American Summit Inc. DBA Summit Realtors

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]

The online banking portal reads "temporarily unavailable" over sixty percent of the time. I am basing this estimate over 30 + login attempts at various times spanning the last 3 months. The issue is not temporary but rather cronic in nature. Two separate contacts to Suntrust describing this issue have been in vain.

see attached

Re: Student Checking Account ending in [redacted] Revdex.com (Revdex.com) Case [redacted] Dear Ms. [redacted]:  Verdana; font-size: 11px;">We have received and reviewed your correspondence foiwarded to us from the Revdex.com regarding SunTrust's decision to close your account referenced above. Your comments are very important to us and were shared with the appropriate management team. I appreciate the opportunity to respond. SunTrust strives to provide exceptional service with each and every client interaction and we understand that we did not meet these expectations in this situation. For that we apologize. The information you provided helps us to know where emphasis for future training and process improvement efforts should be placed. We learn how and where we can improve from clients like you, taking the time to share your experiences. The decision. to close this account was a business decision made by SunTrust, as explained in the November 19, 2015 letter from Fraud Risk Management (copy enclosed). We have reviewed this matter again, and our position remains the same. A check (copy enclosed) that you deposited on November 10, 2015, for $2,950 was returned from [redacted] as unable to locate account. On the same date, your account was assessed a $12.50 Deposited Item Returned Fee. In addition, because there were not sufficient available funds in the account when the check was returned, your account was assessed a $36.00 overdraft fee. You will receive under separate cover a check for $36.00 for the fee that was assessed. Check 16527113 for $377 .58 was mailed on November-23, 2015 to the address of record . This amount represents the balance that was in your account on November 19, 2015 (statement copy enclosed). Ms. [redacted], should you have any other questions, please call Fraud Risk Management at 800.447.8994. A representative will be glad to help you . Sincerely, Diane E[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.
[Provide details of why you are not satisfied with this resolution.]
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.
Dear SunTrust:
Today I received the response from SunTrust regarding my checking account that they closed. It is very upsetting to that I have gone back and forth over almost a 6 month period with you and there has been absolutely no change. I see in the letter that SunTrust has the right to deny doing business with anyone who they choose. At this point after seeing that you have absolutely no regard for your costumers I wouldn't choose to do business with SunTrust and I definitely would not recommend anyone to do it either.
People place their money in Banks not only for the convenience that they will have but mostly because it’s been widely advised for safety factors. Carrying plastic is better than carrying cash, and holding large amounts of money in your home could make people potential targets for home invasions. I trusted my money (no matter how small of an amount) to be safe within your bank because that’s what banks are supposed to do. Before the point where my account was compromised, there were no bounced checks, there were no patterns of my account going into the negative on a regular basis. I tried to conduct good business with SunTrust. The moment when SunTrust was supposed to show me why SunTrust is better than any other bank out there….the moment when SunTrust was supposed to protect my interest, it simply didn’t. In fact although I am the victim, I then became the suspect, and then punished for a crime I had not committed. Instead of trying to find the perpetrator or apologizing for what happened to me, you placed me in a situation where none of your associates could provide me with any information and in limbo trying to figure out how something like this could happen.
Not one but two of your employees, the first lady I spoke to on the phone when I realized that a scam was happening on my account, then a SunTrust representative who called in response to my Revdex.com claim both acknowledged that this type of crime against deposit accounts are common and there have been a rise in these type of claims in recent years. So if there has been a rise in claims SunTrust must then know it is possible for this to happen to me. 
 Your well wishes for me to have success in my future investment endeavors are empty. Not only have you closed my account but you also have reported me to check systems making it hard for me to even attempt to move on from this nightmare I have been living in the last couple of months. How can I move on if I can’t even open another account? I am a stay at home mom that can’t even do business. Do you even care that I have two children and am struggling to make things work because the conveniences of having a checking account you have robed me of? 
Am I satisfied with this response, NO! Do I accept this offer, NO! It would have been nice to get my money back but at this point like I told your SunTrust Representative when she called and promised to get to the bottom of everything because this is something she sees a lot, I only want my name off check systems. Take my name off of check systems and this will be resolved.
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.
I received a voicemail on April 28th stating who my case was assigned to and that I would receive a call from that individual, but never received a call from anyone. Technically Suntrust has not responded to "their client" since there was no contact made to discuss this matter. 
Regards,
[redacted]

