47th Place Carpet One Floor & Home

Dear Ms***: We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding your online statements reverting back to paper statements without you requesting this change, causing a paper statement feeI appreciate the opportunity to respond in writing You have expressed your concerns that in order to avoid a statement fee it is necessary to receive online statementsYou have selected this option numerous times and continue to have issues with the statements reverting back to paper statementsBecause your account is a joint account with your son, when on line statements are ready to be reviewed, a message is sent to both email addresses contained in our recordsThe joint owner on the account does not have the same email address as you referenced in the complaintIf either account owners' email provider rejects the message, online statements will revert back to paper statements forboth owners of the account and fees will applyWe have spoken to our online banking specialist and they are suggesting that the email providers have sc;>me type of filter or block that is rejecting our emailsYou should speak with both emaii providers and ask them to assist with removing the filter or blockWhen you contact them, please let them know the emails are coming from [email protected] riote that you cannot reply to that email addressWhen we spoke on the phone, you indicated that you would update the account with the same email address you are currently usingPlease make sure you confirm your choice to receive statements via online bankingWhen the statements revert back to paper, the account is charged a fee of $Our records indicate that the account was charged a $paper statement fee on ·September 25, and December 25, and again on January 26, Those fees were refunded as a courtesy on the following dates September 28, December 31, and January 28, due to the ongoing issue you have been reportingYou also had concerns about monthly maintenance fees charge to the accountWhen the statements revert back to paper, the account is being charged a maintenance feeYour account type, Essential Checking, requires that you must have or more client initiated transactions per statement cycle and to receive online statements to avoid the monthly maintenance feeThe account was assessed a $maintenance fee on the following dates: February 24, April and June 25, These fees were refunded on February 27, April 28, and June 26, You can access your online account statements to view all of the transactions mentioned aboveIf you have questions or concerns regarding a fee appearing on your statements not mentioned, please contact me and I will be.glad to research any new informationMs***, we hope the information provided is helpful to youlfwe may be of further assistance, please contact us via your Online Banking Profile, call 800.SUNTRUST (800.786.8787) or visit any SunTrust branchOur representatives will be glad to help youThank you for banking with SunTrustI hope this information is helpful to youSincerely, Kathy [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.Late payment status still reflects on my Transunion, Experian and Equifax credit reportPlease have those status removed Thank you, [redacted] ***

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

K&R was called out by the [redacted] to do a service call on 6-23-in the afternoon, for a no cool, their son was the only one home when we got there The technician took about a 1/hr (charge) to diagnose that the blower motor was bad and about that time was when the couple arrived The tech told the [redacted] what was wrong, found out the motor was under warranty, located the motor, wrote up the invoice and estimate to install, and removed the blower assembly to take with him in the next minutes The estimate for the install was for labor only, since the motor was under a manufactuer's part warranty only, labor not included The only OEM manufactuer replacement we could find was in Buckeye, or we would have to order it and that could take to days to get it in On a degree day we knew we had to go get the only part in town, we received payment for the service call and a signed agreement from the [redacted] for the $installation (under parts warranty only)The technician drove to Buckeye, in rush hour traffic, taking him hours there and back By the time he got back on this side of town it was to late to install the motor, we had told the [redacted] that it might be the next morning before we could get out The tech took the motor assembly home with him and proceeded to disassemble the motor in order to replace w/ new one which took him another hours, he did this so he would be able to get the [redacted] up and running faster and he would not have to do this out in the field in the heatWe now have a total of hours invested in the job to get the [redacted] cooling The next morning [redacted] replaced the motor within to minutes, rechecked the unit to spec, wrote up the 2nd invoice to the amount we agreed on, received payment and was on his waydays later we get a call from Mr [redacted] complaining that his bill was to much I explained to him the breakdown of pricing: $ service charge $ flat rate for warranty motor replacement $ travel time to get OEM partNever did he state he should only have to pay the $86.50, charge.Meanwhile we receive notice from my bank that checks came back NSF, it took me a good 1/hour to find out that it was the [redacted] checks I called the [redacted] to let them know, they said no problem they would send out another to cover the amount They had another opportunity to ask about a reduction in their bill, but never said anything I did, however, mention that I would waive the bank fees K&R would incurWe received the full amount for the checks A few weeks later we now have received this complaint from Revdex.com I talked to both [redacted] and [redacted] on 7-22-offered them the travel expense minus the bank fees back to them, they declined, Their comment was "we would like to see how much Revdex.com can get back for them." [redacted] K&R Refrigeration

