47th Place Carpet One Floor & Home

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

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
Regards,
*** ***

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
No resolution was offered in this response from Suntrust No letter was regarding this complaint was received Actually, I received a bill from Suntrust Merchant Services today demanding $for no stated reason
Regards,
*** ***

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
At no point in time, have I been able to call into Suntrust and get financial information on *** *** account*** opened this account with the sole responsibility that she would be responsible for itI would log into my account daily, I called into Suntrust on October 26th notifying the bank of mysterious funds in *** *** account and inquiring about them, I was told that no information could be provided since I was not the account holderI am requesting my funds be refunded in a check form, the account under the name of *** *** closed, and no further debt collections be pursued under my nameAction has to be followed up with *** ***, the account holderIt is absolutely unlawful to move money out of my account for an account I have no privileges toI am very disappointed with Suntrust and the lack of information provided when I called in about that transactionsI also asked if they could freeze the funds until I spoke with *** and inquired about where the funds came fromI am only responsible for account ending in ***As you can see, my account has never been over-drawn or erroneously used. I will accept or optionsI am also requesting a copy of this check that was deposited into *** *** accountARefundBMy name be cleared of anything outstanding and owed in reference to *** *** account Thank you
Regards,
*** ***

Dear
Mr***:We
have received and reviewed your correspondence forwarded to us from the Revdex.com regarding
statement copies you ordered for the above referenced account and the fees
charged for these copiesI appreciate the opportunity to respond.Our
records indicate that, via Online Banking on
June 17, 2016, you ordered copies of
account statements from October through March 16, When ordering
statements online, a disclosure is shown that states, “Statement copies are available for up to yearsFees may apply for each
paper copy orderedPlease refer to our Fee Schedule for specific details
Delivery may take 5-business daysMore than copies may require additional
delivery time.” In addition, a link that takes you to our fee schedule discloses
the amount charged for statement copies ($each)Our fee schedule is
provided at account opening and also found on suntrust.com (see Menu?PERSONAL
BANKING?Banking?Overview Guides and Disclosures?SunTrust Fee Schedules).You mentioned that before ordering the
statements, you were not aware that a fee would be chargedAfter becoming
aware of the fee, you called SunTrust and attempted to have the request
cancelledHowever, we advised that we were unable to stop the request or
refund the fee charged for this serviceWe show the request was completed, and
you were assessed a $research (statement) fee on June 24, After
reviewing your comments, as a courtesy, a refund for half of the assessed fee (***
was providedThe refund was credited to your account on July 19,
(statements enclosed).Mr
***, we hope this information is helpful to youShould you have any
additional questions regarding your account, please do not hesitate to contact
us via your Online Banking Profile or call us at *** *** A
representative will be glad to assist youThank you for choosing SunTrust for
your financial needs.Sincerely,

Dear ** ***We have received and reviewed your correspondence forwarded
to us from the Revdex.com regarding SunTrust’s decision to close your above referenced
accountWe appreciate the opportunity to respond.The decision to close the account was a business decision
made by SunTrust, as explained in
the August 31, letter from our Fraud
Management Department (copy enclosed)On September 3, you were mailed Official
check *** for $(saving account balance) and Official Check *** for
$(checking account balance)Your accounts are now closed.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-fee 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.** ***, should you have any questions, please call Fraud
Risk Management at ***A representative will be glad to help youWe
wish you well in your future financial endeavors.Sincerely,*** ***

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
My issue is not resolve in any wayI want the $your bank stole from meYour response indicates that page cites that its fine to charge me a fee for a pending charge,My agreement is not pages long its and I would never agree to those conditions for a checking accountThere are over complaints online for this same issue with Suntrust charging this fee to its customersYou have lost me and my family as a customer so I hope the dollars was worth itYou are spending more than that researching and answering my complaintsI have a list of fees that I agreed to and was sent home with in my original paperwork(Attached)Nowhere in this fee schedule does it say that there is a fee for items that might be returned due to lack of funds such as "pending" itemsThe fee schedule refers to a fee for "returned" itemsNo items where marked for returnThis is a very deceptive practice at best.Additionally, This was a free account until I started complaining about this feeThen suddenly I didn't meet the requirements for the accountEven though more that a month was being deposited to the account per the agreementHence the return of the *** account fee,gee thanks.I have *** a screenshot of what my bank ledger told me in the Suntrust mobile app the day of the feeAs you can see even after the dollars is taken from my account I still do NOT have a negative balanceExplain that please
Regards,
*** ***

