47th Place Carpet One Floor & Home

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.]The letter indicates they responded to my attorney on June 23, after the bankruptcy was filedNot once was any contact made to me in writing indicating they had not heard from me or my Attorney to see if I was in fact interest in the reaffirmationThey also show an email that was dated on May 26, concerning me having difficulties with my payments if my payments were voluntarily why are you asking for a payment on a vehicle that was paid off or forgiven in bankruptcyAlso I turned over the vehicle because I found out that it was included in the bankruptcy when I was not aware of because my payments were current at the time I filed bankruptcy once I found out a week or two prior to me receiving the notice to cure I contacted SunTrust and asked the question concerning not receiving an offer of reaffirmation and the SunTrust employee never once indicated that an offer was sent to my bankruptcy attorneyShe could not provide me a response Regards, [redacted]

Dear [redacted] ***,We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding SunTrust’s decisions to close your above referenced accountI appreciate the opportunity to respond.The decision to close the account was a business decision made by SunTrust, as explained in the September 17, 2015, letter from our Fraud Rick Management Department (copy ***)As stated in the letter, according to our Rules and Regulations For Deposit Accounts, which is provided at account opening and is available on our website suntrust.com (see About Us- Free Schedules- Deposit Account Disclosures), “the Bank may close your Account at any time and for any reason or for no reason without advance notice.” (((( are pages and of our Rules for your review.We placed a “no debit” status on your account to prevent any debits activity and to allow time for any remaining funds to be collected from your account during the closing processYour account was closed on September 24, (statement ***.) Official Check [redacted] representing the remaining account balance was mailed to you on September 28, [redacted] ***, we hope the information provided is helpful to youIf you have any questions, please call our Fraud Risk Management Department at [redacted] A representative will be glad to help youWe wish you will in your future financial endeavors

[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 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. [Provide details of why you are not satisfied with this resolution.]First suntrust sent letters to inform about hold after one week (they dated them wrong just to show a shorter time), and the main problem stays (holding local cashier checks for 8 days is against any regulation). That's why suntrust has to respond in this matter to an investigation from FRB and other federal commission. Regards, [redacted] ***

December 15, [redacted] [redacted] *** [redacted] Re: Everyday Checking Account ending in Revdex.com serving Central Virginia (Revdex.com) Case [redacted] Dear Mrs [redacted] : We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding pending debit card transactions and an overdraft fee assessed to the above referenced accountWe appreciate the opportunity to respondOnce a debit card transaction (ATM withdrawal or purchase) 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 accountTypically, it can take between two to five business days for debit card transactions to be presented for payment and permanently post to the accountFor this reason, clients must maintain accurate account records noting all authorized transactions, including pending debits and credits, to determine their available balancesDetailed information concerning this matter is included on pages and of our Rules and Regulations for Deposit Accounts (enclosed)The Rules are provided at account opening and also found on suntrust.com (see Menu -> Personal Checking Accounts -> Features and Benefits -> Overview Guides and Disclosures-> Deposit Account Disclosures)Our records show that, on November 23, 2016, your account balance was [redacted] Three pending items totaling [redacted] reduced your available balance to [redacted] It was against this available balance that one transaction of [redacted] from [redacted] was presented and paid from your accountBecause this item paid against insufficient funds, one [redacted] overdraft fee was assessed to the account (statement enclosed)Based on this information, we have determined that the assessed overdraft fee is valid and will remainIn 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 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 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 websiteMrs [redacted] , although this may not be the answer you expected, I hope the information about avoiding overdraft fees is helpful to youIf you have any 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 youSincerely, Seth *M*** Officer Client Advocacy Management Office

