American Summit Inc. DBA Summit Realtors

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...

attaches page 24 of their conditions and nowhere there is mentioned that we would be charged $ 100.
Regards,
[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

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 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

We responded to [redacted]  by letter on September 24, 2014. If you have any questions about our response, please contact [redacted].
Sincerely,
[redacted]
Vice President and Manager

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]

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: [redacted] Revdex.com Case [redacted] We responded to Mr. [redacted] by letter on April 14, 2015. If you have any questions about our response,...

please contact Mr. [redacted]. Sincerely, [redacted] Vice President and Manager Executive Services

We have received and reviewed your correspondence forwarded
to us from the Revdex.com regarding the balance owed on your above referenced account.
We appreciate the opportunity to respond.Your Motor Vehicle Retail Instalment Sale Contract with you
signed on June 7, 2014 shows that you agreed to make...

72 monthly payments of
#383.97, beginning July 22, 2014 ([redacted]). The payment information in the
Contract is based in the assumption that all payments are made in the due date
for the scheduled amount due. If your payment is made before or after the due
date, exceeds or is less than the amount due or it any fees are assessed, the
amount owed and how the funds are applied will change.As stated in the contract, this is a simple interest loan,
meaning that when a payment is received it is applied first to any fees and interest
owed, with the remainder of the payments applied to principal. In addition, if
your payment does not reach us by the due date, interest continues to accrue on
the unpaid balance.Our records reflect that the vehicle was reported as a total
loss on March 24, 2015. The balance owed at that time was $21,171.24. Because
we did not received your scheduled march 22, 2015 payment, a late fee of $18.96
was assessed on April 6, 2015. We received an insurance check for $13,100 on
April 14, 2015, and on May 5, 2015 we received a warranty check for $1,013.38.
Both of these checks were applied as principal payments.We did not received your April 22, 2015 payment; therefore,
on May 7, 2015 a late fee of $19.20 was assessed. On May 26, 2015 a Gap
Insurance check for $6,134.43 was received and applied as a principal payment.
A late fee of $19.20 was assessed on June 8, 2015 since we did not received a
May 2015 payment. On June 11, 2015, another insurance check for $545.63 was
received and applied as a principal payment. As a courtesy, on June 15, 2015,
we waived the late fee of March April and May 2015, totaling $57.36. [redacted] for
your review is a copy of your payment history showing these transactions.Currently your account is 97 days delinquent. As of June 26,
2015 the amount owed to SunTrust is 5501.32, which represents principal of $263.26
and interest of $238.06. The per diem is $0.0421215.Our records show that payments were reported as 1X30 days
late, 1X60 days late and 1x90 days later. While we understand your concerns,
SunTrust bank has an obligation to provide accurate and complete information
regarding all customer accounts to the major credit reporting agencies. Given
that your loan was delinquent, we are obligated to report your loan
accordingly. Based on this obligation, we are unable to remove the delinquent
reporting of your loan.If you have not already done so, you may dispute the
reporting directly with the consumer reporting agencies, and also add a
consumer statement to your credit file. In the consumer statement, you may
explain the reasons for reporting, and any creditor or potential creditor will
see your consumer statement when they access you credit file.[redacted], we hope the information provided is
helpful to you. If we may be of further assistance, please don’t hesitate to
call [redacted]. A representative will be glad to help you.

SunTrust has responded to our client but cannot share our response with the Revdex.com as no authorization form 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]
I do not think providing this info will resolve the issue. suntrust has the info and look and investigate on their end if they choose to acknowledge the problem.

Dear [redacted]
We have received and reviewed your correspondence forwarded
to us from the Revdex.com regarding the status of our report to the Early Warning
System (EWS) of your fraud claim for the above referenced account. We appreciate
the opportunity to respond.
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Our records show that the above accounts were only reported
internally and we removed that information on November 14, 2014. It takes 72
hours before EWS is updated. EWS records were updated November 18, 2014. Please
understand that while we are not aware of any, other external negative
reporting could have been made from another financial institution within the
EWS network.
[redacted], re regret that you were not satisfied with the
service you received when you contacted us about the status of this matter. Please
be assured your comments were forwarded to the appropriate management area. If
we may be further assistance, please don’t hesitate to call [redacted]
or visit any SunTrust branch. Our representative will be glad to help you.
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.
 
Haywood L. B[redacted]
Officer
Wholesale Client Advocacy Research & Resolution Team
 
[redacted] [redacted]
 
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SunTrust has responded to our client but cannot share our response with the Revdex.com as no signed third party authorization form 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.

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 in your records.

SunTrust has responded to our client but cannot share our response with the Revdex.com as no signed third party authorization was received. 
Please close this case on your records.

[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]

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.

This bank in HARRISBURG, NC has given us the worst mortgage experience ever. Took over 6 months,when it should have been 30 days. Over 8 people involved and the DECEAT IN THE CONTRACT. Adding money to our contract we didn't sign off on, at the end of this mess. WATCH THEM/ READ IT CLOSE/ BRING ALL PAPER WORK WITH YOU. The bank uses a third party and the communications between third party and bank is HORRIBLE. We would have gone somewhere else but we paid for the appraisal and other charges. [redacted] and [redacted], Revdex.com, [redacted] will help you in your banking decisions. I do not recommend SunTrust.