American Summit Inc. DBA Summit Realtors

SunTrust has responded to our client but cannot share the response with Revdex.com as no signed authorization form received.
Please 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
Sherry RF*
Vice President, Client Advocacy Management Office
SunTrust Bank
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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 computer. By replying to this e-mail, you consent to SunTrust's monitoring activities of all communication that occurs on SunTrust's systems. SunTrust is a federally registered service mark of SunTrust Banks, Inc.[ST:XCL]

Dear ** ***:We have received and reviewed your correspondence forwarded to
us from the Revdex.com regarding an unauthorized item that was debited from the above
referenced accountI appreciate the opportunity to respond.Our records do not reflect a debit transaction on May 12,
for
$However, we do show that on May 6, a recurring
transactions from *** for $was debited from your account.The overdraft fees ($108) that you incurred on May 9, 2016,
were not the result of SunTrust paying the aforementioned merchant (***
***)On May 9, 2016, your account balance was $1,On that date,
items totaling $1,were presented to payment and paidHad the credit for
$been issued before June 7, 2016, you would not have incurred the fees
that were assessed on that date and June 9, We have credited your account
$for the overdraft fees that were assessed on those datesYou will see
this credit on your next statement.The posting order of your items is in accordance with our
Rules and regulations for Deposit AccountsEnclosed are pages and of our
Rules for your reviewOur Rules are provided at account opening and on
SunTrust.comAlso you agreed to not overdraft your account when we opened itThis
is discussed on page of our Rules.In reference to 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 had not posted against the account.Generally, 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.** ***, 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 *** ***A
representative will be glad to assist youThank you for choosing SunTrust for
your financial needs.Sincerely,Diane E***

Dear Mr***:We have received and reviewed your correspondence forwarded to us from the Revdex.comregarding the status of your request for a modification for your above referencedaccountWe appreciate the opportunity to respond .We understand that we did not meet your expectations
in this situation and regret anyinconvenience causedPlease be assured your comments concerning this matterwere forwarded to the appropriate management area.Our records reflect that since June 23, we have been working to assist you withyour accountHowever, it appears there was a delay in receiving all documents thatwere required to review your case.• On August 13, 2014, all requested documents were received .• On August 14, 2014, a letter (copy enclosed) was sent confirming that we hadall requested information and that a decision would be made within days todetermine your eligibility for loss mitigation options available.• On August 28, 2014, upon review of all information; it was determined that, dueto the delinquency of your account (days delinquent), we were not able toapprove your request for a znd Lien Principle Reductionrrerm AddendumModification.• On September 4, 2014, a letter (copy enclosed) was mailed to you decliningyour requestA representative also spoke with you on that day to advise you ofthe reason for the declineAt that time you were provided with the contactinformation for the State of Florida Hardest Hit Funds Program to apply forhardship assistance as an alternative.• On January 5, 2015, we received a new request from you for hardshipassistance, and the account was assigned for review.• On January 6, 2015, a Welcome Letter and a letter confirming that we hadreceived your required information were mailed to you (copies enclosed).• On January 7, 2015, you were contacted and advised of the denial of yourrequest and provided the reason for the denial.• On January 8, 2015, a denial letter was mailed to you (copy enclosed).• On January 9, 2015, we requested a review of your account for the DebtExtinguishment ProgramWe were informed that the account was not approvedfor this Program due to the active foreclosure status.• On February 3, 2015, a representative informed you of the decline anddiscussed the decline reason with you.• On March 18, 2015, a letter was mailed to you advising that your property isscheduled to be reviewed for foreclosure referral (copy enclosed).It is SunTrust's policy to offer its banking products and services, including creditproducts, to any qualified applicant in a responsible and non-discriminatory manner,and in compliance with all applicable Fair Banking and Consumer Protection Laws.SunTrust is committed to fairly representing its products and services and honestlyand transparently disclosing the associated costs and feesOur goal is to providevalue to our clients, protect their interests, and assist them in selecting the products orservices that meet their needsTo that end, we scrutinize our disclosures to ensurethat they are clear and understandable; verify that information provided to our clientsis complete and accurate; and listen to our clients' expressed needsWe providecomprehensive training to our employees and perform ongoing monitoring to ensurecompliance with Consumer Protection Laws and Regulations.We take allegations of unfair, deceptive, or abusive acts and practices seriously anddo not tolerate these actions from any employeeMr***, due to the severity of the delinquency of your account, our ConsumerHome Retention Group (CHRG) does not have any hardship solutions to offer you atthis timeIf you have any questions about your account, please call our CHRG at*** A representative will be glad to help you.Sincerely,*** ***Assistant Vice PresidentClient Advocacy Team

