American Summit Inc. DBA Summit Realtors

Re: Revdex.com complaint #[redacted]SunTrust has responded to our client but cannot share theresponse with the Revdex.com as no signed third party authorization was received.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 the closure of the above referenced accounts and our reporting of your checking account to Early Warning Systems. We appreciate the opportunity...

to respond. Our records reftect that your checking account was opened via our website suntrust.com on January 31, 2015. On February 2, 2015, we received a $600 draft from your account at JPMorgan Chase to fund the SunTrust account However, on February 5, 2015 the item was returned "refer to maker" and a $12.50 deposited item returned fee was assessed. This left an account balance of negative $12.50. On February 6, 2015, your savings account had a balance of $1.00. The balance was transferred from your savings account to your checking account, and the savings account was closed. Thls transfer reduced the checking account balance to negative $11.50. On February 9, 2015 the checking account was closed with an amount owed to SunTrust of $11.50.The decision to close the account was a business decision made by SunTrust. We reviewed your case again and based on the information provided, the closure of your accounts and our reporting of the checking account to Early Warning Systems will remain. [redacted], should you have any questions, please call our Fraud Assistance Center at [redacted]. A representative will be glad to help you. Sincerely, [redacted] Assistant Vice President Client Advocacy Tearn

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]

I have reviewed the response 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.
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 made by the business in reference to complaint ID[redacted], and find that this resolution is satisfactory to me. The business has performed this action and, as of today's date, I've made my first payment under the plan in which we were able to come to an agreement. I consider this complaint resolved and am very happy with the service that I've received. The representatives with whom I had the pleasure of speaking were beyond professional and truly restored my faith in Suntrust.  
If there are any other issues, I will get back to you at: [redacted]. Thank you so much for your assistance in this matter.
Regards,
[redacted]

Dear Ms. [redacted]: We have received and reviewed your correspondence foiwarded to us from the Revdex.com regarding the $300 promotional deposit for...

your above referenced account. We appreciate the opportunity to respond. The promotion you referenced was an In-Store-only offer, and all qualifying criteria and requirements had to be met in order to earn the reward. The criteria and requirements were published and displayed in the branch during the promotion which included language regarding the limit of one reward per household. Our records show that another member of your household applied for and received the offer prior to you. Therefore, we regret that we are unable to give the same reward to you. You also mention that you had written to SunTrust's Office of the President but had received no response. Our records indicate that a representative from that office left voicemails for you at [redacted] on May 11 and May 12, 2015. After receiving no return call, the representative mailed a letter to the address above requesting that you call him for information. Ms. Huang, we hope the information contained in this letter will alleviate any further concerns. If you have any questions please don't hesitate to call 800.SUNTRUST (800. 786.8787) or visit any SunTrust branch. Our representatives will be glad to help 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 in your records.

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 *. F[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 reviewed your correspondence forwarded to us from the Revdex.com regarding overdraft fees assessed to the above referenced account. We appreciate the opportunity to respond.
Our records for Account ending in [redacted] show you incurred 17...

overdraft fees ($612 total) and two return item fees ($72 total) for a total of $684 in fees due to items
presented for payment against insufficient funds for the period of July 22,2014 through August 21,2014. As a coultesy, we waived ten fees ($360 total). Based on this information and that items were presented for payment against insufficient balances, we have determined that the assessed overdraft fees are valid and will remain.
Beginning on August 22,2014 this account had an available balance of $297.06. We paid an item of $229.69, a check card purchase for [redacted] of $8.09 and a
closing debit of $67,37 which left your balance a negative $8.09. On August 25,2014 we paid a check card purchase to [redacted] of $24.95 bringing the
balarrce lo a negative $33.04. You deposited $33'04 to the account on August 26, 2014 and closed the account.
You mention that you believe you had a joint account as an overdraft protector account to cover insufficient funds for the Account ending in [redacted]. Our records do not reflect a joint account or an overdraft protector account for you. During a phone call with us on May 28,2014 we explained that you had a Personal Savings Account ending in [redacted]. The account originally opened as a custodial Minor By Account (MBA) and w-as incorrectly set it up for overdraft protection as the protector account for the account ending in [redacted]. [redacted] cannot be used as an overdraft protector account because the funds are meant for the minor and not the custodial parent. This account was closed on November 13, 2013 and the balance of $776.77 was given to you in cash during your visit to a branch. The overdraft fees that you wrote to us about were incurred well after we reminded you in May that the account you thought was a protector account (Account ending in [redacted]) was closed.
Our records show you opened the Account ending in [redacted] on August 18, 2014 with a deposit of $2,630 and set up the Account ending in [redacted] as the overdraft protector account.
We want to be sure that you are aware of our website suntrust.com, which corrtains helpful information on how to manage your account and avoid fees (see
Banking--Personal checking+overdraft services+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.
It is important that collected funds be in your account before authorizing debit items. Overdrafts may be prevented by keeping accurate account records, noting all deposits, checks, purchases and electronic transactions and having funds in your account to cover all items presented for payment. For example, the account balance shown on your ATM receipt, Online Banking Profile and mobile device or balances obtained by utilizing our telephone banking service may not include all outstanding items you issued on the account, such as checks and other pre-authorized debits,
[redacted], we hope the information provided is helpful to you. If we may be of further assistance, please don't hesitate to call [redacted] ([redacted]) or visit any SunTrust branch, Our representatives wilt be glad to help you. Thank you for banking with SunTrust.
Sincerely,
[redacted]
Officer

