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.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]

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

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.

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.

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]

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]

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]

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,

[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.

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]

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.]
they use re sequencing of transaction , specially on weekends as means of reaping vast revenues. 
A bank manager told em last week that even though I closed the account (last week) that any transation would automatically reopen teh account.  I have edited all account to not use suntrust again  and after a direct deposit that will happen next week I will make sure the account is closed permanently.
I did have overdraft unitl only 10 days ago , if the rep looked , which I closed as the overdraft protection gave more fees than letting an overdraft caused.  Instead of one hit I would get 3 hits
.
A quick gogle search wil show that there are many who have had outrages overdraft fees and that they manipulate transaction sequences to ro their client.  I have filed with the FTC about thier thievery.   I wish this comment stay one the record and not eb deleted as satisfied.
After some automaic deposits occur this month I
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.I will forward you the third party authorization they asked for ASAP
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 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]

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

This is a written complaint with SunTrust. On November 8th, I had an over draft of $4.43, so I call to ask why was $16.93 taken as an overdraft from my savings. Well, I was a little upset and asked to speak with a supervisor. She came on the phone with a worse attitude than me. And for punishment she cancelled my overdraft protection. Now HOW WRONG IS THAT????

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.

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.

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.

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 has finally given me a reason that they denied my fraud claim; however, I still did not receive documentation of how they came up with this decision.  I requested this documentation initially on July 31, 2015 when I initially discovered that Suntrust had denied my claim.  They included the initial letter that was never sent to me, but no documentation of why other than my PIN was used in the fraudulent transactions.  The bank is still holding me accountable for fraud against me, even though they advertise that my debit card has 0% fraud liability.  I am not a criminal, and it is unacceptable for Suntrust to treat me like I am.  
After I received Suntrust's response, I spoke to the detective from the [redacted] that was working on my case.  He has reopened the case and resumed communication with the bank investigator.  It seems that Suntrust does not understand that PINs can be compromised just as debit card numbers can.  The detective mentioned that he has had this issue with the investigator from Suntrust before.
Regards,
[redacted]

February 18, 2014
[redacted]
[redacted] 
[redacted]
Re: Revdex.com Serving Central Virginia (Revdex.com) Case [redacted] SunTrust Academic Answer Student Loans
Dear [redacted]:
We have received and reviewed your...

correspondence forwarded to us from the Revdex.com
regarding your five student loans and your wish to consolidate them at a lower interest
rate and payment. We appreciate the opportunity to respond.
According to our records, you have five Academic Answer loans that were granted for
use when you attended [redacted]. Currently, your loans are
serviced by [redacted] account number ending in [redacted].
In June 2013, [redacted] was informed that you had graduated from the university. Your loans
then entered a six-month grace period on June 15, 2013 with your first payment due in
January 2014.
In December 2013, you requested a modified payment plan whereby you would pay the
interest due only; we agreed. This month's payment was due on February 16, 2014 for
$473.93, the monthly combined amount due on all of your SunTrust loans.
On Februa'ry 17, 2014, [redacted] received a forbearance request from you, and it is currently under review. Our servicer will notify you if the forbearance request is approved. Please note that there is only 12 months of forbearance time that can be used over the life of the loans.
We received your request for a [redacted]) application
on January 9,2014. The [redacted] is a credit based loan, and unfortunately you did not
meet the credit criteria in order to qualify for the consolidation of your loans. [redacted]
is a copy of the adverse action notice mailed to you dated January 9, 2014.
Two of your five Academic Answer loans have cosigners. We do offer a program that allows a cosigner to be released, however this program reqUires that the initial 48 consecutive principal and interest payments be made on time before you can apply to have a cosigner released from your loan obligation. Since you are currently repaying your debt with an interest-only plan I please note these interest-only payments will not count towards the 48 principal and interest payments required to apply for release of any co-signer. After you have made 48 consecutive on-time principal and interest payments you can submit an application to release the cosigner from your loans. At that time, SunTrust will evaluate your credit to determine if you qualify to have your cosigner(s) released from your Academic Answer loans.
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 products 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.
[redacted], if yOll have any questions. please do not hesitate to call our servicer, [redacted], at [redacted] Monday through Friday from 7:30 a.m. to 9:00 p.m., Eastern Time. A representative will gladly respond.