American Summit Inc. DBA Summit Realtors

I've banked with Suntrust for decades, but today I reached my limit with customer service My debit number was stolen last weekend, and I was supposedly issued a new card with the admonition that it takes 3-business days to get to me Well after days and still no card, I called, merely to check I was hung up on TWICE by people after being on hold over a half hour, after I explained what I needed to know: whether or not a card was in the mail to me Sounds SIMPLE, but apparently it wasn't for the two lousy people who hung up So, I tracked down a number for my local branch and they jumped through hoops to get me the information I dislike having to pull people away from their jobs in a branch waiting on customers for what should have been a simple computer lookup

[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,
*** ***

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
William RH***, Group Vice President, Client Advocacy Management Office

Re: *** *** Revdex.com Case *** We responded to Ms*** by letter on April 23, If you have any questions about our
response, please contact Ms***. Sincerely, *** ** *** Vice President and Manager Executive Services

The issue was resolved IMMEDIATELY by my local SunTrust (West Beverly Street, Staunton, VA)They were a pleasure to deal with and PROMPTLY resolved the issue and were very apologeticThey provided SUPERIOR service to me and are an asset to SunTrust!!! The branch manager, ***, is the ONLY reason I will be staying with SunTrust!! She was phenomenal and provided EXCEPTIONAL service!

Dear ** ***:
We have received and reviewed your correspondence forwarded to us from the Revdex.com and your correspondence to SunTrust regarding our request that you close the above reference accountsWe appreciate the opportunity to respond
The decision to close the accounts was a business decision made by SunTrust, as explained in the August 21, letter from ** *** *** of Retail Support Services (copy enclosed)
** ***, the decision has been reviewed by SunTrust senior management and is finalShould you have any questions, please call ** *** *** *** ***She will be glad to help youWe wish you well in your future financial endeavors
Sincerely,
*** ***
Assistant Vice President

Revdex.com:
Suntrust didn't contact me as they claimed in your message!
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,
*** *** Thank you for your assistance in resolving the issue with Suntrust Bank. Based on my September statement, it appears that the matter has been concluded. Should further issues appear, I will contact you. Again, thanks for your support. *** *** *** *** *** ***

[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,
*** *** I do not see a way to respond to you on the web site ? Yes this complaint has been resolved to my satisfaction If I knew how to reply I would haveI will try this methodThank you for your assistance and I thank Suntrust for resolving this complaintRegards
*** ***

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,
*** ***

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

Re: Rosemary *** Revdex.com Case:
We responded to Ms*** by phone on January 2, If you have any questions about our response, please contact Ms***.
Sincerely,
*** ** ***
*** *** *** ***
Executive
Services?

[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,

Dear ** ***We have received and reviewed your correspondence forwarded
to us from the Revdex.com regarding assessed fees on your above referenced accounts
and our reporting of your loan accountThank you for speaking with me about
your concernsI appreciate the opportunity to respond.Your
retails installment sale Contract which you and **
*** *** signed on May 14, 2011, shows that you agreed to make monthly
payments of $beginning June 28, You opened the checking account on
June 22, for deposits to be credited from your military allotment and for
payment to be drafted to pay the loan when you enrolled in SurePay, our automatic
payment Program*** is a copy of your signed authorization dated June 30,
Also *** is a copy of our letter dated July ,confirming the
first payment would be deducted from your checking account in July 2011.Unfortunately, time was not allowed for the military
allotment deposit to be credited before the June 28, paymentThe deposit
must be in the checking account at least hours prior to its withdrawalBecause
we did not receive the June payment by the due date, we assess a $
late fee to the loan accountThe first payment credited to the loan account
was on the July 6, 2011, which satisfied the June 28, paymentThe SurePay
draft was credited to the loan account on July 28, 2011, and returned to the
checking account for non-sufficient funds (NSF) because your *** allotment had
not been receivedA $returned check fee was assessed to the loan account
on that daySurePay drafts were rejected due to non-sufficient funds in the
checking account on August and 31, and no November 9, 2011, with $
returned check fees assessed each timeOn November 9, you were notified
that the SurePay was cancelled due to the returned checks (*** *** ***).*** are copies of the checking account statements for July
through August Also *** is a copy of your payment historyThe loan
history shows the payments were days late times and days late four
timesBased on this information the reporting of the account is accurate.As of the date of this letter, your loan is paid through August
2015, with a partial payment towards the September paymentPlease contact
our Collections Department at *** to make arrangements to bring your
loan current.** ***, we hope the information provided is helpful to
youIf you have any questions or need further assistance, please do not hesitate
to call *** or visit any SunTrust branchOur representatives will be
glad to help you.Sincerely,*** ***

