American Summit Inc. DBA Summit Realtors

SunTrust has responded to our client but cannot share the response with 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 am not satisfied with the resolution because it caused grief and stress and that week that money was taken from me without notice I didn't have money to feed my children which I expressed to the bank in person and by phone and no one was willing to help me to resolve the matter. I requested my money be refunded to me and all they did was waive their useless fees. 
Regards,[redacted]

Dear [redacted]: We have received and reviewed your correspondence forwarded to us from the Revdex.com and the [redacted] regarding unauthorized transactions on the above referenced account. We appreciate the opportunity to respond. Our records show that you...

contacted us on February 25, 2015 to dispute several unauthorized transactions on your account. A claim, Case [redacted], was established for you at that time. We received your completed affidavit and began our investigation. Our Fraud Assistance Center informed you that your claim was denied on March 10, 2015. · After reviewing your case again, you stated you were in Dallas, Texas from February 14 to February 17, 2015, and the transactions in question were negotiated after you left Texas. We determined that errors occurred in setting up your case that resulted in incorrect conclusions in our first investigation. The case was corrected, and your claim was honored on April 14, 2015. On that day $926.46 was credited to your account, as indicated in our April 15, 2015 letter to you from our Fraud Assistance Center (copy enclosed). In addition, enclosed is a copy of your April 20, 2015 statement showing this credit. We regret the delay in the resolution of your claim. You are a valued client, and we hope this information is helpful to you. If you have any questions regarding your accounts, please contact us via your Online Banking Profile or call us at 800.SUNTRUST (800.786.8787). One of our representatives will be glad to assist you. Thank you for banking with SunTrust. Sincerely, [redacted] Officer Client Advocacy T earn

[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 responded to the complainant (non client) by telephone on May 21, 2015 and resolved the dispute. 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.
[Provide details of why you are not satisfied with this resolution.]
The letter indicates they responded to my attorney on June 23, 2015 after the bankruptcy was filed. Not once was any contact made to me in writing indicating they had not heard from me or my Attorney to see if I was in fact interest in the reaffirmation. They also show an email that was dated on May 26, 2016 concerning me having difficulties with my payments if my payments were voluntarily why are you asking for a payment on a vehicle that was paid off or forgiven in bankruptcy. Also I turned over the vehicle because I found out that it was included in the bankruptcy when I was not aware of because my payments were current at the time I filed bankruptcy once I found out a week or two prior to me receiving the notice to cure I contacted SunTrust and asked the question concerning not receiving an offer of reaffirmation and the SunTrust employee never once indicated that an offer was sent to my bankruptcy attorney. She could not provide me a response.   
Regards,
[redacted]

December 12, 2016 [redacted] 
[redacted] 
[redacted] Re: Checking Account ending in Claim [redacted] 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 claim. We appreciate the opportunity to respond. Our records show that, on July 6, 2016, you contacted us to dispute twenty-three checks totaling [redacted] that posted to your account from June 8 through July 5, 2016 (statement enclosed). Claim [redacted] was established at that time. On July 8, 2016, a member of our Corporate Security team met with you to discuss your concerns. At that time, we advised you that we would not compensate you for the disputed checks. We recommended that you pursue action through the court system where you may be able to seek restitution. Your concerns have been thoroughly reviewed and our position remains the same. Ms. [redacted], should you have any other questions regarding this matter, please call our Fraud Assistance Center at 800.447.8994. A representative will be glad to speak with you. Sincerely, Chris L[redacted] Officer Client Advocacy Management Office

[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 Ms. [redacted]: We have received and reviewed your correspondences forwarded to us from the CFPB and the Revdex.com regarding the bank's...

original decision to close your above mentioned accounts. We appreciate the opportunity to respond. On March 13, 2015 we began the process of closing both accounts because some transactions on your checking account triggered internal fraud detection flags. Fraud detection and prevention measures are intended to protect consumers, so we truly regret that you were inconvenienced and alarmed. We further apologize for the lack of timely communication with you on this matter. Upon further review, we .reversed our decision to close the accounts. On March 17, 2015, the funds that we removed from both accounts for the closing balances were credited back tp each account. These transactions are shown on the enclosed statements ($389.80 to checking and $10.00 to savings). You informed us this situation caused you to be late with your rent payment. When our representative Mr. [redacted] spoke with you about this matter, you advised him that you incurred a $140 late fee from your landlord. Mr. [redacted] contacted your landlord and explained the delay in payment was caused by the bank. We regret any inconvenience this caused. On March 17, 2015, we credited your checking account $140 for reimbursement of the late fee. Ms. [redacted], we hope the information provided is helpful to you. If we may be of further · assistance with your financial needs, please call Ms. [redacted], manager of our Brandermill Branch, at 804.744.2158. She looks forward to helping you. Sincerely, [redacted]Officer Client Advocacy Team

