47th Place Carpet One Floor & Home

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.

We have been able to speak to the client over the phone and have refunded  [redacted] in fees. The client was informed she will need to make a [redacted] deposit to bring the account to a zero balance because she received benefit of those funds. Once zeroed out, we will manually close the...

account. Please close this case on your records. Seth *. 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.
[Provide details of why you are not satisfied with this resolution.]I am not satisfied because suntrust has told me contradicting things. First they say that it was told in the packet I received upon opening an account it was in there-i still have the packet and it is not. 2. When I received the ad via [redacted] adword the ad said to go in the branch and show the code. I did.  The customer service rep said it should have been notated on my account at least .mentioning it. It wasn't.  So to put this laymen terms suntrust is full of st and I feel discriminated against. Suntrust is basically saying that if the banker forgets to tell you to sign online even though you showed them the code upon arrival and they forget to notate or mention anything about it, then the fault falls automatically on the customer. That is [redacted].
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. Also, the attachment does not work on any computer I have in my reach.
[Provide details of why you are not satisfied with this resolution.]
Regards,
[redacted]

SunTrust has reeponded to our client but cannot ahare 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. Seth A. M[redacted]Officer - Client Advocacy Management Office  I  SunTrust Banks, Inc.  I  [redacted]...

[redacted]  *  [redacted]  *  [redacted]  [redacted]  *  [redacted]  *  [redacted]

Dear Ms. [redacted]: We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding a legal hold that was placed on your above referenced account. We appreciate the opportunity to respond . When SunTrust is served a levy against one of our clients, we are...

required by law to comply with the court order. This order requires us to hold assets up to the total amount due on the levy. Please be assured that decisions to levy clients' accounts are made by the courts. not SunTrust. SunTrust complies with all applicable federal and state laws regarding the processing of levy actions. Your deposit account is governed by our Rules and Regulations For Deposit Accounts and our Personal Deposit Accounts Fee Schedule, copies of which are provided at account opening and on our website suntrust.com (see About us~Fee Schedules.....,.Deposit Account Disclo$ures). Enclosed is a copy of page 24 of our Rules which details our legal process against accounts. Our records reflect that, on April 3,, 2015, SunTrust Bank received a Notice of Tax Lien from the. Commonwealth of Virginia Department of Taxation for $3,757.59 and a legal hold was placed on your account. On May 29, 2015, the release order from the Commonwealth of Virginia Department of Taxation dated May 28, 2015, was received by our Garnishment and Levy Department, and the hold was released. It appears the previous releases were faxed to an incorrect fax number. Ms. [redacted], your satisfaction is important to us, and we ask that you allow us the opportunity to regain your confidence. If you havs any questions about your account, please 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 help you. Thank you for banking with SunTrust. Sincerely, [redacted] Assistant Vice President Client Advocacy Team

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. Seth *. M[redacted]

Dear Mrs. [redacted]: We have received and reviewed your correspondence forwarded to us from the CFPB and the Revdex.com regarding the posting of items and overdraft fees assessed to your above referenced account. We appreciate the opportunity to respond. Our records show that, on August...

29, 2016, the account had a balance of $1,529.60. However, five items were pending ([redacted] Membership for $1.00, [redacted] for $8.56, [redacted] for $17.47, [redacted] for $20.88 and [redacted] for $25.36), reducing the available balance to $1,456.33. Twenty-four items totaling $1,761.26 were presented for payment against this available balance. Given that there were not enough funds to cover all of the items, you were charged six $36.00 overdraft fees. Additionally, our records indicate that, between August 30 and September 6, 2016, the account incurred four overdraft fees. We determined that these were all valid fee assessments because, in each instance, there were not enough funds to cover the items posted to your account. As a courtesy, we refunded two $36.00 overdraft fees to your account on September 2, 2016 (statement enclosed). The posting order of your items is in accordance with our Rules and Regulations For Deposit Accounts. Enclosed is page 17 of our Rules for your review. Our Rules are provided at account opening and on suntrust.com (see Menu-Personal Checking Accounts-Features and Benefits-Overview Guides and Disclosures-Deposit Account Disclosures). Regarding debit card transactions, 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 page 18 of our Rules (enclosed). 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. With regard to our Mobile App, this is a tool used to help you with your account. Some of the account activity provided indicates what transactions have been presented for payment, electronic and debit card transactions that may be pending, and the current, available and collected balances on a specific date, to list a few. However, outstanding checks are not reflected. We encourage clients to keep accurate account records, noting all deposits, checks, purchases and electronic transactions. SunTrust acts in accordance with all State and Federal laws and regulations and denies the allegations of wrong doing. 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], 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 or call us at 800.SUNTRUST (800.786.8787). A representative will be glad to assist you . Sincerely, Sherry R. F[redacted] Vice President Client Advocacy Management Office

