American Summit Inc. DBA Summit Realtors

Dear Ms. [redacted]: We have received and reviewed your correspondences forwarded to us from the C FP B and the Revdex.com regarding payments to your...

above referenced accounts. I appreciate the opportunity to respond. Our investigation into this matter has shown that the payments made to your loan and equity line accounts on April 15, 2016 were not the result of a bank error. Our records show that, on March 28, 2016, you scheduled automatic transfers of $244.49 to your auto loan account and $119.47 to your equity line account via Online Banking, each with a payment date of April 15, 2016. On April 6, 2016, you scheduled further automatic transfers of $250.48 to your auto loan account and $119.47 to your equity line account, again via Online Banking and with payment dates of April 15, 2016. Regrettably, we are unable to reverse these payments because doing so would make each of the accounts past due. 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 additional questions or concerns regarding your account, please do not hesitate t o 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, Seth A. M[redacted] Officer Client Adv ocacy Management Office

Dear Ms. [redacted]: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 letter from our Fraud Assistance Center (copy enclosed). However, our records reflect that, on July 26, 2016, a transaction from [redacted] for [redacted] was credited to your account ([redacted]).Ms. [redacted], should you have any other questions regarding this case, please call our Fraud Assistance Center at [redacted]. A representative will be glad to speak with you.

Revdex.com:
The letter from SunTrust is unresponsive and ignores the
facts I explained in the complaint. 
As I indicated in my complaint, I told Light Stream that I
had intermittent email service.  As a
result, I engaged in numerous conversations with the staff to provide the
information they requested.  I also asked
that the staff inform me of the interest rate by phone when they had completed
their analysis.  In fact, I received a
phone call from [redacted] that the analysis had been completed but was told that
I would have to access the interest rate on the computer.  I ended up taking out a car loan with a
different financial institution that I was dealing with face-to-face and was
able to be more responsive. 
At that point, because of intermittent internet service and
having gone with another bank, I never responded to what I was told by
[redacted] staff was the final information on the loan terms.  Nor was I contacted further about the pending
[redacted] loan application until I was told by email that my loan application
had been rejected.
It is readily verifiable that I had applied for a loan with
another institution at the same time as [redacted], and that I took the loan
out with that bank.  It is unfathomable
that, in these circumstances, I would be told a month later that [redacted] is
rejecting my loan application, and that will be indicated on my credit reports.
Again, SunTrust does not respond to any of this in its reply
letter, and I must reject it.
Regards,
[redacted]

Dear [redacted]:
We have received and reviewed your correspondence forwarded to us by the Revdex.com regarding the status of your above referenced account. Your comments are important to us and were forwarded to the appropriate management area. We appreciate the opportunity to respond. 
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You indicated that you had previously tried unsuccessfully to obtain assistance with payments for the account. After reviewing your situation, we were able to place your account in a one-year hardship plan. The hardship plan will begin in January 2015 after the account is brought current through a three month re-age plan, beginning with the October 2014 payment. Our representative called you to explain this arrangement, to which you agreed and accepted.
[redacted], we are pleased that we were able to provide the assistance you requested. If you have any additional questions, please feel free to contact our Credit Card Services at [redacted]. One of our representatives will be glad to assist you.
Sincerely,
[redacted]
Officer

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.
I have emailed supporting documentation to Revdex.com that clearly shows the issue of Suntrust's reporting.  Suntrust has stated "that they are reportin to the bureaus a closed date of March 2012.  The supporting documentation I have sent identifies the following errors:
         - Paid Chrg 07-13
         - Pymt History:  09-13 1911111....  Signifying a payment was made on Sept 13.
         - Shows a balance on account thru June 2013
         - States "High Balance of $69,500 from 12/2011 to 07/2013
         - Shows date closed 07/10/2013
         - Shows a running balance in the payment history of $63,998
         - Shows last payment 03-01-2012
All of this information is from [redacted] and[redacted].
This incorrect  information is currently preventing us from obtaining a mortgage loan from I-Mortgage.
Regards,
[redacted]

