47th Place Carpet One Floor & Home

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

[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 [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]

[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 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 [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]

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]. Having been in a hospital and having large medical bills at the time of my default was a factor. I let SunTrust know at the time of the default but was greeted with a ton of paperwork to fill out which went no where positive. I had to have the resolution soon. Thanks Revdex.com!
Regards,
[redacted]

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

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]

Re: Student Checking Account ending in [redacted] Revdex.com (Revdex.com) Case [redacted] Dear Ms. [redacted]: We have received and reviewed your correspondence foiwarded to us from the Revdex.com regarding SunTrust's decision to close your account referenced above. 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. The decision. to close this account was a business decision made by SunTrust, as explained in the November 19, 2015 letter from Fraud Risk Management (copy enclosed). We have reviewed this matter again, and our position remains the same. A check (copy enclosed) that you deposited on November 10, 2015, for $2,950 was returned from [redacted] as unable to locate account. On the same date, your account was assessed a $12.50 Deposited Item Returned Fee. In addition, because there were not sufficient available funds in the account when the check was returned, your account was assessed a $36.00 overdraft fee. You will receive under separate cover a check for $36.00 for the fee that was assessed. Check 16527113 for $377 .58 was mailed on November-23, 2015 to the address of record . This amount represents the balance that was in your account on November 19, 2015 (statement copy enclosed). Ms. [redacted], should you have any other questions, please call Fraud Risk Management at 800.447.8994. A representative will be glad to help you . Sincerely, Diane E[redacted]

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

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]

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 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

[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 [redacted]:We have received and reviewed your correspondence forwarded
to us from the Revdex.com regarding the repossession of the vehicle used as collateral
on the above referenced account. I appreciate the opportunity to respond.Our records show that your vehicle was repossessed on
February 16,...

2017. On February 24, 2017, you contacted our Repossessions
Department and offered to make a payment of $[redacted] to reclaim the vehicle.
Although the total amount due to reclaim the vehicle was $[redacted], the offer
was reviewed by management and a business decision was made to accept the reduced
payment. Therefore, the third-party vender that carried out the repossession
was instructed to hold the vehicle at their lot.Once your payment was applied to the account on February 28,
2017, a notice was sent to the third-party auction vendor informing them to
halt the auction process. Regrettable, on March 1, 2017, the repossession vendor
released the vehicle to that auction. When we were notified of the error, we
immediately began attempts to retrieve the vehicle from the auction lot. We confirmed
that the vehicle was returned to you on March 7, 2017.You requested additional compensation due to the vehicle
being sent to the auction vendor in error. ON February 24, 2017,a concession
was made to reduce the total amount due to reclaim your vehicle by $[redacted].
As a final concession, the $[redacted] repossession fee that you paid will be applied
to your future payments. This will cover the full amount on the payment due on
March 21, 2017 and partially cover your April 21, 2017 payment.In regard to your concerns about the personal items that
were held in the vehicle prior to repossession, we have no evidence that any
items were not returned to you. However, if you would like to pursue the
matter, please contact the repossession vendor, [redacted], at [redacted]
to file a property claim.[redacted] I hope that the information provided is helpful to
you. Should you have any additional questions or concerns regarding your
account contact our Repossessions Department at [redacted]. A representative
will be glad to assist you.Sincerely,Seth A M[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.
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]

[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 tbis 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.
Suntrust did not try to resolve this issue in any way.  At the time they sent the response to you, (1/26/16), they had not even contacted me yet.  I did however, receive a letter from them a few days later that basically states they are not and have no intention to resolve this issue.  It remains unresolved.
Regards,
[redacted]