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.
The facts presented are not accurate because I did contact the bank more than once but got no where so I made sure I contacted the bank where I could make a screen print that could prove my attempts to address the unauthorized ACH charges but to no avail. Furthermore, I only opened the account so I could acquire an automatic deposit and the branch ([redacted]) assured me that [redacted] did automatic deposits (payroll) and that SunTrust would NOT charge me any monthly service fees. Unfortunately, SunTrust was not accurate...[redacted] did not do payroll auto deposits for all employees. So, I went to close my account and the Bank told me I could NOT close the account due to negative balance whereupon I inquired how? It was then that I was informed that unauthorized charges had hit my account...and I told SunTrust they were not authorized and they continued to allow additional unauthorized charges and added additional overdraft fees and would still not close my account so they could add these additonal overdraft fees and unauthorized charges. SunTrust was certainly NOT following best business practices.
Once again, SunTrust needs to reverse these charges and remove their negative reporting they place against me on the credit file in question. I will contact the department suggested by Diane E[redacted] and make another attempt to resolve this issue,  but this complaint needs remain active until SunTrust actually fixes the problem, NOT just because they make a response that merely makes more attempts to stall and/or sweep the issue under the carpet.
Sincerest Regards,
Regards,
[redacted]

December 14, 2016 [redacted] 
[redacted] 
[redacted]  11px;">Re: Essential Checking Account ending in Essential Checking Account ending in Revdex.com (Revdex.com) Case [redacted] Dear Ms. [redacted]: We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding the [redacted] deduction made from your account ending in on November 29, 2016. We appreciate the opportunity to respond to you. Our records indicate this deduction was applied to the balance owed on your account ending in , held jointly with Ms. [redacted]. Given that the account was not brought to a positive balance, we needed to collect the sufficient funds on the overdrawn balance (statement copies enclosed). The ability to collect these funds is in accordance with our Rules and Regulations for Deposit Accounts. Enclosed is page 29 of our Rules for your review. Our 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). Our records also show that, on November 30, 2016, you contacted our Fraud Risk Management Department concerning the deduction to your account, and Fraud Claim [redacted] was established. We have researched your case again based on the information you provided. Following this review, our decision to decline the case will remain, as explained in the December 8, 2016 letter from our Fraud Assistance Center (copy enclosed). However, if you can provide new or additional information about the claim, you may submit a rebuttal. Upon completion of the rebuttal process, you will receive a written response from our Fraud Assistance Center. SunTrust acts in accordance with all State and Federal laws and regulations and denies the allegations of wrong doing. Unfortunately, the account ending in is currently overdrawn. Given this, we ask that you please make a deposit as soon as possible to bring the account to a positive or zero balance. Doing so may prevent the account from being closed with an owed balance and reported to consumer reporting agencies. Ms. [redacted], I understand the difficulty a situation like this may cause and regret any inconvenience you experienced. Should you have any additional questions or concerns regarding your accounts, please call us at 800.SUNTRUST (800.786.8787). A representative will be glad to assist you. Sincerely, Sherry *. F[redacted] Vice President Client Advocacy Management Office

We have received and reviewed your correspondence to
SunTrust that was also forwarded to us by the...

Revdex.com. We appreciate the
opportunity to response.
Our records reflect the above referenced accounts were open
on April 10, 2014. The  accounts were
reviewed by our Fraud Department and closed on April 24, 2014 and the account
funds were sent to your address of record. The decision to close the accounts
was a business decision made by SunTrust. This is explained on page 2 of our
rules and regulations for deposit history ([redacted]). The Rules can be viewed
in full on our website [redacted] (see about us- fee schedules- deposit account
disclosures).
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 Laws. SunTrust is committed to fairly
representing its products and services and honestly and transparently
disclosing the associated costs and fees. Our goal is to provide value to our
clients, protect their interest, and assist them in selection the products or
services that meet their needs. To 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
needs. We provide comprehensive training to our employees  and perform ongoing monitoring to ensure
compliance with Consumer Protection Laws and Regulations.
[redacted] we hope this information is helpful to you. If you
have any other questions, please call us at [redacted]. One of our
representatives will be glad to assist.

