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American Summit Inc. DBA Summit Realtors Reviews (759)

suntrust has not responded to me There has been no resolution

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: *** *** 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

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

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

Suntrust is not a bank that anyone should do buisness with I am still being hit on my credit report for a propperty that have no ownership of Every legal documentIncludingDocuments sgned by a judge hsve been provided and suntrust has made it clear that they dont recognize any legal documents that would remove ones name from a loan even if the person being effected has no legal rights to the propperty They will do this even when they have not been able to provide original copies of documentation that shows they even have a right to make such negative marks on your credfit report Avoid this bank at all costs

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

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

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

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***
Assistant Vice President - Client Advocacy Office

Dear ** ***We have received and reviewed your correspondence forwarded
to us from the Revdex.com regarding the status of the above referenced accountI
appreciate the opportunity to respond.You mentioned that your account was closed on July 20,
with about $owed to youYour statement
dated July 20, shows your
account was negative $Transactions continued to be presented against
the insufficient balance in the account through September 10, 2010, when we
closed your account with an owed balance of $1,I have *** statements
showing the transactions from June through September 20, for your
reviewBased on this information and that items were presented for payment
against insufficient balances, we have determined that the assessed overdraft
fees are valid and will remain.Your account is currently with the collections agency **
***Should you want to discuss a possible settlement offer, please call **
*** at ***.** ***, we hope the information provided is helpful to you
If we may be of further assistance, please don’t hesitate to call our DDA
Recovery Department at ***A representative will be glad to help you.Sincerely,*** ***

Dear Ms***: We have received and reviewed your correspondences forwarded to us from the Revdex.com and the CFPB regarding the quality of
service you recently received when you contacted us about the balance owed on the above referenced accountI am very sorry to learn that you were a victim of an apparent scam and understand how frustrating a situation like this can beThank you for the opportunity to respond. Your comments are very important to us and were shared with the appropriate management teamSunTrust strives to provide exceptional service with each and every client interaction and we understand that we did not meet these expectations in this situationFor that we apologize. The information you provided helps us to know where emphasis for future training and process improvement efforts should be placedWe learn how and where we can improve from clients like you, taking the time to share your experiences. We show that your account was closed with an owed balance of $1,($1,053.54 plus a $account closed in overdraft fee) on December 18, (statement enclosed)We received and applied your $payment on November 12, In addition, we have credited a total of $to the account as a courtesy because of the difficulties you experienced when inquiring about the balance, which reduced the amount currently owed to $670.54. As a further courtesy, we have requested Early Warning Systems to remove our reporting of the account from your recordsWe have confirmed that we are not reporting the account to any other consumer reporting agencyBecause funds are still owed on the account, we ask that you please send a check or money order for $to bring the account to a zero balance as soon as possibleThis will ensure that the debt does not reflect on your credit file in the futureOur mailing address is: Ms ***, I hope this information is helpful to youShould you have any additional questions regarding your account, please do not hesitate to contact us at 800.SUNTRUST {800.786.8787) or visit any SunTrust branchA representative will be glad to assist you. Sincerely, Seth ** *** Officer Client Advocacy Team

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 belowHi Chris,
Thanks for your response, however that does not answer my question nor fully provide an explanation to my issueIn the attached documents that you have provided further supports my case that your online system has issues. ON Decthe print out you provided (Page of 6), shows that after all the transactions posted plus the *** over draft fees (for the *** and ***) there was still *** left in the account positive balance. So again you charged me overdraft fees and my account was in a positive balance before and after the fees, why?
As I have stated before you online system does not properly update and then blindly charged feesThe reimbursements that have been provided were due to similar errors but unrelated to this issueAs I have grown skeptical of the banking systems accountability I decided to raise the concern to higher levels (Revdex.com) Attached I have additionally provided screen shots from the online system on those dates that support these errorsI am again asking (1) A review of the online system (2) Refund of the *** charged on 12-08-As I have accounts as other financial institutions I do not encounter these situations and are strongly considering moving my accountsAs for the overdraft protection, I removed this option a few years ago due to a breach of my information that left my checking account comprisedThis was not a SunTrust error, so I do not feel comfortable linking my other accounts
I look forward to a prompt 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
[Provide details of why you are not satisfied with this resolution.]
Regards,*** *** Hello here is the prof that I had the money in my account to cover my check and that there is no frauda copy of my bank statement is enclosed and a copy of the check that sun trust sent back to me

Revdex.com:
I have reviewed the 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.SunTrust told you that they responded to me by letter on May 1, They told you that if you have any questions about their response, contact meThis is to inform you that I have not received any letter correspondence from SunTrust dated May 1, The last letter I received from SunTrust was dated April 7, 2015, which it informed me that I was to recevie a temporary credit for $from *** and it will appear on my next statementThis have yet to occur.
I am only due $I did received a credit for $from SunTrustI am still waiting on this $credit to be reflected on my accountThanking you in advance for your assistance in this matterI will keep you informed of the final decision
Regards,
*** * ***

SunTrust has responded to our client by phone and has resolved the concerns raised
Please close this case on your records

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,
*** ***
Suntrust stole my check of $*** which was sent in error by my employer.The employer and me called them several times to return the check and they lied saying the check was returned.I called their retention department which finally admitted they stole my check.I don't have any debt with Suntrust and I want my check of $***.How can they take my check from a closed account without my permission,authorization or signature?

Re: *** *** Revdex.com Case *** We responded to Ms*** by phone on March 19, If you have any questions about our
response, please contact MsMalaney. Sincerely, *** ** *** Vice President and Manager Executive Services

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

Dear ** ***:We have received ad reviewed your correspondence forwarded
to us from the Revdex.com regarding fess assessed to your account referenced above and
the way pending transactions affect your available balanceI appreciate the
opportunity to respond.Our records show that, on September
14, 2015, your beginning
balance was $A pending debit from *** for $reduced your
available balance to $An ATM deposit for $increased your available
balance to $on the same date, nine debit card purchases, totaling
$75.28, were presented for payment against your accountGiven that there were
not enough available funds to cover all of the items, you were charged five
overdraft fees, totaling $190.When you contacted our representative on September 15,
regarding the assessed overdraft fees, you advised her that you were disputing
the $pending *** chargeThe disputed item did affect your available
balance on September 14, and she refunded the $in overdraft fees to your
accountYou also received a disputed credit of $on September 18, 2015,
and it is also reflected on the *** statement.Concerning debit card transaction, 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 mist 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 of
our Rules and Regulations for Deposit AccountsOur Rules are provided at account
opening and on Suntrust.com.I apologize for the processing error that occurred involving
your $cash deposit on September 8, and regret any inconvenience that
may have causedYour account was credited for the deposit on September 9,
Because we were aware of the error, your statement does not reflect any
overdraft fees for September 8, or any processing corrections.** ***, we 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, call us at *** or visit any SunTrust BranchOur representatives
will be glad to help youThank you for banking with SunTrust.Sincerely,*** ***

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