Dear Ms***: We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding fees that were deducted from the above referenced cardsWe appreciate the opportunity to respond . Our records reflect that the cards were ordered
on November 11, As disclosed in the Terms & Conditions and Fee Schedule that were included with the gift cards, they are subject to inactivity and service call fees. An inactivity fee of $per month was charged to each of these cards beginning April 1, and continuing monthly until May 1, There were two purchases made on the card ending in ***, which depleted the balance to zeroThere was one transaction made on the card ending in *** on May 3, 2015, which depleted the balance to zero. These are gift cards and Regulation Z does not applyThe initial card load is considered a transaction for activity purposes, thus begins the inactivity timer. As a courtesywe have refunded the inactivity fees of $to each card The cards are now active. Ms***, if we may be of further assistance, please don't hesitate to call 800.SUNTRUST (800.786.8787)Our representatives will be glad to help you. Sincerely,
*** *** Assistant Vice President Client Advocacy Team

Dear Mrs***: We have received and reviewed your correspondence forwarded to us from the CFPB and the Revdex.com regarding the posting of items and overdraft fees assessed to your
above referenced accountWe appreciate the opportunity to respond. Our records show that, on August 29, 2016, the account had a balance of $1,529.60. However, five items were pending (*** *** Membership for $1.00, *** *** for $8.56, *** for $17.47, *** *** for $and *** for $25.36), reducing the available balance to $1,Twenty-four items totaling $1,761.26 were presented for payment against this available balanceGiven that there were not enough funds to cover all of the items, you were charged six $overdraft fees. Additionally, our records indicate that, between August and September 6, 2016, the account incurred four overdraft feesWe determined that these were all valid fee assessments because, in each instance, there were not enough funds to cover the items posted to your accountAs a courtesy, we refunded two $overdraft fees to your account on September 2, (statement enclosed). The posting order of your items is in accordance with our Rules and Regulations For Deposit AccountsEnclosed is page of our Rules for your reviewOur Rules are provided at account opening and on suntrust.com (see Menu-Personal Checking Accounts-Features and Benefits-Overview Guides and Disclosures-Deposit Account Disclosures). Regarding 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 has not posted against the account. Typically, 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 page of our Rules (enclosed). In 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 alerts. With regard to our Mobile App, this is a tool used to help you with your accountSome of the account activity provided indicates what transactions have been presented for payment, electronic and debit card transactions that may be pending, and the current, available and collected balances on a specific date, to list a fewHowever, outstanding checks are not reflectedWe encourage clients to keep accurate account records, noting all deposits, checks, purchases and electronic transactionsSunTrust acts in accordance with all State and Federal laws and regulations and denies the allegations of wrong doing. You 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 website. Mrs***, 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 800.SUNTRUST (800.786.8787)A representative will be glad to assist you . Sincerely, Sherry RF* Vice President Client Advocacy Management Office

December 29, 2016
*** ***
*** *** *** **
*** ** *** 11px;">Re: Essential Checking Account ending in *** *** Revdex.com (Revdex.com) Case *** Dear Mr***: We have received and reviewed your correspondence forwarded to us from the RevDex.com (Revdex.com) regarding a pending hold placed in error by a merchant you do business withI appreciate the opportunity to respond. Our records show that, on December 12, 2016, *** *** *** *** placed two pending item holds for *** each at 19:and again at 19:Eastern Standard TimeThe purchase for *** was deducted from your above referenced account on December 13, Because the merchant submitted two transactions for authorization, your account balance was affected by the additional pending item hold placed by them, causing a *** overdraft item feeWe refunded this fee to your account on December 14, I have enclosed a statement for your review. Mr***, I regret any inconvenience caused by this matterShould you have any questions, please call us at 800.SUNTRUST (800.786.8787)A representative will be glad to speak with you. Sincerely, Kathy B*** Officer Client Advocacy Management Office

Re: *** *** Revdex.com Case *** We responded to Ms*** by letter on May 27, If you have any questions about our response,
please contact Ms***. Sincerely, *** ** *** Vice President and Manager Executive Services

We responded to ** *** by letter on July 17, If you have any questions about our response, please contact ** ***
Sincerely,
*** * ***
Vice President and Manager
Executive Services