47th Place Carpet One Floor & Home

Dear
Mr. [redacted]:We have received and reviewed your
correspondence forwarded to us from the Revdex.com regarding SunTrust’s reporting of a
loan account on your credit report. Thank you for bringing this matter to our
attention and providing us the opportunity to respond. We have completed a thorough...

review of
your fraudulent loan claim and have determined that this is a case of Identity Theft.
As such, we have requested that [redacted], and [redacted] remove our
reporting of the account from your credit report. Please allow these agencies
30 days to update their records.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. I acknowledge that this can be
frustrating and ask that you accept my sincere apology. However, we respectfully
decline your request for any reimbursement.Mr.
[redacted], again, I apologize for the concern and any inconvenience this matter
may have caused. Should you have any questions, please contact our Credit
Bureau Disputes Department at [redacted]. A representative will be glad to
assist you.Sincerely,

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.

They have refunded me the $36.  How can I update the complaint as resolved.They have refunded me the $36.  How can I update the complaint as 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.NSF fee should be refunded.
Regards,
[redacted]

We have received and reviewed your correspondence forwarded to us from the Revdex.comregarding overdraft fees assessed to your above referenced account. I appreciate theopportunity to respond.Our records show that, on June 30, 2015; your account had a balance of $[redacted]. Apending item in the amount of...

$**.00 payable to [redacted] reduced thebalance to $[redacted]. During processing, three debit card items were presented for payment.Purchases from [redacted] for $[redacted] and [redacted] for $[redacted] were paid, reducing youravailable balance to $[redacted]. The purchase from [redacted] for $[redacted] was paid with aninsufficient balance, and a $**.00 overdraft fee was assessed. Your end-of-day balancewas negative $[redacted].On July 2, 2015, the beginning balance was negative $[redacted]. The previously pending itempayable to [redacted] tor $**.00 was presented and paid against aninsufficient balance, with a $[redacted] overdraft fee assessed. The end-of-day balancebecame negative $[redacted]. In addition, on July 7, 2015, an extended overdraft fee of $[redacted]was assessed since the account remained in a negative status for five consecutivebusiness days. A Direct Deposit on July 8, 2015 brought the account to a positive balance(statement copy [redacted]).Based on this information and that items were presented for payment against insufficientbalances, we have determined that the assessed fees are valid. However, as a courtesy,on July 22, 2015, we refunded $[redacted] in overdraft charges that will be reflected on yournext statementIn response to your claim that SunTrust bank holds your Direct Deposit, our recordsindicate that the Direct Deposit in the amount of $[redacted] from the State of Maryland hadan effective date of July 8, 2015 This date is determined by the sender, and SunTrustcannot make the funds available to you until the effective date as instructed by thesender. If you have any questions about your Direct Deposit, please contact that agencyfor additional information.Concerning debit card transactions, once a debit transaction is authorized 1 a hold isplaced on the client's account reducing the available balance. Funds on hold for pendingdebit card transactions cannot be used for other purposes even though the transactionhas not posted against the account.Generally, it can take between two to five business days for debit card transactions to bepresented for payment and permanently post to the account. For this reason, clients mustmaintain accurate account records noting all authorized debit transactions, includingpending and credits to determine their available balances. Detailed informationconcerning this matter is included on pages 17 and 18 of our Rules and Regulations ForDeposit Accounts ([redacted]) and on our website suntrust.com (see About Us-+FeeSchedules-+Deposit Account Disclosures).We want to be sure that you are aware of our website, which contains helpful informationon how to manage your account and avoid fees (see Banking-+ PersonalChecking-+Account Features-+Overdraft Services-+Facts About Banking).As a suggestion, you may want to set up Overdraft Protection, whereby a protectoraccount is linked to your transaction account to cover any shortfalls. Detailed information,including any fees, about this service is found on our website. You may also monttor youraccount by using our Online Banki.ng service and receive Email or Mobile Alerts when thebalance gets too low or becomes overdrawn. Instructions for signing up for these servicesare also found on our website and when using our Online Banking service.Ms. [redacted], we hope the Information provided is helpful to you. If we may be of furtherassistance, please do not hesitate to contact us via your Online Banking Profile, call[redacted] or visit any SunTrust branch. Our representatives will beglad to help you. Thank you for banking with SunTrust.

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 bank would simply like this case to be closed. 
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. Kathy B[redacted]Officer, Client Advocacy OfficeSunTrust BankTake a step toward financial confidence.Join the movement at...

onUp.com [redacted]
[redacted] 
[redacted] 
[redacted]
[redacted]  [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. F. Diane E[redacted]Assistant Vice President - Client Advocacy Office SunTrust Bank | Take 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.

