American Summit Inc. DBA Summit Realtors

Revdex.com:
I have reviewed the offer made by the business in reference to complaint ID 10338738,
and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
I have not heard from Suntrust as indicated in the faxI do not want the complaint closed until I have received their response and had time to consider. Thank you for your assistance
Regards,*** ***

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 RF*
Vice President, Client Advocacy Management Office
SunTrust Bank
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[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***, and find that this resolution would be satisfactory to meI will wait for the business to perform this action and, if it does, will consider this complaint resolvedIf the company does not perform as promised I can get back to you at: ***
Regards,
*** ***

Revdex.com:
I have reviewed the offer made by the business in reference to complaint
ID ***, and have determined that this proposed action would not resolve my complaint I have the title of the car and l wouldn't have if it was just a charge off, I need to have it removed from my credit report.
Regards,
*** ***

Dear ** ***:
We have received and reviewed your correspondence forwarded to us form the Revdex.com regarding the payment of a postdated check present against the above referenced accountWe appreciate the opportunity to respondYou indicated you post dated Check *** ($***) for March 10,
with the understanding that the payee would not negotiate it until that dateHowever, the check was presented for payment and paid on March 3, As a result, you incurred $*** in over draft item feesThe payment of the postdated check is in accordance with our Rules and Regulations for Deposit Accounts*** is page of our Rules for your reviewOur Rules are provided at account opening nad on website *** (see About us- fee- Schedules- Deposit Account Disclosures)I understand how this type of issue can occurAs a one-time courtesy, we refunded *** in overdraft items feelsThe refund was credited to your account on March 17, ** ***, we hope this information is helpfulIf you have any additional questions please call us at ***One of our representatives will be glad to assistThank you for banking with SunTrust
Sincerely,
*** ***

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear belowHello: I have not received any type of response from SunTrustThey never contacted me regarding my complaint
Regards,
*** ***

December 7, 2016 Revdex.com Serving Central Virginia, Inc. Attn: *** ***
"">Moorefield Park Dr., Ste 300 Richmond, VA 23236 Re: Complaint Filed By: *** ** *** Case Number: *** Revdex.com Case #: *** Dear Ms***: We received your correspondence regarding the above referenced caseBecause you did not include a signed authorization form from the Note holder, we are unable to provide you with a copy of our response addressing Mrs*** concerns dated December 7, Upon receipt of the signed authorization form, we will gladly share a copy of our response with your office. Thank you for contacting SunTrust Mortgage, Inc. Sincerely, Wanda H*** Officer Mortgage Escalations Resolution Team

Re: Revdex.com complaint# ***-*** *** 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: Auto Loan Account ending in *** Everyday Checking Account ending in *** Revdex.com (Revdex.com) Case *** Verdana">Dear Ms***: We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding funds debited from your checking account for loan payments and the payoff amount quoted for your loan accountWe appreciate the opportunity to respond. We regret that you were not satisfied with the service you received when you contacted us about the duplicate paymentPlease be assured your comments concerning this matter were forwarded to the appropriate management area. Our records reflect that, on April 26, 2015, we received your Online Banking payment in the amount of $1,that was applied to your loan as instructed(Please note that SunTrust did not authorize debiting of the funds from your checking account.) On April 28, 2015, we received a request to reverse $of the payment and credit the funds back to your checking accountThe funds were credited to your account on that same date. On May 15, 2015, we received a payoff check from *** *** *** for $30,450; however, the check was returned because it was short $On May 20, 2015, payment was received in the amount of $30,457.83, which brought the account balance to zero. You requested reimbursement of $due to an incorrect payoff quoteWe find no record of quoting a verbal payoff or sending a written payoff to you or to a third party. Therefore, we respectfully decline your request. Ms***, if we may be of further assistance, please don't hesitate to contact us via your Online Banking Profile, call us at 800.SUNTRUST (800.786.8787) or visit any SunTrust branchOur representatives will be glad to help youThank you for banking with SunTrust. Sincerely, *** ***
Assistant Vice President