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 closedThey refer to "rules and Regs" but that does not tell me anythingThey did refund my money but if they don't tell people why, how are we suppose to fix it or dispute it? Regards, [redacted] ***

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 and postmarked October 19, For your reference, details of the response I reviewed appear belowThe 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 bankI am questioning the bank's actions in processing the paperwork involved in making a loan1) 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 amendmentI 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 realtorsI have no knowledge of Suntrust being involved in any of the numerous bank fraud actions since but feel all errors should be investigated and addressed [redacted]

SunTrust has responded to our client but cannot share the response with the Revdex.com as no signed third party authorization was receivedPlease close tbis case on your records

Revdex.com: SunTrust has requested that I send them a copy of the junk mailing I received from them, so in other words they are still unable to locate my name and information in their database I recycled it quite a while ago and no longer have it I will close this case and if/when I receive more junk mail from them I will reopen the case and send them a copy Regards, [redacted] ***

Dear Mr [redacted] :We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding an overdraft fee assessed to the account referenced aboveI understand the difficulty this type of situation may cause and appreciate the opportunity to respond.Our records show that, on February 10, 2017, a debit for $from [redacted] paid against insufficient fundsBased on this information, we have determined that the assessed overdraft fee is validRecords further show that, on February 11, 2017, you contacted us about the overdraft fee, and as a courtesy, the $ [redacted] fee was refunded to you (interim statement enclosed)Our records do not indicate that you have been charged an extended overdraft fee because of the debit from [redacted] .Regarding the transfer from your account at ***, we show that a $credit from [redacted] posted to your SunTrust account on February 13, Your account was made positive with this deposit, thereby avoiding the extended overdraft fee that assesses on the 5th day after consecutive business days of the account being overdrawnSunTrust acts in accordance with all State and Federal laws and regulations and denies the allegations of wrong doing.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 AboutBanking)You will also find useful information about our over draft 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 shortfallsDetailed 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.Mr [redacted] , I hope that the information about avoiding overdrafts is helpful to youShould 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,Kathy B***

Dear Mr***:We have received and reviewed your correspondence forward to us from the Revdex.com regarding SunTrust’s decisions for the claims referenced above and your belief that you have not received all the credits for these claimsI appreciate the opportunity to respondBased on the information you provided, we have researched your claims againClaim [redacted] for a total of $was for items from [redacted] (April 1, for $100, May 9, for $and June 8, for $200)On June 10, 2016, you were credited $for the transactions from April and May 9, However, on June 14, 2016, recovery of $was received directly from the merchantFor this reason, on June 15, 2016, we reversed our provisional credit for one of the $debitsThe $ [redacted] item from June 8, was paid against your account but was reversed and returned to the merchant on this same dayRegarding Claim [redacted] , on June 13, 2016, a debit from [redacted] for $posted to your accountWe provided a $ [redacted] credit for this claim on June 27, After the additional review of your claims was completed, we determined that the $ [redacted] recovery credit received on June 14, was overlookedThis oversight caused an additional $ [redacted] to be credited to the account on July 12, 2016.To recap your claims, you were debited on the following dates: April - $100, May - $100, June - $and June - $Credits were provided on the following dates: [redacted] All credits issued will remain as final creditsWe will not be reversing the extra $ [redacted] you received in errorEnclosed are statement copies for your review.You mentioned that you received a fee refund of $in errorAfter reviewing our records, we show you were charged [redacted] , but two credits for [redacted] were processed as refunds to this fee on June 10, (statement enclosed)The [redacted] credit will remainWe understand your concern about your account information and the quality of service you received from our representativesSunTrust takes the confidentiality of our clients’ account information very seriously, and we would never intentionally share your information with an unauthorized partyYour comments about your experience are very important to us and were shared with the appropriate managementThe information you provided helps us to know where the emphasis for future training and process improvement efforts should be placedWe understand that we did not meet your expectations in this situation and regret any inconvenience causedMr***, I hope this information alleviates any additional concernsShould you have any questions regarding your claims, please call our Fraud Assistance Center at [redacted] A representative will be glad to speak with you

