American Summit Inc. DBA Summit Realtors

On May 11, 2016, we sent a request to the submitter requesting additional information regarding her deceased fathers accountAs of the date of this fax, we Verdana">have not heard from *** *** Please close this case on your records

Dear Ms***:We have received and reviewed your
correspondence forwarded to us from the Revdex.comregarding overdraft fees assessed on
your above referenced accountI appreciate theopportunity to respond.Our records indicate your account has
become overdrawn numerous times
sinceJanuary (*** *** *** *** *** *** ***)Based on our review,fees assessed to your account are
accurate according to our Fee Schedule providedat account opening (copy ***)As a
courtesy, on July 27, 2015, I have refunded$in fees that will be reflected on
your next statement.Regarding our posting order, detailed
information can be found on pages and 17(***) under Checks and Debits in
our Rules and Regulations For DepositAccounts and on our website
suntrust.com (see About Us--+Fee Schedules--+DepositAccount Disclosures), you agree that we
may credit items to and debit items from yourAccount by either posting such items
from largest to smallest dollar amount or byusing any other methods and order of
posting which we choose in our sole, unilateralabsolute discretionItems are posted
from largest to smallest during processing on thesame day.Concerning debit card transactions, once
a debit transaction is authorized, a hold isplaced on the client's account reducing
the available balanceFunds on hold forpending debit card transactions cannot
be used for other purposes even though thetransaction has not posted against the account.Generally, it can take between two to
five business days for debit card transactions tobe presented for payment and permanently
post to the accountFor this reason,clients must maintain accurate account
records noting all authorized debittransactions, including pending and
credits to determine their available balancesDetailed information concerning
this matter 1s included on pages and of ourRules and Regulations
for Deposit Acoounts (***}
and on our website.Ms***, we hope the information
provided is helpful to youIf you have anyquestions or ooncerns regarding your
account, please do not hesitate to contact us viayour Online Banking Profile, call us at
800.SUNTRUST (800.786.8787) or visit anySunTrust branchOur representatives
will be glad to help youThank you for bankingwith SunTrust

Re: Revdex.com complaint #10447934 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

Thank you for sending the authorization for release if
informationSunTrust responded to our client by telephone.In our conversation with the client we discussed the
following:The client opened his account on July 20, and SunTrust
closed his account on July 21, During the
review process a business
decision to close this account.We suggested he contact the Early Warning System (EWS) at
*** *** *** for additional informationThe client told us he had already done
so and was not satisfied with their response.We apologized and told him that we will not be able to open
an account for him at this time

We have received and reviewed your correspondence forwarded
to us by the BB regarding fees that we assessed to your checking accountWe
appreciated the opportunity to respond
You indicated you were not clear what your daily balance was
on the above referenced
accountThe account balance is updated on our
overnight processing, giving you a balance at that timeHowever, please
understand the available funds in your account may be affected by the approval
of check card purchased that had not been presented for payment
Our records reflect that your available balance on May
was *** as you had an approved purchased of *** that had not yet postedOn
May 6, 2013, four check card transactions were presented and paid on the above
account; ** approved on May 3, 2014, ** approved on May 2, 2014; ** approved on
May 4, 2014; ** approved on May 3, These four items were paid against insufficient
funds and as a result you incurred a ** overdraft fee for each item **On May
8, the account had a balance of negative **Two items were presented for
payment on may against a negative balance causing two ** overdraft fee,
total **
Concerning check card transaction, once a check card debit
transaction is authorized, a hold is placed on the client’s account for the
amount of the transaction, which reduces your available balanceFunds on hold
for pending check card debits cannot be used for other purposed even thought he
transaction has not posted against the account
Generally, it can take between two to five business days for
check card transactions to be presented for payment and permanently post to the
accountFor this reasons, clients must maintain accurate account records
nothing all authorized debit transactions, including pending and credits to
determine their available balancesDetailed information concerning this matter
is included in page of our Rules and Regulations for Deposit Account
(***) and on our website *** (***)
Our records reflect that you accepted overdraft coverage for
your accountYou may want to consider updating you account to decline
overdraft coverage to help you avoid overdraft feesDeclining overdraft
coverage means that we w ill decline ATM and everyday debit card transactions of
your available balance is not sufficient to cover the amount of the
transactionHowever, this method does not apply to checks, payments made via
online banking, automatic bill payment, ACH debit transactions or recurring
check card transactions that are presented for payment
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 LawsSunTrust is committed to fairly representing its products and
services and honestly and transparently disclosing the associated costs and
feesOur goal is to provide value to our clients, protect their interests, and
assist them in selecting the products or services that meet their needsTo that
end we scrutinized our disclosures to ensure that they are clear and understandable;
verify that information provided comprehensive training to out employees and
perform ongoing monitoring to ensure compliance with Consumer Protection Laws
and RegulationsWe take allegations of unfair, deceptive, or abusive acts and
practices seriously and do not tolerate these actions from any employee
** *** You are a valued client and we hope that this information
is helpfulAs a onetime courtesy, we have refunded the *** in fees that you
were recently assessedIf you have any additional questions regarding your
account please call us at ***One of our representatives will be glad to
assist

