American Summit Inc. DBA Summit Realtors

Revdex.com:
I have reviewed the offer and/or response 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.
[Provide details of why you are not satisfied with this resolution.]
There is no legitimate reason  they can't modifiy the loan since I have proved on the temporary modification,  that I can make the payments. They are just giving me excuses. They would rather take my home instead of helping me save it. I have proved my hardship and proved that at a lower payment I can remain current. 
Agent Vanessa meadow told me not to pay the extra fees. I never received the march 13th letter stating the fee and I want a copy of this letter sent to me. Why did they do a BPO valuation twice? they had the information and did it a second time and charged me more.
I am making regular payments and I see no reason why they can't inform me of my new payments starting Sept 1st. They are not giving me advance notice and setting me up to fail and lose my home.
Regards,
[redacted]

Revdex.com:
I have reviewed the offer and/or response 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.I am not satisfied at all with this outcome . In no way did they ever try to help me get this mess solved. They continue to lie and tell me all was well and it resulted in overdrafts and water and electric being cut off because they would tell me the steps I needed to take to get the merchants to stop taking money from my account. This money is from my husband who passed away two years ago from pancreatic cancer. It is to support my son and myself. It's all we have its his SSI! I know I might keep saying that but in the end they (Suntrust)made over $2500-3000 in insuffesunt funds alone over my husbands death and left me and my son not knowing what we were going to do. I called everyday. Then I talk to Kathy [redacted] she tells me a simple NO I won't be receiving one dime back ! I ask to speak to the President of the Bank! Do I not have that right? He has my money! She gAve me a false number just to get me off the phone! I have never in my life seen such greed and disrespect and lack of compassion in my life! I hate what this world had came to! You are stealing from a widow and a child! We all will answer one day for what we do here on earth! I mean it blows my mind. All I wanted is what was ours. I don't plan on giving up!
Regards,
[redacted]

Dear Ms[redacted]: We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding the level of service you received when you notified us that your above
"">referenced check card had been lostWe apologize for the lack of communication that occurred in this situation and regret any inconvenience you experienced. Please be assured your comments are important to us and were forwarded to the appropriate management areaThe information you provided us helps us to know where the emphasis for future training and process improvement efforts should be placedWe learn how we can improve from clients like you who choose to share their experiences. If you incurred a fee for having your new check card shipped to your sister's house in Michigan, please send a copy of the receipt to my attention at the address on this letterheadWe will reimburse you for this fee. We show the address we have on file for you is different than the one you provided to the Revdex.comTo update your address, you may access your Online Banking Profile, call 800.SUNTRUST [redacted] or visit any SunTrust officeOur representatives will be glad to help you. Ms[redacted], we appreciate your loyalty over the past years and ask that you allow us the opportunity to regain your confidenceWhen you have questions or concerns about your accounts, please do not hesitate to contact us_ Sincerely, [redacted] Officer Client Advocacy Team Copy to: Revdex.com

We responded to [redacted] by letter on October 7, 2014. If you have any questions about our response, please contact [redacted].
Sincerely,
[redacted]
Vice President and Manager
Executive Services

Went to open an account and they were short staff so just gave my information and sign signature card and when I returned my papers were lost. Asked to speak to someone above branch and was told there was no one.

Dear Ms[redacted]: We have received and reviewed your correspondences forwarded to us from the Revdex.com and the CFPB regarding transactions from [redacted] and our reporting of the account
"">referenced above on your credit fileOnce again, I appreciate the opportunity to respond. As explained in my last response to you (copy enclosed), our records show that this account was closed on July 24, with an outstanding balance of $($229.68 plus a $administrative fee)The·reporting is accurate, and the debt is currently being · collected by Regional Adjustment Bureau (RAB) on behalf of SunTrustYou also mentioned that transactions from [redacted] were sent to SunTrust in error, and we suggested that you contact [redacted] to resolve this issue. In your correspondence you stated you were promised refundsAs a courtesy, the branch representative you spoke with on July 2, refunded three $overdraft fees to your account (statement copies enclosed)I have spoken with a representative of our Demand Deposit Account (ODA) Recovery Department on your behalfWe are willing to accept a settlement of $($true Joss plus $which represents half of the fees owed)Upon receipt of this payment, we will waive the remaining $balanc~ due and report your account as paid in full. Ms[redacted], we hope the information provided is helpful to youIf you would like to make payment arrangements, please call our DOA Recovery Department at or visit any SunTrust branchOur representatives will be glad to help you. Sincerely, Sherry RF[redacted] Vice President Client Advocacy Office

