American Summit Inc. DBA Summit Realtors

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

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.

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.

no its not settled im more furious...

with them by the day they gave temp credit only to steal it back. I really want my money fixed. its costing me loans all sorts of problems. they keep telling me they will send documents I ask where are these documents . now since getting Revdex.com involved they are closing accounts. just shows you the bank im dealing with . maniuplating charges,false advertising  (zero liability) just return my 1800 and charges I occurred cause of it,fix the charges stimming from several charge manipulation incidents,once thats returned im more than happy to cut all ties with this so called financial institute. I mean customer service is so bad they cant tell me anything including deposit limits when asked. had several incidents where they say their investigators well if its their investigators how come I cant talk with them or see proof of these transactions being shipped. they dont have investigators. if you claim zero liability then honor it and return my funds.you are put on wait/hold in excess of hrs and they pass you along from so called supervisor to so called supervisor. laughing in background im so furious ive gave them almost 3 months for my money to be returned and they tell me have to appeal one more time which drags out few more weeks

Dear
Mr. [redacted]:We
have received and reviewed your correspondence forward to us from the Revdex.com
regarding SunTrust’s decisions for the claims referenced above and your belief
that you have not received all the credits for these claims. I appreciate the
opportunity to respond....

Based
on the information you provided, we have researched your claims again. Claim
[redacted] for a total of $400 was for items from [redacted] (April 1, 2016 for $100,
May 9, 2016 for $100 and June 8, 2016 for $200). On June 10, 2016, you were
credited $200 for the transactions from April 1 and May 9, 2016. However, on
June 14, 2016, recovery of $100 was received directly from the merchant. For
this reason, on June 15, 2016, we reversed our provisional credit for one of
the $100 debits. The $200 [redacted] item from June 8, 2016 was paid against your
account but was reversed and returned to the merchant on this same day. Regarding
Claim [redacted], on June 13, 2016, a debit from [redacted] for $200 posted to your
account. We provided a $[redacted] credit for this claim on June 27, 2016. After
the additional review of your claims was completed, we determined that the $[redacted] recovery credit received on June 14, 2016 was overlooked. This oversight caused
an additional $[redacted] to be credited to the account on July 12, 2016.To
recap your claims, you were debited on the following dates:  April 1 - $100, May 9 - $100, June 8 - $200 and June 13 - $200. Credits were provided on the following dates:  [redacted] [redacted] [redacted] [redacted] [redacted] All credits issued will
remain as final credits. We will not be reversing the extra $[redacted] you received
in error. Enclosed are statement copies for your review.You
mentioned that you received a fee refund of $36.00 in error. After reviewing
our records, we show you were charged [redacted], but two credits for [redacted] were processed as refunds to this fee on
June 10, 2016 (statement enclosed). The [redacted] credit will remain. We understand your
concern about your account information and the quality of service you received
from our representatives. SunTrust takes the confidentiality of our clients’
account information very seriously, and we would never intentionally share your
information with an unauthorized party. Your comments about your experience are
very important to us and were shared with the appropriate management. The
information you provided helps us to know where the emphasis for future
training and process improvement efforts should be placed. We understand that
we did not meet your expectations in this situation and regret any
inconvenience caused. Mr. [redacted], I hope this information alleviates any
additional concerns. Should you have any questions regarding your claims, please
call our Fraud Assistance Center at [redacted]. A representative will be glad
to speak with you.

We have responded to [redacted] by letter on August 26, 2014. If you have any questions about our response, please contact [redacted].
Sincerely,
[redacted]
Vice President and Manager
Executive Services

Re: Auto Loan Account ending in [redacted] 
Chapter 7 Bankruptcy Revdex.com (Revdex.com) Case [redacted] 
Dear Ms. [redacted]: 
We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding your above...

referenced auto loan account and Chapter 7 Bankruptcy filing. I appreciate the opportunity to respond. Our records indicate that Chapter 7 Bankruptcy Case [redacted] was filed on June 15, 2015 and was discharged on September 23, 2015. All collection activity stopped when you filed the Bankruptcy. We show that a reaffirmation agreement was emailed to your attorney on June 23, 2015. The reaffirmation documents were not filed in your case, and we have no record that the agreement was returned to SunTrust. For this reason, you are not liable for the account balance, and any payments you made were done so voluntarily. If you have any questions related to the handling of the reaffirmation agreement, please contact the attorney that handled your bankruptcy case. We respectfully decline your request for [redacted] as compensation. SunTrust acts in accordance with all State and Federal laws and regulations and denies the allegation of wrong doing. When your account became past due, you were sent a ''right to cure" letter, as required by the State of Maryland, advising you that the vehicle would be repossessed. You had a choice to make payments in order to keep the vehicle, or the vehicle would be repossessed. You chose to voluntarily surrender the vehicle on May 7, 2016. You may contact our Repossession Department directly at 866.717.0734 regarding the surrendered vehicle. Ms. [redacted], I understand the difficulty a situation like this can cause and regret any inconvenience you experienced. Should you have any additional questions or  concerns regarding your account, please contact our Bankruptcy Department at 1.800.635.3112. A representative will be glad to assist you. 
Sincerely, Kathy B[redacted] 
Officer 
Client Advocacy Management Office

