American Summit Inc. DBA Summit Realtors

[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: SunTrust Debit Cards ending in [redacted] and [redacted] Revdex.com (Revdex.com) Case [redacted] Dear Ms. [redacted]: We have received and reviewed your correspondence forwarded to us by the Revdex.com regarding security holds placed qn the above referenced...

cards. We appreciate the opportunity to respond. You indicated that, as a flight attendant, your occupation demands travel to all parts of the UnIted States, We certainly understand that security blocks on the cards issued for your use to access funds in your SunTrust accounts can be frustrating and cause you concern. You have requested that we permanently remove any blocks on your cards. SunTrust recommends, but does not require, that clients notify us In advance of domestic travel. The purpose of this recommendation is to minimize the possibility that a client's transactions will be flagged as potentially fraudulent because of a change in the geographic transaction pattern for that client. It is common practice in our industry to monitor card-based transactions for potential fraudulent activity. In some instances, a change in the geographic pattern of a client's transactions can be an indicator of fraud and can result in a hold being placed on the card. When we are made aware of a client's travel plans, we can take that information Into account when interpreting What otherwise may appear to be out-of·the-ordlnary transactions for purposes of fraud monitoring. Our records reflect that a notice has been placed on your account stating you frequently travel the 50 states for work. While this notice is in effect for debit card usage In different locations, the system also notes spending patterns, and we cannot· guarantee that a security block will never be placed on your cards. [redacted] January 2, 2015 Page 2 To further protect against the inconvenience of unexpected security holds, SunTrust has recently provided clients the opportunity to receive fraud alert texts 24 hours a day in conformity with the Telephone Consumer Protection Act. You may sign up for  these fraud alerts the next time you sIgn on to your Online Banking Account. The texts can alert you to suspected fraud on your account or debit card and will provide a telephone number to call to release any security hold if the transaction was not fraudulent. We regret that you feel you did not receive the excellent service that you expect and deserve when you contacted us regarding the security hold placed on your account. We show the account was unblocked as you requested; however, the next transaction resulted in a new block being placed. Your feedback is important to us, and your comments about this matter were forwarded to the appropriate management areas, Ms. [redacted], you are a valued client, and we hope this information is helpful to you. If you have any additional questions or concerns, 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. Thank you for banking With SunTrust. Sincerely, [redacted] Officer Client Advocacy Team

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]Thank you for your inquiry concerning your
account with SunTrust Bank.According to our research, the
transaction(S) in the amount of $1,500.00 conducted on 2/24/2015 was complete
and valid. There were no errors in the transactions(s).Based on this information, we are...

unable
to honor your claim for the transaction(s).Should you have any questions or require
additional information, please contact our office at [redacted].You may wish to review the Rules and Regulations
for Deposit Accounts as applicable to regulation E. including provisions about
your rights to obtain records on which this decision was based.

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

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

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 re~elved. Please close this case on your records.

Dear Ms. [redacted]: We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding a legal hold that was placed...

on your above referenced account. We appreciate the opportunity to respond . When SunTrust is served a levy against one of our clients, we are required by law to comply with the court order. This order requires us to hold assets up to the total amount due on the levy. Please be assured that decisions to levy clients' accounts are made by the courts. not SunTrust. SunTrust complies with all applicable federal and state laws regarding the processing of levy actions. Your deposit account is governed by our Rules and Regulations For Deposit Accounts and our Personal Deposit Accounts Fee Schedule, copies of which are provided at account opening and on our website suntrust.com (see About us~Fee Schedules.....,.Deposit Account Disclo$ures). Enclosed is a copy of page 24 of our Rules which details our legal process against accounts. Our records reflect that, on April 3,, 2015, SunTrust Bank received a Notice of Tax Lien from the. Commonwealth of Virginia Department of Taxation for $3,757.59 and a legal hold was placed on your account. On May 29, 2015, the release order from the Commonwealth of Virginia Department of Taxation dated May 28, 2015, was received by our Garnishment and Levy Department, and the hold was released. It appears the previous releases were faxed to an incorrect fax number. Ms. [redacted], your satisfaction is important to us, and we ask that you allow us the opportunity to regain your confidence. If you havs any questions about your account, please 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 help you. Thank you for banking with SunTrust. Sincerely, [redacted] Assistant 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[redacted], and find that this resolution would be satisfactory to me.
 
