American Summit DBA Summit Realtors

[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]

Dear Mr [redacted] : We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding blocks placed on your debit card referenced aboveI understand the difficulty this type of situation can cause and regret any frustration you experiencedI appreciate the opportunity to respondOur records show that a test transaction for $from Western Power Sports was submitted to your account on January 13, However, you had done business with this merchant on a regular basis in the past, and payments to the merchant were honored; therefore, the test transaction appeared to be suspiciousFor this reason, we placed a block on your debit card to protect you from potential fraudulent activityBecause you have notified us that transactions received from [redacted] are valid, we have noted your debit card accordinglyWe apologize for any inconvenience this matter causedYou requested compensation for your time while trying to resolve your concernsWe respectfully decline your request, as we do not provide compensation for time spent resolving issuesMr [redacted] , I hope the information contained in this letter will alleviate any further concernsIf you have any questions regarding your account, please do not hesitate to contact us .at 800.SUNTRUST (800.786.8787) or visit any SunTrust branchA representative will be glad to assist you Sincerely, Haywood [redacted] Officer Wholesale Client Relations and Support Team

This bank in HARRISBURG, NC has given us the worst mortgage experience everTook over months,when it should have been daysOver people involved and the DECEAT IN THE CONTRACTAdding money to our contract we didn't sign off on, at the end of this messWATCH THEM/ READ IT CLOSE/ BRING ALL PAPER WORK WITH YOUThe bank uses a third party and the communications between third party and bank is HORRIBLEWe would have gone somewhere else but we paid for the appraisal and other charges [redacted] and [redacted] ***, Revdex.com, [redacted] will help you in your banking decisionsI do not recommend SunTrust

Re: Student Checking Account ending in *** Revdex.com (Revdex.com) Case [redacted] Dear Ms [redacted] : We have received and reviewed your correspondence foiwarded to us from the Revdex.com regarding SunTrust's decision to close your account referenced aboveYour comments are very important to us and were shared with the appropriate management teamI appreciate the opportunity to respondSunTrust 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 apologizeThe 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 experiencesThe decisionto close this account was a business decision made by SunTrust, as explained in the November 19, letter from Fraud Risk Management (copy enclosed)We have reviewed this matter again, and our position remains the sameA check (copy enclosed) that you deposited on November 10, 2015, for $2,was returned from [redacted] as unable to locate accountOn the same date, your account was assessed a $Deposited Item Returned FeeIn addition, because there were not sufficient available funds in the account when the check was returned, your account was assessed a $overdraft feeYou will receive under separate cover a check for $for the fee that was assessedCheck for $was mailed on November-23, to the address of record This amount represents the balance that was in your account on November 19, (statement copy enclosed)Ms [redacted] , should you have any other questions, please call Fraud Risk Management at A representative will be glad to help you Sincerely, Diane E***

Spoke with the business and they stated that they had the authorization form from [redacted] , but that he is not the account holderThey have responded to his mother, who is the account holder, but cannot share that information with Revdex.com as we do not have the signed authorization form from his mother

We resolved Mr. [redacted] concerns by speaking with him on the phone on November 14, 2016. We explained the reason for the overdraft fee but did credit the overdraft fee of $36.00 to the account. We... confirmed that his account was closed. We also apologized for the inconvenience this matter may have caused. Should you have any questions, please feel free to let me know. Please close this case on your records. Chris L [redacted] – Officer – Client Advocacy Management Office

I thought at first to file a complaint, but after one minute, I believe it's not worth complaintit was bad experience and I wouldn't try it againbefore Christmas eve, I tried to open an online account with Suntrust, I couldn't because the website was down, then I went to nearest branch to open it and order checkbook after I deposited 100$I got the checkbook and debit card before christmasand I activated the online banking over the phoneand everything was okayat first, the online banking was okay and after one week, it didn't work anymore , when I called the bank repat phone, she told me that account was closed and she had no data, and I have to go to the bankI got a day off to go the branch, and the bank reptold me that my information is not right !! after all this MY INFORMATIONS ISN'T RIGHT! because I moved to another state althought my ID have the new address, and all my banks account were changed to the new address even my usps accounthorrible experience

SunTrust charge me for overdraft fees, that I'm not responsible for [redacted] took a unauthorized payment out of my account without my knowledge and put my account in overdraft after I made a dollar purchase at the grocery storeI would have not made a purchase if I had known a unauthorized payment was deducted from my account [redacted] returned my money, but suntrust continued to charge overdraft fees after their investigation that was no fault of mine [redacted] refunded and I had a direct deposit from Social Security for after all this all suntrust refunded me was I'm disabled and can't afford Suntrust to just take my money