Re: Everyday Checking Account ending in [redacted] Revdex.com (Revdex.com) Case [redacted] Dear Ms. [redacted]: We have received and reviewed your correspondence forwarded to us from the Revdex.com regardlng the unauthorized transaction that was debited from your...

above referenced account on January 22, 2015. We appreciate the opportunity to respond. Thank you for speaking with me about your concerns. We understand that we did not meet your expectations in this situation and regret any inconvenience caused. Your comments are very important to us and were shared with the appropriate management. Our records show that, on January 29, 2015, we set up Case [redacted] when you contacted us to dispute the transactions from [redacted] ($.52 and $980). On January 21, 2015, a credit to your account in the amount of $.52 was received from $krill, Inc. We issued provisional credit for $980 to your account on February 3, 2015. On that same day an electronlc/ACH credit to your account was received from [redacted] 
[redacted] in the amount of $980. As a result of this double credit, the $980 provisional credit was debited from your account on February 4, 2015. With regard to Automated Clearing House (ACH) items, they are considered pre•authorized by the client Therefore, when they are presented to us electronically for payment by a company, they automatically post to the account number that is listed on the electronic transmission(s) sent to us. We honor ACH transactions in agreement with standard banking practices for handling such transactions. For this reason we encourage our clients to view their account transactions and report any discrepancies to SunTrust in a timely manner. The processing of fraud claims is in accordance with our Rules and Regulations For Deposit Accounts, Enclosed are pages 42 and 43 of our Rules for your review_ Our Rules are provided at account opening and on our website suntrust.com (see About Us-Fee Schedules--+ Deposit Account Disclosures). Ms. [redacted], we hope the information provided is helpful to you. If we may be of further assistance, please don't hesitate to call 800.SUNTRUST (800. 786.8787) or visit any SunTrust branch Our representatives will be glad to help you. Sincerely, [redacted] 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.[redacted] advised, "A check was mailed to [redacted] on April 15, 2014."I sent [redacted] from Suntrust a copy of the cashier check Suntrust cashed made out to [redacted] and Suntrust mailing the funds back to [redacted] is noway resolving this matter. We do not have an account with [redacted] and the funds are not [redacted]. It is [redacted]s. This has been going on for 6 months. Suntrust is in violation of the Federal UCC endorsement law. Suntrust needs to either forward the funds to [redacted] asap or we will seek legal actions. 
Regards,
[redacted]

Dear [redacted]We have received and reviewed your correspondence forwarded
to us from the Revdex.com regarding the overdrawn status of the above referenced
account. We appreciate the opportunity to respond.In order to close an account, a zero or positive balance must
exist at the time the request...

is made. However, we have no record of a
requested being made to close the account prior to their being an overdrawn
balance. Because of this, the account has remained open, and any items
presented to the account for payment will be handled in accordance with page 20
of our Rules and regulations for Deposit Account ([redacted]). Our Rules are
provided at account opening and on our website suntrust.com (see about us- fee
schedules-deposit account disclosures).[redacted] should you have any further questions, please feel
free to contact us via your Online Banking Profile, call us at [redacted] or
visit any SunTrust branch. Our representatives will be glad to assist you.[redacted]

Dear [redacted]
We have received and reviewed your correspondence forwarded
to us by the Revdex.com. We appreciated the opportunity to respond.
You indicated that our pervious response to you in our
letter dated May 6, 2014 ([redacted]) was not satisfactory. We reiterate that
when you opened your account you did agree to the rules and regulations which
govern the terms of the account, including our ability to change those rules
and regulations. We provided you adequate notice of the change. We notified you
(on your August 2011 statement) that the accounts were c hanging and a fee
would begin to be changed in November 2011. That gave you a three month time
frame in which to call of you had questions or concerns. Had you reviewed your
statements on the above account, you would also have noticed the monthly
maintenance fees when they began.
[redacted], while we regret your dissatisfaction with our
position, the decision stands. If you have any other concerns, please contact
us at [redacted]. One of our representatives will be glad to assist. Thank you
for banking with SunTrust.
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.
[Provide details of why you are not satisfied with this resolution.]
Regards,
[redacted]

SunTrust was unable and unwilling to assist in verifying a check issued by another financial institution. Each time I called for assistance I was told to call another number. Even when I provided the contact information to obtain verification the service representative refused to assist me. Poor customer service.

