American Summit Inc. DBA Summit Realtors

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
I have never received anything from Suntrust,. I received a call from them to advise me that they had received my complaint and someone would be in contact, but no one has
[Provide details of why you are not satisfied with this resolution.]
Regards,
*** ***

Our Loan Default Team responded to ** *** on July 22,
and they will work directly with the client in the full resolution of the issue
If you have any questions about our response, please contact ** ***
Sincerely,
*** ***

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.]
First off they lied, they said I would get a response in days I have recieved nothing, I called them again on 0519/left a message no return call at all, now they have caused my other account to go in to negative, they don't care about you if you don't have a million dollars in there bank I will spread the word
Regards,
*** ***

We have received and review your correspondence forwarded to
us from the Revdex.com regarding information that we reported to the check reporting
agencies to which we reportWe appreciate the opportunity to respond
Thank you for bringing this matter to our attentionOn June
2, we contacted *** and *** and requested that the negative
reporting be deleted from your file
** *** we understand your concern and apologize for any
inconvenience this matter may have causedShould you have any questions,
please contact our Demand Deposit Account Recovery and Retention Department at
***A representative will be glad to assist you
Sincerely,
*** ***

We responded to ** *** by letter on December 2, Ifyou have any questions about our response, please contact ** ***

Re: Revdex.com complaint# *** *** *** SunTrust has responded to our cllent but cannot share the reaponae with the Revdex.com as no signed third
party authorization was received. Please close this case on your records

We responded to ** *** by letter on May 20, If you have
any questions about our response please contact ** ***

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: *** *** Revdex.com Case *** We responded to Ms*** by letter on April 22, If you have any questions about our response
please contact Ms***. Sincerely, *** ** *** 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 ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.As a part of my issue is not receiving valid information by way of telephone, I have sent SunTrust bank a letter asking to correspond with me via email or U.SMail to discussI have not received a response
Regards,
*** ***

Dear *** ***:
We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding your direct deposit and overdraft fees that were assessed to your above referenced accountWe appreciate the opportunity to respond
Our records
show the Direct Deposit was credited to your account on the effective date indicated by the originatorThe effective date was June 2,.2014, which was the date it was credited to your accountAll direct deposits are credited to accounts on the effective date that is provided by the originator and are reflected in the
available balance for your useHowever, deposited funds must be in your account to cover all items presented for payment
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 paymentFor example, the account
balance shown on your ATM receipt, online banking profile or mobile device may not include all outstanding items you issued on the account, such as checks and
other preauthorized debits
As it was explained to you, when Check *** for $was presented for payment on May 30,2014, your account balance was $Since there were not sufficient funds in the account to pay the item it was returned and your account was assessed a $returned item feeThis left you with a negative balance of $The
check was presented again for payment on June 3, 2014.Since there was no stop payment order on the check, and upon presentment it was paidOn this date as
there were not sufficient funds in your account to pay the other Items presented, your account was assessed four $overdraft fees, totaling $144. As a courtesy, we refunded $on June 2, and on June 18, we refunded an additional $
As a suggestion, you may want to set up Overdraft Protection, whereby a protector account is linked to your transaction account to cover any shortfallsDetailed information, including any fees, about this service is found on our website *** (see Banking-.Personal Checking-Overdraft Services)You may also monitor your account by using our Online Banking service and receive Email or Mobile Alerts when the balance gets too low or becomes overdrawnInstructions for signing up for these services are also found on our website and when using our Online Banking service
It is SunTrust's policy to offer its banking products and services, 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 Laws
SunTrust 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. *** ***, we hope the information provided is helpful to youIf we may be of further assistance, please don't hesitate to call *** (***) or visit any SunTrust branch. Our representatives will be glad to help youThank you for banking with SunTrust
Sincerely,
*** ***

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

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
FDiane E***
Assistant Vice President - Client Advocacy Office
SunTrust Bank | Take a step toward financial confidenceJoin the movement at onUp.com*** *** *** *** *** *** *** *** *** ***
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 materialAny 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 prohibitedIf 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]

Attached is the responseResponded to client by phone, offered to refund half of the fees ($127.50) Mr*** agreed to resolution
"">Please close this case on your records