I
have spoken with Mr. [redacted] and resolved his concerns to his total and
complete satisfaction.  We have agreed
to his terms, repaired his vehicle, and I have apologized for any and all of
the miscommunication.  I have asked Mr.
[redacted] for his permission to close this concern...

as satisfied, and he has
agreed.
 
 


















[redacted]
[redacted]
Director
of Operations
Nelson Automotive Group

October 27, 2016 [redacted] 
[redacted] 
[redacted] Re:...

Everyday Checking Account ending in Revdex.com (Revdex.com) Case [redacted] Dear Mr. [redacted]: We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding unauthorized charges on your above referenced account. We appreciate the opportunity to respond. Our records show that, on October 10, 2016, you responded to our notification regarding unusual debit card activity on your account. At that time, Fraud Case [redacted] was established. The October 14, 2016 letter from our Fraud Assistance Center (copy enclosed) notified you that the account was credited $447.51 on October 13, 2016 for the unauthorized transactions (statement copy enclosed). You requested compensation for inconvenience and your time. We respectfully decline your request for compensation. It is unfortunate that you were the apparent victim of fraud. For this reason, we recommend that you review your account statement for accuracy each month or more frequently via your Online Banking Profile and contact us immediately if you see any discrepancies on your account. We can then investigate and take the necessary actions to resolve any issues with those discrepancies. You may also visit suntrust.com for useful information about protection against fraudulent activity (see Fraud & Security-Report Fraud-Protect & Prevent). [redacted] October 27, 2016 Page 2 Mr. [redacted], I understand this type of situation can be difficult, and I regret any frustration you experienced. Should you have any questions about your case, please call our Fraud Assistance Center at 800.447.8994. A representative will be glad to speak with you. Sincerely,Sherry R. F[redacted]

Dear [redacted]We have received and reviewed your correspondence forwarded
to us from the Revdex.com regarding an overdraft fee on the above referenced account.
We appreciate the opportunity to respond.Our records show that, On July 7, 2016, your account had a
balance of $262.96.However, two...

transactions were pending (USPS Change of
Address for $[redacted] and [redacted] for [redacted]) reducing your available balance to
$212.65. Five items totaling $217.96 were presented for payment against this available
balance, and the account was assessed one $36.00 overdraft fee. Based on this information,
we have determined that these fees are valid. As a courtesy, we refunded a
[redacted] Monthly Maintenance fee to your account on July 11, 2016. We respectfully
decline the request for additional refunds. The direct deposit of $663.41 was posted
to your account on July 8, 2016.The posting order of your items is in accordance with our
Rules and Regulations for Deposit Account. Enclosed is page 17 of our Rules for
your review. Our Rules are provided at account opening and on suntrust.com see
(Menu-PERSONAL BANKING-Banking-Overview Guides and Disclosures-Deposit Account Disclosures).
Also, regarding debit card purchases, once a debit card transaction (ATM
withdrawal or purchase) is authorized, a gold is placed on the client’s account
reducing the available balance. Funds 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
account. For this reason, clients must maintain accurate account records noting
all authorized transactions, including pending debit and credits, to determine
their available balance. Detailed information concerning this matter is
included on pages 17 and 18 of our Rules.In order to decrease the chances of this happening again,
please visit suntrust.com, where you will find helpful tips on how to manage
your account and avoid fees. You will also find useful information about over
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.You may also want to set up Overdraft Protection, whereby a protector
account is linked to your transaction account to cover any potential
shortfalls. Detailed information about this service is found on our website. Instructions
for signing up for Overdraft Protection and setting up email or mobile alerts
are also found on our website.Thank you for bringing to our attention the quality of
service you recently received when requesting a refund of the fee. Your comments
are very important to us and were shared with the appropriate management team.
SunTrust strives to provide exceptional service with each and every client
interaction, and we regret that we did not meet these expectations in this
situation.[redacted], I hope this information is helpful to you. Should
you have any additional questions regarding your account, please do not
hesitate to contract us via your Online Banking Profile, call us at [redacted]
or visit any SunTrust branch. A representative will be glad to assist you.
Thank you for choosing SunTrust for your financial needs.