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 The researched response and detailed explanation of the fee are incorrect The transaction in question for $actually occurred on 06/03/as verified by the attached receipt This transaction was also cleared from my account on 06/leaving my remaining at balance at $ The second transaction of $was presented on 06/08/ If this amount was subtracted from the agreed on current amount, there should have been a remaining balance of $before the $deposit Based on the agreed sequence of transaction 2, it should have been impossible to incur this fee.This "transaction error" was then compounded back the fact that I have now spoke with representatives from Suntrust bank who gave me different explanations of how this could occur They each proceeded to advise me that I was ineligible for a "courtesy credit" because I received one on 06/17/ This incident occurred on 06/09/2016, days earlier the one year mark I felt in the effort of courtesy, Suntrust could have "approved" this annual occurrence considering it would once again disqualify me from received another creditGranted they valued me as more than a series of numbers on a checkbook, they would have found me human and realized that although this fee would not be a drop in the bucket to their establishment, it had been earmarked to cover week of swim lessons for my 8-year old I am not closing the account because I'm upset about a fee as I can always make more money, my account will be closed because it is clear that your company does not value me as a customer Regards, [redacted]

Revdex.com: Suntrust is not telling the truth They HAVE NOT seriously reached out to me NOR have they resolved my issue I received a call from a rep on May 12th telling me that they had received my Revdex.com complaint and assigned it to a "case manager" And that that case manager would be in contact with me within a few days That was days ago, and I have not heard anything from the bank since then In the meantime, they have added another fee to my account PLEASE DO NOT CLOSE THIS CASE ON YOUR END! It is NOT resolved nor has there been any attempts to resolve it In order for this case to be resolved, Suntrust needs to immediately refund my all fees charged, (the $ [redacted] initial fee which caused this complaint AND the new fee that has since been added to my account of $**) I would also like an apology for the rude conduct of the supposed supervisor I spoke to regarding my account to begin with Until the above happens, THIS CASE WILL REMAIN OPEN AND UNRESOLVED!!! Regards, [redacted] ***

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 reportThank you for bringing this matter to our attention and providing us the opportunity to respondWe 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] , [redacted] , and [redacted] remove our reporting of the account from your credit reportPlease allow these agencies 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 situationI acknowledge that this can be frustrating and ask that you accept my sincere apologyHowever, we respectfully decline your request for any reimbursement.Mr [redacted] , again, I apologize for the concern and any inconvenience this matter may have causedShould you have any questions, please contact our Credit Bureau Disputes Department at [redacted] A representative will be glad to assist you.Sincerely,

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 meI will wait for the business to perform this action and, if it does, will consider this complaint resolvedIf 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 As a part of my issue is not receiving valid information by way of telephone, I have sent SunTrust bank a letter asking to correspond with me via email or U.SMail to discussI have not received a response Regards, [redacted] ***

Dear [redacted] We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding the status of the above referenced dispute casesYou also mentioned the quality of service you received when you tried to contact SunTrust BankI appreciate the opportunity to respond.SunTrust strives to provide exceptional service with each and every client interaction, and we recognize that we did not meet these expectations in this situationFor that we sincerely apologize.We show that, on April 4, 2017, we credited your account $ [redacted] for Case [redacted] You did not incur any overdraft fees for these transactions (statement copy enclosed).Regarding Case [redacted] , on March and March 15, 2017, letters from our Fraud Assistance Center that included Written Statement of Unauthorized Debit forms were sent to you to complete and return to us (copies enclosed)We had not received the documents; therefore, a decision was not madeHowever, on April 5, 2017, we received the requested document and this case is being reviewedIf you incurred overdraft fees due to the transaction, they will be reviewed and, if applicable, will be refundedUpon completion of the review process, you will receive a written response from our Fraud Assistance Center.Unfortunately, the account is currently overdrawnGiven 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 consumer reporting agencies.This communication is an attempt to collect a debt and any information you provide, whether written or verbal, will be used for that purposeHowever, if your debt is discharged in bankruptcy or you are protected by the automatic stay in a bankruptcy proceeding, SunTrust recognizes that you may not be liable for this debt and this letter is not an attempt to collect a debt but is being sent for notice purposes only[redacted] , should you have any questions or new information regarding your claims, please call our Fraud Assistance Center at [redacted] A representative will be glad to help you.Sincerely,Diane E***