Revdex.com:
I have attached their 3rd Party Authorization form as asked.  Until then, no resolution can be discussed per Suntrust.  Please find the attached and submit it with them please.
Regards,
[redacted]

Revdex.com:
I have reviewed the offer and/or response made by the business in reference...

to complaint ID [redacted], and disagree with their statement. I have not been contacted nor has my problem been addressed or resolved. I received one call and was informed they had received my complaint and that someone would be contacting me to resolve the issue. That call was last week and no one has contacted me yet.The issue is not resolved.
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.
They have not told me WHY account was closed. They refer to "rules and Regs" but that does not tell me anything. They did refund my money but if they don't tell people why, how are we suppose to fix it or dispute it?
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 [redacted]:We have received and reviewed your correspondence forwarded
to us form the Revdex.com regarding pending debit card transactions and the overdraft
fee assessed to the account referenced above. Thank you for taking the time to
speak with me about this matter. I understand the difficulty...

this type of situation
can cause and appreciate the opportunity to respond.Once a debit card transaction (ATM withdrawal or purchases)
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.Generally, it can take between two to five business days for
debit card transactions to be presented for payments and permanently post to
the account. For this reason, clients must maintain accurate account records
noting all authorized transactions, including pending debits and credit, to
determine their available balances. Detailed information concerning this matter
is included on page 17 and 18 of our Rules and Regulations for Deposit Account.
The Rules are provided at account opening and also found on [redacted].Our records show that your account became overdrawn on June
8, 2016. On that date your beginning balance was $84.61. A pending item for
$37.98 reduced your available balance to $46.63. AN item for $75.96 was then
presented, decreasing the available balance to negative $29.33. A $38.00
overdraft fee was assessed, making the available balance negative $67.33. The
account became positive on June 9, 2016 when accredit was received for $274.Based on the above information, we have determined that the
assessed fee is valid and will need to remain. Enclosed in the June 2016
statement reflecting the above activity.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 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. Instructions
for signing up for Overdraft Protection and settling up email or mobile alerts
are also found on our website.We regret that you plan on closing your account and ask that
you reconsider. Your comment regarding this matter 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 this we apologize.[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 [redacted].
A representative will be glad to assist you.Sincerely,Haywood [redacted]

We responded to Ms. [redacted] by letter on May 14, 2015 requesting additional information necessary to investigate her complaint. Client did not provide needed information and case has been closed. If you have any questions regarding this case, please contact...

Ms. [redacted]. Sincerely, William R. Hagen Vice President and Manager Executive Services

Dear [redacted] and [redacted]:This letter is regarding to the correspondence that was
forwarded to our office from the Revdex.com (Revdex.com) regarding the
above referenced loan. We appreciate the opportunity to look into the issues raised
and to provide a response to you.Our records reflect...