I have gotten a response from Suntrust.  Though I continued to experience several situations of miscommunication between their own employees, I was finally able to receive my debit card for my checking account.  Also, I found out the reason for my card being canceled initially.  What I still haven't received is the reason for all the miscommunication between their own employees and why they aren't on the same page as far as the process for dealing with my kind of situation.  I have also not received an apology.  Regardless, I am satisfied with their response and I would like to close this case with Revdex.com.
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.
[Provide details of why you are not satisfied with this resolution.]
The reason I'm not satisfied, when I'm late with my payment, I get charged late fees, but when the bank is late I'm supposed to take the results and accept it
Sun Trust representatives repeated to me, the process would take 30 to 45 days. I received the title June 23, 2015, that was 95 days. While waiting for this title,
I was being charged 5 dollars a day storage fee because I didn't have the title to get the car registration. There are also the late fees Sun Trust charged on the
account. I repeat, I get charged when I'm late but Sun Trust pays no penalty for being late
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. I give any authorization for the bank to release my personal information.
[Provide details of why you are not satisfied with this resolution.]
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. I appreciate the opportunity to respond.Our records show that three items from [redacted] posted to your
account against an unavailable...

balance between July 23 and July 28, 2015. These
items were for $8.00 on July 23, $6.95 on July 27, and $1.99 on July 28, 2015.
While a $36.00 overdraft fee was assessed for each of the first two items, no
fee was assessed for the last transactions because it was under $5.00. Although
we do not show that [redacted] credited there items to your account, we have
refunded $72.00 in overdraft fess as a courtesy.If you would like for us to set up a fraud claim for you
regarding the [redacted] transactions please call our Fraud Assistance Center at
[redacted]. They will research the disputed transaction and respond to you with
their findings.[redacted], I hope the information provided is helpful to you.
Should you have any questions or concerns, please feel free to contact us via
your Online Banking Profile. Call us at [redacted] or visit any SunTrust branch.
Our representatives will be glad to assist you.  Sincerely,[redacted]

Dear Mr. [redacted]: We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding the allocation of monthly...

payments to your above referenced account. We appreciate the opportunity to respond . We regret you were not satisfied with the service you received when you contacted us about the extra payments not being applied to principal as you requested. Please be assured your comments concerning this matter were forwarded to the appropriate management area . The information you have provided helps us to know where the emphasis tor future training and process improvement efforts should be placed . Your account has been reviewed, and all payments have been corrected (copy of payment history enclosed). In addition, we have notated your records to apply all extra payments as principal. Mr. [redacted], we hope the information contained in this letter will alleviate any further concerns. If you have any questions or need further assistance, please contact us via your Online Banking Profile or call us at 800.SUNTRUST (800.786-8787) . A representative will be glad to help you. Sincerely, [redacted] Assistant Vice President Client Advocacy Team

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.
Suntrust is not doing anything for me.  I had the $72 before I filed this complaint.  If they value me as a customer, they would give me my money back.  However, it appears that Sun Trust values the money they took from me more than me as a customer.
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.
[Provide details of why you are not satisfied with this resolution.]
Regards,
[redacted]

Dear
Ms. [redacted]:We
have received and reviewed your correspondences forwarded to us from the Revdex.com and
the CFPB regarding the posting of items and overdraft fees charged to the
account referenced above. I appreciate the opportunity to respond.Our
records show that, on July 25, 2016,...

overdraft fees were caused when eight debits
totaling $1,361.34 ($421 – [redacted], $400 - Check [redacted] $360 – Check [redacted] $85.78 –
Check [redacted], $35.42 – [redacted], $32.00 – [redacted], $19.15 – [redacted] and $7.99 - [redacted]),
paid against an available balance of $1,003.06. Given that there were not
enough funds to cover all of the items, your account was assessed six overdraft
fees totaling $228. Based on this information, we have determined that these
fees are valid. However, as a courtesy, we refunded [redacted] overdraft fee on July
26, 2016. We respectfully decline your request for additional refunds. [redacted]
is a statement copy for your review.The
posting order of your items is in accordance with our Rules and Regulations For Deposit Accounts. [redacted] is page 17 of our Rules for your review. Our
Rules are provided at account opening and on suntrust.com (see Menu?Personal
Checking Accounts?Features and Benefits?Overview Guides and Disclosures?Deposit
Account Disclosures). SunTrust acts in accordance with all State and Federal
laws and regulations and denies the allegations of wrong doing.Also,
regarding debit card transactions, once a debit card transaction (ATM
withdrawal or purchase) is authorized, a hold is placed on the client’s account
reducing the available balance. Funds on hold for pending debit card transactions
generally cannot be used for other purposes, even though the transaction has
not posted against the account.  Typically,
it can take between two to five business days for debit card transactions to be
presented for payment and permanently post to the account. For this reason,
clients must maintain accurate account records noting all authorized
transactions, including pending debits and credits, to determine their
available balances. Detailed information concerning this matter is included on page
18 of our Rules ([redacted]).In
order to decrease the chances of overdrafts 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.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 this service is found on our website (see Menu?Small Business
Banking?Optimize Cash Flow?Overdraft Protection). Instructions for signing up
for Overdraft Protection and setting up email or mobile alerts are also found
on our website.Ms.
[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.

