American Summit DBA Summit Realtors

Dear [redacted] We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding the status of our report to the Early Warning System (EWS) of your fraud claim for the above referenced accountWe appreciate the opportunity to respond /> Our records show that the above accounts were only reported internally and we removed that information on November 14, It takes hours before EWS is updatedEWS records were updated November 18, Please understand that while we are not aware of any, other external negative reporting could have been made from another financial institution within the EWS network [redacted] ***, re regret that you were not satisfied with the service you received when you contacted us about the status of this matterPlease be assured your comments were forwarded to the appropriate management areaIf we may be further assistance, please don’t hesitate to call [redacted] or visit any SunTrust branchOur representative will be glad to help you 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 [Provide details of why you are not satisfied with this resolution.] Regards, [redacted]

SunTrust has responded to our client with a breakdown of the overdraft fees and method as to avoid such fees in the futureWe waived $ of the overdraft fees Please close this case on 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]

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.This is the same responbusiness give everytimeIt is not genuine and does not resolve the issueIt is a copy and paste letterThey can do a lot better than thisIts a sad excuse for excuse ethics in the business Regards, [redacted]

December 15, [redacted] [redacted] *** [redacted] Re: Everyday Checking Account ending in Revdex.com serving Central Virginia (Revdex.com) Case [redacted] Dear Mrs [redacted] : We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding pending debit card transactions and an overdraft fee assessed to the above referenced accountWe appreciate the opportunity to respondOnce 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 accountTypically, 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 Menu -> Personal Checking Accounts -> Features and Benefits -> Overview Guides and Disclosures-> Deposit Account Disclosures)Our records show that, on November 23, 2016, your account balance was [redacted] Three pending items totaling [redacted] reduced your available balance to [redacted] It was against this available balance that one transaction of [redacted] from [redacted] was presented and paid from your accountBecause this item paid against insufficient funds, one [redacted] overdraft fee was assessed to the account (statement enclosed)Based on this information, we have determined that the assessed overdraft fee is valid and will remainIn 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 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 websiteMrs [redacted] , although this may not be the answer you expected, I hope the information about avoiding overdraft fees is helpful to youIf you have any questions regarding your account, please do not hesitate to contact us via your Online Banking Profile or call us at 800.SUNTRUST (800.786.8787)A representative will be glad to assist youSincerely, Seth *M*** Officer Client Advocacy Management Office

The online banking portal reads "temporarily unavailable" over sixty percent of the timeI am basing this estimate over + login attempts at various times spanning the last monthsThe issue is not temporary but rather cronic in natureTwo separate contacts to Suntrust describing this issue have been in vain

Please see attached

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 sure what the reply means, it says it was resolved but they could not provide the resolutionThis issue has still not been resolved by Suntrust so I'm not sure why they are trying to get this closed out Regards, [redacted]

[redacted] ***We have received and reviewed your most recent correspondences forwarded to us from the CFPB and the Revdex.com regarding the SunTrust [redacted] Promotional OfferWe appreciate the opportunity to respondAs stated in our August 11, letter (copy [redacted] ), our records show that our branch teammate enrolled you in the promotional offer on July 11, However, you are currently in the United States as a Non-Resident AlienUnfortunately, the promotion Terms And Conditions (copy [redacted] ) state that this offer is only available to U.Sresidents with a U.Saddress For this reason, we regret that you are not eligible to receive the reward[redacted] if you have any new information concerning your case, please don’t hesitate to contact us via your Online Banking Profile or call us at [redacted] Our representatives will be glad to help you

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 belowAccording to the document that Sun Trust has submitted to address my complaint ,they issued a check for $dated 7/26/that was attached to the review if escrow overage There was no check attached to this documentI called to Sun Trust on Aug and spoke at length with Juron M [redacted] of Sun Trust to ask about the inconsistency of the numbersI also told him that I never received a check for this amountHe said that he would follow up to find if the check was ever issued and mailed to me and to verify if it was ever cashedI waited for his response but I was never contacted by himI called Sun Trust on Aug and spoke with Nicole H [redacted] , Yacunda P***, Rene R [redacted] None of our conversations was able to resolve my questions about the refund check I called again on Aug and spoke with Juron M [redacted] I asked to speak with his supervisor but he said that she was unavailable and he had no information about he re-issuance of the check after he checked to see if it had been cashedThat is when I decided to file a complaint that was based on the run around that I was getting from different Sun Trust representatives Until this check is reissued and delivered to me I will consider this complain unresolved 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 attaches page of their conditions and nowhere there is mentioned that we would be charged $ Regards, [redacted]

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.Suntrust has finally given me a reason that they denied my fraud claim; however, I still did not receive documentation of how they came up with this decision I requested this documentation initially on July 31, when I initially discovered that Suntrust had denied my claim They included the initial letter that was never sent to me, but no documentation of why other than my PIN was used in the fraudulent transactions The bank is still holding me accountable for fraud against me, even though they advertise that my debit card has 0% fraud liability I am not a criminal, and it is unacceptable for Suntrust to treat me like I am After I received Suntrust's response, I spoke to the detective from the [redacted] that was working on my case He has reopened the case and resumed communication with the bank investigator It seems that Suntrust does not understand that PINs can be compromised just as debit card numbers can The detective mentioned that he has had this issue with the investigator from Suntrust before 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

We responded to [redacted] by letter on February 12, If you have any questions about our response, please contact [redacted] *** Sincerely, [redacted] ***

Re: Revdex.com complaint# [redacted] Ms [redacted] SunTrust has responded to our client but cannot share the response with the Revdex.com as no signed third party authorization waa 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 [Provide details of why you are not satisfied with this resolution.] Regards, [redacted]

We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding your request to close the above referenced accountYour comments are very important to us and were shared with the appropriate management teamI appreciate the opportunity to respond.SunTrust strives to provide exceptional service with each and every client interaction, and we understand that we did not meet these expectations in this situationAlthough we found no record of your previous requests to close the account, I sincerely apologize for any inconvenience this matter has caused you Our records reflect that the account was closed on September 8, and you will receive a check for $(credit balance)The $fee is for the cost of recording the release of the lienThis fee is disclosed on pages and of the Access Equity Line Account Agreement And Disclosure Statement under Settlement Charges/Closing Costs (copy [redacted] ).Mr ***, if you have any other questions about this account, please call us at [redacted] A representative will be glad to help you

Re: Revdex.com complaint [redacted] ***We responded to [redacted] complaint by telephone[redacted] called for the payoff amount in his accountHe wasgiven incorrect information regarding the payoff amount and the amount he sentwas wrong.SunTrust accepted he short payoff amount and contributed theremainder of the payoff amount due to bank error.We reported the loan paid in fullThe client was glad

We responded to [redacted] by letter on October 21, If you have any questions about our response, please contact [redacted] *** Sincerely, [redacted] Vice President and Manager Executive Services