American Summit Inc. DBA Summit Realtors

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.

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

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

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 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]

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 .

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.The reason why I am declining is because I received a call within a week prior and was told that I would receive a call from Kathy B[redacted] with Suntrust by today (May 6th) I have still yet to receive that call from that individual.  I did attempt to contact her, went to voicemail and left her a voice message.
Regards,
[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]
the response said they have made contact with me and cannot share with Revdex.com, this is not true only response was an email asking me to phone them which I have not as I want something in writing,  I hereby authorise Suntrust to share the data sent to me with Revdex.com

[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]

Dear [redacted]We have received and reviewed your correspondence forwardedto us from the Revdex.com regarding the closing of your above referenced account. We understandthat we did not meet your expectations in this situation and regret anyinconvenience caused. We appreciate the...

opportunity to respond.We have requested that [redacted] remove thereporting from their records. Please be assured that our comments were shared withthe appropriate management. In addition, we refunded  $84.20 in fees. You will receive underseparate cover a check for that amount.[redacted], we apologize for the concern this matter may havecaused. Should you have any questions, please contact our Demand Deposit AccountRecovery and Retention Department at [redacted]. A representative will be gladto assist you.Sincerely,[redacted]

Re: Revdex.com complaint #[redacted]
SunTrust has responded to our client( [redacted]) but cannot share the response with the Revdex.com as no signed third party authorization was received.
Please close this case in your records.

We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding your request to
close the above referenced account. Your comments are very important to us and were
shared with the appropriate management team. I appreciate the opportunity to...

respond.SunTrust
strives to provide exceptional service with each and every client interaction,
and we understand that we did not meet these expectations in this situation. Although
we found no record of your previous requests to close the account, I sincerely
apologize for any inconvenience this matter has caused you.  Our
records reflect that the account was closed on September 8, 2016 and you will
receive a check for $2.27 (credit balance). The $41.00 fee is for the cost of
recording the release of the lien. This fee is disclosed on pages 4 and 5 of
the Access 3 Equity Line Account
Agreement And Disclosure Statement under Settlement Charges/Closing Costs (copy [redacted]).Mr.
[redacted], if you have any other questions about this account, please call us at
[redacted] A representative will be glad to help you.

My husband and I have had Suntrust for a few years now and haven't really had many issues until this year. They have continuously charged us overdraft fees when we were never in the negative to start with (and that was after everything was posted). We have had success sometimes with them refunding THEIR mistakes however today they charged us 5 overdraft fees when we were positive and have stated that "since we gifted you overdrafts fees from your last call, we are not willing to fix this problem."
Excuse me? You, SUNTRUST, are charging me over draft fees when I AM NOT IN THE NEGATIVE AT ALL, THEREFORE YOU SHOULD BE REFUNDING ME FOR YOUR MISTAKES!!!!! Because of YOUR mistake Suntrust, I am in the negative almost $400 when I shouldn't be negative at all!!!! I hope you get sued just like BOA and Wells Fargo for the fraud you are committing! I'm done with your thieving company.

SunTrust has responded to our client but cannot share the response with Revdex.com as no third party authorization form was received.

October 5, 2016 [redacted] 
[redacted] 
[redacted] 
[redacted] Re: Loan Number: Property Address: [redacted] Case Number: [redacted] Revdex.com Case Number: [redacted] Dear Mr. and Mrs. [redacted]: This letter is in response to correspondence that was forwarded to our office from the Revdex.com (Revdex.com) regarding the above referenced. Thank you for the opportunity to address your concerns. Enclosed is a copy of the Initial Escrow Account Disclosure Statement dated July 26, 2016 for your review. Please notice your overage check number [redacted] in the amount of $493.56 was attached to the bottom of the first page of the escrow statement. On October 3, 2016, you spoke with a manager in the Client Services Department and advised that you had not received the escrow overage check in the amount of $493.56. At that time, the manager placed a stop payment on the check ([redacted]) and requested the check to be reissued. A replacement check was created on October 4, 2016; check number [redacted] in the amount of $493.56. Renee R[redacted] contacted you and advised that the replacement check was mailed and to allow seven to ten business days for the check to be received. Mr. and Mrs. [redacted], we apologize for the delay in reissuing your escrow overage check. If you have any questions concerning the servicing of your account, you may contact the Client Services Department at 800.634.7928, Monday through Friday from 8 a.m. to 8 p.m. or Saturday from 9 a.m. to 3 p.m., ET. If you have any questions regarding this letter, you may contact our Mortgage Escalations Resolution Team at 855.223.4640, Monday through Friday from 8 a.m. to 6 p.m., ET. Sincerely, Wanda H[redacted]
Officer Mortgage Escalations Resolution Team