Dear [redacted]
We have received and reviewed your correspondence forwarded
to us by the Revdex.com regarding fees on the above referenced account. We appreciate
the opportunity to respond.
Our records reflect that on October 7th your beginning
balance was...

$874.54, five items totaling $874.54 were posted to your account
that date and then six debit card transactions were presented for payment against
unavailable funds. These six transactions were all authorized prior to October
7, 2014 and when they were presented for payment they were paid with each item
receiving a $36 Overdraft Fee. On October 8, 2014, two debit card transactions
were also authorized prior to October 7, 2014 and two more $36 Overdraft Fees
were assessed.
Concerning debit card transactions, once a debit transaction
is authorized, a hold is place on the client’s account reducing the available
balance. Funds on hold for pending debit card transactions cannot be used for
other purposes even though the transaction has not posted against the account.
Generally it can take between two to five business days for
debit card transactions to be presented for payment and permanently post to the
account. For this reason, clients must maintain accurate account records nothing
all authorized debit transactions, including pending and credits to determine
their available balances. Detailed information concerning this matter is
including on page 17 and 18 of our Rules and Regulations for Deposit Accounts
([redacted]) provided at account opening and on our website [redacted])
Our records further indicate that you accepted Overdraft
Coverage for your account on August 17, 2010. Information regarding Overdraft
Coverage and the related fees are explained on the last page of our fee
schedule, a copy of which is [redacted].
[redacted] you are a valued client and we hope this information
is helpful to you. As a courtesy, we refunded the two Overdraft Fees assessed
on October 8, 2014, for a total refund of $72.00. You will see this refund on
the [redacted] snapshot statement of your account. If you have any additional questions,
please call us at [redacted]. One of our representatives will be glad to assist
you. Thank you for banking with SunTrust.
Sincerely,
[redacted]

SunTrust has responded to our client today by telephone, but cannot share the details of our response with Revdex.com as no signed 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.
Suntrust's response was in fact "no response". as they have not received a third party auth. I have not personally received any communication from Suntrust so as far as I am concerned the matter remains unresolved. This has been the typical treatment received from Suntrust and I don't expect to hear from them. To my knowledge the US mail is still operating
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.
What you state is partially true and partially untrue.  I did place a payment to the account titled
escrow only, and you are correct that I provided an address to where the
payment was to be sent.
You are partially correct in saying “the service sends the
funds”.  Let’s be clear, when we say, “the
service “ we are talking about SunTrust’s bill payment service, and the mistake
which you call unfortunate, is to me reckless and irresponsible. Also, I would
like you not only correct your error, but have your database administrators filter
your bill pay script, so this error does not occur again. So far I am not
seeing that you are making that correction, which again comes across to me as financially endangering.
 It is also partially
correct because you do not provide a check to the monthly mortgage account but
you use an [redacted] wire transfer, so your insinuation that the mistake was a matter
of sending to the wrong address is not applicable. One account is an electronic
transfer the other is a check. The facts are Escrow accounts have no electronic
transfer ([redacted]) and are sent via check to the address provided.  I have 2 Escrow only accounts with you, and
you have correctly sent checks on 2 other occasions.  
And it is completely incorrect that the $150 was “sent as ordered”,
nor did the funds re[redacted] the Escrow as I directed.  Your statement there is complete false.  I order the payment be sent to the Escrow account
at the address I provided; instead you electronically transferred $150 to the monthly
mortgage account. You cannot pay the account of your choice.  No, the funds did not re[redacted] the correctly
order account, so your statement saying it did in also false. If it had re[redacted]ed
the Escrow account we would not have this conversation.  You have yet to get that done. You still have
not paid the Escrow only account which is payable at the address I provide for
you.
 Since you made the
error it is your responsibility to correct it. Please do so immediately.
Regards,
[redacted]