Dear Mr. [redacted]: We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding your request to be removed from...

the obligation to pay the balance owed on the above referenced account. Thank you for speaking with me regarding your concerns that your account was not closed as you requested : I appreciate following up with you in writing. Our records indicate that you visited our [redacted] Branch on February 22, 2016 and requested for the account to be closed. At the time of the request, your account had a negative balance. You were provided a $36.00 extended overdraft fee refund and advised to make a deposit to bring the account to a zero balance. For this reason, you deposited $96.00 to the account (statement enclosed). Your were also told the account could not be closed on the day the deposit was made because the deposit would have to post to your account, and we advised you to contact us again to have the account closed . No follow up was made by you, and your account remained open . On March 21, 2016, an item from Capital One for $269 was presented and paid, which caused an overdraft fee of $36.00 ,to be assessed to your account. In addition, an extended overdraft fee of $36.00 was assessed on March 25, 2015 due to the continued negative balance. A monthly maintenance fee of $10.00 was assessed on April 11, 2016 (statement enclosed). You again contacted us regarding the overdrawn account status, and on April 21 , 2016, we refunded the $10.00 maintenance fee and two $36.00 overdraft fees (statement enclosed). After a review of the information provided by you and information contained in our records, we have determined no bank error occurred. Therefore, the accountholders are responsible for any balance owed. The account is currently overdrawn. Given this, we ask that you please 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 consumer reporting agencies. Mr. [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 accounts, 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] Officer Client Advocacy Management Office

We responded to Ms. [redacted] by letter on April 15, 2015. If you have any questions about our response, please contact Ms. [redacted]. ·

Dear Mr. [redacted]:
We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding your above referenced merchant dispute case. We appreciate the opportunity to respond. 
Our records show that your debit card purchased was declined wtih the merchant on...

January 10th, 2015 because the transaction was outside of your normal spending pattern. The transaction caused an immediate security block to be placed on your debit card. Please note that this transaction was not declined based on services provided by the merchant. On January 18, 2015, the merchant presented an item for $600.23 that did not trigger any security flags. While this item was allowed to post to the account on January 21, 2015, it was credited back to the account by the merchant on January 22, 2015. 
On January 20, 2015, the merchant presented an item for $700 that also did not trigger a security flag and was allowed to post on January 23, 2015. During our review of your claim against this transaction, the merchant provided multiple types of evidence that indicated the payment was authorized by you. 
However, because you were able to provide further evidence of your claim to Ms. Crystal Cushenbery, Loss Prevention Manager, on May 8, 2015, the decision was made to honor your claim. For this reason, a credit of $700 was made to your account on May 8,2015. 
Mr. [redacted], we hope the information provided is helpful to you. When you have questions or concerns regarding your accounrs, please do not hesitate to contact us via your Online Banking Profile, call us at 800.SUNTRUST, or visit any SunTrust branch. A representative will be glad to assist you. Thank you for banking with SunTrust. 
 
Sincerely, 
[redacted]
Officer
Client Advocacy Team

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 
SunTrust said they contacted me, but I received nothing from them. They asked the Revdex.com to remove the complaint, I ask the Revdex.com to keep the complaint. Thank you.
Regards,
[redacted]

