American Summit DBA Summit Realtors

Dear Ms [redacted] :We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding an ATM deposit made to the above referenced accountWe appreciate the opportunity to respondOur records show that, on April 18, 2016, you informed us that an ATM deposit of $did not post to your accountA claim, Case 2682440, was established for you,and a provisional credit for $was applied to the account on that dayHowever, our initial review of the matter was unable to locate evidence that an error occurred, and the provisional credit was reversed on May 12, 2016.On May 18, 2016, we received a rebuttal form from youRebuttals can take up to business days to review, as was disclosed on the rebuttal formAfter a second review of the claim, our investigation determined that the deposit was madeTherefore, a [redacted] credit was applied to your account on August 1, (statement enclosed),which was several days longer than the originally disclosed turnaround timeWe apologize for any inconvenience this may have caused.Ms [redacted] , should you have any questions, please call our Fraud Assistance Center at [redacted] A representative will be glad to speak with youThank you for banking with SunTrust

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

Re: Auto Loan Account ending in *** Chapter Bankruptcy Revdex.com (Revdex.com) Case [redacted] Dear Ms [redacted] : 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 respondOur records indicate that Chapter Bankruptcy Case [redacted] 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 [redacted] as compensationSunTrust acts in accordance with all State and Federal laws and regulations and denies the allegation of wrong doingWhen 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 vehicleMs [redacted] , 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

Re: Select Checking Account ending in *** Revdex.com (Revdex.com) Case [redacted] 11px;">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 by telephone 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 received Please close this case on your records Haywood LB [redacted] Officer Wholesale Client Advocacy Research & Resolution Team [redacted] *** [redacted] ***

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

We responded to [redacted] by letter on September 22, If you have questions about our response, please contact [redacted] *** Sincerely, [redacted] President and Manager

We responded to [redacted] letter on April 15, If you have any additional questions about our response, please contact [redacted] *** Sincerely, [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 FDiane E [redacted] - Client Advocacy Office SunTrust Bank | Take a step toward financial confidenceJoin 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]

Re: [redacted] Revdex.com Case [redacted] We responded to Mr [redacted] by letter on April 23, If you have any questions about our response, please contact Mr [redacted] Sincerely, [redacted] *** Vice President and Manager Executive Services

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.] While I appreciate the concessions made thus far, they are still inadequate to what I was charged I was still charged an additional $fees over and beyond what was credited I must have five additional NSF fees removed or I will be forced to seek legal action Regards, [redacted]

Revdex.com: I have reviewed the offer 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] The third party information was sent offThe information will be resentAt this time we have not heard anything from Suntrust on this matter

Revdex.com: I have reviewed the offer 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 belowWhat you state is partially true and partially untrue I did place a payment to the account titled escrow only, and you are correct that I provided an address to where the payment was to be sent You are partially correct in saying “the service sends the funds” Let’s be clear, when we say, “the service “ we are talking about SunTrust’s bill payment service, and the mistake which you call unfortunate, is to me reckless and irresponsibleAlso, I would like you not only correct your error, but have your database administrators filter your bill pay script, so this error does not occur againSo far I am not seeing that you are making that correction, which again comes across to me as financially endangering It is also partially correct because you do not provide a check to the monthly mortgage account but you use an [redacted] wire transfer, so your insinuation that the mistake was a matter of sending to the wrong address is not applicableOne account is an electronic transfer the other is a checkThe facts are Escrow accounts have no electronic transfer (***) and are sent via check to the address provided I have Escrow only accounts with you, and you have correctly sent checks on other occasions And it is completely incorrect that the $was “sent as ordered”, nor did the funds re [redacted] the Escrow as I directed Your statement there is complete false I order the payment be sent to the Escrow account at the address I provided; instead you electronically transferred $to the monthly mortgage accountYou cannot pay the account of your choice No, the funds did not re [redacted] the correctly order account, so your statement saying it did in also falseIf it had re***ed the Escrow account we would not have this conversation You have yet to get that doneYou still have not paid the Escrow only account which is payable at the address I provide for you Since you made the error it is your responsibility to correct itPlease do so immediately Regards, [redacted]

I have banked with Suntrust Bank for many years and depend on bill pay to get my bills paid on time, as I am a busy person (like everyone else) I have never had a problem until recently, when there have been several payments that were not sentThe first time this happened, they did reimburse me for late feesMy concern is the impact on my credit, as I am trying to buy a houseThey tried to say the bills were not paid because they did not receive a bill from the billerHow is this possible when it is set up on Auto pay?? I have complained NUMEROUS TIMES about this, however there have been absolutely no improvements in their services

Revdex.com: I have reviewed the offer 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] The customer called and that he has not gotten a response form SunTrust and is attaching the signed form to hear from the business

Dear [redacted] :We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding the status of your above referenced loanI appreciate the opportunity to respond.Our records indicate that you requested an extension for your monthly payment due for June and July The agreement was not processed due to an internal errorDue to this error your account appeared to be late for the June and July paymentsI realize this was a frustrating experience from you and I am sorry for any confusion caused by this error.In addition, your scheduled payments for the months of August and September were not madeBecause if this, your account was assigned to our repossession Department.After receipt of your correspondence, I was able to reach out to our internal department as well as the branch manager at our [redacted] office to determine what resolution could be reachedWe were able to process the two month extension agreement, waive the late charges and the repossession fees.You were advised that you would need to pay $in order to bring your account current and to remove the account from repossession Records show a payment was made on September 28, and your account is now currentYour next scheduled payment is due on November 9, [redacted] , I apologize that you did not have a positive experience and hope you will allow us the opportunity to regain your confidenceIf you have any questions or concerns regarding your account, please do not hesitate to contact us via your Online Banking Profile, call us at [redacted] or visit any SunTrust branchA representative will be glad to assist youThank you for banking with SunTrust.Sincerely, [redacted] ***

Revdex.com: I have reviewed the offer 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 has yet to provide a response, only a document in which it would like us to signWe agree to have suntrust release their response you the Revdex.com but I will not sign a document from suntrust that says I will hold them harmlessFurthermore suntrust contact me via phone and informed me they would look into the matter and get back to me within daysNo response has been issued from them as of yet Again, I authorize suntrust to release their response to the Revdex.com Regards, [redacted]

We resolved this case by phone I spoke to the client and refunded $in overdraft fees Please close this case on your records Sherry RF [redacted] Vice President, Client Advocacy Management Office SunTrust Bank Take a step toward financial confidenceJoin 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 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

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