[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 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.The facts presented are not accurate because I did contact the bank more than once but got no where so I made sure I contacted the bank where I could make a screen print that could prove my attempts to address the unauthorized ACH charges but to no availFurthermore, I only opened the account so I could acquire an automatic deposit and the branch ( [redacted] ) assured me that [redacted] did automatic deposits (payroll) and that SunTrust would NOT charge me any monthly service feesUnfortunately, SunTrust was not accurate[redacted] did not do payroll auto deposits for all employeesSo, I went to close my account and the Bank told me I could NOT close the account due to negative balance whereupon I inquired how? It was then that I was informed that unauthorized charges had hit my account...and I told SunTrust they were not authorized and they continued to allow additional unauthorized charges and added additional overdraft fees and would still not close my account so they could add these additonal overdraft fees and unauthorized chargesSunTrust was certainly NOT following best business practices.Once again, SunTrust needs to reverse these charges and remove their negative reporting they place against me on the credit file in questionI will contact the department suggested by Diane E [redacted] and make another attempt to resolve this issue, but this complaint needs remain active until SunTrust actually fixes the problem, NOT just because they make a response that merely makes more attempts to stall and/or sweep the issue under the carpet.Sincerest Regards, 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.After receiving SunTrust's response to my complaint, they have offered no assistance to help meThey rearranged all of my debits/credits to my account to make me withdrawal and achieve the most overdraft fees possibleI have attached a copy of the bank statement they sent me, and you can clearly see from the "Date Paid" and the "Transaction Date" that they have moved all of my transactions aroundI also made a cash deposit of $to insure that my account would not go into the negative, but they held that deposit for an entire hours before it was available in my account, which caused more overdrafts.I would like all fees assessed on my account taken care of, my account closed, and a check for the remaining balance in my accountThis should come to $The fees assessed on my account total to $and my balance is - $so the difference would be the $ Regards, [redacted]

Dear Ms [redacted] : I have received and reviewed your correspondence forwarded to us by the Revdex.com regarding the closure of the above referenced accountI appreciate the opportunity to respond You indicated that when you contacted us to inquire about the account you were unable to obtain correct informationI regret that you were not given accurate information at the time of the callOur records reflect that a check that was deposited in the amount of $was returned to us unpaidBecause of this the business decision was made to close the accountSunTrust accounts are governed by our Rules and Regulations tor Deposit Accounts, a copy of which is provided to our clients at account openingDetailed information concerning this matter is included on pages and 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 beenYou will need to contact the maker of the check to collect the amount of the checkPlease remit $to our: Restitution Coordinator, P.OBox 2600, Mail Code VA-NNS-6491, Norfolk, VA 32501-We wish you the best in your future endeavorsSincerely, [redacted] Officer Client Advocacy Team

Attached is the response that was mailed to the clientPlease close this case on your records Seth AM***Officer - Client Advocacy Management Office

SunTrust has responded to our client by telephone 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 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 [redacted]

November 25, 2016 *** ***
*** *** *** *** **
*** ** *** Re: Auto Loan Account ending in Revdex.com (Revdex.com) Case *** Dear Ms***: We have received and reviewed your correspondence forwarded to us from the
Revdex.com regarding a payment that was processed incorrectly for the account referenced above. SunTrust strives to provide exceptional service with each and every client interaction, and I regret that we did not fully deliver on that this timeThank you for taking the time to speak with me about your concernsI appreciate the opportunity to explain in writing what happened and the corrective action we have taken to resolve this issue. Our records show that, on August 18, 2016, you visited our *** *** *** and made a cash payment of *** to your accountOn the same day, our teller inadvertently processed another payment for ***We corrected this error by reversing one payment, and on August 30, 2016, we mailed a check for *** payable to *** ***, the joint borrower on the accountUnfortunately, the funds were never received by Mr***. In order to reissue the refund check for ***, we required Mr*** to complete and return a notarized affidavit confirming that he did not receive the official checkAfter we received his completed affidavit, we placed a stop payment on the official check and reissued a replacement Check for *** on November 14, We mailed it to the address on file for Mr*** on November 15, I have enclosed a copy of the payment history for your review. Your 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 placed. Ms***, we do apologize for any inconvenience this situation may have causedI hope this information addresses your concernsShould you have any other questions, please call us at 800.SUNTRUST (800.786.8787)A representative will be glad to help you. Sincerely, Kathy B*** Officer Client Advocacy Management Office

Dear *** ***:Thank you for the inquiry concerning your account with
SunTrust Bank. During our investigation we determined that no error occurred
and your case is being denied. Due to the action that has been taken by SunTrust in denying
your claim, you will assume full
responsibility for these debts and any
associated fees. You have the right to request a copy of any documents that
were used in decisioning your claimShould you have any questions, require additional
information or would like to request any documents that were used to
decisioning your claim, please contact our office at ***

