American Summit Inc. DBA Summit Realtors

[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 client but cannot share the
response with the Revdex.com as no signed third party authorization was received.

[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]

We responded to [redacted] by letter on September 19, 2014. If you have any questions about our response, please contact [redacted].
Sincerely,
[redacted]
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.
ps dont  tell me refund 141.00 closed ACCT
Regards,
[redacted]

Dear [redacted]:
We have received and reviewed your correspondence forwarded
to us from the Revdex.com regarding the status of your above referenced account. We
appreciate the opportunity to respond.
As you stated in your correspondence, you moved out of state
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for an extended period of time. Our records do not reflect you contacting us to
request an update to your address or telephone number. As we did not have
updated information, all statements and correspondence were sent to the address
of record:[redacted], [redacted], [redacted]. We have no record
that the mail was returned as undeliverable. Attempts to reach you by telephone
at [redacted] were unsuccessful. In additional, we have no record of you
contacting our Demand Deposit Account Recovery and Retention Department to make
payments arrangements regarding the negative balance.
A review of your statements for the period of November 19,
2010 through February 14, 2011 reflects that the transactions that were
presented for payment and returned, for which your account was assessed a
$36.00 returned item fee for each item, were recurring transactions. The transactions
were from [redacted], [redacted], [redacted], [redacted], [redacted], [redacted] and
[redacted]. Since you do not place stop payment orders or cancel the transactions
with the merchants, they continued to submit the items for payment. If you are
disputing any of the transactions, we encourage you to contact our Fraud Rick
Management Department at [redacted] to establish a fraud case.
On February 3, 2011, due to a negative balance for an
extended period of time, the account was closed with an amount owned to SunTrust
of $1,054.59, which represents $88.59 for purchases, $966.00 in fees and a
$30.00 administrative fee. As a onetime courtesy, we refunded the $30.00
administrative fee.
Your account is currently with CCS Co. We encourage you to
contact them at [redacted] to discuss payment or settlement options.
We show the address we have on file for is different than
the one you provided to the Revdex.com. To update your address, you may call
[redacted] ([redacted]) or visit any SunTrust office. Our representatives will
be glad to help you.
Sincerely,
[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.
[Provide details of why you are not satisfied with this resolution.]
Regards,
[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.

We have responded to [redacted] by letter on May 6, 2014.
If you have any questions about our response, please contact [redacted].
Sincerely,
[redacted]

Dear [redacted]:
We have received your correspondence regarding the above referenced case. However, you did not include a signed authorization form from [redacted]. Therefore, we are unable to provide you with a copy of our response to [redacted] dated March 20, 2014. Upon receipt of the signed...

authorization form, we will gladly share a copy of our response you’re your office.
[redacted] if you have any additional questions regarding this letter, you may contact our Mortgage Escalations Resolution Team at [redacted], Monday through Friday from 8am to 6pm.
Sincerely,
[redacted]

Dear [redacted]:
We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding our prior wire transfer and your request that we transfer $[redacted] to you. We appreciate the opportunity to respond, We regret that we incorrectly addressed your mother...

in our previous letter.
[redacted] of [redacted]. asked that we wire funds from your mother's estate to you, As stated in our letter to you dated March 28,2014 the funds were wired to you converted to Euros as you requested. We have no record of written instructions from you asking that we send the wire at a certain rate. As you are well aware, rates are subject to change daily.
[redacted], we stand by the $[redacted] that was offered to you. Please know that the offer was not an admission of an error, but a courtesy. If you have any other questions, please call [redacted] at [redacted]. she will be happy to assist you.
Sincerely,
[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.
 
Sherry *. F[redacted]
Vice President, Client Advocacy Management Office

Please see attached.

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.After receiving SunTrust's response to my complaint, they have offered no assistance to help me. They rearranged all of my debits/credits to my account to make me withdrawal and achieve the most overdraft fees possible. I have attached a copy of the bank statement they sent me, and you can clearly see from the "Date Paid" and the "Transaction Date" that they have moved all of my transactions around. 
I also made a cash deposit of $85.00 to insure that my account would not go into the negative, but they held that deposit for an entire 24 hours before it was available in my account, which caused more overdrafts.
I would like all fees assessed on my account taken care of, my account closed, and a check for the remaining balance in my account. This should come to $53.66. The fees assessed on my account total to  $506 and my balance is - $452.34 so the difference would be the $53.66. 
Regards,
[redacted]

Revdex.com:
There is no offer being made. I asked that you (Revdex.com) be kept in...

the loop and it seems they are locking you out. I have therefore attached the file they sent. which doesn't say anything about resolving or addressing the   erroreous bill payment. Further more I am not in [redacted] at the time so sending any thing to my [redacted] P.O. Box does not reach me. That's why I asked that any responses be sent to Revdex.com. I am asking Suntrust to share their responses with Revdex.com. I am doing so in writing here an authorize this communication.
I have no knowledge of what the banks response is. I will update the mailing address, but I request that the responses be sent here.
Thank you
[redacted]

