American Summit DBA Summit Realtors

Dear Ms [redacted] :We have received and reviewed your correspondence forwarded to us from the Revdex.comregarding overdraft fees assessed to your above referenced accountI appreciate theopportunity to respond.Our records show that, on June 30, 2015; your account had a balance of $ Apending item in the amount of $payable to [redacted] reduced thebalance to $During processing, three debit card items were presented for payment.Purchases from [redacted] for $and [redacted] for $were paid, reducing youravailable balance to $The purchase from [redacted] for $was paid with aninsufficient balance, and a $overdraft fee was assessedYour end-of-day balancewas negative $38.54.On July 2, 2015, the beginning balance was negative $The previously pending itempayable to [redacted] tor $was presented and paid against aninsufficient balance, with a $overdraft fee assessedThe end-of-day balancebecame negative $In addition, on July 7, 2015, an extended overdraft fee of $36.00was assessed since the account remained in a negative status for five consecutivebusiness daysA Direct Deposit on July 8, brought the account to a positive balance(statement copy [redacted] ).Based on this information and that items were presented for payment against insufficientbalances, we have determined that the assessed fees are validHowever, as a courtesy,on July 22, 2015, we refunded $in overdraft charges that will be reflected on yournext statementIn response to your claim that SunTrust bank holds your Direct Deposit, our recordsindicate that the Direct Deposit in the amount of $from the State of Maryland hadan effective date of July 8, This date is determined by the sender, and SunTrustcannot make the funds available to you until the effective date as instructed by thesenderIf you have any questions about your Direct Deposit, please contact that agencyfor additional information.Concerning debit card transactions, once a debit transaction is authorized a hold isplaced on the client's account reducing the available balanceFunds on hold for pendingdebit card transactions cannot be used for other purposes even though the transactionhas not posted against the account.Generally, it can take between two to five business days for debit card transactions to bepresented for payment and permanently post to the accountFor this reason, clients mustmaintain accurate account records noting all authorized debit transactions, includingpending and credits to determine their available balancesDetailed informationconcerning this matter is included on pages and of our Rules and Regulations ForDeposit Accounts ( [redacted] ) and on our website suntrust.com (see About Us-+FeeSchedules-+Deposit Account Disclosures).We want to be sure that you are aware of our website, which contains helpful informationon how to manage your account and avoid fees (see Banking-+ PersonalChecking-+Account Features-+Overdraft Services-+Facts About Banking).As a suggestion, you may want to set up Overdraft Protection, whereby a protectoraccount is linked to your transaction account to cover any shortfallsDetailed information,including any fees, about this service is found on our websiteYou may also monttor youraccount by using our Online Banki.ng service and receive Email or Mobile Alerts when thebalance gets too low or becomes overdrawnInstructions for signing up for these servicesare also found on our website and when using our Online Banking service.Ms [redacted] , we hope the Information provided is helpful to youIf we may be of furtherassistance, please do not hesitate to contact us via your Online Banking Profile, call [redacted] or visit any SunTrust branchOur representatives will beglad to help youThank you for banking with SunTrust

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***

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] Assistant Vice President - 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]

Dear [redacted] ***, We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding an extended overdraft fee that was assessed to your above referenced accountWe appreciate the opportunity to respond When you opened your account you were provided a copy of our Personal Accounts Fee Schedule (copy enclosed) which discloses the extended overdraft feeAn extended overdraft fee is assessed when an account is overdrawn for seven consecutive calendar daysIf the account is positive by the encl of the seventh consecutive day, an extended overdraft fee will not be assessed on the next business dayTo avoid the fee, clients need to bring the balance positive by cut off time on day sevenSunTrust begins counting on the first day the account is overdrawn, keep in mind that weekends and holidays count as part of the seven day countOn September 22, your account balance was negativeIn order to avoid the fee, a deposited needed to be made by cut off time on September 28, Since a deposit was not made, on September 29, the $fee was assessedOur records reflect that, as a courtesy, the fee was refunded on October 14, The extended overdraft fee overdrew your account, which left you with a negative balance of $Therefore, when the transaction for $was presented for payment there were not sufficient funds in the account to pay the item and the account was assessed a $overdraft feeThis left you with a negative balance of $As a courtesy, the overdraft fee was refunded on October 7, In reference to the $maintenance fee that was assessed, please let me explainThere is a $monthly maintenance for the Everyday Checking Account if you do not have a qualifying direct deposit or do not maintain a $minimum daily collected balanceThis is disclosed on the attached Fee ScheduleFor the statement period of August through September 19, you did not meet either of the requirementsOn September 19, 2014,the closing date of your statement period, your account balance was $Since the account balance was less than $7.00, we only debited $for the maintenance fee The credits for the transaction from [redacted] were credited to your account on October 2, ($.01) and October 7, ($13.97)We.regret that your debit cards were not closed when you requestedWe show that all debit cards are now closed [redacted] ***, we hope the information provided is helpful to youIf we may be of further assistance, please don't hesitate to call [redacted] [redacted] or visit any SunTrust branchOur representatives will be glad to help youThank you for banking with SunTrust Sincerely, [redacted] Assistant Vice President Client Advocacy Team

