American Summit DBA Summit Realtors

Re: [redacted] BBB Case [redacted] We responded to Ms. [redacted] by letter on February 4, 2015. If you have any questions about our response, please contact Ms. [redacted] . Sincerely, [redacted] *** Vice President and... Manager Executive Services

Revdex.com:The complaint was resolved and SunTrust returned the overdraft fees to our account after being contacted by the bank again and having our account reviewed by corperateThank you for your help in resolving the matterIt is much appreciatedIf the company does not perform as promised I can get back to you at: [redacted] Regards, [redacted]

Dear Ms***:We have received and reviewed your correspondences forwarded to us from the Revdex.com and the CFPB regarding the posting of items and overdraft fees charged to the account referenced aboveI appreciate the opportunity to respond.Our records show that, on July 25, 2016, overdraft fees were caused when eight debits totaling $1,($– [redacted] , $- Check [redacted] $– Check [redacted] $– Check ***, $– [redacted] , $– ***, $– [redacted] and $- [redacted] ), paid against an available balance of $1,Given that there were not enough funds to cover all of the items, your account was assessed six overdraft fees totaling $Based on this information, we have determined that these fees are validHowever, as a courtesy, we refunded [redacted] overdraft fee on July 26, We respectfully decline your request for additional refunds [redacted] is a statement copy for your review.The posting order of your items is in accordance with our Rules and Regulations For Deposit Accounts [redacted] is page of our Rules for your reviewOur Rules are provided at account opening and on suntrust.com (see Menu?Personal Checking Accounts?Features and Benefits?Overview Guides and Disclosures?Deposit Account Disclosures)SunTrust acts in accordance with all State and Federal laws and regulations and denies the allegations of wrong doing.Also, regarding debit card transactions, once 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 account Typically, 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 page of our Rules ( [redacted] ).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 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?Small Business Banking?Optimize Cash Flow?Overdraft Protection)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 additional questions 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 youThank you for choosing SunTrust for your financial needs

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.I am not satisfied with the resolution because it caused grief and stress and that week that money was taken from me without notice I didn't have money to feed my children which I expressed to the bank in person and by phone and no one was willing to help me to resolve the matterI requested my money be refunded to me and all they did was waive their useless fees Regards, [redacted]

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] ***

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

December 22, [redacted] [redacted] [redacted] *** [redacted] *** Re: Loan Number: Property Address: [redacted] *** Case Numbers: [redacted] , [redacted] and [redacted] [redacted] Case Number: [redacted] Revdex.com Case Number: [redacted] Dear Mrand Mrs [redacted] : We have received and reviewed the correspondence that was forwarded to our office from the [redacted] (***), Revdex.com (Revdex.com) and [redacted] regarding the above referenced loanWe appreciate the opportunity to look into the issue raised and to provide a response to youAt SunTrust, we work hard to provide exceptional service to every client and regret any instance when we fall short of that goalOur records indicate that on August 24, 2016, we disbursed a tax payment to [redacted] in the amount of [redacted] When you contacted us to advise the tax office was still showing your taxes due, the original check was stoppedOn December 16, 2016, we reissued a check in the amount of [redacted] and the check was mailed via [redacted] (tracking [redacted] )We confirmed the payment was delivered on December 19, and the taxes are now paid in fullPlease be advised that SunTrust paid the penalty and interest amount of [redacted] This fee was not paid from your escrow accountWe apologize for any inconvenience this issue may have caused youMrand Mrs [redacted] , if 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.mETSincerely, Kenya W*** Mortgage Escalations Resolution Team

We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding the credit reporting inquiresWe appreciate the opportunity to respond While It is not entirely clear from your correspondence what service or reporting you /> may be contacting us about, our records reflect that the above referenced Loan ending in [redacted] was paid in full on March 28, As for SunTrust credit reporting, I have been advised by our Credit Disputes Department that SunTrust is not reporting the above referenced account to [redacted] We will be glad to research his matter further; however, we will need additional information from youPlease send a clear copy of your credit report showing the account in questionAlso, please provide me the name of the credit-reporting agency on which the account is shownFor your convenience, I have [redacted] a postage-paid envelope for you to use in sending this information to meOnce I receive it, I will contact you with my findings [redacted] we look forward to hearing from you so that this matter can be resolved If you have any questions, please call me at [redacted] ***, Monday through Friday from 7:a.mto 4:p.m., ET, to further discuss this matter Sincerely, [redacted] ***

Hello I submitted a complaint on 9/12/# [redacted] it has been resolved suntrust has refunded all of the fees and money from each transaction Thank you [redacted] ***

Re: Revdex.com complaint# [redacted] We have been unable to locate the client in our records based off of the information 11px;">providedMultiple attempts to contact Mr [redacted] have been made without any response by himA letter has boon mailed to the address provided by the Revdex.com requesting that he return our calls

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 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 company has refused to admit any fault in its policies or sub standard training for its employees Furthermore, just today I was levied two further overdraft fees for charges which did not put my account into a negative balance with a third soon to be added from a third pending charge that, under circumstances would also not have place my account in a negative amount This is highly suspicious behavior so soon after lodging my complaint against them for this very actUntil this is resolved, my money refunded, and I am no longer a customer with this miserable company will I accept any offer from them other than complete liability Regards, [redacted] ***