Dear ** *** ** ***:
We have received and reviewed your correspondence forwarded
to us from the Revdex.com about information that we are reporting to the credit bureaus
regarding the above referenced accountWe appreciate the opportunity to
respond
As stated in our pervious letter to you, we show that ***,
*** and *** are reporting the account as settle, account paid in full for
less than balance with a closed date of March The document that you
provided is from a tri-merge company, ***/***, and not from one of the
three bureaus to which we report
** *** *** ***, we trust this information is helpful to
youIf you have any other questions, please call our Credit Bureau Dispute
Department at ***A representative will be glad to help you
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 below.I did get a letter via mail from SunTrust however I'm unsure what it meansIt seems they are saying they closed my account but it's still owed over $Although I'm not sure if I'm understanding it correctly or not.
Regards,
*** ***

We have received and reviewed the correspondence that was forwarded to our office from the Revdex.com regarding the above referenced loan We appreciate the opportunity to look into the issue raised and to provide a response to you
Our records indicate that the loan closed on August
9, As listed on the *** *** *** the seller paid the property taxes in the amount of $ This amount was used to anticipate the future monthly escrow collection for the next twelve (12) months However, this amount was based on an unimproved basis and would increase once the property was fully assessed The enclosed copy of the *** *** *** and *** *** signed at closing acknowledges receipt of the notice and your election regarding the collection of property taxes You choose not to pay the estimated future cost of the anticipated tax increase and understood that the payment would increase once the fully assessed amount was available and the escrow account was reanalyzed
On June 18, 2014, an off scheduled escrow analysis was performed to adjust the monthly payment after we received and paid an unanticipated supplemental tax bill (new construction bill) for $1, A shortage in the amount of $2,was determined and the monthly payment increased from $2,to $2,effective August 1, On October 21, 2014, the annual escrow analysis was performed to ensure that we are collecting sufficient funds to disburse the payments for the escrow items The tax amounts were updated from $annually to $3,annually Due to the increase in the property taxes, as expected the shortage amount was $4, The monthly payment increased from $2,effective December 1,
The escrow shortage is also a result of unanticipated homeowners’ insurance disbursements from the escrow account On August 19, 2013, we disbursed the premium of $to *** *** Insurance Our research determined that the homeowners’ insurance was also collected and paid at closing; therefore, *** *** received an overpayment We verified with *** *** that a refund was sent to you on August 28, in the amount of $ We regret the double payment for your homeowners’ insurance
Also, on July 30, 2014, we disbursed the insurance premium to *** *** for the to period in the amount of $ In September 2014, you cancelled the insurance policy and changed insurance carriers from *** *** to *** *** *** on September 24, *** *** sent a refund to you in the amount of $on September 10,
To reduce the escrow shortage, you can send the homeowners’ insurance refund amounts to credit the escrow account and the monthly payment can be adjusted As an alternative option to lower the monthly payment, we may also spread the escrow shortage for a longer period of up to a thirty-six(36) month interest free repayment period instead of twelve(12) months.
*** ***, if you are interested in spreading the escrow shortage for a longer period or have any questions regarding this letter, you may contact our Mortgage Escalations Resolution Team at***, Monday through Friday from 8am to 6pm Et If you have any questions regarding the servicing of the loan, you may contact our Client Services Department at***, Monday through Friday from 8am to 8pm and Saturday from 9am to 3pm ET.
Sincerely,
*** ***

We have responded to ** *** *** by letter on December 16, 2014.If you have any questions about our response, please contact ** ***.Sincerely,*** ***

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
Even though my $was finally received today, Feb 27th, after Sun Trust took it out of my *** account on Jan 2nd, by their mistake I will not be satisfied until I have in writing that they have purged my *** account information from their records so no further unauthorized withdrawals can be made by Sun TrustThis has been the worst display of "customer service" I have ever encountered from a bankI have no faith that they will not make further mistakes if allowed
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. For your reference, details of the offer I reviewed appear below
The letter from *** *** from Suntrust, states " that as a result of an account review, we made the decision to discontinue our relationship" Therefore I would like to know exactly what they had seen in my account which gave them cause for concern and to come to the decision to close my account
I can assure you that there has been no activity within my account which is anyway suspicious.
Regards,
*** ***