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.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]

[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: [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

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.
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]

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]

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 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·: Revdex.com complalnt # [redacted] SunTrust has responded to our client but cannot share the response with the Revdex.com as no signed...

third party authorization was received.

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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LEGAL DISCLAIMER The information transmitted is intended solely for the individual or entity to which it is addressed and may contain confidential and/or privileged material. Any review, retransmission, dissemination or other use of or taking action in reliance upon this information by persons or entities other than the intended recipient is prohibited. If you have received this email in error please contact the sender and delete the material from any computer. By replying to this e-mail, you consent to SunTrust's monitoring activities of all communication that occurs on SunTrust's systems. SunTrust is a federally registered service mark of SunTrust Banks, Inc.

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.

Dear Mr. [redacted]: We have received and reviewed your correspondence forwarded 10 us from 1he Revdex.com regarding the above referenced accoun1s....

We appreciate the opportunity to respond. SunTrust's [redacted] SkyMlles® Debit Card Program implemented new terms and conditions along with a new program effective July 25, 2015, as outlined In the enclosed Terms and Conditions for [redacted] SkyMl!es® Debit Cards. The new terms and conditions were malled to you prior to the effective date. In addition, the limits were communicated again In January 2016. These changes are In accordance with the Program Changes & Termination section of the SkyMlles Rules & Conditions, located at [redacted].com/membergulde, which disclose that [redacted] and its program partners reserve the right to change program rules, benefits, mileage regulations and fees at any time without notice. The Included Terms and Conditions provide lnforma1lon about how SkyMlles are earned, what are considered qualifying purchases and the monthly cap for SunTrust clients who hold a Signature Advantage account and 1hose who hold other account types. I have also enclosed a copy of our Personal Deposit Accounts Fee Schedule, which provides requirements for our Signature Advan1age account This Information will better assist you wi1h determining what Is required for each se1 of program 1erms. Regrettably, we are unable to honor your request for reimbursement of SkyMlles under the previous terms. Your comments regarding the quality of service you received when Inquiring about this matter are very lmportant to us and were shared with the appropriate management team. SunTrust strives 10 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 .

Re: [redacted] Revdex.com Case [redacted] We responded to Mr. [redacted] by letter on June 2. 2015. If you have any questions about our...

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

We have responded to [redacted] by letter on June 10, 2014.
If you have any questions about our response, please contact [redacted].
Sincerely,
[redacted]

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.

October 14, 2016 [redacted] 
[redacted] 
[redacted] 
[redacted]  Verdana; font-size: 11px;">Re: Revdex.com serving Central Virginia (Revdex.com) Case [redacted] Dear Ms. [redacted]: We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding the quality of service you recently received when you contacted our Loan Recovery Department about a vehicle abandoned at your place of business. Your comments are very important to us and were shared with the appropriate management team. SunTrust strives to provide exceptional service with each and every interaction, and we understand that we did not meet these expectations in this situation. For that we apologize. As referenced in our August 4, 2016 letter (copy enclosed), we are unable to release the vehicle title without a claim of lien being filed with the [redacted] 
[redacted] ([redacted]). Our records do not show that we have been notified by the [redacted] 
[redacted] that a claim of lien has been filed. Because of this, you will need to contact the [redacted] at [redacted] to inquire about the filing procedures. Once we receive the notice of the claim from the [redacted], we will review the matter and respond accordingly. Ms. [redacted], should you have any further questions, please feel free to contact our Loan Recovery Department at [redacted]. A representative will be glad to assist you. Sincerely, Seth A. M[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 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.

September  30, 2016[redacted]...

 **  [redacted]Re: Interest Checking Account ending inRevdex.com (Revdex.com) Case [redacted]Dear Mr. [redacted]:
We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding overdraft fees assessed to the account referenced above. I understand the difficulty this type of situation may cause and appreciate the opportunity to respond.Our records show that, on July 11 through July 18, 2016, the account was assessed eight $36.00 overdraft fees totaling $288 when 10 debits totaling $541.74 paid against an available balance of $205. We do not assess an overdraft fee when items for less than $5.00 are paid. Because you opted in for Overdraft Coverage, the account continued to have debit activity with some items being paid and fees assessed until the account became positive on August 1, 2016 when a Direct Deposit for $1,447.71 was credited.We have determined the fees assessed to your account are valid and will remain. However, as a courtesy, $36.00 was refunded on September 12, 2016. Because there was no bank error, we respectfully decline your request for additional fee refunds. I have enclosed statement copies for your review. SunTrust acts in accordance with all State and Federal laws and regulations  and denies the allegations  of wrong doing.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 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 Menu-Personal Checking Accounts-Features and Benefits-Overdraft Services). Instructions for signing up for Overdraft Protection and setting up email or mobile alerts are also found on our website.
 [redacted] September  30, 2016Page 2Mr. [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 or call us at 800.SUNTRUST (800.786.8787). A representative will be glad to assist you.Sincerely,Kathy B[redacted]