Dear Mr***:We have received and reviewed your correspondence forwarded to us from the Revdex.comregarding the error that occurred when you made your monthly mortgage payment at our*** *** *** *** I appreciate the opportunity to respond.Your comments regarding the payment
error are very important to usI understand thatyou spoke with Mr*** *** of our Client Advocacy Group and Mr*** ***,area manager for *** *** *** about this matterI was informed thatwhen Mr *** spoke with you, you advised him that you incurred a number of feesdue to the error and requested a refund of the feesOur records show refunds werecredited to your account on June 25, ($12.50), June 30, ($6.00), and July 16,($and $1250), for a total of $36.02.We understand that we did not meet your expectations in this situation and apologize forany inconvenience caused*** please find a letter that you can provide to U.SBankregarding this incident that was not any fault of yours.Mr***, your satisfaction is important to us, and we ask that you allow us theopportunity to regain your confidenceIf you have any questions or concerns regardingyour account, please do not hesitate to contact us via your Online Banking Profile, call usat *** *** *** or visit your local SunTrust branchA representativewill be glad to assist youThank you for banking with SunTrust.Sincerely,

[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 ***, 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: ***I spoke with *** from Suntrust and he assisted me with the issue and it is now resolvedThank you
Regards,
*** ***

Dear ** ***:
We have received and reviewed your correspondence forward to us from the Revdex.com regarding our denial of your above referenced caseWe appreciate the opportunity to respond
Your comments are very important us and were shared with the appropriate
managementWe understand that we did not meet your expectations in this situation and regret any inconvenience caused
On September 9, the case was reviewed again and the decision was made to honor your claim for $as well as refund the $extended overdraft feeThese transactions will appear on your next monthly statement
** ***, we hope the information provided is helpful to youIf we may be of further assistance, please don't hesitate to call *** (***) or visit any SunTrust branchOur representatives will be glad to help youThank you for banking with SunTrust
Sincerely,
*** ***
Assistant Vice President

Revdex.com:
I have reviewed the offer made by the business in reference to complaint ID ***, 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,
*** ***
NO ONE HAS CONTACTED ME ON THIS MATTER SO NOTHING HAS BEEN SETTLED AND THE PROBLEM IS STILL ON MY ACCOUNT AND EFFECTING MY CREDIT REPORT

In I owned two separate businesses, holding two separate accounts with SunTrust BankOn November 7th, a Sales Rep with SunTrust arrived to my office and informed me of SunTrust Merchant Services The Sales Rep informed me that I will have a year agreement with the Merchant Services and informed me of the card processing fees per transaction, and the monthly fees that would go toward the credit card processing equipmentThe Sales Rep provided me with forms to sign (Merchant Processing Application and Agreement, Payment Processing Charges Agreement, and The Confirmation Page)I signed the forms and the Sales Rep proceeded to set up the accountsWhen my card processing equipment arrived in the mail I received a large packet of documents to with the machineFrom that moment on I was able to use the card reader and the merchant services as normalI used this service over the course of months without any issuesIn March of this year (2016) I closed one of my business checking accounts with SunTrust, as I was going to merge my (2) businesses under one checking account I proceeded to use the credit card processing equipment as (However, I did not use it often as most of my customers pay by written check)I was under the impression that everything with my existing accounts was current and in good order, as I was not informed otherwise by SunTrust or *** ***In June of this year (2016) I received a letter regarding a collection notice from *** ***/Merchant Services for the collection of an ‘Early Termination’ fee of $Upon receiving this notice I contacted the Merchant Services to try to figure out why I was receiving a bill for early terminationThe Representative I spoke to with SunTrust Merchant Services explained that since I was not using the one business account the services were being terminatedI informed the Representative that I did not want to cancel my services, I was only merging my two checking accounts into one checking account and I wanted to continue using my merchant services as normalWe ended the conversation with the understanding that I was not terminating the accountIn August of this year (2016) Following a handful of various exchanges with the Merchant Services I contacted the SunTrust Merchant Services one last time to check on the status of my account, only to find out that I had accrued two delinquent payments from April and May (2016) as well as collection fees and the original Early Termination fee, equaling out to approximately $I, again, explained the situation regarding merging my bank accounts, and my original intent to remain active in my serviceThe Representative proceeded to include an ‘in-house’ collection agent on our telephone conversationAfter discussing the current situation and attempting to relieve this debt I had unknowingly accrued, I began feeling unheard and misunderstood in my intentI ultimately became frustrated and informed both parties on the phone conversation that I now want to terminate all of my accounts and business dealings with SunTrust Merchant ServicesAfter informing them I wanted to cancel my services, the Representative explains to me that they can possibly have the collection fee waived but I still must pay the ‘Early Termination’ fee, but now I also must pay the fee for my 2nd business accountI informed them that I only had a year contract (which would have ended in 2015), as the Sales Rep explained to me when I started, but I was told, in fact, I had a year contract, which I was unaware of I have yet to receive the documentation showing the (year) contract I had signed, even after many attempts to collect this proofI had also attempted to just keep my accounts open until November (2016), the date I was told my term would endMy request was denied via emailI also need to include details regarding the credit card processing equipment (leased through *** ***) as a side noteI have learned that I am in a contract with them for months (I was unaware of this term contract until after the fact)In an attempt to cancel my Merchant accounts I was informed that I must continue to lease the equipment until the end of term (November 2017) or I must pay out the remainder of my term, and only then my account will be cancelledI am confused as to why I am in a months contract with the equipment but have a lesser term with the actual Merchant account, but I have yet to find someone with *** *** or SunTrust Merchant Services who can explain this to meI am writing this, not in an attempt to demean SunTrust Bank as a business, rather I am attempting to discourage all business owners and/or future merchants from using SunTrust’s Merchant Services, which I have discovered is actually partnered with *** *** (and all exchanges are in fact run through them and not SunTrust)I feel robbed of my trust in business affairs through this Bank and their affiliatesI believe SunTrust Merchant/ *** *** has been practicing unfair business and they are unreliable in their customer service skillsI feel saddened that I have to take so much out of my time to stress over the relationship I have had for so long with SunTrust BankAnd after reading multiple reviews for this service I have realized I am not alone, I am not special in this deceitful actI have found that I am simply one in thousands who have had this same experience, and I know I will not be the lastI simply want to end my services with SunTrust Merchant/ *** ***, as I believe they have forced me into a business arrangement by deceitI truly hope SunTrust ends their partnership with *** ***, as they are allowing their faithful customers to be manipulated into contracts without full understanding of what the contracts entailI hope to find a resolution to this issue soon

