American Summit Inc. DBA Summit Realtors

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

[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: [redacted] Revdex.com Case [redacted] We responded to Mr. [redacted] by letter on April 23, 2015. If you have any questions about our...

response, please contact Mr. [redacted]. Sincerely, [redacted] Vice President and Manager Executive Services

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.
 
Sherry R. F[redacted]
Vice President, Client Advocacy Management Office
SunTrust Bank

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.

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

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]

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]

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]

[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]

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 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]

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.

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 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

We have responded to [redacted] by letter on January 9, 2015.If you have any questions about our response, please contact [redacted].Sincerely,[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.]
I was told my money was being held until may 2 2016.. Was still not given explanation as to why ., call customer service to see if it would be available sooner was told no may 2 2016 still no explation as to why ... I want my money released immediately...
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.
 
Seth A. M[redacted]

Dear [redacted]:
We have received and reviewed the correspondence that was forward to us form the Revdex.com (Revdex.com) regarding the above referenced loan. We appreciate the opportunity to respond.
We have reviewed your concerns about the negative information on your credit report...

regarding loan [redacted]. We are required to report credit information accurately to the credit reporting agencies to which we report ([redacted], [redacted], and [redacted]). Our review revealed that your January 1, 2014 payment in the amount of $[redacted] was received and posted in February 18, 2014. [redacted] is a copy of the check that we received which reflect a date of February 13, 2014. The next payment in the amount of [redacted] was received on March 18, 2014 and posted as your February 1, 2014 payment. Since your payments received were over 30 days late the credit reporting is accurate, therefore, a change will not be submitted to the credit agencies.
A of the date of this letter, the next payment is due on March 1, 2014 for loan [redacted].
Our records also reflect that loan [redacted] was paid as agreed. The loan is currently due for the April 1, 2014 payment.
We have [redacted] a Customer Account Activity Statement for both loans from January 1, 2013 to the current date.
[redacted], if you have any questions regarding this letter, you may contact our Mortgage Escalations resolution Team at [redacted], Monday through Friday from 8 a.m to 6 p.m ET. If you have any servicing questions, please contact our Client Service Department at [redacted] Monday through Friday 8am to 8 pm, or Saturday from9 am to 3 pm ET.
Sincerely,
[redacted]