American Summit Inc. DBA Summit Realtors

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]

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.

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.]
I was charged $108 the day of my payroll with no explanation on why I was charged then held my funds for two days for another transaction when the funds were in the account at that time and charged me $72 for that all I'm asking for is a refund for $180 because these charges are not correct this is not the first time suntrust has over charged me with overdraft fees that I had to be reimbursed for I work hard for my labor and I'm a single mother  those charges caused me to leave were I was staying because I could not pay and on top of that I had too turn too churchs and different organization for food because I was unable too have access too my account because of these false charges I need my refund.
[redacted]

SunTrust has responded to our client but cannot share the response with the Revdex.com as no signed third party authorization was received.  11px;">Please close this case on your records.

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????

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]

SunTrust responded to our client [redacted] on 7/2/14 via...

phone and the following was discussed.
72/14- Spoke to the client and informed her a s a courtest I will refund the annual fee applied to her unsecured credit line for 2013 and 2014 if she agrees to go in to the branch and sign a form to have her unsecured line of credit connected to her checking account as overdraft protection. Informed the client once she has this completed the annual fee will be waived going forward as long as they are both open. The client was very happy

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 November 17, 2014.
If you have any questions about our response, please contact [redacted].
Sincerely,
[redacted]

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.How is possible for a bank to block a business debit card every other day for a month and not care about a customer complaining about this? Also how is possible for Mr B working at this bank not to see all the blocks placed on this card? There was another block on our card yesterday! This is unacceptable and I wanted this publicly posted for all suntrust customers to know what can expect. Sure suntrust doesn't pay for his mistakes it's the cusomer paying all the time (in this case my time wasted every other day with a long wait in line for customer service)
[Provide details of why you are not satisfied with this resolution.]
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. If the company does not perform as promised I can get back to you at: [redacted]
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.My account was positive until the one transaction from [redacted] came through and made the account in negative. Like I said, I am fully aware of this and I have no issues making a payment to cover the [redacted] transaction and one overdraft transaction. If Suntrust does not approve my transaction once the account is negative I see no reason why Suntrust kept accepting additional transactions, while the account is severely negative, to cover other payments if the account is on negative. Once again, these are ill practices that are wrongly done by Suntrust in order to gain financial advantage from their clients. There is 1 transaction that I will pay and that is [redacted] and one overdraft fee. 
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.

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.
[Provide details of why you are not satisfied with this resolution.]
Regards,
[redacted] Good morning,
My complain t has not been resolved. Suntrust Bank keeps insisting they reported accurately that I am late while it is their fault for not advising me that ny auto pay was short and the on line auto pay for an additional $500 for principal deduction([redacted])  did not go through. There was no correspondence whatsoever from April to end of August and they admitted so and they waived the late fee.
My credit should be restored
Thank you
[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 issue was not addressed.  I did not authorize two payments be withdrawn from my checking account to be applied to my loan and no one at Suntrust could tell me why or how this was done.  I made every attempt to have the issue resolved but Suntrust was unable to do anything for two days.  The dealership did call for a payoff of the loan before the issue was resolved.  I can provide the name and date of the Suntrust representative if needed.  
Suntrust has cost me out of pocket money and I would like reimbursement.  Had Suntrust not taken it upon itself to take an unauthorized installment from my account this would have never been an issue.
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.
 
F. Diane E[redacted] - Client Advocacy Office 
SunTrust Bank | Take a step toward financial confidence. Join the movement at onUp.com.
[redacted] 
 
.
 
 
 
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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.

[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]

Thank you for forwarding [redacted] signed authorization form
to SunTrust. Attached is a copy of our response being mailed to her today.
Dear [redacted]
Thank you for your correspondence forwarded to SunTrust from
the Revdex.com regarding SunTrust’s authorization to make a credit
inquiry on your behalf. We appreciate the opportunity to respond.
Our records shoe that [redacted] forwarded your
request for financing to our Dealer Financial Services Department in January
2024. When SunTrust receives an application for credit, we are required to
process the application, whether received directly from you or from a
dealership through which you are attempting to purchase and finance an
automobile, even if you are listed as the co-signer. [redacted] is an
approved SunTrust dealership, and applications we receive from them are taken
in good faith and presumed to be submitted with your authorization in
accordance with the terms of their contract with SunTrust. Consent from you to
the dealer was provided with the online loan application that was completed,
either orally or in writing. Accordingly, SunTrust takes the position that it
was fully authorized and otherwise required by law to process your application
and access you credit report in order to do so.
[redacted] is a copy of our letter to you dated February 1,
2014, explaining why we were unable to approve your request for financing.
[redacted], we hope this information has been helpful. If you
have any additional concerns with respect to the number of financial
institutions that made credit inquiries, please contact the dealership
directly.
Sincerely,
[redacted]