Dear Ms. [redacted]: We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding overdraft fees assessed to...

your above referenced account. I appreciate the opportunity to respond. SunTrust strives to provide exceptional service with each and every client interaction, and we understand that we did not meet these expectations in this situation. For that we apologize. The information you provided helps us to know where emphasis for future training and process improvement efforts should be placed. We learn how and where we can improve from clients like you, taking the time to share your experiences. Our records reflect that, on February 9, 2016, during the time period you stated that you attempted to make a deposit, there were no reported issues with the ATM. As a courtesy, we refunded $72.00 in overdraft fees that you incurred because you were unable to make a deposit. I understand that you were told with proof of the error message that you received, we would be able to refund an additional $72 .00. Since we have not received a copy of the error message, we respectfully decline your request for additional refunds. In order to decrease the chances of overdraft fees, please visit suntrust.com, where you will find helpful tips on how to manage your account and avoid fees (see Banking-. Overview Guides and Disclosures-+ The 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. 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 (see Personal Banking-+Checking Account Features-+ Overdraft Services). Instructions for signing up for Overdraft Protection and setting up email or mobile alerts are also found on our.website. Ms. [redacted], although this may not be the answer you expected, I hope that the information about avoiding overdrafts is helpful to you. Should you have any additional questions or concerns regarding your account, please do not hesitate to contact us via your Online Banking Profile, call us at 800.SUNTRUST (800.786.8787) or visit any SunTrust branch. A representative will be glad to assist you. Sincerely, Diane [redacted] Assistant Vice President Client Advocacy Office

We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding SunTrust’s
decision to decline the claim referenced above. I appreciate the opportunity to respond.We have
researched your case again based on the information you provided. Following
this review, our...

decision to decline the case will remain, as explained in the May
31, 2016, letter from our Fraud Assistance Center (copy [redacted]). The rebuttal
was also received and reviewed and as no additional information was provided,
the case remains denied as stated in the August 18, 2016 letter sent to you
(copy [redacted]). In reference
to funds that were transferred from the checking account to the savings
account, this was done to cover the negative balance of $371.04 (see statements [redacted]). The ability to
collect these funds is in accordance with our Rules and Regulations For Deposit Accounts. [redacted] are pages 28 and 29 of our Rules for your
review. Our 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).In addition,
on August 23, 2016, [redacted] overdraft and [redacted] extended overdraft fees were
refunded as a courtesy to your account ending in 4796 (see statement [redacted]).
SunTrust acts in accordance with all State and Federal laws and regulations and
denies the allegations of wrong doing.Ms. [redacted] I
understand this is not the resolution you were seeking from SunTrust and regret
any difficulty this situation may cause. Should you have any questions or new
information regarding this case, please call our Fraud Assistance Center at
[redacted]. A representative will be glad to speak with you.

Dear [redacted]:
We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding the fees assessed to the above referenced account in June and August 2014. We appreciate the opportunity to respond.
In your correspondence you stated you were not...

aware of the fees ($36.00 overdraft fee, $7.00 maintenance fee, and a $30.00 account closed in overdraft fee) because notices were sent to your previous address. We regret the miscommunication that occurred concerning the updating of your current address.
We have waived the fees noted above, totaling $73.00. As a result, the current amount owed to SunTrust is $89.75; this amount represents the overdrawn balance in the account on June 11, 2014.
In addition, we have not reported the account to the check reporting agencies to which we report.
[redacted], if you have any questions about the account or payment arrangements, please call our Demand Deposit Account Recovery and Retention Department at [redacted]. A representative will be glad to help you.
Sincerely,
[redacted]
Assistant Vice President

Re: [redacted] BB Case# [redacted] Client was called on January 81 2016 and informed that the decision to close the  Verdana; font-size: 11px;">account was reversed and the negative reporting was removed. The account is now active and the hold that was placed on the deposited funds was released. Please close this case on your records.

