American Summit Inc. DBA Summit Realtors

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

SunTrust has reeponded to our client but cannot ahare the response with the Revdex.com as no signed third party authorization was received.
"">Please close this case on your records

Please see attached

Dear ** ***,We have received and reviewed your correspondence forwarded
to us from the Revdex.com regarding SunTrust’s decisions to close your above
referenced accountI appreciate the opportunity to respond.The decision to close the account was a business decision
made by SunTrust, as
explained in the September 17, 2015, letter from our Fraud
Rick Management Department (copy ***)As stated in the letter, according to
our Rules and Regulations For Deposit Accounts, which is provided at account
opening and is available on our website suntrust.com (see About Us- Free
Schedules- Deposit Account Disclosures), “the Bank may close your Account at
any time and for any reason or for no reason without advance notice.” (((( are
pages and of our Rules for your review.We placed a “no debit” status on your account to prevent any
debits activity and to allow time for any remaining funds to be collected from
your account during the closing processYour account was closed on September
24, (statement ***.) Official Check *** representing the remaining
account balance was mailed to you on September 28, 2015.*** ***, we hope the information provided is helpful to
youIf you have any questions, please call our Fraud Risk Management
Department at ***A representative will be glad to help youWe wish
you will in your future financial endeavors

Most of the time cannot even login to the account, and customer service is not helpful and outright rudeWhen I called for help they literally hung up on meI do not recommend using their services ever

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 received. Please close this case on your records

Re: Revdex.com Case [redacted] for [redacted] SunTrust Bank has responded to the complalnt flled by Mr[redacted]Since we do
"">not have authorization from Mr[redacted] to share our response with the Revdex.com, we cannot enclose a copyPlease 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

Re: Revdex.com complaint# [redacted] SunTtust 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 (Revdex.com) Case 11134392 Dear Ms[redacted]:
"">We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding a check that was negotiated by SunTrust in errorI am sorry for any inconvenience this matter may have caused you, and I appreciate the opportunity to respond. Our records reflect that we received a claim from [redacted] on January 11, We have responded to [redacted], and they will contact you regarding this matter. MsHeberlie, should you have any questions about this claim, please call [redacted]. Sincerely, Diane [redacted] Assistant Vice President Client Advocacy Office