Dear [redacted]:
We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding overdraft fees assessed to the above referenced account. We appreciate the opportunity to respond.
Our records reflect that on September 2,2014, two...

deposits totaling $80.00 ($60 and $20 ATM deposits) were credited, which brought the account balance to $169.66. Two debit card purchases totaling $127.25 and a point of sale purchase at [redacted] for $28.73 were paid leaving an available balance of $13.68. That same day, five additional debit card purchases were made against non-sufficient funds. As a result of these transactions, you incurred five $36.00 overdraft item fees totaling $180, which brought the account balance to -$216.10. On September 3, 2014, two more debit card purchases were made against non-sufficient funds and you incurred two additional $36.00 overdraft item fees of $72.00, which brought the account balance to -$436.60. On September 4, 2014, a $351.31 Payroll Direct Deposit was credited, which brought the account balance to -$85,29. That same day, two debit card purchases totaling $89.98 were made against non-sufficient funds, As a result of these transactions, you incurred two $36.00 overdraft item fees of (72.00) which brought the account balance to -$247.27. On September 8, 2014, a recurring debit card purchase in the amount of $7.99 was paid against non-sufficient funds and you incurred a $30.00 overdraft item fee which brought the account balance to -$291.26.
Our records also reflect that on September 9, 2014, an extended overdraft fee ($36.00) was assessed due to the account being overdrawn for seven consecutive days (September 2 through September 9, 2012). Enclosed is your September 2014 statement for your review. I have also enclosed a copy of our Personal Deposit Accounts Fee Schedule, provided at account opening and also available on our website.
The posting order of your items is in accordance with our Rules and Regulations for Deposit Accounts. Enclosed is page 16 of our Rules for your review. Our Rules are provided at account opening and on our website suntrust.com.
Our records reflect that courtesy refunds for overdraft fees have been provided previously. Based on this information and that items were presented for payment against insufficient balances, we have determined that the assessed overdraft fees are valid will remain.
We want to be sure you are aware that our website contains helpful information on how to manage your account and avoid fees. 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.
In addition, as a suggestion, you may want to set up Overdraft Protection, whereby a protector account is linked to your transaction account to cover any shorfalls and decline Overdraft Coverage on ATM and everyday debit card transactions when the available balance is not sufficient to cover the transaction. Detailed information concerning these services may be found on our websites. Additional information regarding Overdraft Coverage is included on page 5 of our Personal Deposit Accounts Fee Schedule.
You also expressed concerns about the fees and servicing of your account. It is SunTrust's policy to offer its banking products and services, including credit products, to any qualified applicant in a responsible and non discriminatory manner, and in compliance with all applicable Fair Banking and Consumer Protection Laws. SunTrust is committed to fairly representing its product and services and honestly and transparently disclosing the associated costs and fees. Our goal is to provide value to our clients, protect their interests and assist them in selecting the products or services that meet their needs. To that end, we scrutinize our disclosures to ensure that they are clear and understandable; verify that information provided to our clients is complete and accurate; and listen to our clients' expressed needs. We provide comprehensive training to our employees and perform ongoing monitoring to ensure compliance with Consumer Protection Laws and Regulations.
We take allegations of unfair, deceptive or abusive acts and practices seriously and do not tolerate these actions from any employee.
** and [redacted], we hope this information is helpful. Should you have any questions, please do not hesitate to contact us via your Online Banking Profile, call us at [redacted] or visit any SunTrust branch. A representative will gladly assist you.
Sincerely,
[redacted]
Assistant Vice President

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.
Please see attached letter.
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.
the way you count it is just a total, but when my cash flow is tight, it's all about timing. $421 - [redacted], $35.42 - [redacted], $32.00 - [redacted], $19.15 - [redacted] and $7.99 - [redacted] these four transactions were shown as clear on my end on July 25th. but it wasn't cleared until the midnight of the 25th. That mislead me that these trasactions are cleared.
AND if I have $1,003.06 available balance for eight transactions total as $1,361.34, why would you charge me overdraft fee on six out of eight? the worst situation would be one check (the $400 one) cannot be covered. there would only be one overdraft fee. Instead, the way Suntrust manage transactions make your customers pay more fees. I don't want a courtesy refund for $38. I want my rightful refund for $190. Thanks
Regards,
[redacted]

Re: Revdex.com complaint [redacted]
We have responded to [redacted] by telephone and all issues were resolved:
As he requested, we reset his minimum monthly payment amount to $66.00.Late fees were refunded.We reset and activated his Online Banking Profile.

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.
 
William * H[redacted], Group Vice President, Client Advocacy Management Office
SunTrust Bank