Revdex.com:
I have reviewed the offer made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear belowThe check sent for January shows to have been cashedSee *** photo from my bank
Regards,
*** ***

Re: Revdex.com complalnt *** 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

Revdex.com:
I have reviewed the offer made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
I appreciate the time that Suntrust took to provide an answer; however; this is babbling jargonI have contacted the President, ** *** *** with Suntrust on the list as I expect this inquiry to be removedI was not informed of any specifics that my credit was being bounced all over like a ping pong ball gone wild and this avenue of business is unacceptable to meI financed cars with my credit union, only after I discovered that the cars were ran through numerous finance company's. This entire financing process with the dealer has been total heartacheI DO NOT accept Suntrusts answer regarding the way purchasing an automobile company works in financingI understand exactly how they work and it's unethical and damaging to the consumers credit reportsonce I was able to get actual facts of where the cars were financed I qualified at my credit unionThis form of guerilla tactics is shamefulSuntrust, you have your hand in it too! If in fact, you would've financed the vehicle, you would've received a kick back since you're contracted with Erdman MotorsHowever' you apparently didn't find me worthy and chose to deny while ruining me with a hard hit on my credit report
I was worthy to finance with my *** *** which didn't even bother hitting my credit again because my history with them explains all they needed to know about meEither way, I want the inquiry removedYou have been a part of a behind the scenes plan at dealerships to wear a consumer down, leave them sitting for hours without any answer whatsoever on what is going on- only to end up after dark with some finance guru's that explain nothing but also know that the consumer is so exhausted that they can pass anything in front of them to get out the door
I want the inquiry removed! Under the ***, you are legally required to report accurate information if you report the information, you are however, not legally obligated to report information under the ***, unless, you have a contract with the credit bureau's that's behind the door tactics too
Please do not patronize me with the *** rights and your rights as a contracted company with ErdmanI know my rights and I am the one that has been violated and I'm the one that has taken a hard hit on my credit reports that is adversely effecting me as I type thisSo, instead of quoting rules, religions, or anything else, please remove the inquiryThere is no point in you ruining my life
Regards,
*** ***

Revdex.com:
I have reviewed the offer made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear belowIn their response, Sun Trust States that they have no WRITTEN statement from me in which I listed a specific rate at which I would authorize them to make the transfer What they Continue to ignore, however, is the fact that their own employee, ***, the branch manager in ***, has CONTINUALLY ADMITTED TO HAVING RECALLED my having recalled the Rates my bank would have been giving me AND that I told her IF they would be using a similar rate, THEN they should go,ahead and transfer the money It was totally clear, at least by implication for anyone with the slighest amount of intelligence, that if another lower exchange rate was going to be applied, then I should be contacted and asked for further instructions
What reall infrarotes me is the fact that not only did *** admit to having recalled the Rates I mentioned, SHE HAS ALSO ADMITTED that SHE DIDN'T EVEN BOTHER to inquire what exchange was going to be used, thus depriving me of the opportunity to make a more informed decision Again, whether she chose to do so out of incompetence, negligence, or willful Intention is a question I cannot answer
What galls me even more is that *** *** doesn't even choose to address these legitimate claims I am making Not once has she Adressen the wrongful handling of this whole matter by her branch manager in *** Furthermore, while she points out the instructions she says she was given by the lawyer *** ***, I would like to take this opportunity to point out that *** *** is NOT my lawyer and that either he normte branch of Sun Trust in *** had written instructions from me regarding anything, one way or the other
Please repsond
*** ***

