American Summit Inc. DBA Summit Realtors

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

decline the fraud claim referenced above. I appreciate the opportunity to respond. Our records show that, on January 1, 201 6, we called and left a message for you to verify transactions from [redacted]. We did not receive a call back from you verifying the transactions. For this reason, a block was placed on your debit card. On January 3, 2016, you called to file a dispute for unauthorized debit card purchases from [redacted], and a case was opened for you. Provisional credit was provided In the amount of $310.87 on January 8, 2016. Our research indicated that you had participated with the merchant in the past, and the claim was denied. The provisional credit was debited from the account on January 21, 2016. A Rebuttal Form was sent to you on January 19, 2016; however, you have not returned the completed form. In addition to information contained in our records, we have researched your case again based on the information you provided. Following this review, our decision to decline the case will remain, as explained in the January 13, 2016, lener from our Fraud Assistance Center (copy enclosed). Mr. [redacted], I understand this is not the resolution you were seeking from SunTrust and regret any difficulty this situation may cause. Should you have any questions or new information regarding this case, please call our Fraud Assistance Center at 800.447.8994. A representative will be glad to speak with you. Sincerely, Seth A. M[redacted] Officer Client Advocacy Officer

Re: Select Checking Account ending in [redacted] Revdex.com (Revdex.com) Case [redacted]  11px;">Dear Mr. [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, on February 16, 2016, your account balance was $435.23. Seven items were presented for payment. Five debits totaling $420.45 ($335.95 - T•Mobile, $24.98 - [redacted] 1 $24.28 - [redacted], $18.00 - [redacted] and $17.24 - [redacted])· were paid, making the available balance $14.78. The debits for $15.48 to [redacted] and $13.86 to [redacted] were paid against insufficient funds. Your account was assessed two $36.00 overdraft fees totaling $72.00. A $36.00 extended overdraft fee was assessed on February 22, 2016 when the account was in an overdrawn status for five consecutive business days. Based on this information, we have determined that the overdraft fees charged are valid. However, as a courtesy, we refunded a total of $108 in overdraft fees ($36.00 on February 17, $36.00 on February 23 and $36.00 on March 1, 2016). I have enclosed a statement for your review. 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 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 balances. Detailed information concerning this matter is included on pages 17 and 18 of our Rules and Regulations For Deposit Accounts (enclosed). The Rules are provided at account opening and also found on suntrust.com (see Banking__.Overview Guides and Disclosures--1oDeposit Account Disclosures). In order to decrease the chances of overdraft fees happening again, please visit suntrust.com, where you will find helpful tips on how to manage your account and avoid fees (see Banking ~ Overview Guides and Disclosures----> The 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 Personal Banking ~ Checking Account Features~ overdraft Services). Instructions for signing· up for Overdraft Protection and setting up email or mobile alerts are also found on our website. Mr. [redacted], I hope this information is· helpful to you. Should you have any additional questions or concerns regarding 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 assist you . Thank you for banking with SunTrust. Please join our movement toward financial confidence at onUp.com . Sincerely, Kathy B[redacted] Officer Client Advocacy Office

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.I was contacted by [redacted] of SunTrust Customer Advocacy Depth by voicemail on 20 May and told that I would be contacted by someone named [redacted] within 10 days to discuss the issues reported to the Revdex.com and to SunTrust Customer Service.  I have not been contacted by anyone to date nor have I received the referenced letter mailed to me in the attachment to my complaint.  I would also mention that they seemed to have spelled my last name incorrectly in the letter attached to this complaint. 
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.
 
Kathy B[redacted]
Officer, 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]

Dear [redacted],
We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding an extended overdraft fee that was assessed to your above referenced account. We appreciate the opportunity to respond.
When you opened your account you were...

provided a copy of our Personal Accounts Fee Schedule (copy enclosed) which discloses the extended overdraft fee. An
extended overdraft fee is assessed when an account is overdrawn for seven consecutive calendar days. If the account is positive by the encl of the seventh
consecutive day, an extended overdraft fee will not be assessed on the next business day. To avoid the fee, clients need to bring the balance positive by cut off time on day seven. SunTrust begins counting on the first day the account is overdrawn, keep in mind that weekends and holidays count as part of the seven day count. On  September 22, 2014 your account balance was negative. In order to avoid the fee, a deposited needed to be made by cut off time on September 28, 2014. Since a deposit was not made, on September 29, 2014 the $36.00 fee was assessed. Our records reflect that, as a courtesy, the fee was refunded on October 14, 2014.
The extended overdraft fee overdrew your account, which left you with a negative balance of $20.91. Therefore, when the transaction for $13.98 was presented for
payment there were not sufficient funds in the account to pay the item and the account was assessed a $30.00 overdraft fee. This left you with a negative balance of $70.89. As a courtesy, the overdraft fee was refunded on October 7, 2014.
In reference to the $4.11 maintenance fee that was assessed, please let me explain. There is a $7.00 monthly maintenance for the Everyday Checking Account if you do not have a qualifying direct deposit or do not maintain a $500 minimum daily collected balance. This is disclosed on the attached Fee Schedule. For the statement period of August 21 through September 19, 2014 you did not meet either of the requirements. On September 19, 2014,the closing date of your statement period, your account balance was $4.11. Since the account balance was less than $7.00, we only debited $4.11 for the maintenance fee.
The credits for the transaction from [redacted] were credited to your account on October 2, ($.01) and October 7, 2014 ($13.97). We.regret that your debit cards were not closed when you requested. We show that all debit cards are now closed.
[redacted], we hope the information provided is helpful to you. If we may be of further assistance, please don't hesitate to call [redacted] or visit any SunTrust branch. Our representatives will be glad to help you. Thank you for banking with SunTrust.
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]