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

September 29, 2016 *** ***
*** ** *** ***
*** ** *** 11px;">Re: Credit Card Account ending in *** Revdex.com serving Central Virginia (Revdex.com) Case *** Dear Ms***: We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding Sun Trust's reporting of the account referenced above on your credit file. Thank you for notifying us of your concerns and providing us the opportunity to respond. Our records show this account was opened in your name only on June 30, 2015. Enclosed is a copy of the letter mailed to you on the same date that notified you of the application approval and the balance transferFor this reason, we regret that we are unable to comply with your request to remove the reporting. If you have any documentation or written correspondence that you believe would provide evidence that current reporting is inaccurate, please forward it to me at our address or fax it to my attention at We will be glad to review any additional documentation you send us regarding this issue. Our records show that your account was closed with an owed balance of $8,on February 21, If you would like to discuss payment options, please contact our *** *** *** *** ** *** This communication is an attempt to collect a debt and any Information you provide, whether written or verbal, will be used for that purposeHowever, If your debt Is discharged In bankruptcy or you are protected by the automatic stay in a bankruptcy proceeding, SunTrust recognizes that you may not be lliable for this debt and this letter Is not an attempt to collect a debt but Is being sent for notice purposes only.
*** *** September 29, 2016 Page 2 Ms***, I understand this is not the resolution you are seeking from SunTrust. Should you have any questions, please contact our *** *** *** *** ** ***A representative will be glad to assist you . Sincerely, Seth AM*** Officer Client Advocacy Management Office

Dear ** ***:
We have received and reviewed your correspondence forwarded
to us from the Revdex.com regarding your above referenced accountWe appreciate the
opportunity to respond
We regret that you were not satisfied with the service you
received when you visited our Perimeter Center Regional Office to transact your
businessPlease be assured your comments concerning this matter were forwarded
to the appropriate management areaWe are glad that when you visited another
location the information you needed was provided to your
** *** your satisfaction is important to us and we ask that
you allow us the opportunity to regain your confidenceIf you have any
questions or concerns regarding your account, please do not hesitate to contact
regarding your account, please do not hesitate to contact us via your online
banking profile, call us at *** *** or visit any SunTrust branchA
representative will be glad to assist youThank you for banking with SunTrust
Sincerely,
*** ***

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
*Diane E***

Suntrust has changed the way that they process depositsAt the end of the day, deposits are electronically scanned in and sent electronically to a remote location where they are then uploaded and posted to accountsIt has happened not once but twice that my deposits (cash and check) were lost during transmission and not posted to my accountEach time this has happened, I have had to take my receipts to the bank and wait for them to research the transactionThis entire process tied up my money for a weekDuring this time, I had no access to itOn June 15, my CASH deposit was not credited so my debit card was declined on June 16thOn June 17th, the customer service rep I spoke with had the audacity to suggest that I get overdraft protection to avoid this problemMy account was never in overdraft, the cash deposit that I made had never been posted to my account Translation: Suntrust is trying to generate charges from the customer in the form of overdraft fees even though the mistake is a Suntrust mistake, not the customersTo add insult to injury, the same customer service representative called me several weeks later trying to upsell me credit card service I do not wantIf they cannot manage to post deposits, particularly cash deposits, to an account correctly they cannot be trusted to do anything else properlyThe bank manager could only reiterate to me that they had followed the correct procedure and that it was not the branches fault that the electronic transmission was lostWhen the transmission finally went through, it still shows the wrong dateWhen I make a cash deposit on the morning of the 15th, the date on the receipt is the 15th but the bank does not post it until the 17th (but back dates it to the 16th), THAT is a problem!
Don't bother calling Suntrust's customer service numberThere is no option for a real personI finally got an actual person on line by choosing option "0"The person I spoke with had poor English skills and was obviously reading off a scriptHe was completely unable to help me and ended up putting me on hold indefinitelyI have been an account holder with Suntrust for 30yrsThat "relationship" is going to change

Dear Mr***,
We have received and reviewed your recent correspondence forwarded to us from the Revdex.com regarding our March response concerning your above referenced accountWe appreciate the opportunity to review your case again and respond to you.
Our records reflect that you contacted our Consumer Home Retention Group (CHRG) on December 4, to request hardship assistanceAt that time, you stated that your mortgage modification request did not have a final approval and also that the mortgage payment was past dueThe representative with whom you spoke suggested that you CHRG once the mortgage was brought current or the mortgage modification was completedAt the time of the initial request, according to our guidelines, we were unable to review any request for hardship assistance due to the delinquency of your mortgageOn December 8, 2012, you were sent a letter (copy enclosed) stating that the account was not eligible for modificationThere was no follow up contact from you after December 4, Several attempts were made to contact you in May and June Voice mail messages were left, but we did not receive any return phone calls from these attemptsIt was not until we contacted you on June 23, to offer hardship assistance that you informed the representative that your mortgage had been modified(Please note that we have no record of receiving or being notified of your modification approval with your mortgage company prior to the phone call initiated by our representative on June 23, 2014.) The representative then explained the process for our Hardship Assistance Program, and advised you of the documents that were needed to consider your requestOn August 13, we received all of the required documents, however, upon review, it was determined that we were not able to approve assistance at that timeThe file was reviewed again on January 5, 2015, and it was recommended that we decline the request for assistance.
It is SunTrust's policy to offer banking services and products, including credit products, to any qualified applicant in a responsible and non-discriminatory manner and in compliance with all applicable Fair Banking and Consumer Protection LawsSunTrust is committed to fairly representing its products and services and honestly and transparently disclosing the associated costs and feesOur goal is to provide value to our clients, protect their interests, and assist them in selecting the products or services that meet their needsTo that end, we scrutinize our disclosures to ensure that they are clear and understandable; verify that information provided to our clients is complete and accurate; and listen to our clients' expressed needsWe provide comprehensive training to our employees and perform ongoing monitoring to ensure compliance with Consumer Protection Laws and Regulations.
We take allegations of unfair, deceptive, or abusive acts and practices seriously and do not tolerate these actions from any employee.
Mr***, as stated in our response to you dated March 31, 2015, CHRG does not have any hardship solutions to offer you at this timeIf you have any questions about your account please call our CHRG Department at 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 ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
NO SunTrust representative has responded with answers to our complaint., Seth Mills who sent the Revdex.com a response, nor any other representative from SunTrust, have responded with any information explaining WHY, WHO, and for WHAT reason closed my son's and my account was suddenly closed during processing. Neither my son nor I have received any follwhatsoever from SunTrust with answers on this matter.Both *** SYSTEMS and EARLY WARNING have verified there are no negative banking records on either my son nor I. As we have several other banking relationships in excellent standing, there is no reason for this action by SunTrust. Consumers beware of this banking institution who has or would have control of their financial life-blood.
Regards,
*** ***