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 At no point in time, have I been able to call into Suntrust and get financial information on [redacted] account [redacted] 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 [redacted] 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 [redacted] closed, and no further debt collections be pursued under my nameAction has to be followed up with [redacted] , 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 [redacted] 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 usedI will accept or optionsI am also requesting a copy of this check that was deposited into [redacted] account ARefund BMy name be cleared of anything outstanding and owed in reference to [redacted] account Thank you Regards, [redacted]

Dear Ms [redacted] : We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding the late receipt of your rent payment you made when using our Online Banking with Bill Pay serviceWe appreciate the opportunity to respondYou indicated that your rent payment was to be delivered on April 3, 2015; however, the check was not received by your landlord until April 8, Your landlord charged you a late fee for which you requested reimbursementOur records reflect that your April rent payment was scheduled to be paid by April 3, Since this transaction was to be made with a paper check, we mailed Check on March 31, to ensure receipt by April 3, Because we followed your instructions, we respectfully decline your request for reimbursement of the $late fee charged by [redacted] When you requested the assistance of our Digital Client Services regarding this matter, we contacted [redacted] about the $late feeWe were advised that the due date for the April rent payment was April 1, 2015, They have denied our request to waive the feeMs [redacted] , you are a valued client, and we hope this information is helpful to you, If you need assistance to adjust the schedule date of your rent payment using our Online Banking with Bill Pay service, please contact Bill Pay Customer Assistance at Our representatives will be glad to assist youThank you for banking with SunTrustSincerely, [redacted] Officer Client Advocacy Team

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 belowConsumer Financial Protection Bureau Case [redacted] Revdex.com Case [redacted] Suntrust Commercial Loan loan account ending [redacted] Client Advocacy Team- Diane [redacted] Assistant Vice President [redacted] CEO PO Box Atlanta Georgia 30302- January 25, Dear Mr [redacted] I am writing you regarding a reply from your Client advocacy team dated January 9, 2015, where they responded to my complaint re Suntrust in my letter of November 25, Let me start by thanking you for the kindness of a reply Let me follow by stating that if you consider the response reflective of a “Consumer Advocate” we must have dramatically different definitions of what a consumer advocate doesI saw no advocacy there except the advocacy of Diane [redacted] for the Suntrust BankI was sorely disappointed with her consumer advocacyShe never even picked up the phone to talk to meYou should do better In her response Ms [redacted] stated a partial timeline of events, asking if that addressed my concerns But Ms [redacted] never addressed my concerns at allHer advocacy was that the bank did nothing wrongThat I entered into all transactions willinglyThe fact that they had misled me or enticed me to stay and trust Suntrust because I was a “valued customer” was totally ignoredThe fact that they were unable to deliver on any of my issues was ignored The full set of facts and discussions would lead a reasonable person to another conclusionI have retained correspondence with [redacted] dating from October and I have at least e mails with him on the loan renewal , questions on the rates, the term, the delays in processing, and the inclusion of legal feesI had several face to face meetings and/ or calls with [redacted] and [redacted] I sent several e mails to [redacted] asking about the issues and delaysOther than the first response I received from Mr [redacted] , I got no further responses from himMr [redacted] routinely responded, but was unable to deliverI have e mails with [redacted] , and held several calls with himIf you want copies of any or all I can surely share them Please refer to my prior letter, and Ms [redacted] response, and all your copies of e mails and telephone conversations and see if you can provide some customer service and advocacy that a reasonable “valued client” such as myself might expectThe following are my specific complaints, in case they were not clear to you in my prior correspondenceI hope that Suntrust can address them this time 1) I initiated a loan renewal on my loans, and in particular note [redacted] in October This was months prior to its renewal dateI provided the readily available financial information and data that was available prior to year endI provided financial data on March 12, Why did it take the bank months from the initial contact to renew my loan? This is especially incredulous when Mr [redacted] was able to process my loan request within just days when he was engaged in August No one ever told me anything was missing after my March submission How will you make this right? 2) Since all temporary loan extensions by the bank were incurred by them at current market rates- why were my loan extensions all at the same fixed rate of the underlying notes? That was about points higher than variable interest rates? I was told it was bank policy and asked numerous times why I had to pay those higher rates, and was just told “ because it is the company policy”Why could that policy not be changed or challenged? Use of the current rate instead of the current prime rate cost me and extra $24,at 2.5%How will you make this right? 3) I repeatedly asked for the loans to be renewed together and renewed for an additional and year periodI had numerous assurances on my importance as a customer, and that [redacted] and [redacted] would put forth my requestBy the way, I asked about this for several prior yearsWhy could that not be done? How will you make this right? 4) [redacted] was engaged by the bankers on or about August 7thI provided him all the additional financial information on August the 8thHe indicated the terms of the renewal (which I did not like) on August Why was a similar, speedy renewal not available provided in March rather than August 2014? At about a 2% interest savings on the total loans that cost me an extra $31,in interest between March and DecemberHow will you make this right? 5) Mr [redacted] explained why the renewal was only for year, despite my requests of [redacted] and [redacted] that the loans be renewed for and yearsI had provided personal financials and a personal guarantee indicating a net worth for me and my father in excess of $million, on a total loan value of about $millionWe had never been late on a paymentWhy couldn’t the note be renewed as I had requested? 6) The bank had legal liens against each of my propertiesWhy did they have to restructure the loans and require an additional recording of the loans, when they already had been recorded? I was told that there were title issues with the loanWho had those issues and why? If the bank had issues they should have been responsible to pay the feesTo me this was a renewal, not a new loanThe way the bank approached it made it a new loanWhy do I have to pay for their approach? This cost me over $10,in legal fees How will you make this right? 7) The bank is indicating I had agreed to do just one year, while I shopped the loansWhy was I not given an option to shop the loans without incurring the additional loan fees? I had several banks that had expressed interest I was wrongfully mislead by [redacted] and [redacted] in July that I was a valued customer and they would do what they could to restore my trust in SuntrustI erroneously believed their statements, I believed the bank would be able to meet the and year renewalsWhy is it that when they mislead me, that I am stuck having to pay for the year renewal instead of the bank absorbing the cost? Especially since I had paid an extra 2% interest for over a yearHow will you make this right? Since I am forced to renew elsewhere ( per you advocacy response) I will incur additional legal costs that I could have only incurred once if I had been dealt with honestly and forthrightly? How will you make this right? 8) Why did it take the bank an extra months to close the loan once it was agreed in August? That cost me an extra $13,in interestI was told to expect closing by [redacted] in SeptemberWhy did it take an extra months? How will you make this right? 9) I had numerous default notices from the bank because of delays in processing the loanThe bank should validate that there are no negative credit rating issues as a result of those default noticesHave you done that? How will you make this right? Regards [redacted] [redacted] 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. Suntrust is not doing anything for me. I had the $72 before I filed this complaint. If they value me as a customer, they would give me my money back. However, it appears that Sun Trust values the money they took from me more than me as a customer. Regards, [redacted] ***

