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American Summit Inc. DBA Summit Realtors

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American Summit Inc. DBA Summit Realtors Reviews (759)

Dear Mr***:
We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding overdraft and returned item fees assessed to your above referenced accountWe appreciate the opportunity to respond
When you opened your account using our Online
Service you accepted our Rules and Regualtions for Deposit Accounts which governs your accountChecks and other debits and the posting order of those items are discussed on pages and 17, Debit Card/ATM Authorized Transaction Holds is discussed on pages and and Non-Sufficient funds is discussed on page (copies enclosed)
Our records show you incurred overdraft fees totaling $and returned item fees totaling $for items being presented for payment against insufficient balances from August through September 18, The $in overdraft fees that were assessed on August 25, and September 3, were for debit card transactions that had been authorized on August 21, 31, and September 1, The $in returned item fees were assessed on August 21, 2014, and September 4, 9, 16, and 19, were for Automated Clearing House (ACH) debit card transactions and checks that were authorized but for which these were not sufficient balances in the account when presented (copy of statement enclosed).
Concerning debit card transactions, once a debit card transaction is authorized, a hold is placed on the client's account reducing the available balanceFunds on hold for pending debit card debits 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 accountFor this reason, clients must maintain accurate account records noting all authorized debit transactions, including pending and credits to determine their available balances.
You stated that you had overdraft protection, we do not show overdraft protection, but on September 24, you declined overdraft coverageOverdraft Coverage allows SunTrust to decide whether to pay ATM and everyday debit card transactions when the available balance is not sufficient to cover the transactionUnless you specifically request Overdraft Coverage, we will not be allowed to pay overdrafts and assess fees for those two types of transactionsPlease note out ability to authorize overdrafts and assess fees on any other type of transaction is not affected by this coverage.
We have reviewed your account and determined that all fees were appropriately assessedAs a courtesy, we refunded the extended overdraft fee in the amount of $on October 6, and $in returned items fees on October 9, While you have received courtesy refunds in the past, the overdraft and other returned item fees you incurred will remain
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 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 them in selecting the products or services that meet their needsTo that end, we scrutinize our disclosure to ensure that they are clean and understandable; verify that information provided to our clients is complete 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***, currently, your balance is $If you would like to close the account, please visit your local SunTrust office or call us at ***In preparation for closing your account, you should begin immediately to make other arrangements for any automated credits to, or debits from, your accountA representative will be glad to assist you with the closing.
Sincerely,
*** ***