Timeline Regarding [redacted] I • On 10/29/13, our business banker ([redacted]) met with the client ([redacted]) for the first time to discuss the upcoming renewal. He also gave I the client a list of preliminary financials needed to facilit~te the request. I • On 12/5/13, [redacted] had a follow-up meeting with the client to discuss the financials needed that had not been received for the renewal. • In January of 2014, client is no longer assigned to [redacted]. although [redacted] was available to make introductions as a financiaI package became available. • In early 2014, upon not receiving updated financials from the client, Jamie instructed him to work with our Portfolio Manager (PM) in Orlando. • In May 2014, the client reached back out to [redacted] indicating he was unsure as to where his loan stood in the process, although he had several conversations with the PM. • On 6/11/2014, [redacted] was advised a new PM would be assigned. • On 7/22/2014, client had not heard from the new PM [redacted]). [redacted] contacted the client. • On 7/30/2014, [redacted] and his manager met with the client who indicated his frustrations, and they assured him we would get someone working on the request. • On 8/7/2014, we provided the client with [redacted]'s contact information and let him know that [redacted] would work with him to facilitate the renewal request. • [redacted] advised 1 year renewal was approved to allow client time to shop elsewhere. At that time, the client stated that he had three banks to go to. • The amortization on the loans was approved as requested by the client. • It was recommended a term out of a related line of credit, which was on "Interest Only" for 10 years. Client stated that he was selling the property securing the line for at least four years based on previous credit memos. • The 3 loans had title issues, which [redacted] in our closing department and the attorney worked to resolve. • Additional "hard" cost to third party venders, evaluation, title, attorney's fees, recording, and R/E tax monitoring were incurred.• Closing costs were conveyed to the client via email on November 6, 2014 for which the client responded, "Ok [redacted] when can we settle" • On 11/24/2014, [redacted] spoke with client and went over the 11 hard costs that we cannot waive/reduce (evaluation, title, attorney's fees, recording). Client was advised that we are not changing any origination/bank fee at this time. He is still upset thinking that he is losing money on the refi since his rate is still higher now and he has been paying on it since the renewal f period. • The loan closing occurred on December 19, 2014 as scheduled.

Re: BBS complaint# [redacted] Sunlrust 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.

We resolved this case by phone.  The client’s subordination agreement was sent by [redacted]...

[redacted] on October 3, 2016. 
 
Please close this case on your records.
 
 
Sherry R. F[redacted]
Vice President, Client Advocacy Management Office
SunTrust Bank
Take a step toward financial confidence.
Join the movement at onUp.com.
 
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I've been with Suntrust for my commercial banking now for the past six years and have never had a problem until today. I have been on the phone with them for the past hour trying to get them to reverse two $38 overdraft fees for my bank account going in the negative last week. I have a Suntrust Mastercard credit card to protect me from these mishaps and for some reason (they can't tell me) it didn't work and they refuse to reverse both charges. So for a small $38 fee, I'm saying goodbye to Suntrust and hello to [redacted] tomorrow at 9AM. Extremely disappointed in my experience with Suntrust and I will share my story often.

[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: Revdex.com complaint# [redacted]. SunTrust has responded to our cllent but cannot share tho response with the Revdex.com as no signed...

third party authorization was received. Please close this case on your records.

December 15, 2016 [redacted] 
[redacted] 
[redacted]  font-size: 11px;">Re: Everyday Checking Account ending in Revdex.com serving Central Virginia (Revdex.com) Case [redacted] Dear Mrs. [redacted]: We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding pending debit card transactions and an overdraft fee assessed to the above referenced account. We appreciate the opportunity to respond. Once a debit card transaction (ATM withdrawal or purchase) is authorized, a hold is placed on the client’s account reducing the available balance. Funds on hold for pending debit card transactions generally cannot be used for other purposes, even though the transaction has not posted against the account. Typically, 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 transactions, including pending debits and credits, to determine their available balances. Detailed information concerning this matter is included on pages 18 and 19 of our Rules and Regulations for Deposit Accounts (enclosed). The Rules are provided at account opening and also found on suntrust.com (see Menu -> Personal Checking Accounts -> Features and Benefits -> Overview Guides and Disclosures-> Deposit Account Disclosures). Our records show that, on November 23, 2016, your account balance was [redacted]. Three pending items totaling [redacted] reduced your available balance to [redacted]. It was against this available balance that one transaction of [redacted] from [redacted] was presented and paid from your account. Because this item paid against insufficient funds, one [redacted] overdraft fee was assessed to the account (statement enclosed). Based on this information, we have determined that the assessed overdraft fee is valid and will remain. In order to decrease the chances of overdrafts 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. Mrs. [redacted], although this may not be the answer you expected, I hope the information about avoiding overdraft fees is helpful to you. If you have any 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, Seth *. M[redacted] Officer Client Advocacy Management Office