Re: Revdex.com Case# [redacted] Attached is the response that was mailed to the client.  11px;">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 authoriza:tion 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.
The amounts that were charged and the duel balance system that the bank operates, one online and one behind the scenes, seems to be designed to generate overdraft fees to benefit the bank.  The fees charged are $36 each, even one when the account was overdrawn for seven days.  
 
The only resolution to my complaint to the Revdex.com is that all of the overdrafts be refunded to me.  I cleared up the overdrawnbalance condition as soon I was able.  The bank has mistreated me as a customer and instead of protecting my deposited funds stole them from me using a cycle of overdraft charges.  Information provided by the customer service people, documented by the online messages between us, led me to believe I needed to pay the initial returned check.  It was that ATM withdrawal that set the stage for the continuous overdraft charges.
 
Obviously, since the bank is more interested in earning overdraft fees than it is in providing quality banking services, soon many more of their customers will endure a similar treatment as I have.  I surely will share my experiences with Sunbank with many others.  
 
Today, the economy is extremely poor, one exception is the earnings of big banks like Suntrust.  Even with those earnings and the bailouts received from the people, they lust for fee income from those who can least afford to be taken advantage of.  I live on retirement and the money this bank took from me is significant to my budget and survival.  
 
I'm disappointed in the offer; and if this is a norm for Suntrust then for sure, its A+ rating is destined to drop.  Possibly in these times the bank isn't as concerned about its rating with the Revdex.com as it is in taking money from its customers.  I respect the Revdex.com and its efforts to foster a wholesome business environment.  Prior to retiring, I worked with the Revdex.com in [redacted] at my company and respected its work.  
Regards,
[redacted]

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID 11079125, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.To:         Diane EvansCC:        Emilee StevensFrom:    Robert [redacted]Subject: Unfavorable result from  #11079125 complaintDear Diane E[redacted]:   Thank you for your attention and correspondence regarding my complaint.Regretfully I do not agree with your decision to exclude me from the Q3 offer and this is why.   You stated that the information I provided will help Sun Trust understand and put future emphasis on training. Your making my point exactly. You haverecognized that there is a training issue here and I totally agree. At signing Iwas provided only page one of three detailing the "Sun Trust Q3 Checking Offer"    By invitation I visited Branch Manager Debbie G[redacted] (Feb 2/25/16) and discussed thismix up and she assured me that she would request a re-open of this complaint given the conversation and documentation I provided to her in the branch .   Bottom line, I was never (verbaly or in writing) informed nor shown the"1 account per household restriction" until I spoke with Ms. G[redacted]. frankly, had thisbeen corresponded to us we would have certainly chosen a different option.   Isn't it clear that if this was not an internal training soft spot, I would have chosen the $200 account from the jump? Does it make sense that we would elect the lessor offer amount?   Doesn't the bank administer the requirements/exclusions and pass this information on tothe customer? I ask you to put yourself in my place and object fully think about a fair resolution.  What remains outstanding from Sun Trust:  Given the circumstances I feel I should, under an exception, receive the $200 dollars as promised (given I met all the requirements) the day I opened the account alongwith being given paperwork from the 'Sun Trust Q3 Checking Offer' stating a "successful account opening" document.    In closing, I so want to keep my $31,000 + in my Sun Trust savings and checking accounts.Sincerely,[redacted]Complaint # [redacted]Tel: [redacted]

Re: Revdex.com complaint # [redacted] SunTrust has responded to our client [redacted] in response to Revdex.com complaint [redacted]. SunTrust called Mr. Jones on January 28, 2015 and informed that even though the client deposited the same checks into his account ending in[redacted]...