the primary borrower ([redacted]) on the
loan did not file bankruptcy; instead, the co-borrower ([redacted]) filed Chapter
7 Bankruptcy. Please understand that when anyone on the loan or deed files
bankruptcy, the loan is set up on our Bankruptcy Department for monitoring. The
chapter 7 bankruptcy case was closed in the bankruptcy court on April 10, 2013
and the account was removed from the Bankruptcy Department on April 16, 2013.On October 1, 2013, the servicing rights of the account were
transferred to [redacted]. When the loan was transferred to the new servicer the
account was not active in bankruptcy. If you should have any questions concerning
your account after October 1, 2013, please call [redacted] at [redacted] Monday
through Friday from 5pm to 8pm Pacific time.ON September 8, 2015, we submitted an update to the four
credit major credit reporting agencies to reflect the loan was current at the
time of the service transfer on October 1, 2013. We also send an update to the credit
reporting agencies to remove any bankruptcy reporting for [redacted] that was
submitted by SunTrust Mortgage, Inc. An update was also submitted to report
[redacted] as Chapter 7 Bankruptcy reaffirmed. If you have any questions regarding this letter, you may
contact our Mortgage Escalations Resolutions team at [redacted] Monday through
Friday from 8am to 6pmET.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.]
Regards,
[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 September 7, 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.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  The response I received via first class mail on October 22, 2016, was dated October 13 and postmarked October 19, 2016. For your reference, details of the response I reviewed appear below. The bank states it is "unable to discuss or release information to a non-party or third party for any account. . ." I am not requesting any information regarding an account at the bank. I am questioning the bank's actions in processing the paperwork involved in making a loan. 1) How the wrong/unsigned offer was forwarded to the appraiser? 2)Why no effort was made to get an appraisal using the signed contract? 3) Why the wrong offer was sufficient for processing the loan up until the week of closing? Four days before closing, the bank and/or closing agent required a signed amendment. I am questioning the bank's procedures and any relationship - appropriate or inappropriate - between the bank/its employee(s) with its customer, her family business, the appraiser, and either realtors. I have no knowledge of Suntrust being involved in any of the numerous bank fraud actions since 2008 but feel all errors should be investigated and addressed.
[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]

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 with the whole situation is not the fact that there was a hold. I completely understand that banks have holds. I ALSO know some holds can be resolved if some action is taken, but the action needed to resolve this one was a bit much. Which is FINE. But I had to pay rent which would not wait till the 8th to be paid. So I took that recommendation to cash the check so I can pay my rent. I was under the pretense that ALL I had to do in terms of suntrust is just say hey I cashed the check so dont cash it, and cancel the bill pay because my balance would NOT have covered that amount. The only reason I did the billpay is because I thought everything would be good by the 5th. It wasn't so I made sure to say I would take other actions. So like I said no problem with the hold I just had to get my funds faster than the release which I did. But you guys STILL cashed the check which lead me to apologize immensely to my JOB because to them I just got paid twice!!!!! And then you still sent out a check with no money available for it!!!!! I had NO problem with$565 check being removed because I am not a thief! But because you still sent out that $530 check, the little bit of money I had left and wanted to use for items that I bought on amazon were basically bounced and I had to call amazon to resolve the billing discrepancy and deal with that repercussion of basically a bounced check. So I looked bad for my job AND amazon! Then to top it off when I try to resolve this issue your representative in the disputes department basically "opens" a claim that wasn't really open because when I gave the supervisor the number ([redacted]) she had NO IDEA of what I was talking about and there was NO case in the system!! So who the hell did I waste my time with???? I was under the impression that I claim would be opened and I would get my $530 back, but with the length of time all this bt took. There was no point for me to even get my $530 back. And you know whats funny, I received a letter yesterday from you guys discussing opening up a dispute for the check and claim it as unauthorized!!  What the hell is this!! Its too little and MUCH too late to take back $530 because it was just applied to this months rent and I REFUSE to let you guys mess up any more companies I am associated with. I don't even want to pay $12 for service because this month of Januarywith you guys have been horrid! I knew something would be wrong when I couldn't even get my first checkbook with some checks I was told I had to pay for that when you guys didn't even mail me the beginning checkbook in the first place! I can honestly say I have never experienced this kind of service before and I am so disappointed that with all the agents I spoke with. It took a supervisor on the 19th of January to basically set everything straight.  So once again, I have no issue about the fact that holds can occur anytime, I realize that, and of course I have no problem with the fact that you guys had to take the money back (I shouldnt have been paid it to the bank in the first place!!!) Its the fact that I was just led blindly, had to apologize to my job and amazon, and given false hope and had the inconvenience to cash my job checks at some random liquor store and pay those freakin fees because of this mess with you guys. $10 bucks to cash a check at M&t was not something I really wanted to have done. Thank god my job cancelled the direct deposit when they did or Id really be livid with you guys. This was a great birthday month for me, january was just perfect with you guys! Happy birthday to fking me. 
Regards,
[redacted]