We responded to [redacted] by letter on August 13, If you have any questions about our response, please contact [redacted] Sincerely, [redacted] Vice President and Manager Executive Services

Dear Mrs. [redacted] : We have received and reviewed your correspondences forwarded to us from the CFPB and the BBB regarding fraudulent... activity on your above referenced account. We appreciate the opportunity to respond. Our records show that you notified us on October 23, 2015 to dispute three debit card purchases. We set up Case [redacted] for the total of $1,046.60 for the three [redacted] purchases ($211 .79, $416.59 , and $418.22) posting on October 27, 2015. These transactions are shown on your October 31, 2015 statement (copy enclosed). During our initial investigation we determined that no error occurred, and your case was denied as stated in our October 30, 2015 letter (copy enclosed). We reviewed your case again and determined the case was declined in error. The claim was approved, as stated in our November 16, 2015 letter (copy enclosed). Your account was credited $1 ,046.60 on November 13, 2015 (copy of your November 30, 2015 statement enclosed). Mrs. [redacted] , we do apologize for any inconvenience this situation may have caused. If you have any questions or concerns regarding your accounts, please do not hesitate to contact us via your Online Banking Profile, call us at 800.SUNTRUST (800.786.8787) or visit any SunTrust branch. Thank you for choosing SunTrust for your financial needs. Sincerely,Cora-S [redacted] ***