Dear ** ***:
We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding the closure of the above referenced accountWe appreciate the opportunity to respond
Your accounts with SunTrust is governed by the Rules and Regulations For
Deposit Accounts, a copy of which was provided to you at account opening and is available on our website suntrust.com (see About Us- Fee Schedules- Deposit Account Disclosures)Enclosed is page of our Rules which provides that we may at any time in our discretion, close the Account without advance notice to the DepositorIn accordance with these Rules, and as a result of an account review, we made the decision to discontinue our banking relationship
On June 10, 2014, we sent a letter to you (copy enclosed) to inform you that your accounts will be closedWe then mailed Official Check *** (copy enclosed) to you on July 11, for the balance in the account, which was $
While our goal was to provide a prompt response to you, we understand that we did not meet your expectations in this situationWe are always concerned with improving our service, and your feedback is appreciated
** ***, we hope the information provided is helpful to youIf you have any other questions, please don't hesitate to call *** (***) or visit any SunTrust branchOur representatives will be glad to help you
Sincerely,
*** ***
Assistant Vice President
Client Advocacy Team

Revdex.com:
I have reviewed the offer
made by the business in reference to complaint ID***, 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 no record of a message or resolution sent to me from the companyThe attachment says to close the case and we have not received any resolution at this time
Regards,
*** ***

[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 ***, and find that this resolution would be satisfactory to meI will wait for the business to perform this action and, if it does, will consider this complaint resolvedIf the company does not perform as promised I can get back to you at: ***
Regards,
*** ***

Re: Revdex.com complalnt # *** (*** ***) SunTrust has responded to our client but cannot share the responee with the Revdex.com
"">H 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 ***, and find that this resolution would be satisfactory to meI will wait for the business to perform this action and, if it does, will consider this complaint resolvedIf the company does not perform as promised I can get back to you at: ***
Regards,
*** ***

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID ***, 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,
*** ***

Revdex.com:
I have reviewed the offer made by the business in reference to complaint ID***, and find that this resolution would be satisfactory to meI will wait for the business to perform this action and, if it does, will consider this complaint resolvedIf the company does not perform as promised I can get back to you at: ***
Regards,
*** ***

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
The only response I received was a name of the case manager "Sheri ***" who was assigned and reviewing my case. Sheri has not communicated or provided any correspondence to me. Upon receiving this message I have called and left a voice mail with Sheri *** but have not received a return call
Regards,
*** ***

Re: Revdex.com complaint# *** *** *** 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 Ms***: We have received and reviewed your correspondences forwarded to us from the CFPB and the Revdex.com regarding a deposit made
to the account referenced above and the processing of your online bill paymentI understand this has been a frustrating situation for youand I regret any inconvenience causedThank you for the opportunity to respond. Our records show that, on December 31, ~' you made a mobile check deposit for $to the account (copy enclosed)During the review process of the deposit, we determined that a hold needed to be placed on the account for $due to the reason noted on the Notice of Hold (copy enclosed), which we sent you on January This Notice of Hold also advised when the funds would be made availablePlease be assured that all of our clients' deposited checks may be subject to these types of holds, and all proper guidelines were followed in placing the hold on your account for the deposited check. When you contacted us about the deposit hold, I am sorry that our representative incorrectly advised you that you could cash the check before the hold was releasedAfter we were notified that you had cashed the check, the $deposit was reversed from your account on January 13, (statement enclosed)Because you did receive the funds from cashing the check, our deduction on January 13, was accurate and will remain . Concerning your on line payment to Steeplechase for $530, we show you set it up on January 4, 2016, a check was issued on January 7, 2016, and it was paid from your account on January 12, (copy enclosed)Unfortunately, we found no record of your request to stop the paymentHowever, as a courtesy, we have refunded the $in returned item fees assessed to the account on January and 25, This refund will be reflected on your next statement. Your comments about the quality of service you received are very important to us and were shared with the appropriate management teamSunTrust strives to provide exceptional service with each and every client interaction and we understand that we did not meet these expectations in this situationFor that we apologize. The information you provided helps us to know where emphasis for future training and process improvement efforts should be placedWe learn how and where we can improve from clients like you, taking the time to share your experiences. Ms***, I hope this information is helpful to youIf we may be of further assistance, please don't hesitate to call 800.SUNTRUST (800.786.8787) or visit any SunTrust branchOur representatives will be glad to help you. Sincerely, ~~~ Sherry ** *** Vice President Client Advocacy Team

[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***, and find that this resolution would be satisfactory to meI will wait for the business to perform this action and, if it does, will consider this complaint resolvedIf the company does not perform as promised I can get back to you at: ***
Regards,
*** ***