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.The bank is keeping the inquiry on my credit report, even though I have clearly state that it is not mine and that there was a fraud alert on my account at the time.  The inquiry was not mine.  The bank states that the fraudster used my details to make the inquiry and seems to think that absolves the bank of further responsibility.  It does not.  Of course the fraudster used my details - that is how the inquiry shows up on my credit report.  Keeping the inquiry on my credit report damages my credit rating.  SunTrust is behaving outrageously.
Regards,
[redacted]

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 don't know why [redacted] is even replying back, I was told on 3/13 that Sandy has taken over this complaint. [redacted] contact number is [redacted]. It amazed me that Suntrust is asking me to deposit any money into that account after the lies they have told me. My account wont have been overdrawn if you didn't take the word of another merchant to charge my card.  I didn't authorized [redacted] or [redacted] to change me card to any amount.
 
You would think to keep a customer- they wont put them through the ** they have put me and my family through. I am currently driving a vehicle that doesn't work- since [redacted] never fixed the issue when I took my vehicle to get fixed months ago. My family and I are in the process to be homeless due to this.  I don't understand how Suntrust can stand as a company.
 
Like I told [redacted] its not even about the [redacted] charge its about the bad communication and poor training of people that work for suntrust. You would think after all the ** I been through they would atleast credit my account something just to show they are noticing there employee mistakes.
 
[Provide details of why you are not satisfied with this resolution.]
Regards,[redacted]

I have been a customer with this bank for 19 plus years and I have never been so upset. I setup my business and I came to Suntrust back in November. The lady at the SunTrust Bank Linda did not know enough about the business account setup to do it correctly or give me the correct information. I asked her if I could transfer funds from my business account to my personal account and if I could view all my accounts in one spot she tells me yes. I go back to see her at the branch in Western Branch and she tells me she never said that so now I'm pretty upset because I could have gone to [redacted] As I am prior military retired. So then I decide to go to the branch on general booth Boulevard and speak with Mr H[redacted] which tells me that you can view it and he sets up the account. However today is December 28th it is been one full month and I still can't view my account. Now as I'm told by that branch mr H[redacted] is on vacation today and he set it up correctly however, the online department never let me know that there was an issue so I've been waiting seven straight days longer before I finally decided to call and ask what was up with my accounts. I was then told to call the online service and answer a few questions for them however by this point I am pulling all of my funds out of the account from my business and from my personal. If this is the type of business you guys have then I don't want any part of it!

Dear Mr. [redacted]: We have received and reviewed the correspondence from your father that was forwarded to us...

from the Revdex.com regarding an overdraft fee that was assessed to your above referenced account. Since your father Is not affiliated with your account, I am responding to you. Our records reflect that, on March 12, 2016, an attempt was made to make a mobile deposit to your account. However, after the oack Image was uploaded the deposit was not submitted, and for this reason, a deposit acknowledgement was not generated . We show that, on March 14, 2016, your account balance was $5.22. Debit card purchases from [redacted] ($16.90} and [redacted] ($5.53) were presented for payment and paid. Since there were not sufficient funds In the account to pay the Items, your account was assessed a $36.00 overdraft fee for each Item . Based on this information, we have determined that the assessed overdraft fees are valid. However, on March 15, 2016, one of the $36.00 fees was reversed; the other fee will remain (statement copy enclosed). 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], 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, call us at 800.SUNTRUST (800.786.8787) or visit any SunTrust branch. A representative will be glad to assist you. Sincerely, Diane E[redacted] Assistant Vice President Client Advocacy Office

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.
The response did not contain a resolution, it was just a letter from [redacted] saying she received my complaint. Why doesn't [redacted] contact me directly?? I have been in contact with [redacted] and when I spoke to her on Feb 28 she stated that she would have someone send me a CORRECT copy of my February mortgage statement. It's been over a week and I still have not gotten it. I called on Feb 4 and spoke with [redacted] requesting that a correct statement be sent and it has been over a month. This is more than enough time to send a piece of paper. I have not made my Feb payment and it is due in a few days. I have already told [redacted] that I will not pay the late fee because they cannot get my account straight and send a simple piece of paper. This is completely unacceptable and unprofessional. I DID NOT choose suntrust, my mortgage was sold to them and I am not satisfied with their handling of my account or their customer service. 
[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.I have not received any resolution, response or offer from SunTrust Bank. They have not contacted me by mail or email. I received one courtesy phone call during which no resolution was reached by either party. They continue to charge late fees from previous months, even though when the account was paid in full, no late fees were charged and the balance was zero.
The reports have not been withdrawn from the credit reporting agencies by SunTrust.
I further learned that when the balance was paid in full, an automated recording stated that there had been no reports to the credit agencies at all for the primary holder of the account. That statement is false, as we were both reported as late to Equifax and Transunion. My complaint that I was not notified of the account being late still stands. What's more, SunTrust continues to fail in communicating with me, a case in point being the resolution to this complaint. I have not received any direct response.
Regards,[redacted]

