American Summit Inc. DBA Summit Realtors

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

We responded to Mr. [redacted] by letter on May 19, 2015. If you have any questions about our response, please contact Mr. [redacted].  11px;">Sincerely, [redacted] Vice President and Manager Executive Services

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 our response with the Revdex.com as no signed third party form was received.
Please close this case your records.

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.

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]

Revdex.com:The...

complaint was resolved and SunTrust returned the overdraft fees to our account after being contacted by the bank again and having our account reviewed by corperate. Thank you for your help in resolving the matter. It is much appreciated. If the company does not perform as promised I can get back to you at: [redacted]
Regards,
[redacted]

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

Dear Mr. [redacted]: We have received and reviewed your correspondence forwarded to us from the CFPB and Revdex.com regarding the posting of items...

and overdraft fees assessed to the account referenced above. We appreciate the opportunity to respond . Our records show that, on December 28, 2015, 13 items, totaling $1,031 .02 were presented for payment against ·a balance of $822.97 in your account. Given that there were not enough funds to cover all of the items, you were charged six overdraft fees. On December 30, 2015, a debit card transaction was paid, causing another $36.00 overdraft fee. The account remained overdrawn for five consecutive business d~ys. For this reason, on January 4, 2016, you were charged an extended overdraft fee of $36.00 (statement enclosed). Based on this information, we have determined that these fees are valid. However, as a courtesy, we refunded three of the fees totaling $108 to your account. This credit will reflect on your next statement. The posting order of your items is in accordance with our Rules and Regulations For Deposit Accounts. Enclosed ar(! pages 16 and 17 of our Rules for your review. Our Rules are provided at account opening and on suntrust.com (see Banking-+Overview Guides and Disclosures-+Deposit Account Disclosures). 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 (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. Mr. [redacted], I hope this information is helpful to you. Should you have any additional questioris 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. Thank you for choosing SunTrust for your financial needs. Sincerely, Sherry [redacted] Vice President Client Advocacy Team

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]

Re: Primary Business Checking Account ending in [redacted] Everyday Checking Account ending in [redacted] Revdex.com (B8B) Case [redacted] Dear Mr. [redacted]: We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding the...

right of offset debited from your above referenced Account 3880. We appreciate the opportunity to respond. Our records show that, from September 15 through November 13,2014, your business account had a negative balance. On November 14,2014, we debited $486.48 from your Account [redacted] and applied the funds to your business account which satisfied the negative balance, and the business account was closed (statement copies enclosed). The right of offset was processed in accordance with our Rules and Regulations for Deposit Accounts, Enclosed are pages 29 and 30 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). You mentioned that you would offer a settlement of $300 for your business account if we reversed the right of offset transaction. We will agree to your offer upon receipt of $300 from you. We will then reopen the business account to reverse the right of offset transaction and apply the credit of $486.48 to Account [redacted]. Once the reversal is completed. the account will be closed. Enclosed for your convenience is an envelope for your use in sending the check to us. If you prefer, you can visit the [redacted] 
[redacted] Branch, and the manager Ms. [redacted] will assist you with this matter. This communication is an attempt to collect a debt and any Information you provide, whether written or verbal. will be used for that purpose. However, if your debt is discharged in bankruptcy or you are protected by the automatic stay in a bankruptcy proceeding. SunTrust recognizes that you may not be liable for this debt and this letter is not an attempt to collect a debt but Is being sent for notice purposes only. Mr. [redacted], we hope the information provided is helpful to you. If we may be of further assistance, please don't hesitate to call Ms. [redacted] at [redacted]. She will be grad to help you. Sincerely, [redacted] [redacted] Client Advocacy Team

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.

Very anti-customer business policies, poorly trained teller and branch manager, policies stated by "call center" personnel contradict policies stated by branch staff, failure to fully disclose depository policies.

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 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 have reviewed the cover sheet explaining the offer was sent to me, the "client" of this case. I have received no such reply or offer from SunTrust and will continue to pursue the case pending the desired outcome of this case. This in no means supports the objectives within this case and has not satisfied the resolve within this problem.
I expect a better response and resolution from SunTrust's executive team. Thank you.
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.
Suntrust has made no further attempt to resolve my issue. The $100 removed from my account by Suntrust has not been returned. 
 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.

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.
[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.