Re: Select Checking Account ending in *** Revdex.com (Revdex.com) Case [redacted] 11px;">Dear Mr [redacted] : We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding overdraft fees assessed to the above referenced accountI appreciate the opportunity to respond Our records show that, on February 16, 2016, your account balance was $Seven items were presented for paymentFive debits totaling $($- T•Mobile, $- [redacted] $- [redacted] , $- [redacted] and $- [redacted] )· were paid, making the available balance $The debits for $to [redacted] and $to [redacted] were paid against insufficient fundsYour account was assessed two $overdraft fees totaling $A $extended overdraft fee was assessed on February 22, when the account was in an overdrawn status for five consecutive business daysBased on this information, we have determined that the overdraft fees charged are validHowever, as a courtesy, we refunded a total of $in overdraft fees ($on February 17, $on February and $on March 1, 2016)I have enclosed a statement for your reviewRegarding 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 cannot be used for other purposes, even though the transaction has not posted against the accountGenerally, 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__.Overview Guides and Disclosures--1oDeposit Account Disclosures)In order to decrease the chances of overdraft fees 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 this service is found on our website (see Personal Banking ~ Checking Account Features~ overdraft Services)Instructions for signing· up for Overdraft Protection and setting up email or mobile alerts are also found on our websiteMr [redacted] , I hope this information is· helpful to youShould you have any additional questions or concerns regarding your account, please 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 Thank you for banking with SunTrustPlease join our movement toward financial confidence at onUp.com Sincerely, Kathy B*** Officer Client Advocacy Office

Dear Mr***: We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding your request to be removed from the obligation to pay the balance owed on the above referenced accountThank you for speaking with me regarding your concerns that your account was not closed as you requested : I appreciate following up with you in writingOur records indicate that you visited our [redacted] Branch on February 22, and requested for the account to be closedAt the time of the request, your account had a negative balanceYou were provided a $extended overdraft fee refund and advised to make a deposit to bring the account to a zero balanceFor this reason, you deposited $to the account (statement enclosed)Your were also told the account could not be closed on the day the deposit was made because the deposit would have to post to your account, and we advised you to contact us again to have the account closed No follow up was made by you, and your account remained open On March 21, 2016, an item from Capital One for $was presented and paid, which caused an overdraft fee of $,to be assessed to your accountIn addition, an extended overdraft fee of $was assessed on March 25, due to the continued negative balanceA monthly maintenance fee of $was assessed on April 11, (statement enclosed)You again contacted us regarding the overdrawn account status, and on April , 2016, we refunded the $maintenance fee and two $overdraft fees (statement enclosed)After a review of the information provided by you and information contained in our records, we have determined no bank error occurredTherefore, the accountholders are responsible for any balance owedThe 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 balanceDoing so may prevent the account from being closed with an owed balance and reported to consumer reporting agenciesMr***, 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 accounts, contact us via your Online Banking Profile or call us at 800.SUNTRUST (800.786.8787)A representative will be glad to assist youSincerely, Kathy B*** Officer Client Advocacy Management Office

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 Kathy B [redacted] Officer, Client Advocacy Office SunTrust Bank Take a step toward financial confidenceJoin the movement at onUp.com [redacted] [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]

Dear [redacted] ***: We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding our prior wire transfer and your request that we transfer $ [redacted] to youWe appreciate the opportunity to respond, We regret that we incorrectly addressed your mother in our previous letter [redacted] *** of [redacted] ***asked that we wire funds from your mother's estate to you, As stated in our letter to you dated March 28,the funds were wired to you converted to Euros as you requestedWe have no record of written instructions from you asking that we send the wire at a certain rateAs you are well aware, rates are subject to change daily [redacted] ***, we stand by the $ [redacted] that was offered to youPlease know that the offer was not an admission of an error, but a courtesyIf you have any other questions, please call [redacted] at [redacted] she will be happy to assist you Sincerely, [redacted] ***

Dear [redacted] ***,Please accept this letter on behalf of SunTrust Merchants Services (“STMS”), in response to [redacted] ***, complaint to the RevDex.com, dated August 26, 2015.Following our investigation into this matter, seemingly the basis of your complaint concerning equipment and service fees assessed against [redacted] STMS account.A review of your account determined that the equipment that was purchased was not compatible with your cellular deviceOn July 15, a credit got $was processed to your accountThis refund was for shipping and handling charges billed to April and months of your monthly processing feesAn additional refund in the amount of $has been processed and will be posted to the checking account in file in the next 3-business daysThis refund it for the additional shipping charges and taxes assessed when replacements were sent.To confirm, [redacted] does not wish to continue this business relationship and the account was closed on June 26, 2015.I trust the foregoing adequately resolves your complaintAs such we will close out file on this matterIf you should require additional clarification, and or have questions regarding the above, please contact SunTrust Merchant Services Customer service at [redacted] .Best Regards, [redacted]