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 do see it is legal for you to charge nsf fees on pending charges. My argument is this. I do an online order with [redacted] each month that takes 5 days to arrive. They never charge until I receive the order. I place it so that my automatic deposit goes in before the charge clears. I did it last month and was not charged. I was charged this month which resulted in the other charges. I won't do it again but this charge did not clear until after my deposit so it didn't cost you a thing and yet you still charge me for it. Also yes you did refund a 36.00 charge and then turned around and took it away again siting pending investigation or some crap. So you have refunded nothing.
[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]

They are scamming customers with their overdraft fees. When you have an automatic bill pay, its like they wait until the day or week that your bills are coming out and then process all other charges from that week. There is no reason that ALL charges from one week to two weeks should process on one day. And it just happens to be the day that my bills are coming out? I think not. So, I'm charged with $35 overdraft fee for EACH CHARGE!
This is the third time that my account has been on hold because my "data was compromised." Yet, I wasn't notified that they were going to be placing my account on hold.
One of those times, my car payment was on automatic bill pay, and declined because my account was on hold and now that is on my credit as me missing payments.
The second time it happened, I was at a gas station getting gas and my card was declined. I again called Suntrust and they told me that my account was on hold. AGAIN, without notifying me in advance.
Last but not least, my account is on hold today, and has been for the past 3 days. Do you think they notified me? No. AGAIN, it came as a surprise to me as my two daughters, my wife, and I were at a doctors appointment and ended up stranded. Why you ask? I opened my Uber app, to request a ride, and my card was declined. I called Suntrust and they explain to me that my account is on hold and they will have a card out to me in 7 to 10 business days. So, with no cash, and no access to MY ACCOUNT, my family and I were stranded 35 minutes from home. Suntrust said that there was nothing that they could do about it.
And now when it comes down to my bills automatically coming out in the next two days, if I cant get to the bank before closing time, I wont be able to deposit enough funds to account for the bills that are about to come out. And who will then be responsible for those overdraft charges? They are phishing for ways to exploit their customers and I think its disgusting. How do you trust someone to store your money when they keep stealing it from you?

Dear [redacted]:We have received and reviewed your correspondence forwarded
to us from the Revdex.com regarding the EIN for accounts held in the name of [redacted]. I appreciate the opportunity to respond.You mentioned that you closed your personal EIN which is
being used for the...

accounts of [redacted]. The EIN was assigned to
that business, and even if it is closed, the number is not reassigned.For additional information regarding this matter, please use
the following link to the IRS wed
page:[redacted]. I have [redacted] a
printed copy for your reference.[redacted], please understand this is a matter that must be
resolved between you and the current business owners. If we may be of further
assistance, please don’t hesitate to call [redacted] or visit any SunTrust
branch. Our representatives will be glad to help you.Sincerely,[redacted]

Dear Ms. [redacted]: We have received and reviewed your correspondence regarding the status of the fraud cla!m referenced above. I...

am sorry to learn of the fraud that occurred on the account and understand how frustrating a situation ·like this can be. I appreciate the opportunity to respond. Our records show that, on March 15, 2016, you contacted our Fraud Assistance . ! Center to report an unauthorized debit card purchase that was pending on your account for $182.73 from BestBuy. At that time, Claim 2641230 was established. This unauthorized .debit did not cause your account to be overdrawn, and no fees were assessed because of the debit. Upon receipt of the notification of unauthorized activity, we started our investigation. On March 22, 2016, our Investigation of your cla!m was completed and we determined that you are not liable for the charge. A credit for $182.73 posted to your account on March 22, 2016 (statement enclosed). You were concerned about the length of time for a provisional credit to post to your account. In accordance with our Rules and Regulations For Deposit Accounts (pages 42 and 43 enclosed), we will provisionally credit your account within ten business days from the date you provide us with confirmation of the disputed amount. Our Rules are provided at account opening and available on our website suntrust.com (see About Us-Fee Schedules-.Deposit Account Disclosures). Your comments about the claims process are important to us and were forwarded to the appropriate management area. We understand that we did not meet your expectations in this situation and regret any inconvenience caused . 04-13-'16 15:28 FROM-SUNTRUST T-324 P0003/0010 F-500 Ms. [redacted], we hope the Information contained in this letter will alleviate any further concerns. Should you have any additional questions· regarding your claim, please contact our Fraud Assistance Center at 800.447.8994. A representative will be glad to · assist you. Thank you for banking with SunTrust. Sincerely, Kathy B[redacted] Officer Client Advocacy Office

Re: [redacted] Revdex.com Case [redacted] We responded to Mr. [redacted] by letter on June 2, 2015. If you have any questions about  font-size: 11px;">our response, please contact Mr. [redacted].

