American Summit Inc. DBA Summit Realtors

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]
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 but cannot share the...

response with the Revdex.com as no signed third party authorization was received.
 
Please close this case on your records.
 
Haywood L. B[redacted]
Officer
Wholesale Client Advocacy Research & Resolution Team
 
[redacted]
[redacted]
[redacted]
[redacted] [redacted]
[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]

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

blocks placed on your debit card referenced above. I understand the difficulty this type of situation can cause and regret any frustration you experienced. I appreciate the opportunity to respond. Our records show that a test transaction for $1 .00 from Western Power Sports was submitted to your account on January 13, 2016. However, you had done business with this merchant on a regular basis in the past, and payments to the merchant were honored; therefore, the test transaction appeared to be suspicious. For this reason, we placed a block on your debit card to protect you from potential fraudulent activity. Because you have notified us that transactions received from [redacted] are valid, we have noted your debit card accordingly. We apologize for any inconvenience this matter caused. You requested compensation for your time while trying to resolve your concerns. We respectfully decline your request, as we do not provide compensation for time spent resolving issues. Mr. [redacted], I hope the information contained in this letter will alleviate any further concerns. If you have any questions regarding your account, please do not hesitate to contact us .at 800.SUNTRUST (800.786.8787) or visit any SunTrust branch. A representative will be glad to assist you . Sincerely, Haywood [redacted] Officer Wholesale Client Relations and Support 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'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]

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.

[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]

We have received your 
correspondence forwarded to us by the Revdex.com in regards to the response we
sent to you on May 6, 2014. We appreciate the opportunity to respond.
We believe that we have fully addressed the issues you presented
with regards to our decision to close you accounts in that response ([redacted]). We understand your frustration; however, based on our Rules and
Regulations, which were noted in our response, we found that the case was
handled properly.[redacted], we regret that you were not satisfied with the
response, however, the decision to close the above referenced accounts remain
the same. If you have any other questions, please call out Fraud Assistance
Center at [redacted].  Our
representatives would be glad to speak with you.

Re: [redacted] Revdex.com Case [redacted] We responded to Ms. [redacted] by letter on March 18, 2015. If you have any questions about our response, please contact Ms. [redacted]. Sincerely, [redacted] Vice President and...

Manager Executive Services

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 information Sun Trust Bank offered was not an actual response to the above mentioned claim but only asking for third party authorization to respond?  I am consenting that Sun Trust Bank provide a response to this complaint to the Revdex.com on my behalf to resolve overdraft fees charged to my account for the month of April 2016.
Regards,
[redacted]

We responded to [redacted] letter on April 15, 2014. If
you have any additional questions about our response, please contact [redacted].
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.
 
Sherry R. F[redacted]
Vice President, Client Advocacy Management Office

Dear Mrs. [redacted]: We have received and reviewed your correspondences forwarded to us from the CFPB and the Revdex.com regarding fraudulent...

activity on your above referenced account. We appreciate the opportunity to respond. Our records show that you notified us on October 23, 2015 to dispute three debit card purchases. We set up Case [redacted] for the total of $1,046.60 for the three [redacted] purchases ($211 .79, $416.59 , and $418.22) posting on October 27, 2015. These transactions are shown on your October 31, 2015 statement (copy enclosed). During our initial investigation we determined that no error occurred, and your case was denied as stated in our October 30, 2015 letter (copy enclosed). We reviewed your case again and determined the case was declined in error. The claim was approved, as stated in our November 16, 2015 letter (copy enclosed). Your account was credited $1 ,046.60 on November 13, 2015 (copy of your November 30, 2015 statement enclosed). Mrs. [redacted], we do apologize for any inconvenience this situation may have caused. If you have any questions or concerns regarding your accounts, 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. Thank you for choosing SunTrust for your financial needs. Sincerely,Cora-S[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.
As stated on Page 2 of the response I should have received a check for $36.00, "You will receive under
separate cover a check for $36.00 for the fee that was assessed."  and did not get that. I would like to know where this check is. 
For them to date the letter December 11, 2015  I did not receive this letter at all. But if they say they sent it then so be it.
Regards,
[redacted]

I recently had a car loan thru SunTrust. When it came time for my automatic payments to come out of my checking account, they took 3. I called and the gal said they had a "glitch" in their system. In the mean time after several calls at about a half hour each, they told me it will take 3 weeks for them to send a check. 3 WEEKS for an error on their part. So with that, I was so mad I went thru another bank and paid off SunTrust hoping to never hear from them again. So my account is 0 as of today...they went off and took another 3 payments from my checking account! My loan is at 0! And they are still taking my money. Please...DO NOT BANK HERE! I will need to take more time off of work to deal with this and figure out what to do with more that $1000 that is missing from my account for a loan that is paid in full. Will be filing complaints as well wherever I can!

