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. William * H[redacted], Group Vice President, Client Advocacy Management OfficeSunTrust Bank

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 authoriza:tion was received. Please close this·case on your records.

Dear Ms. [redacted]: I have received and reviewed your correspondence forwarded to us by the Revdex.com regarding the closure of the above referenced account. I appreciate the opportunity to respond . You indicated that when you contacted us to inquire...

about the account you were unable to obtain correct information. I regret that you were not given accurate information at the time of the call. Our records reflect that a check that was deposited in the amount of $600 was returned to us unpaid. Because of this the business decision was made to close the account. SunTrust accounts are governed by our Rules and Regulations tor Deposit Accounts, a copy of which is provided to our clients at account opening. Detailed information concerning this matter is included on pages 22 and 23 of our Rules and Regulations for Deposit Accounts (enclosed) and on our website suntrust.com (see About Us-+Fee Schedules-+ Deposit Account Disclosures). Ms. [redacted], I understand how frustrating this matter has been. You will need to contact the maker of the check to collect the amount of the check. Please remit $567.68 to our: Restitution Coordinator, P.O. Box 2600, Mail Code VA-NNS-6491, Norfolk, VA 32501-2600. We wish you the best in your future endeavors. Sincerely,  [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.
[Provide details of why you are not satisfied with this resolution.]they have to reverse the fee back to the vendor and credit my account and also the 4 fees. My account should have a positive balance. I sent the form 5 times since February, they are lying and also they status of the claim is closed is not pending as she says. Either they resolve this or I am going to place a complaint with Consumer Financial Services. See attached the status of the claim, they are basically lying. Do you need copy of the fax confirmations ?
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.
Regards,
[redacted]

Dear Ms. [redacted]: We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding the reversal of a credit for a fraud claim and overdraft fees on the above referenced account. Thank you for sharing your concerns and providing us theopportunity to respond.Our...

records indicate that you contacted our Fraud Assistance Center on December 15, 2015 to establish a fraud claim for $115.89. Your account was credited for $115.89 on December 17, 2015 (copy enclosed). Because your account was also credited by the merchant, [redacted], on December 21, 2015, the duplicate credit was reversed on December.22, 2015 and a letter was mailed to you on the same day (copy enclosed). Your account was credited $144 in fees on January 5, 2016 as a courtesy. This refund included three $36 overdraft fees assessed to your account on December 22, 2015 as well as the extended. overdraft fee that posted to your account on December 29, 2015. I have enclosed statement copies for your review. Your comments about your experience are very important to us and were shared with the appropriate management. The information you provided helps us to know where the emphasis for future training and process improvement efforts should be placed. Ms. [redacted], we hope the information contained in this letter will alleviate any further concerns. If you have any questions or need further assistance regarding your fraud claim, please contact our Fraud Assistance Center at 800.447 .'8994. A representative will be glad to help you. Thank you for banking with SunTrust. Sincerely, Kathy [redacted] Officer Client Advocacy Team

The issues regarding his Online Banking problem was resolved by telephone. Please close this 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 has finally given me a reason that they denied my fraud claim; however, I still did not receive documentation of how they came up with this decision.  I requested this documentation initially on July 31, 2015 when I initially discovered that Suntrust had denied my claim.  They included the initial letter that was never sent to me, but no documentation of why other than my PIN was used in the fraudulent transactions.  The bank is still holding me accountable for fraud against me, even though they advertise that my debit card has 0% fraud liability.  I am not a criminal, and it is unacceptable for Suntrust to treat me like I am.  After I received Suntrust's response, I spoke to the detective from the [redacted] that was working on my case.  He has reopened the case and resumed communication with the bank investigator.  It seems that Suntrust does not understand that PINs can be compromised just as debit card numbers can.  The detective mentioned that he has had this issue with the investigator from Suntrust before.
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.

You have closed this before I had a change to respond.  When I received the last correspondence I had not heard from Sun Trust.  I do not think it was resolved by Sun Trust.  They wanted the last fee taken off my my landlord and it was not their fault.  Sun Trust was at fault and I believe they did not handle the complaint.  They guarantee payment on the date I designate and for two month they have not done that.[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.

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. Haywood L. B[redacted]OfficerWholesale Client Advocacy Research & Resolution Team [redacted]
[redacted]...

[redacted]
[redacted]
[redacted]
[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.

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.
We request that the company provide the following actionable line items:1- refund of the erroneous fees charged by the company in the amount of $112.142-Remove the account that is in  collection as erroneous and not attributed to the consumer. If you have any questions regarding this, please do not hesitate to contact either my wife, [redacted] or myself [redacted]. Respectfully, [redacted]
Regards,
[redacted]

October 14, 2016 [redacted] 
[redacted] 
[redacted] 
[redacted] Re: Revdex.com serving Central Virginia (Revdex.com) Case [redacted] Dear Ms. [redacted]: We have received and reviewed your correspondence forwarded to us from the...

