American Summit Inc. DBA Summit Realtors

Re: Revdex.com complaint [redacted] SunTrust has responded to our client by telephone but cannot share the response with the Revdex.com as no signed...

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

Re: Select Checking Account ending in [redacted] Revdex.com (Revdex.com) Case [redacted]  11px;">Consumer Financial Protection Bureau (CFPB) Case 151118-001177 Dear Mr. [redacted]: We have received and reviewed your correspondences forwarded to us from the Revdex.com and the CFPB regarding assessed overdraft fees that were the result of payments using our Online Banking with Bill Pay service that were paid from your above referenced account. We also received your correspondences addressed to SunTrust executives regarding this same issue. I appreciate the opportunity to respond. our records reflect that, on October 7, 2015, you scheduled.payments for [redacted] ($180) and [redacted] ($50.00) to be paid on October 30, 2015. You also scheduled a payment to SunTrust Mortgage ($900) to be paid on November 2, 2015. In addition, on October 7, 2015, you modified the due date to [redacted] from October 30 to October 16, 2015. Then, on October 15 at 5:56 a.m. the due date was modified to October 19, and at 8:57 a.m. the due date was again modified to November 2, 2015. Since the payment due date was November 2, 2015, the payment process began on October 30, 2015. Regarding the payment to [redacted], on October 15, 2015, the payment due date was modified from October 30 to November 2, 2015. Accordingly, the payment process began on October 30, 2015. In reference to the SunTrust Mortgage payment, on October 7, 2015, the payment was modified from $900 to $940. The payment to SunTrust Mortgage is made via check; therefore, the payment was processed and mailed on October 28, 2015 to allow enough time to arrive by the November 2, 2015 due date. After October 15, 2015, no further log on activity occurred until October 31, 2015, at which time the remaining scheduled bill payments were cancelled and the Bill Pay service was inactivated. At that time the above referenced payments had been processed and could not be cancelled. Payment cancellation requests are disclosed on page 13 (copy enclosed) of the Online Services Agreement, which you accepted at the time you enrolled in the service. On November 2 and again on November 5, 2015, the payments to [redacted] and [redacted] were presented and returned due to insufficient account balances. For each transaction your account was assessed a $36.00 returned item fee. As a courtesy, on November 20, 2015, we refunded those fees totaling $144 (statement copy enclosed). You also received a $36.00 overdraft item fee refund on November 18, 2015. On November 23, we refunded $144 and on November 24, 2015, we refunded an additional $252 in fees, for a total of $612. In order to decrease the chances of this happening again, please visit suntrust.com, where you will find helpful tips on how to manage your account and avoid fees (see Banking....., Overview Guides and Disclosures-+ The Facts About Banking). You will also find useful information about our overdraft services and how to monitor your account activity when the balance gets too low or becomes overdrawn by setting up email or mobile alerts. You may also want to set up Overdraft Protection, whereby a protector account is linked to your transaction account to cover any potential shortfalls. Detailed information about thi$ service is found on our website (see Banking-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], I hope that the information provided 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]

Dear [redacted]: We have received and reviewed your correspondence forwarded to us from the Revdex.com
regarding overdraft fees charged to the account referenced above. I appreciate
the opportunity to respond.Our records show that, on June 10, 2016, the overdraft fees
were caused by an electronic...

transfer to [redacted] for $21.39 that was debited
against a balance of $20.99. Because you did not bring the account to a
positive balance within five business days, the account was assessed an
extended overdraft fee on June 16, 2016. Based on this information, we have
determined that the overdraft fees charged are valid. However, as a courtesy,
we refunded the [redacted] to your account on June 30, 2016. This
is in addition to the [redacted] refunded to your account on April
28, 2016. Your statement is enclosed for your review.In order to decrease the chance 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.Currently, there is no overdraft protection set up for your
saving account. You may 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.
Instructions for signing up for Overdraft Protection and setting up email or
mobile alerts are also found on our website.The account is currently overdrawn. Because of 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 various consumers reporting agencies.[redacted], I hope this information is helpful to you. Should
you have any additional questions regarding your account, please do not
hesitate to contact us via your Online Banking Profile or call us at [redacted].
A representative will be glad to assist you. Thank you for choosing SunTrust
for your financial needs.Sincerely,Kathy B[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]

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.

SunTrust has responded to our client but cannot share our response with the Revdex.com as no signed third party authorization was received. 
Please close this case on your records.

SunTrust has responded to our client on August 28, 2014 but cannot share our response with the Revdex.com as no signed third party authorization was received. 
Please close this case on your records.

[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]
Customer contacted Revdex.com and said that this complaint has been resolved.

Re: Revdex.com complaint# [redacted] Ms. [redacted] SunTrust has responded to our client but cannot share the response with the Revdex.com as no...

signed third party authorization waa 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.
As in my previous note, you did not respond to the question as to what you found in my account which caused you to close my account after you had reviewed it, I want to know what you found after review which caused you to close my account. 
Regards,
[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 note that Suntrust contacted me directly and assumed fault with the account and provided a $150.00 credit for the trouble they caused 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,
Amy Motto

[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. This business had my information since they mailed me a solicitation, yet refuse to tell me if they have removed me from their contact info, so thanks for that, and I will never do business with this company.
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.

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.
 
Kathy B[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.
Late payment status still reflects on my Transunion, Experian and Equifax credit report. Please have those status removed . 
Thank you,
[redacted]

On 10/4/2016 I had a conversation with a branch manager at the [redacted] at the [redacted] shopping center in Vienna, VA.
There was some confusion as to whether or not one of the employees misled my son and open an account under his name. He believed he was just giving exploratory information to potentially open an account. The employee said she just needed his personal info to "hold" his place in the promotion. The employee then opened an account in his name. He gave no money, nor did he sign any account agreement. When I, as his mother, went to inquire about this process and to get documentation the account which was open under false pretenses was indeed closed, the manager refused to let me speak. Insulted my son saying he should have known better. When I asked her to stop interrupting and let me speak, she said "Go for it" in a rude manner. Further, she said she trusts her employees and my son was not truthful. She would not let me speak and never apologized for the misunderstanding. In fact, she embarrassed me and refused to let me speak. Given the nature of the offense (opening an account without a signed account agreement or money to open the account), this was fraud. The account is closed now, but that does not excuse what happened.

We responded to [redacted] by letter on September 29, 2014. If you have any questions about our response, please contact [redacted].
Sincerely,
[redacted]
Vice President and Manager

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 will forward you the third party authorization they asked for ASAP
Regards,
[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.
 
William *. H[redacted]
Group Vice President, Client Advocacy Management Office
SunTrust Bank

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.