American Summit Inc. DBA Summit Realtors

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,
*** ***

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.Hello,
The response from Suntrust bank in reference to my vehicle being late May-July is not accurate. Here is a copy of my payment schedule from SuntrustI paid two months in payments on 6/20/14, and again on 9/8/14, There was no need to pick up my vehicle with notifying me, and also charging me all the fees to get the vehicle returned. Please investigate
Thank You,
*** ***
***

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 below
[Provide details of why you are not satisfied with this resolution.]They only refunded overdraft fees, I'm still waiting for more to be refunded
Regards,
*** ***

Dear ** ***:
We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding the hold placed on your the above referenced account on July 29, We appreciate the opportunity to respond
Our records show that you made a Mobile Banking
deposit of $on July 29, and we placed a hold on the fundsSunTrust strives to provide you with the earliest access to your money within the guidelines of sound banking practiceAlthough we may delay the availability of certain funds deposited to your accounts (place a hold on the funds), we strictly adhere to Federal Banking Regulations concerning this matterAs disclosed in our Funds Availability Policy Disclosure for Deposit Accounts, which is provided at account opening and is available on our website suntrust.com (see About Us-Fee Schedules- Funds Availability Policy for Deposit Accounts), longer delays may apply if we believe a check you deposited will not be paidPlease be assured all of our clients' deposited checks may be subject to holdsIf a hold has been placed after a deposit has been made, we do attempt to contact the paying bank to validate the legitimacy of the deposited checkWe verified with the issuer that this item would be returned for non sufficient funds (NSF) and we placed your account in pending for closure
On August 21, I discussed with you your access to funds in your account and the reason for the pending closure statusAs I noted, we failed to follow up on the review of the account closure decision or to have the remaining funds issued to you in a timely mannerWe regret the concerns this causedBased on this information, we reinstated the account, and removed it from the account closure processThe initial deposit was returned and we will waive all fees assessed as a courtesyHowever, we respectfully decline you request for legal costs or attorney fees
** ***, we apologize for an inconvenience you experiencedYour satisfaction is important to us and we ask that you allow us the opportunity to regain your confidenceIf you have any questions or concerns regarding your account, please do not hesitate to contact us via your Online Banking Profile, call us at *** or visit any SunTrust branchA representative will be glad to assist youThank you for banking with SunTrust
Sincerely,
*** *** ***
Officer
Client Advocacy Team

Dear Ms***: We received your correspondence regarding the above referenced caseBecause you ">did not include a signed authorization form from the client, we are unable to provide you a copy of our response to the client dated May 12, Upon receipt of the signed authorization form, we will gladly share a copy of our response with your office. Thank you for contacting SunTrust. Sincerely, Kewanna C*** Officer Mortgage Escalations Resolution Team

