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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 recordsFDiane E***Assistant Vice President - Client Advocacy Office SunTrust Bank | Take a step toward financial confidenceJoin the movement at onUp.com[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 receivedPlease close this case on your recordsSeth *M [redacted] **

Dear [redacted] ***:We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding the EIN for accounts held in the name of [redacted] ***I appreciate the opportunity to respond.You mentioned that you closed your personal EIN which is being used for the accounts of [redacted] ***The EIN was assigned to that business, and even if it is closed, the number is not reassigned.For additional information regarding this matter, please use the following link to the IRS wed [redacted] I have [redacted] a printed copy for your reference[redacted] ***, please understand this is a matter that must be resolved between you and the current business ownersIf we may be of further assistance, please don’t hesitate to call [redacted] or visit any SunTrust branchOur representatives will be glad to help you.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] I received the response to my complaint Problem is the answer is incorrect and unacceptable The response from Suntrust states the Taxpayer ID was assigned to the business The name assigned on the Taxpayer ID is not the owner The IRS only issues Taxpayer ID's to a person or a CorporationSince the [redacted] is not a corporation it can not be the owner of the Taxpayer ID As the letter supplied to Suntrust shows the owner of the Taxpayer ID is me The Taxpayer ID is under my Social Security Number and mine alone In addition Suntrust removed my name from the account preventing me the owner of the Taxpayer ID from being able to close the account

Re: Revdex.com complaint# [redacted] ( [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 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.I contacted Suntrust 8/8/16 as stated in Suntrust letter to me. Suntrust was not able to understand my request and dropped the call. Demand was to close all accounts and return money owed to me. Suntrust has failed to meet my demand. 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 receivedPlease 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 receivedPlease close this case on your recordsKathy B***Officer, Client Advocacy OfficeSunTrust BankTake a step toward financial confidence.Join the movement at onUp.com [redacted] [redacted] [redacted] ** [redacted]

December 12, [redacted] *** [redacted] *** [redacted] Re: Checking Account ending in Claim [redacted] Revdex.com (Revdex.com) Case [redacted] Dear Ms***: We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding your above referenced claimWe appreciate the opportunity to respondOur records show that, on July 6, 2016, you contacted us to dispute twenty-three checks totaling [redacted] that posted to your account from June through July 5, (statement enclosed)Claim [redacted] was established at that timeOn July 8, 2016, a member of our Corporate Security team met with you to discuss your concernsAt that time, we advised you that we would not compensate you for the disputed checksWe recommended that you pursue action through the court system where you may be able to seek restitutionYour concerns have been thoroughly reviewed and our position remains the sameMs***, should you have any other questions regarding this matter, please call our Fraud Assistance Center at A representative will be glad to speak with youSincerely, Chris L*** Officer Client Advocacy Management Office

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]

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

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 aboveThank you for taking the time to speak with me about this matterI 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 balanceFunds 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 accountFor this reason, clients must maintain accurate account records noting all authorized transactions, including pending debits and credit, to determine their available balancesDetailed information concerning this matter is included on page and 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, On that date your beginning balance was $A pending item for $reduced your available balance to $AN item for $was then presented, decreasing the available balance to negative $A $ overdraft fee was assessed, making the available balance negative $The account became positive on June 9, when accredit was received for $274.Based on the above information, we have determined that the assessed fee is valid and will need to remainEnclosed in the June 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 feesYou 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 shortfallsDetailed information about this service is found on our websiteInstructions 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 reconsiderYour comment regarding this matter are very important to us and were shared with the appropriate management teamSunTrust strives to provide exceptional service with each and every client interaction, and we understand that we did not meet these expectations in this situationFor this we apologize[redacted] ***, although this may not be the answer you expected, 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 [redacted] A representative will be glad to assist you.Sincerely,Haywood [redacted]

Dear [redacted] :We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding the above referenced accounts that were opened without your authorization and the quality of service you received when you visited the Historic Downtown Branch to discuss the accountsYour comments are very important to us and were shared with the appropriate management teamI 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 situationFor that we apologize.The information you provided helps us to know where emphasis for future training and process improvement efforts should be placedWe learn how and where we can improve from clients like you, taking the time to share your experiences.In you correspondence you suggested the unauthorized accounts were open due to an internal SunTrust breachOur investigation of your claim, case [redacted] , was unable to find any evidence that a SunTrust employee was associated with the unauthorized account openingsEach of the unauthorized accounts was opened online on April 25, 2016, using your personal informationThe accounts were not opened at a branch.We were able to confirm that no funds were removed from any of your accounts by the fraudsterAs stated in our May 31, 2016, letter ( [redacted] ), we approved your claim and will remove all negative reporting associated with your name.As of the date of this letter, our records show that all of your accounts are closedFor this reason, your Online Banking Profile is inactive[redacted] ***, we hope this information contained in this letter will alleviate any further concernsIf you have any questions or need further assistance, please do not hesitate to call out Fraud Assistance Center at [redacted] A representative will be glad to help you.Sincerely,Swth M***