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear belowNSF fee should be refunded
Regards,
*** ***

[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 ***, 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: ***Regards,
*** ***

September 28, 2016 Revdex.com Serving Central Virginia, Inc. Attn: *** ***
Moorefield Park Dr., Ste 300 Richmond, VA 23236 Re: Borrower's Name: *** *** Case Number: *** Revdex.com Case#: *** Dear Ms***: We received your correspondence regarding the above referenced caseHowever, you did not include a signed authorization form from Mr***Therefore, we are unable to provide you with a copy of our response to Mr*** dated September 28, Upon receipt of the signed authorization form, we will gladly share a copy of our response with your office. Ms***, if you have any questions regarding this letter, you may contact our Mortgage Escalations Resolution Team at ***, Monday through Friday from a.mto p.m., ET. Sincerely, Wanda H*** Officer Mortgage Escalations Resolution Team

Dear ** ***:We have received and reviewed your correspondence forwarded
to us from the Revdex.com regarding the hold placed on a deposit made to the account
referenced aboveWe appreciate the opportunity to respond.SunTrust strives to provide you with the earliest access to
your money within
the guidelines of sound banking practiceAlthough we may
place a hold on specific funds for a short period of time, this is done in
adherence with Federal Banking RegulationsAs disclosed in our Funds Availability
Policy Disclosure For Deposit Account, which is provided at account opening and
also found on our website suntrust.com, longer delays may apply under certain
circumstances.Our records indicate that on May 26, 2016, one check for
$2,and one check for $was deposited to your accountDuring the review
process of the deposit, we determined that a hold needed to be placed on the account
for $2,due to the reasons noted on the Notice of Hold, which was sent to
you on May 27, This Notice of Hold also advised when the funds would be
made availablePlease be assured that all of our clients’ deposited checks may
be subject to these types of hold, and all proper guidelines were followed in
placing the hold on your account for the deposited check.We show that this hold was removed from your account, and you
closed the account on June 3, *** is a copy of the closing debit for
your review.** ***, I hope this information is helpful to youShould
you have any questions, please call us at *** *** ***A representative will
be glad to assist you.Sincerely,

Dear Mr***: We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding disputed charges on your
above referenced accountWe appreciate the opportunity to respond. Our records show we set up Case *** when you contacted us on March 30, to dispute recurring debit card charges from *** *** of $each (totaling $549.45) that posted to your account in and The claim was declined for a full refund because we were not informed of the charges within days from the first statement the disputed charge appearedOn April 2, 2015, we refunded three charges, and your account was credited $(see dispute credit on the enclosed statement). The timeframe for reporting errors involving electronic transactions on your account is explained on page of our Rules and Regulations For Deposit Accounts (enclosed). Our Rules are provided at account opening and on our website suntrust.com (see About Us--+Fee Schedules-tDeposit Account Disclosures). We reviewed your case again and based on the information you provided, your case was declined for a full refund, as explained in the April 3, letter from our Fraud Assistance Center (copy enclosed). Mr***, I understand this is not the resolution you are seeking from SunTrust and regret any frustration this situation has caused youIf you have not already done so, you may want to contact the merchant for additional refundsShould you have any other questions or concerns, please call our Fraud Assistance Center at A representative will be glad to assist you. Sincerely,
*** *** Officer Client Advocacy Team

SunTrust has responded to our client but cannot share the response with Revdex.com as no third party authorization was received.
Please close this case on your records

Re: Revdex.com complaint #***
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

Revdex.com:
I have reviewed the offer made by the business in reference to complaint ID ***, 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: ***My account was not closed and one of the fees reversed
Regards,
*** ***

Re: Revdex.com complaint *** 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

[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 ***, 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: [email protected]
Regards,
*** ***

[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 ***, 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 *** *** ** *** *** ***
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