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

We have received and reviewed your correspondence forwarded to
us from the Revdex.com regarding overdraft fees that were assessed to your above
referenced accountWe appreciate the opportunity to respond
Concerning debit card transactions, once a debit transaction
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 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 debit transactions, including pending and credits to determine
their available balancesDetailed information concerning this matter is included
on page and of our Rules and Regulations for Deposit Accounts (enclosed)
and on our website ***
On October 30, your account balance was $There
were two items pending for $(*** for $and *** for $112.14),
which reduced your balance to negative $On the same date, Check ***
for $and a debit card purchase from *** for $were presented and
paidSince there were not sufficient funds in the account to pay the items,
your account was assessed a $overdraft fee for each transactionThis left
you with a negative balance of $On October 31, your account
balance was negative $(the transactions for *** *** was no longer
pending though the *** transaction was still pending) when Check *** for
$was presented and paidAs there were not sufficient funds in the
account to pay the item, your account was assessed a $overdraft feeThis
left you with a negative balance of $As a courtesy, on November 17, 2014,
we refunded on $overdraft fee
SunTrust offers two different types of Overdraft Services
for our clients, Overdraft protection and Overdraft Coverage
Overdraft Protection
Allows clients to link their consumers deposit accounts to their other SunTrust
deposit, credit card, or line of credit accounts for the purpose of
transferring necessary funds to cover any shortfalls
Overdraft Coverage
Allows SunTrust to decide whether to pay ATM and everyday
debit card transactions when the available balance is not sufficient to cover
the transactionUnless you specifically request Overdraft Coverage, we will
not be allowed to pay overdrafts and assess fees for those two types of
transactionsPlease note our ability to authorize overdrafts and assess fees
an any other type of transaction is not affected by this coverage
Detailed information concerning these services may be found
on our website suntrust.com see ***Additional information
regarding Overdraft coverage is included on
our Personal Deposit Account Fee Schedule (***), provided at account
opening and on our website (***)
It is important that collected funds be in your account
before authoring debit itemsOverdraft may be prevented by keeping accurate
account records, noting all deposit, check, purchases and electronic
transactions and having funds in your account to cover all items presented for
paymentFor example, the account balance shown on your ATM receipt, online
banking profile or mobile device may not include all outstanding items you
issued on the account, such as checks and other preauthorized debits
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 it compliance with all applicable Fair Banking
and Consumer Protection LawsSunTrust is committed to fairly representing its
products and service 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 allegation of unfair, deceptive, or abusive acts and
practices seriously and do not tolerate these actions from any employee
** ***, we hope the information provided is helpful to you
If 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,
*** ***

I truly do not believe complaint number *** should be closedIt should be reopened because two months after this entire incident I still have not received my $*** back from this bankI would like this case reopened and for the bank to refund my $***Because this entire incident occurred as a result of their negligence they should refund my money and wait for the other bank to give it back to themIt's ridiculous that I have to wait this long and no one is giving updates on when my funds would be returnedI think two months is enough time to receive a credit

December 14, 2016 Revdex.com Serving Central Virginia, Inc. Attn: *** ***
"">Moorefield Park Dr., Ste 300 Richmond, VA 23236 Re: Name: *** ** *** Case Number: *** Revdex.com Case #: *** Dear Ms***: We received your correspondence regarding the above referenced caseBecause you did not include a signed authorization form from Mr***, we are unable to provide you with a copy of our response to Mr*** dated December 14, Upon receipt of the signed authorization form, we will gladly share a copy of our response with your office. Thank you for contacting SunTrust Mortgage, Inc. Sincerely, Wanda H*** Officer Mortgage Escalations Resolution 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 ***, 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,
*** ***

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 below.As I stated in the original complaint, my account was closed due to a negative balance, before this matter had been resolved, and before any credits had been made to my account I appreciate the crediting back of all feesHOWEVER, as part of the resolution to this matter, I'd like for my account to be reopenedIt troubles me that it was closed (with an "account closed in overdraft fee of $30) in the first place
Regards,
*** ***

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 below
[I have not receive an offer on Revdex.com, my email nor has anyone contacted meSo nothing was offered.]
Regards,
*** ***

SunTrust has responded to our client *** *** on 11/25/14in response to Revdex.com complaint ***Below is a summary of our telephoneresponse.Called the client on 11/20/at 9:am and explained tothe client we previously refunded $of the $as courtesy to the client
andI have refunded the remaining $as a courtesyI explained to the client thatthe process of how a pending item is processing and the length of time it cantake for the merchant to process the authorized debit made by the client and itcan take several daysProvided the client with several options on keeping acurrent balance in their account and how to prevent this situation fromhappening againThe client was happy.Please close this case on your records