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 [redacted]
[redacted]
[redacted]

SunTrust has resolved this matter 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: [redacted]
Regards,
[redacted]
Customer contacted Revdex.com and said that this complaint has been resolved.

Re: Auto Loan Account ending in [redacted] Everyday Checking Account ending in [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 funds debited...

from your checking account for loan payments and the payoff amount quoted for your loan account. We appreciate the opportunity to respond. We regret that you were not satisfied with the service you received when you contacted us about the duplicate payment. Please be assured your comments concerning this matter were forwarded to the appropriate management area. Our records reflect that, on April 26, 2015, we received your Online Banking payment in the amount of $1,248.40 that was applied to your loan as instructed. (Please note that SunTrust did not authorize debiting of the funds from your checking account.) On April 28, 2015, we received a request to reverse $624.20 of the payment and credit the funds back to your checking account. The funds were credited to your account on that same date. On May 15, 2015, we received a payoff check from [redacted] for $30,450; however, the check was returned because it was short $579.20. On May 20, 2015, payment was received in the amount of $30,457.83, which brought the account balance to zero. You requested reimbursement of $603.08 due to an incorrect payoff quote. We find no record of quoting a verbal payoff or sending a written payoff to you or to a third party. Therefore, we respectfully decline your request. Ms. [redacted], if we may be of further assistance, please don't hesitate to contact us via your Online Banking Profile, call us at 800.SUNTRUST (800.786.8787) or visit any SunTrust branch. Our representatives will be glad to help you. Thank you for banking with SunTrust. Sincerely, [redacted] Assistant Vice President

Dear Ms. [redacted] : We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding fees you incurred when your payments sent via our Bill Pay Service were received late by your mortgage company. I appreciated the opportunity to speak with you about your...

concerns and am glad to respond. When we spoke, you stated that you were made aware of the Bill Pay scheduling requirements for your bill payments to arrive by the due dates. For your review, I have enclosed copies of the Bill Pay Online Services Agreement Terms and Conditions. As a one- time courtesy, we have credited your checking account $95.98 for the late fees that were assessed by [redacted]. This credit will reflect on your next statement. Your comments regarding this matter are very important us and were shared with the appropriate management. We understand that we did not meet your expectations in this situation and regret any inconvenience caused. Ms. [redacted], we hope the information provided is helpful to you. If we may be of further assistance, please don't hesitate to contact us via your Online Banking Profile, call us at 800.SUNTRUST (800.786.8787) or visit any SunTrust branch . Our representatives will be glad to help you . Thank you for banking with SunTrust. · Sincerely, [redacted] Assistant Vice President Client Advocacy Team Enclosures

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 have received and reviewed your correspondence forwarded
to us from the Revdex.com regarding a no debit status that was placed on your above
referenced account. We understand that we did not meet your expectations in
this situation and regret any inconvenience caused.Our records reflect that due to a...

bank error, on May 22,
2015, a “no debit” status was placed on your account. The hold was removed on
the same date. On May 26, 2015, a “no debit” status was placed on the account
again, upon verification the “no debit” status was removed and the account and
debit card were active. All SunTrust fees assessed due to the error were
refunded on May 27, 2015 (statement copy [redacted]). You mentioned that you were
charged late fees due to the returned checks. If you will provide documentation
of any late fees that were assessed during this period, I will be glad to
review to determine if additional refunds are in order. You can send the
information to me at the above address.The account is currently overdrawn. Because of this, we ask
that you place 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 to you.
If we may be of further assistance, please do not hesitate to contact us via
your Online Banking Profile, call us at [redacted] or visit any
SunTrust Branch. Our representative will be glad to help you.Sincerely,[redacted]

We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding money orders deposited via our ATM to the above referenced account. I appreciate the opportunity to respond. Our records show that, on July 16, 2016, you contacted us about an ATM...

deposit consisting of two money orders ($400 and $440) that you state you deposited to your account on that day. A claim was opened at that time, and you were provided with a provisional dispute credit of $840 on July 20, 2016. A thorough review of this matter has been unable to show any evidence that money order images were captured for the deposit. The July 20, 2016, settlement of the ATM did not find any rejected or additional money orders that matched the description of those you described in your concerns. For this reason, the dispute credit of $840 was reversed from your account on September1, 2016. Unfortunately, we are unable to further assist you with this matter. We suggest that you to contact the individual who provided the money orders to you in order to have them reissued. We regret any inconvenience this may cause you. Ms. [redacted], 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.