American Summit Inc. DBA Summit Realtors

Dear [redacted]:
We have received and reviewed your correspondence that was forwarded to our office from the Revdex.com (Revdex.com) regarding the above referenced loan. We appreciate the opportunity to look into the issue raised and to provide a response to you.
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Thank you for bringing to our attention the problems you experienced with the servicing of your loan. It is always SunTrust's aim to provide superior service and we regret that you felt your experience was unsatisfactory. On behalf of SunTrust, we apologize for the manner in which your payment was handled and for any inconvenience this caused you.
Unfortunately, the funds were inadvertently misapplied to a different account. On August 12, 2014, we posted the $5,400 principal payment to your loan with an effective date of July 30, 2014, as you intended. Since we have fully corrected this error, we respectfully decline your request for monetary compensation.
[redacted], if you have any questions regarding your loan, please contact our Client Services Department at [redacted], Monday through Friday from 8 am to 8 pm and Saturday from 9 am to 3 pm., ET. If you have any questions regarding this letter, you may contact our Mortgage Escalations Resolution Team at [redacted], Monday through Friday from 8 am to 6 pm., ET.
Sincerely,
[redacted]
Officer
Mortgage Escalations Resolution Team

Re: Revdex.com complaint # [redacted] SunTrust is currently reviewing the client's concerns and formulating a response. If...

possible. please extend this case and we will contact you as soon as a response is mailed.

Revdex.com:
I will review the offer by mail 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]
Best Regards,
[redacted]

We have received and reviewed your correspondence forwarded to us from the Revdex.comregarding our decision to close your above referenced account. I appreciate theopportunity to respond.According to our Rules and Regulations For Deposit Accounts, which is provided ataccount opening and is...

available on our website suntrust.com (see About Us--+FeeSchedules--+Deposit Account Disclosures), "the Bank may close your Account at any timeand for any reason or for no reason without advance notice." [redacted] are pages 22 and23 of our Rules for your review.Your account was placed in a "no debit" status and in the process of being closed afteryou deposited a check for $9,000 that was credited to the account on July 7, 2015.1understand that, after you discussed your account with Ms. [redacted]manager of the [redacted], she was able to assist you with keeping the accountopened.When you spoke with Ms. [redacted] on July 16, 2015, she confirmed your accountwas active. In addition, she was able to reset your online banking and verified that yourdebit card was working.Mr. [redacted], we are pleased that we were able to assist you. If you have any questions, donot hesitate to contact us via your Online Banking Profile, call 800.SUNTRUST[redacted] or visit any SunTrust branch. Our representatives will be glad to help you.Thank you for banking with SunTrust.

We have responded to [redacted] by letter on December 19,2014.If you have any questions about our response, please contact [redacted].Sincerely,[redacted]

Re: Revdex.com complaint# [redacted] SunTrust has responded to our client but cannot share the response with the Revdex.com a& 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.
Over draft fees are charged for items that cause your account to go into the negative. My account at that time was not ever shown as being in a negative state.  If that was the case then when the item in question was presented for payment why was the bank showing my account as having a positive balance. Although the items they quoted were on hold previously it appears that the hold was release and I'm still charged an over draft fee. Never once did my account show unavailable funds.
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]

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: [redacted] Revdex.com Case [redacted] We responded to Mr. [redacted] by letter on February 12, 2015. If you have any questions about our response, please contact Mr. [redacted]. Sincerely, [redacted]...

[redacted] Executive Services

[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]

[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]

Dear [redacted]We have received your correspondence regarding the above
referenced case. However, you did not included a signed authorization form from
[redacted]. Therefore, we are unable to provide you with a copy of our response
to [redacted] dated July 30, 2015. Upon receipt of the signed...

authorization form,
we will gladly share a copy of our response with your office.[redacted], if you have any questions regarding this letter,
you may contact our Mortgage Escalations Resolution Team at [redacted], Monday
through Friday from 8am to 6pm ET.Sincerely [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]
Assistant Vice President - 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.[ST:XCL]

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 see that a total of 360 has been credit from 10/27
I think it would be fair to bring my account current is for more fees to be credit 
my neg bal is 250.16 I iwll put that in when account is credit at least 150-160 back
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]
Assistant Vice President - Client Advocacy Office 
SunTrust Bank | Take a step toward financial confidence. Join the movement at onUp.com.
[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.