SunTrust has responded to our client but cannot share our response with the Revdex.com as no signed third party form was received Please close this case 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 get back to you at: [redacted] Regards, [redacted] ***

We have responded to [redacted] by letter on May 6, If you have any questions about our response, please contact [redacted] Sincerely, [redacted] ***

[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] SunTrust handled my complaint promptly, and I'm satisfied with the resolution Regards, [redacted]

Dear Ms [redacted] : We received your correspondence regarding the above referenced caseHowever, you did not include a signed authorization farm from Ms***Therefore, we are unable to provide you with a copy of our response to Ms [redacted] dated May 21, Upon receipt of the signed authorization form, we will gladly share a copy of our response with your office

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,

February 18, [redacted] *** [redacted] Re: Revdex.com Serving Central Virginia (Revdex.com) Case [redacted] SunTrust Academic Answer Student Loans Dear [redacted] ***: We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding your five student loans and your wish to consolidate them at a lower interest rate and paymentWe appreciate the opportunity to respond According to our records, you have five Academic Answer loans that were granted for use when you attended [redacted] Currently, your loans are serviced by [redacted] account number ending in *** In June 2013, [redacted] was informed that you had graduated from the universityYour loans then entered a six-month grace period on June 15, with your first payment due in January In December 2013, you requested a modified payment plan whereby you would pay the interest due only; we agreedThis month's payment was due on February 16, for $473.93, the monthly combined amount due on all of your SunTrust loans On Februa'ry 17, 2014, [redacted] received a forbearance request from you, and it is currently under reviewOur servicer will notify you if the forbearance request is approvedPlease note that there is only months of forbearance time that can be used over the life of the loans We received your request for a [redacted] ***) application on January 9,The [redacted] is a credit based loan, and unfortunately you did not meet the credit criteria in order to qualify for the consolidation of your loans [redacted] is a copy of the adverse action notice mailed to you dated January 9, Two of your five Academic Answer loans have cosignersWe do offer a program that allows a cosigner to be released, however this program reqUires that the initial consecutive principal and interest payments be made on time before you can apply to have a cosigner released from your loan obligationSince you are currently repaying your debt with an interest-only plan I please note these interest-only payments will not count towards the principal and interest payments required to apply for release of any co-signerAfter you have made consecutive on-time principal and interest payments you can submit an application to release the cosigner from your loansAt that time, SunTrust will evaluate your credit to determine if you qualify to have your cosigner(s) released from your Academic Answer loans It is SunTrust's policy to offer its banking products and services, including credit products, to any qualified applicant in a responsible and non-discriminatory manner, and in compliance with all applicable Fair Banking and Consumer Protection LawsSunTrust is committed to fairly representing its products and services and honestly and transparently disclosing the associated costs and feesOur goal is to provide value to our clients, protect their interests, and assist them in selecting the products or services that meet their needsTo that end, we scrutinize our disclosures to ensure that they are clear and understandable; verify that information provided to our clients is complete and accurate; and listen to our clients' expressed needsWe provide comprehensive training to our employees and perform ongoing monitoring to ensure compliance with Consumer Protection Laws and Regulations We take allegations of unfair, deceptive, or abusive acts and practices seriously and do not tolerate these actions from any employee [redacted] ***, if yOll have any questionsplease do not hesitate to call our servicer, ***, at [redacted] Monday through Friday from 7:a.mto 9:p.m., Eastern TimeA representative will gladly respond

Dear [redacted] ***:We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding alleged unauthorized transactions on your above accountI appreciate the opportunity to respond.Your comments about the level of service you received from our representatives are very important to us and were shared with the appropriate managementI understand this has been a frustrating situations for you, and I apologize for the concern and any inconvenience causedOur records show that on July 17, an ATM cash withdrawal of $and two non-SunTrust ATM fees totaling $($each) were debited from your Everyday Checking AccountYou notified us on July 19, that you did not make these ATM cash withdrawals because you lost your ATM card and PIN prior to the withdrawals being madeA claim, Case ***, was established for investigations.On July 20, there was one pending ATM cash withdrawal of $from July 19, and three non-SunTrust feels totaling $($2.50) that were debited from your accountYou withdrew the remaining balance of $on July 31, to close the accountThese transactions are reflected on your August 12, statement (enclosed)Because the withdrawals were made using your PIN the case was denied.We reviewed your case again and based on the information you provided and that they withdrawals were made using your PIN, the case was denied as explained in the July 31,letter from our Fraud Assistance Center ( [redacted] )Our records reflect that on August 25, we received copies of the police reports and referred them to our fraud department for reviewThe fraud department will notify you of their decision after completion of their investigation [redacted] we hope the information contained in their letter will alleviate any further concerns, if you have any questions or need further assistance, please contact our Fraud Department at [redacted] and a representative will be glad to help youThank you for banking with SunTrust.Sincerely, [redacted] ***