Dear Ms***: We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding overdraft and extended overdraft fees that were assessed to your above
"">referenced accountI appreciate the opportunity to respond . Our records reflect that, on December 21, 2015, your account balance was $100.77; a $ATM cash withdrawal was presented and paidOn December 22, 2015, your account balance was negative $135.23; a recurring debit card item from *** {$14.41) was presented and paidOn December 24, 2015, your account l;lalance was negative $185.64: a recurring debit card item from *** ($104.92) was presented and paid. Because there were not sufficient funds in the account to pay the items, your account was assessed three $overdraft fees, totaling $108. On January 12, 2016, your account balance was $102.70; an item from *** ($72.99) was pending, which reduced your available balance to $A purchase from *** ***
*** ($100) was presented and paid On January 19, 2016, your account balance was $20.44: an item from *** ($14.60) was pending, which reduced your balance to $A credit from *** ($3.25) increased your balance to $Two items totaling $(a $ATM cash withdrawal and a $purchase from *** ***) were presented and paidOn January 21, 2016, your account balance was negative $180.31; the recurring debit card purchase from *** {$14.60) was presented and paidOn January 25, 2016, your account balance was negative $230.91; a recurring debit card item from *** ($104.92) was presented and paidBecause there were not sufficient funds in the account to pay the items on the dates presented, your account was assessed five $overdraft fees totaling $Based on this information, we have determined that the assessed overdraft fees are valid and will need to remain (statements enclosed). Because your account balance was negative for five consecutive business days, you were assessed $extended overdraft fees on December 28, and January 25, 2016. The $fee from December 28, was refunded on January 4, 2016. Our records show you have overdraft protection for your checking accountThe $12.50 overdraft protection fee occurs when funds are transferred from your linked protector account to the overdrawn accountDuring the months of December and January 2016, there were not sufficient funds in the protector account to cover the shortfalls . We show that, on August 11, 2015, you accepted Overdraft Coverage, which allows SunTrust to decide whether to pay ATM and everyday debit card transactions when the available balance is not sufficient to cover the transaction As a suggestion, you may want to decline this coverage, meaning that any ATM and everyday debit card transactions that would result in an overdraft of your account will be declined at the point of saleChecks and other transaction made using your checking account number and automatic bill payments are not affected by these rules . Concerning debit card transactions, once a debit transaction is authorized, a hold is placed on the client's account reducing the avallable balanceFunds 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 accountFor this reason, clients must maintain accurate account records noting all authorized transactions, including pending debits and credits, to determine their available balancesDetailed information concerning this matter is included on pages and of our Rules and Regulations For Deposit Accounts (enclosed)The Rules are provided at account opening and also found on suntrust.com (see Banking-70verview Guides and Disclosures-Deposit Account Disclosures). In order to decrease the chances of this happening again, please visit suntrust.com, where you will find helpful tips on how to manage your account and avoid fees (see Banking-70verview 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 mentioned that you want to close the accountIn order to do so, the balance must be positive or zero and all outstanding items must be paidWe also recommend that you contact'merchants to stop recurring and automated clearing house (ACH) transactions. Ms***, although this may not be the answer you expected, I hope the information about avoiding overdrafts is helpful to you Should you have any additional questions or concerns, please contact us via your Online Banking Profile, call us at .SUNTRUST (800.786.8787) or visit any SunTrust branchWe will be glad to assist you . Sincerely, Diane E*** Assistant Vice President Client Advocacy Office

SunTrust has responded to our client but cannot share our response to 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 ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear belowNo information on the letter they sentVery unprofessional from SunTrust
[Provide details of why you are not satisfied with this resolution.]
Regards,
*** ***

Revdex.com:I have not received the response yetI have not,received the refund I was
promised
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
[Provide details of why you are not satisfied with this resolution.]
Regards,
*** ***

Re: *** *** Revdex.com Case *** We responded to MrSnook by letter on March 4, lfyou have any questions about our response, please contact Mr***. Sincerely, *** ** *** Vice President and Manager Executive
Services

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***

Re: Everyday Checking Account ending in *** Revdex.com (Revdex.com) Case *** Dear Ms***: We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding the claim you filed with our Fraud Assistance Center and
overdraft fees assessed to the above referenced accountWe appreciate the opportunity to respond. Our records show that you contacted us on December 30, to report your Checks *** through *** as stolenA stop payment was then placed on the series of checksIn addition, your Debit Card ending in *** was closed, and a new debit card was ordered for youHowever, when you visited our *** Branch on January 7, 2015, it was discovered that the debit card was not ordered, so a new card was ordered for you at that timeWe apologize for this oversight and regret any inconvenience causedWe understand that you have recelved and are now using Card ending in ***. On January 1, you submitted an online claim to dispute an Electronic/ACH debit from North Cash for $that had posted to the account on December 31, 2014. Case was established, and you were sent a document via email to complete and return so that we could investigate your claim. We notified you by letter on January 8, (copy enclosed) that we issued provisional credit of $and a $refund for two $overdraft fees assessed on December 31, The letter also explained that if an additional credit was received after this adjustment, then the additional credit would be reversedOn January 7, 2015, you also received an Electronic ACH refund of the $For this reason, on January 12, a dispute credit adjustment for $was debited from your accountDue to these adjustments, you incurred two additional overdraft fees on January and 12, These fees have been refunded, with all transactions reflected on your January 22,statement (copy enclosed). *** ***, we hope the information contained in this letter will alleviate any further concernsIf you have any questions or need further assistance, please do not 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, *** *** Officer Client Advocacy Team

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
[SunTrust's letter indicates that they have contacted me about the issueThey have not contacted me about the issueSo it is still not resolved.]
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
[Provide details of why you are not satisfied with this resolution.]
Regards,
*** ***
I asked the leadership at Suntrust Bank to move the employee in question to another branch so I would not have to work with herThey refused, saying I could go to another branch.
The employee got off of this incident with a slap on the wrist.
Future business owners should realize that the employees at Suntrust get to treat clients like they want and can get away with it
*** ***