December 29, 2016 [redacted] 
[redacted] 
[redacted]  font-size: 11px;">Re: Select Checking Account ending in Essential Checking Account ending in [redacted]) Case [redacted] Revdex.com (Revdex.com) Case [redacted] Dear Ms. [redacted]: We have received and reviewed the correspondences forwarded to us from the [redacted] and the Revdex.com regarding overdraft fees assessed on the accounts referenced above. I appreciate the opportunity to respond. You mentioned that you do not have Overdraft Coverage on the accounts above. I have confirmed both accounts do not have the Overdraft Coverage option selected. Overage Coverage is when the bank authorizes/pays a transaction when the client’s available balance is not sufficient to cover that transaction amount. The bank authorizes these types of transactions, at its discretion, at the time of the transaction and may not approve all transactions. Overdraft Coverage applies to ATM and everyday (non-recurring) debit card transactions. This means that any ATM or everyday debit card transactions resulting in an overdraft of your account may be declined at the point of sale. Overdraft Coverage does not apply to checks, payments made via online banking, automatic bill payments, [redacted] debit transactions and recurring debit card transactions. We reviewed your accounts and determined that the overdraft fees were all valid fee assessments because, in each instance, there were not enough funds to cover the items posted to your account and the fees were assessed for items not covered under Overdraft Coverage as outlined above. However, as a courtesy, we refunded one [redacted] overdraft fee to your account ending in on December 14, 2016 (interim statement enclosed). Because no bank error occurred, we respectfully decline your request for a refund of all the overdraft fees assessed on the accounts. Enclosed is a copy of our fee schedule. The fee schedule is provided at account opening and found on suntrust.com (see Menu -> Personal Checking Accounts -> Features and Benefits -> Overview Guides and Disclosures ->SunTrust Fee Schedules). Please note that SunTrust will waive overdraft fees on transactions that are less than $5.00. In order to decrease the chances of this happening again, please visit our website, 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. Ms. [redacted], I hope this information is helpful to you. Should you have any questions, please call us at 800.SUNTRUST (800.786.8787). A representative will be glad to speak with you. Sincerely, Kathy B[redacted] Officer Client Advocacy Management Office

SunTrust has responded to our client [redacted] on September
9, 2014 in response to Revdex.com complaint [redacted]. Below is our response.
9/9/ 14- spoke to the client at [redacted] and immediately
apologized for the  inconvenience he may
have encountered at the...

branch. I informed his that this was sent to senior
management (area manager) and that [redacted] will be coached on telephone etiquette.
[redacted] demanded that [redacted] be moved to another branch. I informed [redacted]
that I cannot discuss disciplinary actions as they are internal so I cannot
guarantee him his suggest will be honored but it has been received and reviewed
by management. [redacted] understood my position but it not happy and will be
closing his accounts.

September 30, 2016 [redacted] 
[redacted] 
[redacted] Re: Essential Checking Account ending in Fraud Claim [redacted] Revdex.com (Revdex.com) Case [redacted]) Cases [redacted] and [redacted]
 Dear Mr. [redacted]: We have received and reviewed your correspondences forwarded to us from the Revdex.com and the [redacted] regarding SunTrust's decision to decline the claim referenced above. Thank you for speaking with me about the claim process. 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 August 5 and September 19, 2016 letters from our Fraud Assistance Center (copies enclosed). As you requested, our Registered Agent in [redacted] is: [redacted] They can be reached at [redacted]. Mr. [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 questions or new information regarding this case, please call our Fraud Assistance Center at 800.447.8994. A representative will be glad to speak with you. 
Sincerely, Kathy B[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.