[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]

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 [redacted]:
We have received and reviewed your correspondence forwarded
to us by the Revdex.com regarding the above referenced account. We appreciate the
opportunity to respond.
Our records reflect the account was closed with an owned balance
of $745.22...

plus a $30.00 overdraft closing fee of July 5, 2013. On August 8,
2013, you contacted us and explained the circumstances that caused the account to
be overdrawn. We waived the fees that were assessed, and you agreed to pay us
$25.00 a month until the remaining balance was paid. The last payment we received
was $25.00 on September 20, 2013.
[redacted], the current amount owed is $492.79. The account was
referred to Associated Credit Services (ACS) for collections. For questions and
to make payment arrangement, please contact ACS at [redacted]. One of their
representatives will assist you.
Sincerely,
[redacted]

Dear [redacted]:
We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding the above referenced account. We appreciate the opportunity to respond.
You stated a payment you sent in a timely manner was not credited to the above account and you were charged a...

late fee. You further indicated the late fee had been removed but the additional interest accrued from the late crediting of you account had not been adjusted.
[redacted], upon further review of your account, I can confirm that the three finance charges of [redacted], [redacted], and [redacted] (totaling [redacted]) will be waived. You will see this on your next monthly statement. We hope that this information is helpful to you. If you have any other questions or concerns regarding your credit card account, please call [redacted] at [redacted]. One of our representatives will be glad to assist you. Thank you for banking with SunTrust.
Sincerely,
[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.
 
Seth *. M[redacted]

Re: Revdex.com complaint # [redacted] SunTrust has responded to our client but cannot share the response  Verdana; font-size: 11px;">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.
 
Seth *. M[redacted]
Officer - Client Advocacy Management Office

Dear Ms. StevensWe received your correspondence regarding the above referenced case. Because you did not include...

a signed authorization form from the client, we are unable to provide you a copy of our response to the client dated February 19, 2016. Upon receipt of the signed authorization form, we will gladly share a copy of our response with you"r office. Thank you for contacting SunTrust. Sincerely, Kewanna [redacted] Officer Mortgage Escalations Resolution Team

Dear
Mr. [redacted]:We
have received and reviewed your correspondence forwarded to us from the Revdex.com regarding
statement copies you ordered for the above referenced account and the fees
charged for these copies. I appreciate the opportunity to respond.Our
records indicate that, via...

Online Banking on June 17, 2016, you ordered copies of
account statements from October 2014 through March 16, 2016. When ordering
statements online, a disclosure is shown that states, “Statement copies are available for up to 7 years. Fees may apply for each
paper copy ordered. Please refer to our Fee Schedule for specific details.
Delivery may take 5-7 business days. More than 4 copies may require additional
delivery time.” In addition, a link that takes you to our fee schedule discloses
the amount charged for statement copies ($5.00 each). Our fee schedule is
provided at account opening and also found on suntrust.com (see Menu?PERSONAL
BANKING?Banking?Overview Guides and Disclosures?SunTrust Fee Schedules).You mentioned that before ordering the
statements, you were not aware that a fee would be charged. After becoming
aware of the fee, you called SunTrust and attempted to have the request
cancelled. However, we advised that we were unable to stop the request or
refund the fee charged for this service. We show the request was completed, and
you were assessed a $75.00 research (statement) fee on June 24, 2016. After
reviewing your comments, as a courtesy, a refund for half of the assessed fee ([redacted]
was provided. The refund was credited to your account on July 19, 2016
(statements enclosed).Mr.
[redacted], we hope this information is helpful to you. Should you have any
additional questions regarding your account, please do not hesitate to contact
us via your Online Banking Profile or call us at [redacted] A
representative will be glad to assist you. Thank you for choosing SunTrust for
your financial needs.Sincerely,