[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 ***, 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: ***
Regards,
*** ***

Re: *** *** Revdex.com Case *** We responded to Ms*** by letter on May 27, If you have any questions about our response, please contact Ms***. Sincerely, *** ** *** Vice President and Manager Executive Services

Re : Revdex.com complaint # *** *** *** 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 ***, 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: ***
Regards,
*** ***

Dear Ms***: We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding overdraft and extended overdraft fees that were assessed to your above referenced accountI appreciate the opportunity to respond . Our records reflect that, on December
21, 2015, your account balance was $100.77; a $ATM cash withdrawal was presented and paidOn December 22, 2015, your account balance was negative $135.23; a recurring debit card item from *** {$14.41) was presented and paidOn December 24, 2015, your account l;lalance was negative $185.64: a recurring debit card item from *** ($104.92) was presented and paid. Because there were not sufficient funds in the account to pay the items, your account was assessed three $overdraft fees, totaling $108. On January 12, 2016, your account balance was $102.70; an item from *** ($72.99) was pending, which reduced your available balance to $A purchase from *** ***
*** ($100) was presented and paid On January 19, 2016, your account balance was $20.44: an item from *** ($14.60) was pending, which reduced your balance to $A credit from *** ($3.25) increased your balance to $Two items totaling $(a $ATM cash withdrawal and a $purchase from *** ***) were presented and paidOn January 21, 2016, your account balance was negative $180.31; the recurring debit card purchase from *** {$14.60) was presented and paidOn January 25, 2016, your account balance was negative $230.91; a recurring debit card item from *** ($104.92) was presented and paidBecause there were not sufficient funds in the account to pay the items on the dates presented, your account was assessed five $overdraft fees totaling $Based on this information, we have determined that the assessed overdraft fees are valid and will need to remain (statements enclosed). Because your account balance was negative for five consecutive business days, you were assessed $extended overdraft fees on December 28, and January 25, 2016. The $fee from December 28, was refunded on January 4, 2016. Our records show you have overdraft protection for your checking accountThe $12.50 overdraft protection fee occurs when funds are transferred from your linked protector account to the overdrawn accountDuring the months of December and January 2016, there were not sufficient funds in the protector account to cover the shortfalls . We show that, on August 11, 2015, you accepted Overdraft Coverage, which allows SunTrust to decide whether to pay ATM and everyday debit card transactions when the available balance is not sufficient to cover the transaction As a suggestion, you may want to decline this coverage, meaning that any ATM and everyday debit card transactions that would result in an overdraft of your account will be declined at the point of saleChecks and other transaction made using your checking account number and automatic bill payments are not affected by these rules . Concerning debit card transactions, once a debit transaction is authorized, a hold is placed on the client's account reducing the avallable balanceFunds on hold for pending debit card transactions 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 payment and permanently post to the accountFor this reason, clients must maintain accurate account records noting all authorized transactions, including pending debits and credits, to determine their available balancesDetailed information concerning this matter is included on pages and of our Rules and Regulations For Deposit Accounts (enclosed)The Rules are provided at account opening and also found on suntrust.com (see Banking-70verview Guides and Disclosures-Deposit Account Disclosures). 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-70verview 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 alerts. You mentioned that you want to close the accountIn order to do so, the balance must be positive or zero and all outstanding items must be paidWe also recommend that you contact'merchants to stop recurring and automated clearing house (ACH) transactions. Ms***, although this may not be the answer you expected, I hope the information about avoiding overdrafts is helpful to you Should you have any additional questions or concerns, please contact us via your Online Banking Profile, call us at .SUNTRUST (800.786.8787) or visit any SunTrust branchWe will be glad to assist you . Sincerely, Diane E*** Assistant Vice President Client Advocacy Office

Revdex.com:
I have reviewed the offer and/or response made by the business in
reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.I was contacted by *** *** of SunTrust Customer Advocacy Depth by voicemail on May and told that I would be contacted by someone named *** *** within days to discuss the issues reported to the Revdex.com and to SunTrust Customer Service. I have not been contacted by anyone to date nor have I received the referenced letter mailed to me in the attachment to my complaint. I would also mention that they seemed to have spelled my last name incorrectly in the letter attached to this complaint.
Regards,
*** ***