American Summit Inc. DBA Summit Realtors

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]

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

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]

We have responded to [redacted] by letter on January 9, 2015.If you have any 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.
 
Seth A. M[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 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.
[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]

We responded to [redacted] letter on April 15, 2014. If
you have any additional questions about our response, please contact [redacted].
Sincerely,
[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!

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

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.

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]

[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 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

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]

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]

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:
SunTrust has requested that I send them a copy of the junk mailing I received from them,...

so in other words they are still unable to locate my name and information in their database.  I recycled it quite a while ago and no longer have it.  I will close this case and if/when I receive more junk mail from them I will reopen the case and send them a copy. 
Regards,
[redacted]

Dear Ms. [redacted]:We have received and reviewed your correspondence forwarded to us from the Revdex.comregarding overdraft fees assessed to your above referenced account. I appreciate theopportunity to respond.Our records show that, on June 30, 2015; your account had a balance of $86.32....

Apending item in the amount of $23.00 payable to [redacted] reduced thebalance to $63.32. During processing, three debit card items were presented for payment.Purchases from [redacted] for $26.13 and [redacted] for $25.67 were paid, reducing youravailable balance to $11.52. The purchase from [redacted] for $14.06 was paid with aninsufficient balance, and a $36.00 overdraft fee was assessed. Your end-of-day balancewas negative $38.54.On July 2, 2015, the beginning balance was negative $15.54. The previously pending itempayable to [redacted] tor $23.00 was presented and paid against aninsufficient balance, with a $36.00 overdraft fee assessed. The end-of-day balancebecame negative $74.54. In addition, on July 7, 2015, an extended overdraft fee of $36.00was assessed since the account remained in a negative status for five consecutivebusiness days. A Direct Deposit on July 8, 2015 brought the account to a positive balance(statement copy [redacted]).Based on this information and that items were presented for payment against insufficientbalances, we have determined that the assessed fees are valid. However, as a courtesy,on July 22, 2015, we refunded $108 in overdraft charges that will be reflected on yournext statementIn response to your claim that SunTrust bank holds your Direct Deposit, our recordsindicate that the Direct Deposit in the amount of $167.25 from the State of Maryland hadan effective date of July 8, 2015 This date is determined by the sender, and SunTrustcannot make the funds available to you until the effective date as instructed by thesender. If you have any questions about your Direct Deposit, please contact that agencyfor additional information.Concerning debit card transactions, once a debit transaction is authorized 1 a hold isplaced on the client's account reducing the available balance. Funds on hold for pendingdebit card transactions cannot be used for other purposes even though the transactionhas not posted against the account.Generally, it can take between two to five business days for debit card transactions to bepresented for payment and permanently post to the account. For this reason, clients mustmaintain accurate account records noting all authorized debit transactions, includingpending and credits to determine their available balances. Detailed informationconcerning this matter is included on pages 17 and 18 of our Rules and Regulations ForDeposit Accounts ([redacted]) and on our website suntrust.com (see About Us-+FeeSchedules-+Deposit Account Disclosures).We want to be sure that you are aware of our website, which contains helpful informationon how to manage your account and avoid fees (see Banking-+ PersonalChecking-+Account Features-+Overdraft Services-+Facts About Banking).As a suggestion, you may want to set up Overdraft Protection, whereby a protectoraccount is linked to your transaction account to cover any shortfalls. Detailed information,including any fees, about this service is found on our website. You may also monttor youraccount by using our Online Banki.ng service and receive Email or Mobile Alerts when thebalance gets too low or becomes overdrawn. Instructions for signing up for these servicesare also found on our website and when using our Online Banking service.Ms. [redacted], we hope the Information provided is helpful to you. If we may be of furtherassistance, please do not hesitate to contact us via your Online Banking Profile, call[redacted] or visit any SunTrust branch. Our representatives will beglad to help you. Thank you for banking with SunTrust.