Dear ** ***
We have received and reviewed your
correspondence forwarded
to us from the Revdex.comWe also received correspondence from the *** that was submitted
by ** *** *** regarding your above referenced accountWe reviewed the Power
of Attorney (POA) that was submitted by ** *** and determined that it was no
sufficient, therefore we are responding to you
Our records reflect that the account was closed with an owed
balance of $7,on October 31, Prior to charging off you were
enrolled in a hardship plan with a commitment to pay $a month for three
monthsYou defaulted on the commitment and were removed from the hardship
planThe account was not sold to a collection agency so it is still reported
under SunTrust Bank
The account has not been with a collection agency since
December You informed the agency that you were going to file bankruptcy
and requested that they not call youIn accordance with your request, we placed
a cease and desist notion on our recordsThis notion will remain in place
until we receive a signed requested from you asking that it be removedPlease be
aware that the notation may prevent and calls or correspondence in the event
there is a problem with a check, payment, or refund
** ***, we hope the information provided is helpful to you
If we may be of further assistance, please don’t hesitate to call our Recovery
Department at ***Our representatives will be glad to help you
Sincerely,
*** ***

November 25, 2016 *** ***
*** *** *** *** **
*** ** *** ">Re: Auto Loan Account ending in Revdex.com (Revdex.com) Case *** Dear Ms***: We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding a payment that was processed incorrectly for the account referenced above. SunTrust strives to provide exceptional service with each and every client interaction, and I regret that we did not fully deliver on that this timeThank you for taking the time to speak with me about your concernsI appreciate the opportunity to explain in writing what happened and the corrective action we have taken to resolve this issue. Our records show that, on August 18, 2016, you visited our *** *** *** and made a cash payment of *** to your accountOn the same day, our teller inadvertently processed another payment for ***We corrected this error by reversing one payment, and on August 30, 2016, we mailed a check for *** payable to *** ***, the joint borrower on the accountUnfortunately, the funds were never received by Mr***. In order to reissue the refund check for ***, we required Mr*** to complete and return a notarized affidavit confirming that he did not receive the official checkAfter we received his completed affidavit, we placed a stop payment on the official check and reissued a replacement Check for *** on November 14, We mailed it to the address on file for Mr*** on November 15, I have enclosed a copy of the payment history for your review. Your comments about your experience are very important to us and were shared with the appropriate managementThe information you provided helps us to know where the emphasis for future training and process improvement efforts should be placed. Ms***, we do apologize for any inconvenience this situation may have causedI hope this information addresses your concernsShould you have any other questions, please call us at 800.SUNTRUST (800.786.8787)A representative will be glad to help you. Sincerely, Kathy B*** Officer Client Advocacy Management Office

Credit card fraud department based in the *** put a block on my card on a vendor that I have purchased products from in the past four years for two purchases on the same day Notification took three days and not done as set up with account Much private data to clear up issue Card reblocked againCall to clear up, unblockedThen blocked Angry calls again Unblocked Then fraud department listed it as stolen lost despite the daily email and phone contact Had to close card account Complaint went to assistant to CEO Told of two employees using system to "play" with their customers Assistant insists that it is just a system error Given name of two employees involved, assistant still insists that it is a system error All transactions but one were under thirty dollars and biggest transaction was under eight hundred dollars and had been cleared and paid off All these transactions were during the ten days post Thanksgiving All were with vendors used for four to ten years All charges were paid off online within hours Had to close the card I am considering moving all credit cards away from Suntrust due to their incompetent fraud department in the *** This will be my second problem in two years with this fraud department for which NO fraud was done, for which was regular use near my home from known vendors

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

We responded to *** by telephone on July 24, There was
no letter sent because the client, with the assistance of the Branch Manager on
*** **, found out that the funds had gone to his *** ** *** accountWhen
making the telephone deposit, he had inadvertently
used the incorrect receiving
institution
If you have any questions, please feel free to contact me at
***I will be glad to speak with youThank you
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: ***
Regards,
*** ***

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 below
[Provide details of why you are not satisfied with this resolution.]
Regards,
*** ***
***
This case was never resolved. There was fraud on my account and all they said was the case was denied. I was also told an email was sent to me about this decision which is totally inaccurate. They also said they would get me a copy of the email which never happenedI thought SunTrust offered protection against fraud? I know they do, so why can't they fix this?
Please help me
Thanks
*** ***
** * *** ***
*** *** ** ***