Dear Ms***: We have received and reviewed the correspondence that was forwarded to our office from the RevDex.com
regarding the above referenced accountWe appreciate the opportunity to look into the issue raised and to provide a response to you . Our records reflect that on February 18, 2016, an escrow analysis was performed to ensure we had sufficient funds for the future disbursements of your escrow itemsWe determined a shortage of $due to an increase -in your projected amount for your homeowners' insuranceWe provided you the option to pay the shortage in full or have it spread over a 12-month interest free repayment period beginning April 1, Since we did not receive a payment for the full amount of the shortage, your monthly payment was adjusted to $effective April 1, 2016. Your account is setup on SurePay our automatic drafting program and the payment is drafted on the tenth business day of each monthOn April 11, 2016, we drafted $from your SunTrust Bank, Incchecking accountAt the time of the draft, you did not have sufficient funds: however, SunTrust Bank, Inchonored and processed the payment. SunTrust Bank assessed an overdraft fee of $to your checking account" but the fee was waived on April 14, Your checking account had a negative balance resulting in an extended overdraft fee of $being assessed on April 15, On April and May 4, 2016, you deposited funds into your checking accountOn May 5, 2016, you spoke with a representative at SunTrust Bank, Inc. that explained the overdraft fee process and as a courtesy the $extended overdraft fee was refunded back to your checking accountAny questions regarding the checking account, please contact SunTrust Bank, Incat 800.786.8787. If you have any questions regarding the servicing of the account, please contact the Client Services Department at Monday through Friday from a.mto p.mor Saturday from a.mto p.m., ETIf you have any questions regarding this letter, you may contact our Mortgage Escalations Resolution Team at 855.223.4640, Monday through Friday from a.mto p.m., ET. Sincerely, Wanda H*** Officer Mortgage Escalations Resolution Team

Revdex.com:
I have reviewed the offer made by the business in reference to complaint ID***, 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,
*** ***
I received today a notice indicating you believe this
complain has been resolved (** *** *** ** *** ***)That is hardly the
case! Please note that:
As of today, 05-15-14, I have not received ANY
communication from SunTrust Bank, even though they alleged a letter was mailed
to me on 05-06-
SunTrust Bank still HAS NOY REIMBURSED ME for the
$that was available on my checking account and $available on my
savings account at the time of account closingAs of today, 05-15-14, SunTrust
Bank still owes me $total
Please, do not close this complain, as SunTrust is hoping
you and I will be too busy to pursue this matterThey seem to hope I will
forget my money!
Regards *** ***

[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***, and find that this resolution would be satisfactory to meI will wait for the business to perform this action and, if it does, will consider this complaint resolvedIf the company does not perform as promised I can get back to you at: ***
Regards,*** * *** ***

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.The fact of the matter is I applied within the prescribed amount of time when asked about the disposition of the first I stated the honest truth - it too was being modified No one ever told me that there was a specific amount of time before my modification application would not be entertained, I was simply told that once the first was resolved I should then provide the documentation from that mod so that Suntrust could better a certain how to approach their modification Furthermore I could not dictate to ** *** *** how quickly they should act on my modification because Suntrust has a specific amount of timeThat said I will inquire with all the sources you've provided with the hope that one of them will come to fruition
Regards,
*** ***