twice (once through mobile banking on 1/9/15 and once through branch on 1/12/15), the mobile deposit was rejected on 1/14/15 due to SunTrust does not accept money orders through our mobile deposit feature and the branch deposit of the money orders was returned on 1/15/15. [redacted] 
[redacted] returned the money orders back to SunTrust as Altered/Counterfeit. We advised the client if he feels the money orders are not counterfeit he should call [redacted] and file a claim as they are the ones who returned them to SunTrust. The client was upset and feels like SunTrust is accusing him of fraud. I assured the client we are not accusing him of fraud but that [redacted] has returned his money orders as Altered/Counterfeit and he will need to resolve it with them. We then informed the client his accounts with Sun Trust are governed by the Rules and Regulations For Deposit Accounts, a copy of which was provided to at account opening and is available on our website suntrust.com (see About Us-Fee Schedules­Deposit Account Disclosures). Our Rules which provide that we may at any time in our discretion, close the Account without advance notice to the Depositor. In accordance with these Rules, and as a result of an account review, we made the decision to discontinue our banking relationship on January 27, 2015 Please close this case on your records.

We responded to [redacted] by letter on October 3, 2014. If you have any questions about our response, please contact [redacted].
Sincerely,
[redacted]
Vice President and Manager

[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 [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [email protected].
Regards,
[redacted]

[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[redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [redacted]
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.
This is the third time that SunTrust has shut down my account. The first time I made a deposit they said it was fraud they held my money for 2 weeks and then said they would keep the account open. I've had direct deposit going in for the last 4 months and there's been no problems. I made another deposit yesterday using my other checking account. And they closed and shut down everything again I don't know what is wrong with this company but I am done
Regards,
[redacted]

Dear [redacted]:We have received and reviewed your correspondence forwarded
to us from the Revdex.com regarding the reporting status of your above referenced
account. I appreciate the opportunity to respond.Our records reflect that your Chapter 7 Bankruptcy was discharged
on May 8, 2013. SunTrust...

is no longer pursuing collections of this debt. As such,
we have requested that [redacted] and [redacted] updated the reporting of this account
as a Chapter 7 Bankruptcy. Please allow these agencies 30 days to update their records.[redacted], we hope the information provided is helpful to
you. If you have any questions, please don’t hesitate to call [redacted] or
visit any SunTrust Branch. Our Representatives will be glad to help you.Sincerely,[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.No resolution was offered in this response from Suntrust.  No letter was regarding this complaint was received.  Actually, I received a bill from Suntrust Merchant Services today demanding $169.95 for no stated reason.  
Regards,
[redacted]

Dear [redacted]:
We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding our denial of your above referenced cases. We appreciate the opportunity to respond.
Our records show we set up Case [redacted] on July 6 and Case...

[redacted] on July 12, 2014 when you contacted us to dispute the charges from [redacted] ($602.56).
We reviewed your case again and based on the information you provided, your case was declined, as explained in the July 24, 2014 letter from our Fraud Assistance
Center (copy enclosed).
According to the merchant, [redacted], the purchase_was authorized by the joint account holder, [redacted], on January 24,2014 for travel from Tampa, Florida to England on February 1, 2014. During an audit by the merchant in July, it was noticed that they had not submitted the item for payment. Upon receipt of the transaction from the merchant, on July 7,2014 we debited your account $602.56.
On September 5, 2014 due to a negative balance for an extended period, the account was closed with an amount owed of $314.62. The total amount due is $344.62 which includes a $30.00 fee assessed to accounts closed in overdraft.
Regarding your concern about credit inquiries, our records do not reflect any information about LTD Financial Services, and thus you may want to contact that
company directly.
[redacted], we hope the information contained in this letter will alleviate any further concerns. If you have any questions or need further assistance about the case,
please contact our Fraud Assistance Center at [redacted]. For questions about the closed account, please contact our Demand Deposit Account Recovery and Retention Department at [redacted]. Representatives will be glad to help you.
Sincerely,
[redacted]
Assistant Vice President

We responded to [redacted] by letter on August 12, 2014. If
you have any questions about our response, please contact [redacted].
Sincerely,
[redacted]