Dear Ms [redacted] : We have received and reviewed your correspondence forwarded 1o us from the Revdex.com regarding the hold placed on your checking account referenced aboveI appreciate the opportunity to respond Our records show that, on August 21, 2015, you opened the above account at our Blacksburg [redacted] Branch During the review process a business decision was made to close your accountA hold was placed on the account in preparation !or the closingYou were informed that the branch or area manager may be able to override the account closing decision, but regrettably, this could not be done_ Sun Trust's right close the account is documented beginning on page (copy [redacted] ) of our Rules and Regulations tor Deposit Accounts, which is provided at account opening and available on our website suntrust.com (see About Us ?Fee Schedules ?Deposit Account Disclosures)Our records show the account is now closed, and the funds were mailed to you on September 8, via Official Check [redacted] for $Regarding the service you received, as well as the service you mentioned when you visited our branch, your comments are very important to us and were shared with the appropriate managementWe understand that we did not meet your expectations and regret any inconvenience causedMs [redacted] , we wish you well in your future financial endeavorsIf you have any questions, please feel free to call me at [redacted] I will be happy to help 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 Suntrust bank would simply like this case to be closed Regards, [redacted]

Wanda H [redacted] SunTrust Mortgage, Inc [redacted] [redacted] *** [redacted] [redacted] October 26, [redacted] *** [redacted] *** [redacted] *** Re: Loan Number: Property Address: [redacted] *** Case Number: [redacted] Revdex.com Case Number: [redacted] Dear Ms*** We have received and reviewed the letter that was forwarded to our office from the Revdex.com regarding the above referenced accountWe appreciate the opportunity to look into the issue raised and to provide a responseCongratulations in paying your loan in fullOur records reflect that on August 18, we received $329,079.93, which satisfied the total amount dueIn accordance with state compliance deadlines, SunTrust Mortgage, Inchas (days) until November 17, 2016, to send the release of the lien to the county courthouseOnce processed, the release will be part of the official land records and available for future real estate transactionsYour letter indicated that you were unable to close on your Equity Loan until the lien has been releasedTo assist you in closing the Equity loan, we have enclosed a copy of the executed release document that may be presented to your closing agent showing that the lien will be releasedIf you have any questions regarding this letter, you may contact our Mortgage Escalations Resolution Team at 855.223.4640, Monday through Friday from a.mto p.m., ETSincerely, Wanda H*** Officer Mortgage Escalations Resolution Team Enclosures: Including State and Federal Disclosures STMHB cc: [redacted] ***, Revdex.com SunTrust Bank, Member FDIC© SunTrust Banks, IncSunTrust is a federally registered service mark of SunTrust Banks, Inc

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]

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 receivedPlease 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 My issue with the whole situation is not the fact that there was a holdI completely understand that banks have holdsI ALSO know some holds can be resolved if some action is taken, but the action needed to resolve this one was a bit muchWhich is FINEBut I had to pay rent which would not wait till the 8th to be paidSo I took that recommendation to cash the check so I can pay my rentI 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 amountThe only reason I did the billpay is because I thought everything would be good by the 5thIt wasn't so I made sure to say I would take other actionsSo like I said no problem with the hold I just had to get my funds faster than the release which I didBut 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$check being removed because I am not a thief! But because you still sent out that $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 checkSo 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 $back, but with the length of time all this bt tookThere was no point for me to even get my $backAnd 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 $because it was just applied to this months rent and I REFUSE to let you guys mess up any more companies I am associated withI don't even want to pay $for service because this month of Januarywith you guys have been horrid! I knew something would be wrong when I couldn't even get my first checkbook with some checks I was told I had to pay for that when you guys didn't even mail me the beginning checkbook in the first place! I can honestly say I have never experienced this kind of service before and I am so disappointed that with all the agents I spoke withIt took a supervisor on the 19th of January to basically set everything straight So once again, I have no issue about the fact that holds can occur anytime, I realize that, and of course I have no problem with the fact that you guys had to take the money back (I shouldnt have been paid it to the bank in the first place!!!) Its the fact that I was just led blindly, had to apologize to my job and amazon, and given hope and had the inconvenience to cash my job checks at some random liquor store and pay those freakin fees because of this mess with you guys$bucks to cash a check at M&t was not something I really wanted to have doneThank god my job cancelled the direct deposit when they did or Id really be livid with you guysThis was a great birthday month for me, january was just perfect with you guys! Happy birthday to fking me Regards, [redacted]

Dear Ms. [redacted] :We have received and reviewed your correspondence forwarded to us from theBBBregarding the quality of service you received when placing a check order for yourabove referenced account. Your comments are very important to us, and we 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 the 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.Our records show that a check order was placed on June 20, 2016 and shipped on June 21, 2016 to the above referenced address. When you informed us that the checks never arrived, an additional order was placed on August 13, 2016, at our Hickory Flat Branch. Please allow seven to ten business days from the order date to receive this order. You also mentioned a $3.00 external transfer fee. Since the transfer was not completed, no fee was assessed to the account (statement copies enclosed).Ms. [redacted] , your satisfaction is important to us, and we ask that you 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 or call us at [redacted] . A representative will be glad to assist you. Thank you for banking with SunTrust.