Revdex.com regarding the quality of service you recently received when you contacted our Loan Recovery Department about a vehicle abandoned at your place of business. 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 interaction, and we understand that we did not meet these expectations in this situation. For that we apologize. As referenced in our August 4, 2016 letter (copy enclosed), we are unable to release the vehicle title without a claim of lien being filed with the [redacted] 
[redacted] ([redacted]). Our records do not show that we have been notified by the [redacted] 
[redacted] that a claim of lien has been filed. Because of this, you will need to contact the [redacted] at [redacted] to inquire about the filing procedures. Once we receive the notice of the claim from the [redacted], we will review the matter and respond accordingly. Ms. [redacted], should you have any further questions, please feel free to contact our Loan Recovery Department at [redacted]. A representative will be glad to assist you. Sincerely, Seth A. M[redacted]

December 22, 2016 [redacted] 
[redacted] 
[redacted] 
[redacted] Re: Loan Number: Property Address: [redacted] Case Numbers: [redacted], [redacted] and [redacted] [redacted] Case Number: [redacted] Revdex.com...

Case Number: [redacted] Dear Mr. and Mrs. [redacted]: We have received and reviewed the correspondence that was forwarded to our office from the [redacted] ([redacted]), Revdex.com (Revdex.com) and [redacted] regarding the above referenced loan. We appreciate the opportunity to look into the issue raised and to provide a response to you. At SunTrust, we work hard to provide exceptional service to every client and regret any instance when we fall short of that goal. Our records indicate that on August 24, 2016, we disbursed a tax payment to [redacted] in the amount of [redacted]. When you contacted us to advise the tax office was still showing your taxes due, the original check was stopped. On December 16, 2016, we reissued a check in the amount of [redacted] and the check was mailed via [redacted] (tracking [redacted]). We confirmed the payment was delivered on December 19, 2016 and the taxes are now paid in full. Please be advised that SunTrust paid the penalty and interest amount of [redacted]. This fee was not paid from your escrow account. We apologize for any inconvenience this issue may have caused you. Mr. and Mrs. [redacted], if you have any questions regarding this letter, you may contact our Mortgage Escalations Resolution Team at 855.223.4640, Monday through Friday from 8 a.m. to 6 p.m. ET. Sincerely, Kenya W[redacted] Mortgage Escalations Resolution Team

Attached is the response that was mailed to the client. Please close this case on your records.  Seth A. M[redacted]Officer - 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.
[Provide details of why you are not satisfied with this resolution.]I received the $150.00 credit to my account but that did not resolve the fact that a check  was returned on 7-15 and 7-16, (I was charged two overdraft charges and a maintenance fee of $7.  If the $150.00 was in my  account timely like it should have  it would have paid part of this incoming check. I had an overdraft protection through my savings but upon inquiring about why the check was not paid and returned the representative advised that ( the branch makes the decision to pay checks ) and they decided to not pay it. (Even though they had always paid my checks that overdrew me in the past because I had a direct deposit) NOW, Because of the importance of that check (It was payment for a traffic ticket in the amount of $267) I might incur more charges through BREVARD COUNTY. I dont know why Suntrust did this maybe out of retaliation because I reported the incident dealing with the $150.00....... but regardless it was done and I dont know whats going to happen.I am requesting the two overdraft charges to be refunded to me along with the maintenance fee of $7 also. I would like to have a letter drafted to Brevard County explaining to them Suntrust error in returning the check. This will resolve the problem.
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]

We have received and reviewed you correspondence forwarded
to us from the Revdex.com regarding unauthorized transactions that occurred on the
above referenced account. We appreciate the opportunity to respond.At account opening, clients are provided with SunTrust’s
Rules and regulations for Deposit...

Accounts, which is also available on our
website suntrust.com. In accordance with page 42 and 43 of these Rules ([redacted])
you must dispute any electronic charges to us in writing within “60 days after
we send you the FIRST statement on which the program or error appeared.”
Otherwise, SunTrust will not be liable for any charges or associated fees that
you report to us after the 60 day time frame as “unauthorized.”Our records show that you contracted us on July 13, 2015 to
report there had been two unauthorized transactions from [redacted] that occurred on
December 29, 2014 and June 30, 2015 for $59.99 for one transaction due to the
amount of time that had elapsed from the date of the first unauthorized transaction.
However, after a second review, we credited the remaining $59.99 amount to your
account. We notified you in our letter ([redacted]) dated August 3, 2015 of
this final credit. On July 27, 2015 we refunded $324 in overdraft fees to your
account.The account is currently overdrawn. Because if this, we ask
that you please make a deposit as soon as possible to bring the account to a positive
or zero balance. Doing so may prevent the account from being closed with an
owed balance and reported to various consumer reporting agencies.[redacted], we hope the information provided is helpful toy
ou. If you have any questions or need assistance, please do not hesitate to
contact us via your online Banking Profile, call us at [redacted] or
visit any SunTrust branch.