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
Mr. [redacted]:We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding the status of the above referenced account. I appreciate the opportunity to respond.Our
records reflect that, on December 15, 2015, your account balance was $8.76. A
recurring...

debit card purchase from [redacted] for $8.37 was presented and
paid. This left your account balance at $.39. On December 22, 2015, the monthly
maintenance fee which is $7.00 per month was assessed. However, because the
balance was only $.39, the account was assessed a $.39 monthly maintenance fee.
This left a zero account balance. On
January 13, 2016, a recurring debit card purchase from [redacted] for $8.37
was presented and paid. Because there were not sufficient funds in the account
to pay the item, your account was assessed a $36.00 overdraft fee. This left an
account balance of negative $44.37.
The account remained negative for five consecutive business days, and on
January 20, 2016, a $36.00 extended overdraft fee was assessed. A $7.00 monthly
maintenance fee was assessed on January 25, 2016, which left an account balance
of negative $87.37 (statement copies
enclosed). On
January 26, 2016, you contacted us and requested that we close the account. At
that time, you were informed of the negative balance of $87.37 and provided the
transactions that caused the negative status. You stated that the [redacted]
charges were unauthorized. For this reason, you were advised to contact our dispute
area at 800.447.8994 for further assistance. Unfortunately, we do not find a
record that you contacted our Fraud Assistance Center to dispute the charges.On
March 18, 2016, the account was closed due to having a negative balance for an
extended period of time. The amount owed to SunTrust for this account is
$124.37. This amount represents $8.37 for the [redacted] purchase, fees of
$86.00 and an account closed in overdraft fee of $30.00 (statement copy
enclosed). Letters regarding the account status were mailed to the address of
record.Our
records show that you did not have Overdraft Protection, but on September 15, 2015,
you declined Overdraft Coverage. Declining Overdraft Coverage does not prevent
the assessment of overdraft fees. Checks, payments using online banking,
automatic bill payments, automated clearinghouse (ACH) and recurring debit card
transactions are not affected by Overdraft Coverage. The types of transactions
that are affected are ATM and everyday debit card transactions.Mr.
[redacted], if you have any questions about your account, please contact our Demand
Deposit Account (DDA) Recovery Department at [redacted] A representative
will be glad to help 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.
[Provide details of why you are not satisfied with this resolution.]
Regards,
[redacted]

We
have received and reviewed your correspondence forwarded to us from the Revdex.com
regarding the credit reporting inquires. We appreciate the opportunity to
respond.
While
It is not entirely clear from your correspondence what service or reporting you
/>
may be contacting us about, our records reflect that the above referenced Loan
ending in [redacted] was paid in full on March 28, 2006. As for SunTrust credit
reporting, I have been advised by our Credit Disputes Department that SunTrust
is not reporting the above referenced account to [redacted].
We
will be glad to research his matter further; however, we will need additional information
from you. Please send a clear copy of your credit report showing the account in
question. Also, please provide me the name of the credit-reporting agency on
which the account is shown. For your convenience, I have [redacted] a postage-paid
envelope for you to use in sending this information to me. Once I receive it, I
will contact you with my findings.
**
[redacted] we look forward to hearing from you so that this matter can be resolved.
If you have any questions, please call me at [redacted], Monday through Friday
from 7:30 a.m. to 4:30 p.m., ET, to further discuss this matter.
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.
I am not sure what the reply means, it says it was resolved but they could not provide the resolution. This issue has still not been resolved by Suntrust so I'm not sure why they are trying to get this closed out.
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]
Officer - Client Advocacy Management Office  I  SunTrust Banks, Inc.  *  [redacted]  *  [redacted]  *  [redacted]  *  [redacted]  *  [redacted]
 
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Re: Revdex.com complaint 10342444
We responded to Ms. [redacted] complaint by telephone. 
Ms. [redacted] called SunTrust Banks, Inc. to dispute an overdraft fee ($36.00) charged to her account. She was given incorrect information regarding the reason for the overdraft fee.
We spoke with...

Ms. [redacted] and discussed the posting order of her debits that caused the late fee ($36.00) to be charged to her account. Since the late fee was charged to her account she had been assessed three additional overdraft fees totaling $144 to her account. 
As a courtesy we refunded four overdraft fees totaling $144  to her account. 
We apologize for the incorrect information she received. 
Ms. [redacted] was glad we refunded all the overdraft fees.

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.
According to the document that Sun Trust has submitted to address my complaint ,they issued a check for $493.56 dated 7/26/16 that was attached to the review if escrow overage.   There was no check attached to this document. I called to  Sun Trust on 10 Aug 2016 and spoke at length with Juron M[redacted] of Sun Trust to ask about the  inconsistency  of the numbers. I also told him that I never received a check for this amount. He said that he would follow up to find if the check was ever issued and mailed to me and to verify if it was ever cashed.. I waited for his response but I was never contacted by him. I called Sun Trust on 24 Aug and spoke with Nicole H[redacted], Yacunda P[redacted], Rene R[redacted]. None of our conversations was able to resolve  my questions about the  refund check.  I called again on 25 Aug and spoke with Juron M[redacted]. I asked to speak with his supervisor  but he said that she was unavailable and he had no information about he re-issuance of the check after he checked to see if it had been cashed. That is when I decided to file a complaint that was based on the run around that I was getting from 6 different Sun Trust representatives..  Until this check is reissued and delivered to me I will consider this complain  unresolved.
Regards,
[redacted]