Dear [redacted]:We have received and reviewed your correspondence forwarded
to us from the Revdex.com regarding the repossession of the vehicle used to secure the
above referenced loan account. I appreciated the opportunity to speak with you
about your concerns and provide a response in...

writing.Our records indicate a letter dated May 24, 2016 from our Consumer
Default Department was sent to you advising of our rights to repossess the
collateral for the loan if the past due amount was not paid by June 9, 2016.We also sent a letter dated June 22, 2016 advising that we
had been attempting to contact you by phone; however, we were unsuccessful in
making contact. Consequently, the vehicle was repossessed due to non-payment,
as the recent payments you made were returned to SunTrust for insufficient
funds.When we spoke on June 29, 2016, it was stated that you
wanted to keep the vehicle. An inquiry to our Consumer Default Department
regarding catch up payments to keep the vehicle was made. Unfortunately,
because this was the second time the vehicle had been repossessed, we could only
accept the full account balance due in order to get the vehicle back. You were
advised of this decision when we spoke on June 30, 2016.[redacted], we regret any inconvenience this situation may
have caused. Should you have any questions, please contact our Consumer Default
Department at [redacted]. A representative will be glad to assist you.Sincerely,Kathy B[redacted]

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 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.

Dear Ms. Leach: Thank your for speaking wah me regarding your correspondence forwarded to us from the Revdex.com concerning an unauthorized debit to your above referenced account. I am glad to provide a summary of our conversation. As we discussed, on February 3,...

2014, $350 was debited from your account in error by the [redacted]. On April 11, 2014, you filed a claim, Case [redacted], for that transaction, and provisional credit was provided to the account on April 14, 2014. During that time, the claim was declined by the merchant, and the provisional credit was reversed on April 30, 2014. You filed a rebuttal to the denial, and once again provisional credit in the amount of $350 was applied to your account on May 7, 2014. This time the merchant agreed that there was an error and refunded $350 on May 12, 2014. For this reason, we reversed the May 7, 2014 provisional credit on May 20, 2014. Enclosed are copies of your February, April and May 2014 statements for your review. Due to the understandable confusion caused by the above credits and debits, there remained an account balance of negative $347.42. We sent the account to a collection agency, who contacted you about the account balance that was owed. You responded by sending the amount required to the collection agency. When the agency received your payment, SunTrust had already recalled the account from them; therefore, the agency returned your check. We have since received your February 9, 2015 payment, applied it to the account and reversed all related fees. Because this issue was no fault of yours, we have requested all negative reporting to ChexSystems and Early Warning Systems caused by this matter to be removed. It may take up to 30 days for these consumer reporting agencies to update their files, Ms. Leach, we apologize for any frustration and inconvenience caused by this matter. If you have any other questions or concerns, please feel free to contact me directly at [redacted], Monday through Friday from BAM to 5PM. I will be glad to speak with you. Sincerely, [redacted] Officer Client Advocacy Team