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

We have received and reviewed your correspondence forwarded to us from the Revdex.com and the CFPB regarding
Check *** for $that was debited from the above referenced accountI appreciate the opportunity to respond.Our
records reflect that, on June 9, 2016, you authorized Check *** for $
payable
to *** *** (copy ***)The check was debited from your
account on June 10, You stated that you tried to set up a dispute, but no
one would help youI understand that you were encouraged to contact our Fraud
Assistance Center at *** option ** to dispute the transactionYour merchant
dispute claim will be considered a courtesy claim because you authorized the
paymentOnce they have completed their research, they will notify you of their
findings in writing.Mr
***, I understand this is not the resolution you were seeking from SunTrust
and regret any difficulty this situation may causeShould you have any other
questions about your account, please do not hesitate to contact us via your
Online Banking Profile or call us at *** (800.786.8787)A
representative will be glad to assist you

We
have received and reviewed your correspondence forwarded to us from the Revdex.com
regarding fees charged to the above referenced account as well as the quality
of service you received when inquiring about this matterI appreciate the
opportunity to respond.Our records show
that, on March 1, 2017,
your beginning balance was $*A mobile transfer of
$*was credited to the account, increasing the available balance to $*
An item from *** *** for $*.** was presented and paid, and a $**overdraft
fee was assessedBecause the account was overdrawn for five consecutive
business days, a $**extended overdraft fee was assessed on March 7,
For your reference, I have enclosed a copy of your statement reflecting these
transactions.You indicate that SunTrust states that we will not
charge an overdraft fee if the overdraft is less than $*In accordance with
our Personal Deposit Accounts Fee
Schedule, which was provided at account opening and also found on our
website suntrust.com (see Menu?Personal Checking Accounts?Features and
Benefits?Overview Guides and Disclosures?SunTrust Fee Schedules), SunTrust will
waive overdraft/returned item fees on transactions that are less than $*As
your transaction was over $*.00, we have determined that the overdraft and
extended overdraft fees are validHowever, as a courtesy, we waived the ***
overdraft fee on March *, This transaction is reflected on the enclosed
statementSunTrust
acts in accordance with all State and Federal laws and regulations and denies
the allegations of wrong doing.Unfortunately,
your 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 agenciesThis
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.Your
comments regarding these matters are important to us and were shared with the
appropriate management areasSunTrust strives to provide exceptional service
with each and every client interaction, and we understand that we did not meet
these expectationsFor that we apologize.Mr
***, I regret any inconvenience that this situation may have caused you
Should 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
800.SUNTRUST (800.***)A representative will be glad to assist youSincerely,Chris
L***

[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,
*** ***

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

December 29, 2016 *** ***
*** ** *** *** *** ***
*** *** ** *** Re: Select Checking Account ending in Essential Checking Account ending in *** *** *** *** (***) Case *** Revdex.com (Revdex.com) Case
*** Dear Ms***: We have received and reviewed the correspondences forwarded to us from the *** and the Revdex.com regarding overdraft fees assessed on the accounts referenced aboveI appreciate the opportunity to respond. You mentioned that you do not have Overdraft Coverage on the accounts aboveI have confirmed both accounts do not have the Overdraft Coverage option selected. Overage Coverage is when the bank authorizes/pays a transaction when the client’s available balance is not sufficient to cover that transaction amountThe bank authorizes these types of transactions, at its discretion, at the time of the transaction and may not approve all transactionsOverdraft Coverage applies to ATM and everyday (non-recurring) debit card transactionsThis means that any ATM or everyday debit card transactions resulting in an overdraft of your account may be declined at the point of saleOverdraft Coverage does not apply to checks, payments made via online banking, automatic bill payments, *** debit transactions and recurring debit card transactions. We reviewed your accounts and determined that the overdraft fees were all valid fee assessments because, in each instance, there were not enough funds to cover the items posted to your account and the fees were assessed for items not covered under Overdraft Coverage as outlined aboveHowever, as a courtesy, we refunded one *** overdraft fee to your account ending in on December 14, (interim statement enclosed)Because no bank error occurred, we respectfully decline your request for a refund of all the overdraft fees assessed on the accountsEnclosed is a copy of our fee scheduleThe fee schedule is provided at account opening and found on suntrust.com (see Menu -> Personal Checking Accounts -> Features and Benefits -> Overview Guides and Disclosures ->SunTrust Fee Schedules)Please note that SunTrust will waive overdraft fees on transactions that are less than $5.00. In order to decrease the chances of this happening again, please visit our website, 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 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. Ms***, I hope this information is helpful to youShould you have any questions, please call us at 800.SUNTRUST (800.786.8787)A representative will be glad to speak with you. Sincerely, Kathy B*** Officer Client Advocacy Management 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 have not received any resolution, response or offer from SunTrust BankThey have not contacted me by mail or emailI received one courtesy phone call during which no resolution was reached by either partyThey continue to charge late fees from previous months, even though when the account was paid in full, no late fees were charged and the balance was zero
The reports have not been withdrawn from the credit reporting agencies by SunTrust
I further learned that when the balance was paid in full, an automated recording stated that there had been no reports to the credit agencies at all for the primary holder of the accountThat statement is false, as we were both reported as late to Equifax and TransunionMy complaint that I was not notified of the account being late still standsWhat's more, SunTrust continues to fail in communicating with me, a case in point being the resolution to this complaintI have not received any direct response
Regards,*** ***