I requested a personal loan from SunTrust. They explained loans are handled by their subsidiary/partner - [redacted]. Within an hour of my request, I received a very simple electronic loan application. I filled it out in about 5 min. There was one area that needed clarification and I was requested to call them. I did. I was happy that I did not have to go through a long sequence of press 1 for x, 2 for y, etc, The "real person" I spoke to was friendly, knowledgeable and understandable (not outsourced to foreign country) I received confirmation same day, got a great loan rates, and I will have money deposited in my account tomorrow! This was so refreshing - absolutely great customer service. Thanks you!

Re: Everyday Checking Account ending in [redacted] Case [redacted] Revdex.com (Revdex.com) Case [redacted] Dear Ms. [redacted]: We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding the denial...

of your above referenced case and the service you received when inquiring about this matter. We appreciate the opportunity to respond . We regret that you were not satisfied with the service you received when you contacted us about the charge that was debited from your account. Please be assured your comments concerning this matter were forwarded to the appropriate management area. We understand that we did not meet your expectations in this situation and regret any inconvenience caused. Our records show we set up Case [redacted] on February 14, 2015, when you contacted us to dispute a February 13, 2015 charge from [redacted] for $1, 116.50. A copy of your [redacted] Rental Agreement that included your account number is enclosed for your reference. We reviewed your case again and based on the information you provided, your case was denied, as explained in the February 26, 2015 letter from our Fraud Assistance Center (copy enclosed). If you want to continue the dispute, we encourage you to contact [redacted], as it appears you thought they would be responsible for the charges. 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 consumer reporting agencies. This communication is an attempt to collect a debt and any information you provide, whether written or verbal, will be used for that purpose. However, if your debt is discharged in bankruptcy or you are protected by the automatic stay in a bankruptcy proceeding, SunTrust recognizes that you may not be liable for this debt and this letter is not an attempt to collect a debt but is being sent for notice purposes only Ms . [redacted], we hope the information provided is helpful to you. If you have any questions or need further assistance, please contact our Fraud Assistance Center at [redacted] A representative will be glad to help you. Sincerely, [redacted] Assistant Vice President Client Advocacy Team

Dear [redacted]
We have received and reviewed your correspondence forwarded to us by the CFPB and the Revdex.com regarding your recent loan application, We appreciate the opportunity to respond.
Our records reflect that you applied for a line of credit for your business...

on August 6, 2014. As part of our review, we asked for additional business and tax information in support of your application. Your application for the line of credit was declined on August 24,2014 (copy of decline letter enclosed). The reasons for the decline are noted in the letter. While we understand your frustration with the decision, we must adhere to underwriting guidelines that are industry standards. With every loan request, SunTrust tries to find a way in which to provide lending to our clients. When applications for credit are received, established guidelines are followed in reviewing the application information and determining the approval or decline of credit. These guidelines are designed to provide fair and equal treatment to all applicants.
It is SunTrust's policy to offer and extend its banking products and services, including credit products, to any qualified applicant in a fair, responsible, equitable, and nondiscriminatory 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 costs and fees associated with such products. Our gioal is to provide value ts our clients, protect thejr 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, clear, and accurate; and listen to our clients' expressed needs.
We provide comprehensive training to our employees and we 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.
We regret that you were not satisfied with the seruice you received during your visits to our-Elliot Citi Branch and Enchanted Forest Safeway Branch in August. Please be assured your cbmmentg concerning this matterwere forwarded to the appropriate management area. Our records indicate that you closed your Primary Business checking Account on August 29,2014.
[redacted], we regret any frustration caused by this matter. Should you have any banking questions, please call us at [redacted]. One of our representatives will be glad to assist you.
Sincerely,
[redacted]
Officer