I would not recommend Suntrust to anyone, especially those that carry a low balance in their checking accounts Their customer service is near non-existent and no one their can help you resolve problemsSuntrust is not customer oriented and do not consider loyalty when handling customer issuesThey will take your money and will tell you you are not "eligible" to get any of it back The online banking system is a joke and the processing and posting practices were created with the sole purpose of creating overdrafts and thus charging an unnecessary number of NSF fees, which no one is eligible to receive back Instead you may receive a response that states you should have kept a bank registry, but what they will not admit to is that even with a proper written/managed registry, when debit/credit transactions are not posted in the manor in which they were initiated (instead posted highest to lowest and when the funds are retrieved by the merchant-any from three to five days later), it is near impossible to keep track of your bank account
I will never recommend this bank to anyone

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
Not really an answer is it
Please close out complaint..... not really worth my time
Regards,
*** ***

Suntrust blocks my account because I use *** WalletI make a monthly payment using it and have had them make a note in my account about itThey ignore the note and block my account anywayWhen I call to fix it and ask for a manager first I am told there is not one and then that he is busy and will call me backOf course he never callsTime to switch banks

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***
Officer, Client Advocacy Office
SunTrust Bank
Take a step toward financial confidenceJoin the movement at onUp.com
*** *** *** ***
*** ***
*** *** ***
*** *** ***
*** ** ***

Dear ** ***:
We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding your fraud claim on the above referenced account and our decision to close the accountWe appreciate the opportunity to respond
Our records show you contacted us on
May 15, regarding an ATM check deposit for $3,that was credited on May 13, and two ATM cash withdrawals for $and $debited on May 14, You stated that you did not do these transactionsCase *** was established so that we could investigate your claim
On May 16, 2014, the check for $3,was returned unpaid and a $deposited item returned fee was assessed to the accountAfter reviewing your claim and based on the information your provided, your case was declined, as explained in the May 28, letter from our Fraud Assistance CenterIn our letter dated May 29, we sent you copies of the documents used in deisioning your claim
We received your rebuttal information on June 27, Because the rebuttal did not include any additional details, the claim was denied againWe advised you of this decision in our September 24, letter
Our records show that we closed your account on May 23, with no amount due to SunTrustThe decision to close your account was a business decision made by SunTrust as explained in our Rules and Regulations For Deposit AccountsWe may close your account at any time without advance notice
** ***, we hope this information is helpful to youShould you have any questions, please call our Fraud Assistance Center at ***A representative will be glad to assist youWe wish you a well in your future financial endeavors
Sincerely,
*** *** ***
Officer

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

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

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 belowI contacted Suntrust 8/8/as stated in Suntrust letter to meSuntrust was not able to understand my request and dropped the callDemand was to close all accounts and return money owed to meSuntrust has failed to meet my demand
Regards,
*** ***

December 29, 2016 *** *** ***
*** *** ***
*** ** *** 11px;">Re: Installment Loan Application Credit Card Account Application *** *** *** *** (***) Case *** Revdex.com (Revdex.com) Case *** Dear Mr***: We have received and reviewed your correspondences forwarded to us from the *** and the Revdex.com regarding the installment loan and credit card applications referenced aboveWe appreciate the opportunity to respond. Our records show that you applied for an installment loan on November 28, for ***As stated in our letter dated November 28, (copy enclosed), the loan was initially declinedHowever, when additional information was provided to our Underwriting Department, we were able to offer a counteroffer in the amount of ***. You mentioned that SunTrust declined your request for a *** *** AccountOur records show your request for a *** *** Account on February 6, was declined as explained in the letter from our Cardmember Services Department (copy enclosed)We regret that we were unable to help you at that time. Mr***, we hope the information contained in this letter will alleviate any further concernsIf you have any questions or need further assistance, please don’t hesitate to call us at 800.SUNTRUST (800.786.8787)Our representatives will be glad to help you. Sincerely, Sherry *F* Vice President Client Advocacy Management Office

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

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