SunTrust haa 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 [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
"MARGIN: 0in 0in 10pt">Consumer Financial Protection Bureau Case [redacted]
Revdex.com Case [redacted]
Suntrust Commercial Loan loan account ending [redacted]
Client Advocacy Team- Diane [redacted] Assistant Vice President
[redacted] CEO
PO Box
Atlanta Georgia 30302-
January 25,
Dear Mr [redacted]
I am writing you regarding a reply from your Client advocacy team dated January 9, 2015, where they responded to my complaint re Suntrust in my letter of November 25, Let me start by thanking you for the kindness of a reply Let me follow by stating that if you consider the response reflective of a "Consumer Advocate" we must have dramatically different definitions of what a consumer advocate doesI saw no advocacy there except the advocacy of Diane [redacted] for the Suntrust BankI was sorely disappointed with her consumer advocacyShe never even picked up the phone to talk to meYou should do better
In her response Ms [redacted] stated a partial timeline of events, asking if that addressed my concerns. But Ms [redacted] never addressed my concerns at allHer advocacy was that the bank did nothing wrongThat I entered into all transactions willinglyThe fact that they had misled me or enticed me to stay and trust Suntrust because I was a "valued customer" was totally ignoredThe fact that they were unable to deliver on any of my issues was ignored. The full set of facts and discussions would lead a reasonable person to another conclusionI have retained correspondence with [redacted] dating from October and I have at least e mails with him on the loan renewal , questions on the rates, the term, the delays in processing, and the inclusion of legal feesI had several face to face meetings and/ or calls with [redacted] and [redacted]I sent several e mails to [redacted] asking about the issues and delaysOther than the first response I received from Mr [redacted], I got no further responses from himMr [redacted] routinely responded, but was unable to deliverI have e mails with [redacted], and held several calls with himIf you want copies of any or all I can surely share them
Please refer to my prior letter, and Ms [redacted] response, and all your copies of e mails and telephone conversations and see if you can provide some customer service and advocacy that a reasonable "valued client" such as myself might expectThe following are my specific complaints, in case they were not clear to you in my prior correspondenceI hope that Suntrust can address them this time
1) I initiated a loan renewal on my loans, and in particular note [redacted] in October This was months prior to its renewal dateI provided the readily available financial information and data that was available prior to year endI provided financial data on March 12,
Why did it take the bank months from the initial contact to renew my loan? This is especially incredulous when Mr[redacted] was able to process my loan request within just days when he was engaged in August. No one ever told me anything was missing after my March submission How will you make this right?
2) Since all temporary loan extensions by the bank were incurred by them at current market rates- why were my loan extensions all at the same fixed rate of the underlying notes? That was about points higher than variable interest rates? I was told it was bank policy and asked numerous times why I had to pay those higher rates, and was just told " because it is the company policy"Why could that policy not be changed or challenged? Use of the current rate instead of the current prime rate cost me and extra $24,at 2.5%How will you make this right?
3) I repeatedly asked for the loans to be renewed together and renewed for an additional and year periodI had numerous assurances on my importance as a customer, and that [redacted] and [redacted] would put forth my requestBy the way, I asked about this for several prior yearsWhy could that not be done? How will you make this right?
4) [redacted] was engaged by the bankers on or about August 7thI provided him all the additional financial information on August the 8thHe indicated the terms of the renewal (which I did not like) on August Why was a similar, speedy renewal not available provided in March rather than August 2014? At about a 2% interest savings on the total loans that cost me an extra $31,in interest between March and DecemberHow will you make this right?
5) Mr[redacted] explained why the renewal was only for year, despite my requests of [redacted] and [redacted] that the loans be renewed for and yearsI had provided personal financials and a personal guarantee indicating a net worth for me and my father in excess of $million, on a total loan value of about $millionWe had never been late on a paymentWhy couldn't the note be renewed as I had requested?
6) The bank had legal liens against each of my propertiesWhy did they have to restructure the loans and require an additional recording of the loans, when they already had been recorded? I was told that there were title issues with the loanWho had those issues and why? If the bank had issues they should have been responsible to pay the feesTo me this was a renewal, not a new loanThe way the bank approached it made it a new loanWhy do I have to pay for their approach? This cost me over $10,in legal fees. How will you make this right?
7) The bank is indicating I had agreed to do just one year, while I shopped the loansWhy was I not given an option to shop the loans without incurring the additional loan fees? I had several banks that had expressed interest I was wrongfully mislead by [redacted] and [redacted] in July that I was a valued customer and they would do what they could to restore my trust in SuntrustI erroneously believed their statements, I believed the bank would be able to meet the and year renewalsWhy is it that when they mislead me, that I am stuck having to pay for the year renewal instead of the bank absorbing the cost? Especially since I had paid an extra 2% interest for over a yearHow will you make this right? Since I am forced to renew elsewhere ( per you advocacy response) I will incur additional legal costs that I could have only incurred once if I had been dealt with honestly and forthrightly? How will you make this right?
8) Why did it take the bank an extra months to close the loan once it was agreed in August? That cost me an extra $13,in interestI was told to expect closing by [redacted] in SeptemberWhy did it take an extra months? How will you make this right?
9) I had numerous default notices from the bank because of delays in processing the loanThe bank should validate that there are no negative credit rating issues as a result of those default noticesHave you done that? How will you make this right?
Regards
[redacted]
Regards,[redacted]

December 22, 2016 [redacted]
"">Re: Loan Number: Property Address: [redacted] Case Numbers: [redacted] and [redacted] Case Number: [redacted] Revdex.com Case Number: [redacted] Dear Mrand Mrs[redacted]: We have received and reviewed the correspondence that was forwarded to our office from the [redacted]), Revdex.com (Revdex.com) and [redacted] regarding the above referenced loanWe appreciate the opportunity to look into the issue raised and to provide a response to you. At SunTrust, we work hard to provide exceptional service to every client and regret any instance when we fall short of that goalOur records indicate that on August 24, 2016, we disbursed a tax payment to [redacted] in the amount of [redacted]When you contacted us to advise the tax office was still showing your taxes due, the original check was stoppedOn December 16, 2016, we reissued a check in the amount of [redacted] and the check was mailed via [redacted] (tracking [redacted]). We confirmed the payment was delivered on December 19, and the taxes are now paid in fullPlease be advised that SunTrust paid the penalty and interest amount of [redacted]This fee was not paid from your escrow accountWe apologize for any inconvenience this issue may have caused you. Mrand Mrs[redacted], if you have any questions regarding this letter, you may contact our Mortgage Escalations Resolution Team at 855.223.4640, Monday through Friday from a.mto p.mET. Sincerely, Kenya W[redacted] Mortgage Escalations Resolution Team