Dear [redacted]:We have received and reviewed your correspondence forwarded
to us from the Revdex.com regarding alleged unauthorized transactions on your above
account. I appreciate the opportunity to respond.Your comments about the level of service you received from
our representatives are very...

important to us and were shared with the
appropriate management. I understand this has been a frustrating situations for
you, and I apologize for the concern and any inconvenience caused. Our records show that on July 17, 2015 an ATM cash
withdrawal of $420.50 and two non-SunTrust ATM fees totaling $5.00 ($2.50 each)
were debited from your Everyday Checking Account. You notified us on July 19,
2015 that you did not make these ATM cash withdrawals because you lost your ATM
card and PIN prior to the withdrawals being made. A claim, Case [redacted], was
established for investigations.On July 20, 2015 there was one pending ATM cash withdrawal
of $403 from July 19, 2015 and three non-SunTrust feels totaling $7.50 ($2.50)
that were debited from your account. You withdrew the remaining balance of
$137.04 on July 31, 2015 to close the account. These transactions are reflected
on your August 12, 2015 statement (enclosed). Because the withdrawals were made
using your PIN the case was denied.We reviewed your case again and based on the information you
provided and that they withdrawals were made using your PIN, the case was
denied as explained in the July 31,2 015 letter from our Fraud Assistance
Center ([redacted])Our records reflect that on August 25, 2015 we received
copies of the police reports and referred them to our fraud department for
review. The fraud department will notify you of their decision after completion
of their investigation. [redacted] we hope the
information contained in their letter will alleviate any further concerns, if
you have any questions or need further assistance, please contact our Fraud Department
at [redacted] and a representative will be glad to help you. Thank you for
banking with SunTrust.Sincerely,[redacted]

I have banked with Suntrust Bank for many years and depend on bill pay to get my bills paid on time, as I am a busy person (like everyone else). I have never had a problem until recently, when there have been several payments that were not sent. The first time this happened, they did reimburse me for late fees. My concern is the impact on my credit, as I am trying to buy a house. They tried to say the bills were not paid because they did not receive a bill from the biller. How is this possible when it is set up on Auto pay?? I have complained NUMEROUS TIMES about this, however there have been absolutely no improvements in their services.

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.This is the same responbusiness give everytime. It is not genuine and does not resolve the issue. It is a copy and paste letter. They can do a lot better than this. Its a sad excuse for excuse ethics in the business. 
Regards,
[redacted]

SunTrust responded to our client via telephone on March 18, 2014 and the matter has been resolved.  The march 7, 2014 Direct Deposit of $[redacted] was returned to the issuer on March 12, 2014. [redacted] received the remaining balance in his account ([redacted]) on March 22, 2014.
Please close this...

case on your records.

We responded to [redacted] by letter on August 13, 2014. If you have any questions about our response, please contact [redacted].
Sincerely,
[redacted]
Vice President and Manager
Executive Services

We have received and reviewed your correspondence forwarded
to us from the Revdex.com regarding an ATM deposit made to your account referenced
above. I appreciate the opportunity to respond.You mentioned that, on July 5, 2016 a $40.00 ATM deposit was
made that failed to post. On that day, we...

experienced a bank-wide issue that
delayed the processing of some ATM deposits.  When you contracted us the next day, we were
aware there was a problem and already working to resolve this issue.On July 6, 2016, the $[redacted] deposit you made the previous day
was credited as well as the $[redacted] deposit made on July 6. In addition, on July
7, 2016, we refunded your account [redacted].You mentioned being charged a total of $60.00 in fees by
merchants who had payments returned unpaid. We credited your account for those
fees on July 5, 2016. I have enclosed statement copies for your review.[redacted], we do apologize for any inconvenience this
situation may have caused and would like the opportunity to regain your trust. If
you have any questions or concerns please contact us via your Online Banking Profile.

We responded to [redacted] be letter on May 23, 2014. If you
have any questions about out response, please contact [redacted].
Sincerely,
[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.Suntrust did not try to resolve this issue in any way.  At the time they sent the response to you, (1/26/16), they had not even contacted me yet.  I did however, receive a letter from them a few days later that basically states they are not and have no intention to resolve this issue.  It remains unresolved.
Regards,
[redacted]