American Summit Inc. DBA Summit Realtors

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.

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.
 
F. Diane E[redacted]
Assistant Vice President - Client Advocacy Office 
SunTrust Bank | Take a step toward financial confidence. Join the movement at onUp.com.
[redacted]

SunTrust charge me for overdraft fees, that I'm not responsible for. [redacted] took a unauthorized payment out of my account without my knowledge and put my account in overdraft after I made a 21.00 dollar purchase at the grocery store. I would have not made a purchase if I had known a unauthorized payment was deducted from my account. [redacted] returned my money, but suntrust continued to charge overdraft fees after their investigation that was no fault of mine. [redacted] refunded 215.84 and I had a direct deposit from Social Security for 160.00 after all this all suntrust refunded me was 90.00. I'm disabled and can't afford Suntrust to just take my money.

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.]
While I appreciate the concessions made thus far, they are still inadequate to what I was charged.  I was still charged an additional $302 fees over and beyond what was credited.  I must have five additional NSF fees removed or I will be forced to seek legal action.
Regards,
[redacted]

We responded to [redacted] by letter on September 22, 2014. If you have questions about our response, please contact [redacted].
Sincerely,
[redacted]
President and Manager

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]
Item in questioned is Oct. 11th inquiry on my credit report. I did NOT authorize Suntrust to check my credit. I will NOT allow Suntrust to access my credit report again. Remove the inquiry.

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 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.
[Provide details of why you are not satisfied with this resolution.]
Regards,
[redacted]
The third party information was sent off. The information will be resent. At this time we have not heard anything from Suntrust on this matter.

Dear [redacted]:We have received and reviewed your correspondence forwarded
to us from the Revdex.com regarding overdraft fees assessed to your above referenced
account and the order in which we post items to accounts. Thank you for taking
the time to speak with me about these concerns. I appreciate...

the opportunity to
respond.Our records show that, on September 15, 2015, your beginning
account balance was $485.22. There were pending items from [redacted] ($5.22 and
$5.76), [redacted] ($8.33), SQ [redacted] ($13.02), [redacted]
($25.06), [redacted] ($40.00) and [redacted] ($75.36) which reduced
your available balance to $312.57. A credit for $16.00 increased that balance to
$328.57. During processing several items were presented and paid ([redacted] for $466.15, two [redacted] card Online Pmts for $90.00 and $40.00, [redacted] for $33.62, [redacted] for $13.60, [redacted] for $8.01, [redacted] for $8.00, [redacted] for $7.63 and [redacted] for $5.350. Because we
limit the total overdraft fees assessed to six per day, you were assessed six
$36.00 overdraft fees totaling $216. An overdraft transfer credit of $8.01 and
on overdraft transfer fee of $12.50 also posted to the account. After all the
items were processed your end-of-day available balance was negative $564.28.
your account because positive on September 17, 2015 when a direct deposit from
TWE Shared Services for  $1,952.54 was
credit your account. These transactions are reflected on the enclosed
statement. Based on the above
information and that items were presented for payment against insufficient balance,
we have determined that the assessed overdraft fees totaling $108. You also
received a refund totaling $108 on September 30, 2015. At this time no additional
refunds will be available to you.The posting order of your items is in accordance with our
Rules and regulations For Deposits Accounts. [redacted] is page 16 of our Rules for
your review. Our Rules are provided at account opening and no our website suntrust.com
(see about us- fee schedules- deposit account disclosures).Concerning debit card transactions, once a debit transaction
is authorized, a hold 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 transactions 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 debit transactions, including pending and credits to determine their
available balances. Detailed information concerning this matter is found in our
Rules on page 41 ([redacted]).We want to be sure you are aware that our website 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 be setting up Email or Mobile Alerts.[redacted], I understand the difficulty an overdrawn account
can cause and regret the frustration you experienced. I hope the information
provided is helpful to you. If we may be of further assistance, please don’t hesitate
to contact us via your Online Banking Profile, call [redacted] or visit any
SunTrust Branch. Our representatives will be glad to help you. 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.They emailed me to say they were looking into it but never heard back. You can close case since it seems they found a way around Revdex.com complaint process and I will need to continue my efforts with consumer finance bureau
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.

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 has made no further attempt to resolve my issue. The $100 removed from my account by Suntrust has not been returned. 
 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.
I submitted the authorization weeks ago.  I attempted to follow up by emailing the Revdex.com to let them know that my family member made good on the unauthorized purchases, but I still wish to pursue the complaint because frankly I am appalled that SunTrust would actually call me a liar and a thief.  I never received a response. 
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]

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 have received and reviewed your correspondence forwarded
to us from the Revdex.com regarding a no debit status that was placed on your above
referenced account. We understand that we did not meet your expectations in
this situation and regret any inconvenience caused.Our records reflect that due...

to a bank error, on May 22,
2015, a “no debit” status was placed on your account. The hold was removed on
the same date. On May 26, 2015, a “no debit” status was placed on the account
again, upon verification the “no debit” status was removed and the account and
debit card were active. All SunTrust fees assessed due to the error were
refunded on May 27, 2015 (statement copy [redacted]). You mentioned that you were
charged late fees due to the returned checks. If you will provide documentation
of any late fees that were assessed during this period, I will be glad to
review to determine if additional refunds are in order. You can send the
information to me at the above address.The account is currently overdrawn. Because of this, we ask
that you place 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 various consumer reporting agencies.[redacted], we hope the information provided is helpful to you.
If we may be of further assistance, please do not hesitate to contact us via
your Online Banking Profile, call us at [redacted] or visit any
SunTrust Branch. Our representative will be glad to help you.Sincerely,[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.

Attached is the response that was mailed to the client.
 
font-family: Calibri, sans-serif;">Please close this case on your records.
 
 
Seth A. M[redacted]
Officer - Client Advocacy Management Office

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.

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]
[redacted]