SunTrust has responded to our client but cannot share the response with the Revdex.com as no signed third party authorization was receivedPlease close this case on your recordsChris L [redacted] – Officer – Client Advocacy Management OfficeSunTrust Bank I Take a step toward financial confidence Join the movement at onUp.com [redacted] [redacted] [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 materialAny 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 prohibitedIf you have received this email in error please contact the sender and delete the material from any computerBy replying to this e-mail, you consent to SunTrust's monitoring activities of all communication that occurs on SunTrust's systemsSunTrust is a federally registered service mark of SunTrust Banks, Inc.[ST:XCL]

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]

Re: Select Checking Account ending in *** Revdex.com (Revdex.com) Case [redacted] Consumer Financial Protection Bureau (CFPB) Case 151118-Dear Mr***: We have received and reviewed your correspondences forwarded to us from the Revdex.com and the CFPB regarding assessed overdraft fees that were the result of payments using our Online Banking with Bill Pay service that were paid from your above referenced accountWe also received your correspondences addressed to SunTrust executives regarding this same issueI appreciate the opportunity to respondour records reflect that, on October 7, 2015, you scheduled.payments for [redacted] ($180) and [redacted] ($50.00) to be paid on October 30, You also scheduled a payment to SunTrust Mortgage ($900) to be paid on November 2, In addition, on October 7, 2015, you modified the due date to [redacted] from October to October 16, Then, on October at 5:a.mthe due date was modified to October 19, and at 8:a.mthe due date was again modified to November 2, Since the payment due date was November 2, 2015, the payment process began on October 30, Regarding the payment to [redacted] , on October 15, 2015, the payment due date was modified from October to November 2, Accordingly, the payment process began on October 30, In reference to the SunTrust Mortgage payment, on October 7, 2015, the payment was modified from $to $The payment to SunTrust Mortgage is made via check; therefore, the payment was processed and mailed on October 28, to allow enough time to arrive by the November 2, due dateAfter October 15, 2015, no further log on activity occurred until October 31, 2015, at which time the remaining scheduled bill payments were cancelled and the Bill Pay service was inactivatedAt that time the above referenced payments had been processed and could not be cancelledPayment cancellation requests are disclosed on page (copy enclosed) of the Online Services Agreement, which you accepted at the time you enrolled in the serviceOn November and again on November 5, 2015, the payments to [redacted] and *** [redacted] were presented and returned due to insufficient account balancesFor each transaction your account was assessed a $returned item feeAs a courtesy, on November 20, 2015, we refunded those fees totaling $(statement copy enclosed)You also received a $overdraft item fee refund on November 18, On November 23, we refunded $and on November 24, 2015, we refunded an additional $in fees, for a total of $In order to decrease the chances of this happening again, please visit suntrust.com, where you will find helpful tips on how to manage your account and avoid fees (see Banking....., Overview Guides and Disclosures-+ The Facts About Banking)You will also find useful information about our overdraft services and how to monitor your account activity when the balance gets too low or becomes overdrawn by setting up email or mobile alertsYou may also want to set up Overdraft Protection, whereby a protector account is linked to your transaction account to cover any potential shortfallsDetailed information about thi$ service is found on our website (see Banking-Account Features-+Overdraft Services)Instructions for signing up for Overdraft Protection and setting up email or mobile alerts are also found on our websiteMr***, I hope that the information provided is helpful to youShould you have any additional 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 branchA representative will be glad to assist you Sincerely, Diane E***

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