Dear [redacted]:
We have received and reviewed your follow-up correspondence forwarded to us from the Revdex.com regarding the closure of the above referenced account. We appreciate the opportunity to respond.
As noted in my prior correspondence to you (copy enclosed), your accounts with SunTrust are governed by the Rules and Regulations for Deposit Accounts, which does not require advance notice or further details regarding the Bank's decision to close an account.
[redacted], while we understand that you do not agree with our position, we are unable to provide any further details regarding the accounts closure. If you have any other questions, please don't hesitate to call [redacted] ([redacted]) or visit any SunTrust branch. Our representatives 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 from the Revdex.com regarding the posting of items to the account referenced
above. We appreciate the opportunity to respond:Our records show that, on May 19, 2016, your account had a
balance of $1,030.27, but...

there were two items pending payment (ATM cash
withdrawals for $202.49 and $400), reducing your available balance to $427 .78.
Four transactions totaling $471.66 were presented for payment against this available
balance, and the account was assessed two 436.00 overdraft fees totaling
$72.00.Subsequently, on May 31, 2015, your account had a balance of
$179.01. Eight transactions totaling $253.16 were presented for payment against
this available balance, and six $36.00 overdraft fees were assessed, totaling
$216.You mentioned a pending deposit, our records do not show any
deposit credited to your account on the dates of the overdrafts. We show
deposits made on May 20, 2016 and on June 1, 2016, however, the overdrafts occurred
on May 19 and May 31, 2016.Bases on this information, we have determined that these
fees are valid. However, as a courtesy, we refunded two $36.00 overdraft fees
for a total of $72 to your account on June 2, 2016. Enclosed is a statement
copy reflecting the above activity.The posting order of your items is in accordance with our
rules and Regulations for Deposit Accounts. Enclosed are pages 16 and 17 of our
Rules for your review. Our rules are provided at account opening and on
suntrust.comAlso regarding debit card purchases, 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.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 noting
all authorized transactions, including pending debits and credits, to determine
their available balance. Detailed information concerning this matter is
included on page 17 and 18 of our rules.In order to decrease the chance of overdraft happening again,
please visit, please visit suntrust.com, where you will find helpful tips on
how to manage your account and avoid fees. 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. Instructions
for signing up for Overdraft Protection and setting up email or mobile alerts
are also found on our website.[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
you financial needs.Sincerely,[redacted]

Dear [redacted]:We have received and reviewed your correspondence forwarded
to us from the Revdex.com regarding the assessed annual fee from your [redacted]
World Debit Card referenced above and an ATM deposit that occurred in 2013. I appreciate
the opportunity to speak with you and am glad to...

provide this written follow
up.On August 12, 2014, our records show that you called us to
report that your [redacted] World Debit Card has been compromised. A new
[redacted] card was opened on that day with notations that the annual fee was waived
for the new anniversary date of August.We also show that on December 4, 2014, you visited our [redacted] and updated were made to your checking account. The [redacted] card
is not offered with our Essential Checking product. For the reason, you were
automatically sent a Classic Debit Card. When you received the Classic Debit
card, you contacted us stating you wanted to keep your [redacted] card. Therefore,
on December 11, 2014, a [redacted] debit card was reissued to you with
notes indicating that the annual fee would be waived. Unfortunately, on August
12, 12015, we assessed the $95 annual fee to your checking account. To correct
this error, we issued a $95.00 credit to your account on August 26, 2015.The annual fee for the [redacted] World Debit Card is
disclosed in the [redacted] Terms and Conditions for [redacted]8 Debit Cards. The terms
and Conditions are provided at account opening and available at suntrust.com.
In addition, these Terms and Conditions were provided to existing clients by
direct mail dated May 15, 2015. Since your card was opened before July 25, 2015
and is not associated with a Signature Advantage Account, the current annual
fee is $95.00. Going forward, an annual fee will be assessed.We also discussed an ATM deposit made on April 13, 2013 to
now closed Account ending in [redacted] in which you received a credit of $1.00 for a
cash deposit of $50.00. On September 21, 2015, we issued a credit to your
account ending in [redacted] for $49.00. I apologize for the untimely credit of this
deposit.Your comments regarding these matters were shared with the
appropriate management areas. We understand that we did not meet your expectations,
and we are sorry for any inconvenience caused.[redacted] your satisfaction is important to us, and we ask
that you allow us the opportunity to regain your confidence. If you have any
questions or concerns regarding your accounts, please do not hesitate to
contact us via your Online Banking Profile, call us at [redacted] or visit any
SunTrust Branch. A representative will be glad to assist you. Thank you for
banking with SunTrust.Sincerely,[redacted]