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.
At no point in time, have I been able to call into Suntrust and get financial information on [redacted] account. [redacted] opened this account with the sole responsibility that she would be responsible for it. I would log into my account daily, I called into Suntrust on October 26th notifying the bank of mysterious funds in [redacted] account and inquiring about them, I was told that no information could be provided since I was not the account holder. I am requesting my funds be refunded in a check form, the account under the name of [redacted] closed, and no further debt collections be pursued under my name. Action has to be followed up with [redacted], the account holder. It is absolutely unlawful to move money out of my account for an account I have no privileges to. I am very disappointed with Suntrust and the lack of information provided when I called in about that transactions. I also asked if they could freeze the funds until I spoke with [redacted] and inquired about where the funds came from. I am only responsible for account ending in [redacted]. As you can see, my account has never been over-drawn or erroneously used. I will accept 1 or 2 options. I am also requesting a copy of this check that was deposited into [redacted] account.
A. Refund
B. My name be cleared of anything outstanding and owed in reference to [redacted] account.
 
 
Thank you
Regards,
[redacted]

Re: Revdex.com complaint# [redacted] {[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 am tried of my actual concerns not being addressed.  I acknowledge the the numbers shown on Suntrust actual posting record for the day indicate that we were overdrawn.  MY COMPLAINT IS THAT THESE FIGURES DO NOT MATCH WHAT WAS AVAILABLE TO US WITH OUR ONLINE BANKING ACCESS!!!!!!  THE FIGURES AVAILABLE TO US ON MAY 10 (THE ONLY INFORMATION AVAILABLE TO US FROM SUNTRUST) DO NOT SHOW THAT WE WERE OVERDRAWN.  On this morning, if overdraft fees and transfer fees totaling $192.50 had not been charged online banking shows we had a balance of $140.85.  How can we be expected to continue to do business with a company that provides inaccurate information to its customers that result in charges totaling almost $200.  My complaint is with the false information provided to us via online banking, or the discrepancy of the figures available to us vs the figures the bank uses to determine actual balances.
Please address this complaint!!!! 
Regards,
[redacted]

I was with [redacted] Credit Union for years. I switched to SunTrust because there wasn't a [redacted] in Orlando. My stepmother raved on and on about SunTrust so I thought I'd give them a try (there was also a branch right across the street from my home which was a plus!) Everything was great at first, until I started to realize that it takes almost a week for transactions to be debited from the account! To make matters worst, the online site gives you two balances which completely screwed me up on two occasions. I went to the gas station, and one of the balances showed $7. So I only pumped $5 in gas thinking I'd be okay. The next morning I woke up I had a $36 overdraft fee. When I called and asked why the representative told me I was looking at the wrong balance, and only really had about $4. (She even mentioned something about how it's the MERCHANTS that take their sweet time to take the money. [redacted] takes the money IMMEDIATELY. And Im sure [redacted] are the same everywhere. So it's not the "merchants"). So because I went over by a dollar and change I was warranted a $36 overdraft fee. This past weekend, I made quite a few purchases (with money in the account to cover it), and Monday morning I paid my electronic bill via e-check. I bet you can guess which payment they attempted to debit first. In case you dont know how SunTrust works, I'll tell you. They took the payment I made Monday morning before any of the payments I'd made the week before. Now I have FIVE OVERDRAFT FEES TOTALING $180. What makes it so bad is the fact that I was charged $36 for smal debits that were like $5 and $9. How is that even equivalent? I'm waiting on a call from a supervisor tomorrow. Hopefully they even return phone calls, but I won't hold my breath. It's a shame that I'd rather deal with a bank that's 50 miles away versus a bank that's walking distance from my front door. Deposits and withdrawals....l'd make that trip to Lakeland, Florida. Worst banking experience ever. I'm a 22 year old, college student trying to make it on my own without my parents' help. $180 is enough for grocery for the month! It's ridiculous.