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
The only response I received was a name of the case manager "Sheri ***" who was assigned and reviewing my case. Sheri has not communicated or provided any correspondence to me. Upon receiving this message I have called and left a voice mail with Sheri *** but have not received a return call
Regards,
*** ***

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.The information Sun Trust Bank offered was not an actual response to the above mentioned claim but only asking for third party authorization to respond? I am consenting that Sun Trust Bank provide a response to this complaint to the Revdex.com on my behalf to resolve overdraft fees charged to my account for the month of April
Regards,
*** ***

Re: Auto Loan Account ending in *** Chapter Bankruptcy Revdex.com (Revdex.com) Case *** Dear Ms***: We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding your above referenced auto loan
account and Chapter Bankruptcy filingI appreciate the opportunity to respond. Our records indicate that Chapter Bankruptcy Case *** was filed on June 15, and was discharged on September 23, All collection activity stopped when you filed the BankruptcyWe show that a reaffirmation agreement was emailed to your attorney on June 23, The reaffirmation documents were not filed in your case, and we have no record that the agreement was returned to SunTrustFor this reason, you are not liable for the account balance, and any payments you made were done so voluntarilyIf you have any questions related to the handling of the reaffirmation agreement, please contact the attorney that handled your bankruptcy caseWe respectfully decline your request for *** as compensationSunTrust acts in accordance with all State and Federal laws and regulations and denies the allegation of wrong doing. When your account became past due, you were sent a ''right to cure" letter, as required by the State of Maryland, advising you that the vehicle would be repossessedYou had a choice to make payments in order to keep the vehicle, or the vehicle would be repossessedYou chose to voluntarily surrender the vehicle on May 7, You may contact our Repossession Department directly at regarding the surrendered vehicle. Ms***, I understand the difficulty a situation like this can cause and regret any inconvenience you experiencedShould you have any additional questions or concerns regarding your account, please contact our Bankruptcy Department at A representative will be glad to assist you. Sincerely, Kathy B*** Officer Client Advocacy Management 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 will forward you the third party authorization they asked for ASAP
Regards,
*** ***

We have received and reviewed our correspondence forwarded
to us from the Revdex.com regarding fees assessed during the repossession process of the
vehicle securing the above referenced accountThank you for speaking with me
about your concernsI appreciate the opportunity to respond.I shared your comments with the management in our
Repossession DepartmentAfter reviewing this matter, the decision was made to
refund $to youThese funds were sent out separately on July 10,
Unfortunately, the funds were mailed to the incorrect mailing address, and I apologize
for any frustration this oversight causedWhen we spoke today, you confirmed
that you are now in receipt of the refund.** *** I hope the information contained in this letter,
will alleviate any further concernsIf you have any questions or need further assistance,
please contact me at *** I will be glad to help youThank you for
banking with SunTrust.Sincerely,*** ***

We have received and reviewed your correspondence forwarded to us from the Revdex.comregarding our decision to close your above referenced accountI appreciate theopportunity to respond.According to our Rules and Regulations For Deposit Accounts, which is provided ataccount opening and is available on our
website suntrust.com (see About Us--+FeeSchedules--+Deposit Account Disclosures), "the Bank may close your Account at any timeand for any reason or for no reason without advance notice." *** are pages andof our Rules for your review.Your account was placed in a "no debit" status and in the process of being closed afteryou deposited a check for $*** that was credited to the account on July 7, 2015.1understand that, after you discussed your account with Ms*** ***manager of the *** *** ***, she was able to assist you with keeping the accountopened.When you spoke with Ms*** on July 16, 2015, she confirmed your accountwas activeIn addition, she was able to reset your online banking and verified that yourdebit card was working.Mr***, we are pleased that we were able to assist youIf you have any questions, donot hesitate to contact us via your Online Banking Profile, call 800.SUNTRUST*** or visit any SunTrust branchOur representatives will be glad to help you.Thank you for banking with SunTrust