We contacted the client by phone to ensure that she was aware the matter had already been resolved by the branch by refunding the fees requestedShe acknowledged this fact and thanked us for the call
"margin: 0in 0in 0.0001pt"> Please close this case on your records
Seth AM[redacted]

Wanda H[redacted] SunTrust Mortgage, Inc. [redacted]
[redacted]
[redacted]
[redacted]
"">October 26, 2016 [redacted]
[redacted]
[redacted] Re: Loan Number: Property Address: [redacted] Case Number: [redacted] Revdex.com Case Number: [redacted] Dear Ms[redacted] We have received and reviewed the letter that was forwarded to our office from the RevDex.com regarding the above referenced accountWe appreciate the opportunity to look into the issue raised and to provide a response. Congratulations in paying your loan in fullOur records reflect that on August 18, 2016 we received $329,079.93, which satisfied the total amount dueIn accordance with state compliance deadlines, SunTrust Mortgage, Inchas (days) until November 17, 2016, to send the release of the lien to the county courthouseOnce processed, the release will be part of the official land records and available for future real estate transactions. Your letter indicated that you were unable to close on your Equity Loan until the lien has been releasedTo assist you in closing the Equity loan, we have enclosed a copy of the executed release document that may be presented to your closing agent showing that the lien will be released. If you have any questions regarding this letter, you may contact our Mortgage Escalations Resolution Team at 855.223.4640, Monday through Friday from a.mto p.m., ET. Sincerely, Wanda H[redacted] Officer Mortgage Escalations Resolution Team Enclosures: Including State and Federal Disclosures STMHB cc: [redacted], Revdex.com SunTrust Bank, Member FDIC© SunTrust Banks, IncSunTrust is a federally registered service mark of SunTrust Banks, Inc

Dear Ms[redacted]: We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding the assessment of overdraft fees on our personal deposit accountsWe
"">appreciate the opportunity to respond . In your correspondence, you questioned why you incurred a $overdraft fee for a $purchase that posted to your account on May 8, Our records show on that day, seven items were presented for payment against an overdrawn balanceNo overdraft fees were assessed on the six items under $5.00; however, one $overdraft fee was assessed on the item for $(Goodwill)This fee was assessed in accordance with our Personal Deposit Accounts Fee Schedule (enclosed), which states on page that SunTrust will waive overdraft/returned item fees on transactions that are less than $5.00. For this reason, an item in the amount of $or less would not be subject to this fee while an item in the amount of $or more would be subject to the fee of $The fee schedule is provided at account opening and also found on our website suntrust.com (see About Us~Fee Schedules). On May 22, 2015, as a courtesy, we refunded the $overdraft fee that was assessed on May 8, You will see this credit on the enclosed statement. We want to be sure that you are aware that our website also contains helpful information on how to manage your account and avoid fees (see Banking..,.,.Personal Checking ~Account Features~overdraft Services....-.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 AlertsInstructions for signing up for these services are also found on our website and when using our Online Banking service . As a suggestion, you may want to set up Overdraft Protection, whereby a protector account is linked to your transaction account to cover any shortfallsDetailed information, including any fees, about this service is found on our website (see Banking-Personal Checking-+Account Features---+Overdraft Services). We show your account is set up to accept Overdraft Coverage, which may allow you to make an everyday debit card transaction or ATM withdrawal even when your available balance is not sufficient to cover the transaction; however, you may be charged up to $for each overdrawn itemAs a suggestion, you may want to decline Overdraft Coverage on your account. The account is currently overdrawnBecause of this, we ask that you please make a deposit as soon as possible to bring the account to a positive or zero balanceDoing so may prevent the account from being closed with an owed balance and reported to various consumer reporting agencies. Ms[redacted], we hope this information is helpful to youIf you have any other questions or concerns, please contact us via your Online Banking Profile, call us at 800.SUNTRUST ([redacted]) or visit any SunTrust branchA representative will be glad to assist you. Thank you for banking with SunTrust. Sincerely, [redacted] Officer Client Advocacy Tea

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 received. Please close this case on your records

We responded to Ms[redacted] by letter on May 14, requesting additional information necessary to investigate her complaintClient did not provide needed information and
"">case has been closedIf you have any questions regarding this case, please contact Ms. [redacted]. Sincerely, William RHagen Vice President and Manager Executive Services

Re: Revdex.com complaint# [redacted] ([redacted]) 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
"Times New Roman", serif;">Please close this case on your records