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,I have not got any response from the company at all they do not care about the customer at all they pick and choose who they want to falsely accuse people bank have the power to mess with people live
[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.
[Provide details of why you are not satisfied with this resolution.]
As I mentioned earlier, the whole point of the account is wrong info put in my account so that I forfeit the regulations. For instance, if I am US citizen, then you declare I am a british so that I could not get the offer, don't you find it hilarious?
Now though the fact is by internal resolution center, I got promo back, but for my wrong info under my account, withhold my tax in error and not be able to return me. Putting so much difficulties on me, I feel shameful with SunTrust Service.
I feel bad and frustrated about Suntrust Survey & Solution. Hopefully Suntrust has some sincere to make a composentation. I feel so disappointed on this huge financial institution.
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.The company has refused to admit any fault in its policies or sub standard training for its employees.  Furthermore, just today I was levied two further overdraft fees for charges which did not put my account into a negative balance with a third soon to be added from a third pending charge that, under normal circumstances would also not have place my account in a negative amount.  This is highly suspicious behavior so soon after lodging my complaint against them for this very act. Until this is resolved, my money refunded, and I am no longer a customer with this miserable company will I accept any offer from them other than complete liability.
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]

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]
Officer, Client Advocacy Office
SunTrust Bank
Take a step toward financial confidence.
Join the movement at onUp.com
 
[redacted] 
[redacted] 
[redacted]
 
 
LEGAL DISCLAIMER The information transmitted is intended solely for the individual or entity to which it is addressed and may contain confidential and/or privileged material. Any review, retransmission, dissemination or other use of or taking action in reliance upon this information by persons or entities other than the intended recipient is prohibited. If you have received this email in error please contact the sender and delete the material from any computer. By replying to this e-mail, you consent to SunTrust's monitoring activities of all communication that occurs on SunTrust's systems. SunTrust is a federally registered service mark of SunTrust Banks, Inc.

SunTrust has responded to our client with a breakdown of the
redemption amount for the repossessed vehicle. The client requested a refund of
the $400 fee included in the redemption amount. This amount is NOT a fee and
will not be refunded; this amount was a principal balance...

reduction applied to
th e vehicle loan.
Please close this case on your records.

Dear Mr. [redacted] : We have received and reviewed your correspondence forwarded to us from the CFPB and the Revdex.com regarding SunTrust's...

decision to close your above referenced account. I appreciate the opportunity to respond. As we discussed during our telephone conversation on December 18th, we reviewed the matter again and the decision to close your account was reversed. Access to your funds was made available to you on December 19, 2015. Mr. [redacted] , I apologize for any inconvenience this situation may have caused . Should you have any 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, Sherry [redacted] Vice President Client Advocacy Team

Dear Ms. [redacted]: We received your correspondence regarding the above referenced case. However, you did not include a signed...

authorization form from Mr. [redacted]. Therefore, we are unable to provide you with a copy of our response to Mr. [redacted] dated May 3, 2016. Upon receipt of the signed authorization form, we will gladly share a copy of our response with your office. Ms. [redacted], if you have any questions regarding this letter, you may contact our Mortgage Escalations Resolution Team at 855.223.4640, Monday through Friday from B a.m. to 6 p.m., ET. Sincerely, Wanda H[redacted] Officer Mortgage Escalations Resolution Team

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.
While I am glad SunTrust got back to me, the issue is they still owe me money. There were two opened claims they never resolved and I never asked for any claims to be cancelled. One for $1500+ for Apple Store, and one for ASOS for $330. Please send me a check for those claims. Thank you! 
Regards,
[redacted]