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 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 representative is incorrect, my promotion that I signed up for had nothing to do with the [redacted]. I Have know idea about this information. This was not what i signed up for. Representative has given false information. She hasn't even given the correct information for what I signed up for. Sun trust needs to honor the promotion.
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.  11px;">Please close this case on your records.

September 27, 2016 [redacted]  [redacted]  [redacted]  [redacted]  Verdana; font-size: 11px;">Re: Loan Number: [redacted] Property Address: [redacted] Case Numbers: [redacted] and [redacted] Revdex.com Case Number: [redacted] Complaint Number: complaint-[redacted] Dear Mr. and Mrs. [redacted]: We have received and reviewed the correspondence that was forwarded to our office from the Revdex.com (Revdex.com) and the [redacted] ([redacted]) regarding the above referenced account. We appreciate the opportunity to look into the issue raised and to provide a response to you . Our records reflect that your account closed in August 2014. The enclosed Servicing Disclosure Statement that you signed at closing, informed you that during the servicing of your account it could be assigned, sold, or transferred to another servicer while the loan has an outstanding balance. On June 1, 2016, SunTrust Mortgage, Inc. (SunTrust) purchased your account from [redacted], [redacted]. Enclosed is a copy of the SunTrust Welcome letter. We have reviewed the enclosed payment history we received from [redacted], [redacted] and determined your account was transferred with the correct outstanding principal balance of $162,697.34 and escrow balance of $226.69. We have also enclosed your SunTrust payment history. On June 10, 2016, we received and posted $2, 100.00 as the June 2016 payment of $2,091 .82 and a principal payment of $8.18. On June 17, 2016, you were sent the enclosed Mortgage Account Statement showing the application of the payments and the next payment being due on July 1, 2016. On July 12, 2016, we received and posted $2, 100.00 as the June 2016 payment of $2,091.82 and a principal payment of $8.18. On July 19, 2016, you were sent the enclosed Mortgage Account Statement showing the application of the payments and advised that the next payment was due on August 1, 2016. On July 26, 2016, your account was analyzed and it was determined you had a surplus of $493.56. A SunTrust check for $493.56 was attached to the bottom of the enclosed Initial Escrow Account Disclosure Statement. Effective October 1, 2016, your monthly payment changed to $2,091.50. On August 12, 2016, the enclosed Mortgage Account Statement was sent to you . Based on the new billing statement cycle, the billing statement was produced prior to the receipt of your August 1, 2016 payment. The billing statement reflected the loan was due for August 2016 and provided you information on the next payment due in September 2016. On August 15, 2016 we received and posted the August 2016 payment of $2,091 .82 and a principal payment of $8.18. On August 17, 2016, you were sent the enclosed letter informing you that we updated our records so that you can receive both paper and electric statements. SunTrust Bank, Member FDIC. [redacted] Lorral A. [redacted] September 27, 2016 Page 2 On September 8, 2016, a Mortgage Account Statement was sent to you prior to the posting of your September 1, 2016 payment. The enclosed billing statement showed that the account was due for the September 2016 payment with the next payment being due in October 2016. On September 9, 2016, we received and posted the September 2016 payment of $2,091 .82 and a principal payment of $8.18. Please be advised that you may review your current mortgage account information anytime through our [redacted] at: [redacted]. Our records show that you have paid as agreed and no late fees has been assessed to the account. As of the date of this letter, the next payment is due on October 1, 2016. We are sorry to learn that you believed that SunTrust employees may have engaged in unprofessional and discourteous behavior. We certainly apologize if you were left with an unpleasant experience. If you should have any questions regarding the servicing of the account, please contact the Client Services Department at 800.634.7928 Monday through Friday from 8 a.m. to 8 p.m. or Saturday from 9 a.m. to 3 p.m. ,ET. If you have any questions regarding this letter, you may contact our Mortgage Escalations Resolution Team at 855.223.4640, Monday through Friday from 8 a.m. to 6 p.m ., ET. Sincerely, Wanda H[redacted] Officer Mortgage Escalations Resolution Team