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.
Suntrust Bank makes it a practice to intentionally reorder transactions to gain the most amount of overdraft payments that they can. This overdraft issue occured again this morning, as well as last week where they overdrafted me three times on two charges - and then left availability to overdraft me again on two other charges that are still pending. Last week they overdrafted my account when there was still money available to pay the items posted. They are fradulently holding and reordering transactions in order to gain a large profit in overdrafts. Please see attached documentation that shows that on 09/23/2014 my account was charged a 72.00 overdraft which FORCED my account negative with a remaining balance of -70.98. Mathematics shows that the 72.00 in overdraft fees are what caused this account to go negative. There was no posted charge that overdrafted the account at that time other than the 72.00 in overdraft fees. On 09/30 (yesterday) I was charged 108 in overdraft fees for two tranactions that overdrafted my account a total of -8.93. It was two transactions and yet I was charged three overdraft fees.
Suntrust is intentionally overcharging customers and accounts with reordering of transactions and intentionally holding transactions. Items are not processed based on the date the transactions were made but instead in a reorder when Suntrust feels like it in order to gain excessive fees. Clearly there is a massive ethical breach going on. If I clearly had money in my account and Suntrust still is charging me fees then they are moving things around in order gain a profit. I have begun to pull my entire online banking account and have spent hours working on a month at a time in spreadsheets where it shows that Suntrust is charging excessive fees on unknown transactions and where fees are being charged when money is in the account. Suntrust cannot have it both ways. They cannot hold tranactions, then reorder them, and then reorder them again just to satisfy a profit margin. If there is money in the account to pay a processed tranaction and the overdraft fee is what is making the account negative then there is something clearly wrong. There must be a law that protects the consumer/customer. I get direct deposit every week and for almost a month now Suntrust has taken more than half of my paycheck in fees that dont match up to any transactions. Every transaction I make is online and clearly by the postings you can see that something is not matching up? Where is all my money going and where are they getting these fees from? A bank CANNOT charge an overdraft fee if there is money in the account...that is unethical and incorrect. When the overdraft is what forces the account negative then there is a serious problem. This isnt a one time occurance its an all the time occurance of charging money where it doesnt make sense. This bank is taking money from people who dont have the money to give.
 Regards,
[redacted]

Revdex.com:
I have reviewed the offer and/or response 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.
I filed a dispute of the charge and that is why I was refunded the [redacted]. It was not a courtesy. I have full coverage meaning all charges were to be denied if the money was not in the account. In October I went to the branch to make these changes. When I changed my account type back to my previous type someone changed my option from return all to whatever the default method was. I never authorized this change and had to go back to the branch to get it fixed. The [redacted] charge was never supposed to happen and I filed a dispute for that as well and received credit for that. 
 
Regards,
[redacted]

please close this case. They refunded my fees. 
 
Thank you!

Beware, the worst banking and customer service that I have ever experienced. I tried to transfer money to another checking account of mine. The whole process took almost a week. There were bunch of verification required, including transferring small change first twice, confirming the amount of it etc. After three days of suffering, it was all confirmed and I completed the transaction, only to be told that there was going to be another 2-3 business days to receive it. Another three days later, I got an email from Suntrust informing me that the transaction was unsuccessful and the money (that I needed at this right moment) will be returned to my account in another 3-5 business days. Customer service could not provide me with any answers where my money was, not to mention that they became rude and refused to provide further information based on the fact that I didn't carry my DL # with me (I think this was just a lame excuse for not being able to answer). All this after giving them full SS #s, date of births, etc. Will be closing all my accounts tomorrow. My advice for the rest of you: If you want to bank with an institution that doesn't know where your money is, please select Suntrust, or maybe SunNOtrust. I am done with them!!!

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.
[Provide details of why you are not satisfied with this resolution.]
I am not satisfied with this company resolution because not only did they not take responsibility for there errors in how they charged me they said that they felt there practices were not wrong and would continue to pursue the collection. I still find there practices to be fraudulent none of the bank procedures were followed in how this supposed interest was incurred and I will not pay for something that I was not previously notified that was due.
Regards,
[redacted]

Revdex.com:response 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.
The Business, Suntrust Bank,, did not include a response or an offer to your request just as they did not tell me why my account was closed. They have been heartless. I have been with them for 20 years, I paid off my home mortgage with them. on time. every month. for 17 years. On Thanksgiving my debit card was not accepted anywhere.
I get Direct deposit from [redacted] on the 2nd of the month and they were told this and that I am disabled yet did not care said the account would be closed Nov 30. I finally learned the reason I am being dropped without any reasonable notice is that I disputed some charges which they investigated and found to be valid. Its not because of any fraud or behavior on my part. My life has turned upside down trying to be responsible and not having any outstanding business with the bank It was truly corporate [redacted]. It was them saying, "Yeah, it was bad you were doubled or overcharged ([redacted]) but be a good girl and don't saying anything because we will shut your account. I am disabled. I do not know if I will get a check tomorrow. I have [redacted]. They stress has been unbearable. They have no corporate allegiance to long term customers or any social responsibility towards
Regards,
[redacted]

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.
[Provide details of why you are not satisfied with this resolution.]
Regards,
[redacted]