could be reached. We were able to
process the two month extension agreement, waive the late charges and the
repossession fees.You were advised that you would need to pay $772.93 in order
to bring your account current and to remove the account from repossession.
Records show a payment was made on September 28, 2015 and your account is now
current. Your next scheduled payment is due on November 9, 2015.[redacted], I apologize that you did not have a positive experience
and hope you will allow us the opportunity to regain your confidence. If you
have any questions or concerns 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
banking with SunTrust.Sincerely,[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.

[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: [email protected].
Regards,
[redacted]

Revdex.com:I have not received the response yet. I have not,received the refund I was promised.
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]

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 tbis 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]

[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.Sherry *. F[redacted]Vice President, 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.
I filed a dispute of the charge and that is why I was refunded the [redacted]. It was not a courtesy. I have full coverage meaning all charges were to be denied if the money was not in the account. In October I went to the branch to make these changes. When I changed my account type back to my previous type someone changed my option from return all to whatever the default method was. I never authorized this change and had to go back to the branch to get it fixed. The [redacted] charge was never supposed to happen and I filed a dispute for that as well and received credit for that.  
Regards,
[redacted]

December 27, 2016 [redacted] 
[redacted] 
[redacted] Re: Everyday Checking Account ending in 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 concerns about online transfers and overdraft fees. I appreciate the opportunity to respond. With regard to online transfers, we found that a delay occurred with some online transfers on December 8, 2016. In reviewing your account, I do not see any online transfers that occurred on this date. If you have any information that an online transfer was made on December 8, 2016 and did not post in a timely manner, you may fax the information to my attention at 877.789.6844 or send it to me at our address noted above. Upon receipt, I will review the information and notify you of our findings. Also, please note that, effective August 24, 2016, we have new cut-off times for online transfers. In order for an online transfer to post the same day, it must be completed by 10:00 p.m. ET. Online transfers received after this time will be processed the next business day. Our records show that overdraft fees were assessed in October, November and December 2016. Please keep in mind that we charge overdraft fees in the event that there are insufficient funds in the account, and we may pay an item when your available balance is not sufficient to cover the transaction. After reviewing your account, we have determined that the assessed overdraft fees are valid. However, as a courtesy, we refunded [redacted] in overdraft fees on October 12, 2016 and [redacted] in overdraft fees on December 20, 2016. Enclosed are your October, November and December 2016 statements for your records. 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. Ms. [redacted], although this may not be the answer you expected, 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, Chris L[redacted] Officer Client Advocacy Management Office

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 March 23, 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