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]

November 16, 2016 [redacted] 
[redacted] 
[redacted]  11px;">Re: Essential Checking Account ending in Revdex.com (Revdex.com) Case [redacted] Dear Mrs. [redacted]: We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding our August 2016 Checking Offer promotion. We appreciate the opportunity to respond. Our records show that the account was opened on line on August 23, 2016 (statement copy enclosed). You were enrolled in our [redacted] promotion. Unfortunately, only accounts opened at a SunTrust branch are eligible for that promotion. We were also offering an online promotional reward In August 2016 ([redacted] ). However, in order to qualify for that reward, a promo code was required at the time of account opening. For these reasons, your account ending in is not eligible for the $125 reward. Because you did not qualify for the first reward, the account is also ineligible to receive the second $125 reward (continuing to maintain at least $500 in monthly Direct Deposits until December 31, 2016). We have reviewed this matter again, and our position remains the same. Your comments regarding this matter are important to us and were shared with the appropriate management. SunTrust strives to provide exceptional service with each and every client interaction, and we regret that we did not meet your expectations, Mrs. [redacted], should you have any new concerns or questions 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, Sherry R. F[redacted]

Dear Ms. [redacted]: We received your correspondence regarding the above referenced case. Because you did not include a signed authorization from from the client, we are unable to provide you a copy of our response to the client dated February 25, 2015. Upon receipt of...

the signed authorization form, we will gladly share a copy of our response with your office. Thank you for contacting SunTrust. Sincerely, [redacted] Officer Mortgage Escalations Resolution Team

SunTrust has responded to our client but cannot share the response with 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 in 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.The researched response and detailed explanation of the fee are incorrect.  The transaction in question for $75.96 actually occurred on 06/03/2016 as verified by the attached receipt.  This transaction was also cleared from my account on 06/04 leaving my remaining at balance at $84.71.  The second transaction of $37.98 was presented on 06/08/2016.  If this amount was subtracted from the agreed on current amount, there should have been a remaining balance of $46.73 before the $274 deposit.  Based on the agreed sequence of transaction 2, it should have been impossible to incur this fee.
This "transaction error" was then compounded back the fact that I have now spoke with 3 representatives from Suntrust bank who gave me 3 different explanations of how this could occur.  They each proceeded to advise me that I was ineligible for a "courtesy credit" because I received one on 06/17/2015.  This incident occurred on 06/09/2016, 9 days earlier the one year mark.  I felt in the effort of courtesy, Suntrust could have "approved" this annual occurrence considering it would once again disqualify me from received another credit.
 Granted they valued me as more than a series of numbers on a checkbook, they would have found me human and realized that although this 1 fee would not be a drop in the bucket to their establishment, it had been earmarked to cover 1 week of swim lessons for my 8-year old.  I am not closing the account because I'm upset about a fee as I can always make more money, my account will be closed because it is clear that your company does not value me as a customer.
 
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] I received the response to my complaint.  Problem is the answer is incorrect and unacceptable.  The response from Suntrust states the Taxpayer ID was assigned to the business.  The name assigned on the Taxpayer ID is not the owner.  The IRS only issues Taxpayer ID's to a person or a Corporation. Since the [redacted] is not a corporation it can not be the owner of the Taxpayer ID.  As the letter supplied to Suntrust shows the owner of the Taxpayer ID is me.  The Taxpayer ID is under my Social Security Number and mine alone.  In addition Suntrust removed my name from the account preventing me the owner of the Taxpayer ID from being able to close the account.

We have responded to [redacted] by letter on September 5, 2014. If you have any questions about our response, please contact [redacted].
Sincerely,
[redacted]
Vice President and Manager

Dear [redacted]:
We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding fees assessed to your above referenced account. We appreciate the opportunity to respond.
It is important that collected funds be in your account before authorizing debit items....

Overdrafts may be prevented by keeping accurate account records, noting all deposits, checks, purchases and electronic transactions and having funds in your account to cover all items presented for payment. For example, the account balance shown on your ATM receipt, Online Banking Profile or mobile device may not include all outstanding items you issued on the account, such as checks and other preauthorized debits.
In reviewing your account activity, your available balance on March 11, 2014, was $29.64. Three previously authorized payments for $76.33 (Prog Advanced Ins Pram), $20.69 ([redacted]) and $7.46 ([redacted]) posted. Respectively to your account and were paid against an insufficient funds balance. Therefore, in accordance with our current fee schedule, you were assessed three $36.00 overdraft fees for a total of $108.
On our website suntrust.com we have helpful information on how to manage your account and avoid fees (see Banking-Personal Checking-Overdraft Services). 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. By establishing Overdraft Protection, a service which allows clients to link a deposit account, credit card or line of credit to their transaction account, you can help avoid the assessment of overdraft or return item fees.
We understand that we did not meet your expectations in this situation when you called and spoke with our customer service representatives and regret any inconvenience caused. As a courtesy, we have waived two of the fees totaling $72.00. You will see these transactions on your next monthly statement.
[redacted], we trust that the aforementioned information is helpful and that you will make a concerted effort to avoid fee assessment in the future. Should you have any questions, please do not hesitate to call [redacted]) or visit any of our convenient offices. Thank you for banking with SunTrust.
Sincerely,
[redacted]