Re: Vehicle Loan Account ending in *** Revdex.com (Revdex.com) Case [redacted] Dear Ms [redacted] : We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding the repossession of the vehicle that secured the above referenced accountWe appreciate the opportunity to respondOur records reflect that your September 2, payment was not received, resulting in each of the payments that followed to be one month lateA copy of your payment history is enclosed for your reviewWe notified you of the possibility of repossession of the vehicle in our letter to you dated December 10, (enclosed)We did not receive the requested amount to bring the account up to date by December 26, as indicate in that letterTherefore, the vehicle was noted for repossession and was taken on January 3, Although we received your payment of $on December 30,2014, the account remained past dueOn January 6, 2015, we received the payoff amount of $3,After the payment was verified, the vehicle was released to you on January 6, The payoff for your loan was processed and satisfied on January 15, 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 RegulationsWe take allegations of unfair, deceptive or abusive acts and practices seriously and do not tolerate these actions from any employeeMs [redacted] , we hope the information provided is helpful to youIf you have any additional questions, please call us at 800,SUNTRUST (800.786.8787) or visit any SunTrust branchOur representatives will be glad to assist youSincerely, [redacted] Officer Client Advocacy Team

September 23, [redacted] [redacted] * [redacted] Re: Vehicle Loan Account ending in *** Revdex.com serving Central Virginia (Revdex.com) Case [redacted] Dear Mr [redacted] : We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding the above referenced accountThank you for notifying us of your concerns and providing us the opportunity to respondOur records show that, according to your Retail Installment Sale Contract (copy enclosed), your first loan payment was due on April 3, 2016, but this payment was returned unpaidYour April payment was not satisfied until May 2, 2016, indicating that you were aware of the payment issuesSubsequent automatic payments that you set up were also returned unpaidWe show that you acknowledged this in your June 3, call to our Online Support DepartmentBecause payments for your account had not been received in a timely manner, calls were made to each of your telephone numbers on file between June and August 11, Additionally, a letter dated June 10, from our Consumer Default Department (copy enclosed) was mailed to your address on file to inform you that the vehicle may be repossessed if a payment of $was not received by June 26, No payment was received, and the vehicle was repossessed on July 7, We received your payment to redeem the vehicle on July 14, A payment history is enclosed for your reviewFor these reasons, we regret that we are unable to comply with your request to remove the reportingIf you have any documentation or written correspondence that you believe would provide evidence that current reporting is inaccurate, please forward it to me at our address noted above or fax it to my attention at We will be glad to review any additional documentation you send us regarding this issueAs of the date of this letter, your account is past due $1,Please make a payment as soon as possible to bring the account current [redacted] September 23, Page Mr [redacted] , I understand this is not the resolution you are seeking from SunTrustIf you have questions about your loan account, please call us at 800.SUNTRUST (800.786.8787)For questions about the credit reporting, you may contact our [redacted] [redacted] Representatives will be glad to assist youSincerely, Seth AM*** Officer Client Advocacy Management Office

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.They emailed me to say they were looking into it but never heard back. You can close case since it seems they found a way around BBB complaint process and I will need to continue my efforts with consumer finance bureau Regards, [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 Sherry *F*

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 Sherry RF [redacted] , Client Advocacy Management Office SunTrust Bank Take a step toward financial confidenceJoin the movement at onUp.com Office: Fax [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]

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.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, [redacted] ***

November 22, [redacted] *** [redacted] *** [redacted] 11px;">Re: Everyday Checking Account ending in *** Revdex.com (Revdex.com) Case [redacted] Dear Ms***: We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding an unauthorized transaction on your above referenced accountWe appreciate the opportunity to respondOur records show that you contacted us on October 31, concerning an unauthorized debit for $from [redacted] ***Fraud Case [redacted] was established at that timeOn November 7, 2016, we approved your claim and credited your account $Also on that day, [redacted] reversed their transaction, and the account was credited an additional $For this reason, on November 9, 2016, we processed a dispute reversal for $(letter copies enclosed)We also show that a payment was presented by [redacted] on November 10, for $Because there were not sufficient funds in the account to cover the transaction, a $overdraft item fee was charged to the accountWe have determined that this fee is validHowever, as a courtesy, the $overdraft item fee was refunded on November 15, (statement copy enclosed)If you have additional questions regarding payments processed by [redacted] ***, we recommend you contact them directlyMs***, I hope this information is helpful to youIf we may be of further assistance, please don't hesitate to contact us via your Online Banking Profile or call us at 800.SUNTRUST (800.786.8787)Our representatives will be glad to help youThank you for banking with SunTrust Sincerely, Sherry RF* Vice President 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