SunTrust has responded to our client but cannot share our response with the Revdex.com as no signed client authorization form was received.
Please close this case on your records.

We have received and reviewed you correspondence forwarded
to us from the Revdex.com regarding overdraft fess assessed to your above referenced
account. We appreciate the opportunity to respond.You stated that, due to a personal event, you were assessed
$468 in overdraft fees between June 29 and...

July 7, 2015, and you requested a
refund of all or part of these fees. We reviewed your account and verified
there were no bank errors that occurred when assessing fees to your account.
Based on this information and that items were presented for payment against insufficient
balances, we have determined that the assessed overdraft fess are valid will
remain.Your August 28, 2015 statement ([redacted]) shows that since
the beginning of 2015, we have assessed a total of $1,476 in overdraft fees and
a total of $144 in returned item fees. As a courtesy, this year we have
refunded a total of $108 in overdraft fees and total overdraft and returned
item fee waivers of $72.00. Please note that no overdraft fess are assessed for
paid items under $5.00. for your review, enclosed is our Personal Deposit
Accounts Fee Schedule which is provided at account opening and on our website
suntrust.comWe understand how frustrating it can be when a personal
event impact your account and cause overdraft. As a suggestion, you may want to
set up Overdraft Protection, whereby a protector account is linked to your
transaction account to cover any shortfalls. Detailed information, including
any fees, about this service is found on our website suntrsut.com. You may also
monitor your account by using our Online Banking service and received Email or
Mobile Alerts when the balance gets too low or becomes overdrawn. Instructions for
signing up for these services are also found on our website and when using our
Online Banking service.

[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]

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.12/09/2016 - Still awaiting decision on the credit account. One call was made by rep telling me they needed more time. After a response from a [redacted] post, they clarified their procedures but this still doesn't account for why it has taken 3 months to get a response from them. Still highly unsatisfied with this bank. In Feb it will be two years that we've held this account. Until I get a decision this case should remain open.
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.
The letter I received stated in summary they understand that we were advised that we wanted our bank atm cards to not work if there were non sufficient funds however we later took part in overdraft protection which canceled out the prior understanding of a stop on our debit atm cards if there were non sufficient funds. The problem is that we were never made aware of such and therefore how can we or any customer know without being made aware that it would cancel out the block on debit card use if non sufficient funds. I feel this is just an excuse and the amount of money that was taken from our account in fees was excessive and price gouging.
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.

Dear [redacted]:We have received and review your correspondence forwarded to
us from the Revdex.com regarding overdraft protection for your checking account
referenced above. I appreciate the opportunity to respond.Our records indicated that, on October 22, 2015, your
checking account became...

overdrawn and six $36.00 overdraft fees were assessed
([redacted]). At that time, your credit card account was linked to your
checking account for the purpose of overdraft protection. However, your credit
card account was over the credit limit, resulting in no available funds for
overdraft protection.When you called to inquire about the overdrafts and
overdraft protections, you learned that your credit card was the protector
account for your checking account rather than your saving account. You advised us
that you authorized your savings account to be used for overdraft protection,
not your credit card account. You advised us that you authorized you saving
account to be used for overdraft protection, not your credit card account. After
reviewing your account and based on the information you provide, we refunded
the assessed overdraft fees on November 13, 2015. In addition, the protector
account for your checking account has been updated to your savings account.SunTrust strives to provide exceptional service with each
and every client interaction, and I regret that we did not fully deliver on
that this time. Please accept my sincere apology for any inconvenience caused
you.[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 account, 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.

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.

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 from the Revdex.com regarding the presentment and posting of your $340 payment
to the account referenced above. Thank you for taking the time to speak with me
about this matter. I appreciate the opportunity to...

respond.Our records shows that, on September 11, 2015, items
totaling $350 ($340 to [redacted] and $10.00 to [redacted]) were presented for payment against
an available balance of $154.81 in your account. Given that there were not
enough funds to cover the $340 payment on September 16, 2015. In addition, as a
courtesy, we refund the $36.00 returned item fee you were assessed on September
11, 2015 (see the [redacted] September 22, 2015 account statement).[redacted], I hope the information provided is helpful.
Should you have any questions 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 choosing SunTrust for your financial needs.Sincerely,[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.
[Provide details of why you are not satisfied with this resolution.]
Regards,
[redacted]
The customer called and that he has not gotten a response form SunTrust and is attaching the signed form to hear from the business.

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.

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.