I was with [redacted] Credit Union for yearsI switched to SunTrust because there wasn't a [redacted] in OrlandoMy stepmother raved on and on about SunTrust so I thought I'd give them a try (there was also a branch right across the street from my home which was a plus!) Everything was great at first, until I started to realize that it takes almost a week for transactions to be debited from the account! To make matters worst, the online site gives you two balances which completely screwed me up on two occasionsI went to the gas station, and one of the balances showed $So I only pumped $in gas thinking I'd be okayThe next morning I woke up I had a $overdraft feeWhen I called and asked why the representative told me I was looking at the wrong balance, and only really had about $(She even mentioned something about how it's the MERCHANTS that take their sweet time to take the money [redacted] takes the money IMMEDIATELYAnd Im sure [redacted] are the same everywhereSo it's not the "merchants")So because I went over by a dollar and change I was warranted a $overdraft feeThis past weekend, I made quite a few purchases (with money in the account to cover it), and Monday morning I paid my electronic bill via e-checkI bet you can guess which payment they attempted to debit firstIn case you dont know how SunTrust works, I'll tell youThey took the payment I made Monday morning before any of the payments I'd made the week beforeNow I have FIVE OVERDRAFT FEES TOTALING $What makes it so bad is the fact that I was charged $for smal debits that were like $and $How is that even equivalent? I'm waiting on a call from a supervisor tomorrowHopefully they even return phone calls, but I won't hold my breathIt's a shame that I'd rather deal with a bank that's miles away versus a bank that's walking distance from my front doorDeposits and withdrawals....l'd make that trip to Lakeland, FloridaWorst banking experience everI'm a year old, college student trying to make it on my own without my parents' help$is enough for grocery for the month! It's ridiculous

December 29, [redacted] [redacted] *** [redacted] Re: Select Checking Account ending in Essential Checking Account ending in [redacted] (***) Case [redacted] Revdex.com (Revdex.com) Case [redacted] Dear Ms [redacted] : 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 respondYou mentioned that you do not have Overdraft Coverage on the accounts aboveI have confirmed both accounts do not have the Overdraft Coverage option selectedOverage 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, [redacted] debit transactions and recurring debit card transactionsWe 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 [redacted] 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 $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 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 websiteMs [redacted] , 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 youSincerely, Kathy B*** Officer Client Advocacy Management Office

Re: [redacted] Revdex.com Case [redacted] We responded to Mr [redacted] by letter on April 14, If you have any questions about our response, please contact Mr***Sincerely, [redacted] *** Vice President and Manager Executive Services

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 Seth AM [redacted] Officer - Client Advocacy Management Office I SunTrust Banks, Inc * [redacted] * [redacted] *** * [redacted] ** [redacted] * [redacted] * [redacted] Take a step toward financial confidenceJoin the movement at onUp.com 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

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.] I see that a total of has been credit from 10/ I think it would be fair to bring my account current is for more fees to be credit my neg bal is I iwll put that in when account is credit at least 150-back Regards, [redacted]

Dear Ms***: We have received and reviewed your correspondence foiwarded to us from the Revdex.com regarding the $promotional deposit for your above referenced accountWe appreciate the opportunity to respondThe promotion you referenced was an In-Store-only offer, and all qualifying criteria and requirements had to be met in order to earn the rewardThe criteria and requirements were published and displayed in the branch during the promotion which included language regarding the limit of one reward per householdOur records show that another member of your household applied for and received the offer prior to youTherefore, we regret that we are unable to give the same reward to youYou also mention that you had written to SunTrust's Office of the President but had received no responseOur records indicate that a representative from that office left voicemails for you at [redacted] on May and May 12, After receiving no return call, the representative mailed a letter to the address above requesting that you call him for informationMsHuang, we hope the information contained in this letter will alleviate any further concernsIf you have any questions please don't hesitate to call 800.SUNTRUST (786.8787) or visit any SunTrust branchOur representatives will be glad to help youThank you for banking with SunTrustSincerely, [redacted] *** Officer Client Advocacy Team

[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]

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