American Summit IncDBA Summit Realtors

[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 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: [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.The researched response and detailed explanation of the fee are incorrect The transaction in question for $actually occurred on 06/03/as verified by the attached receipt This transaction was also cleared from my account on 06/leaving my remaining at balance at $ The second transaction of $was presented on 06/08/ If this amount was subtracted from the agreed on current amount, there should have been a remaining balance of $before the $deposit Based on the agreed sequence of transaction 2, it should have been impossible to incur this feeThis "transaction error" was then compounded back the fact that I have now spoke with representatives from Suntrust bank who gave me different explanations of how this could occur They each proceeded to advise me that I was ineligible for a "courtesy credit" because I received one on 06/17/ This incident occurred on 06/09/2016, days earlier the one year mark I felt in the effort of courtesy, Suntrust could have "approved" this annual occurrence considering it would once again disqualify me from received another credit Granted they valued me as more than a series of numbers on a checkbook, they would have found me human and realized that although this fee would not be a drop in the bucket to their establishment, it had been earmarked to cover week of swim lessons for my 8-year old I am not closing the account because I'm upset about a fee as I can always make more money, my account will be closed because it is clear that your company does not value me as a customer 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 receivedPlease close this case on your records

Re: Everyday Checking Account ending in *** Case [redacted] Revdex.com (Revdex.com) Case [redacted] Dear Ms [redacted] : We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding the denial of your above referenced case and the service you received when inquiring about this matterWe appreciate the opportunity to respond We regret that you were not satisfied with the service you received when you contacted us about the charge that was debited from your accountPlease be assured your comments concerning this matter were forwarded to the appropriate management areaWe understand that we did not meet your expectations in this situation and regret any inconvenience causedOur records show we set up Case [redacted] on February 14, 2015, when you contacted us to dispute a February 13, charge from *** for $1, A copy of your [redacted] Rental Agreement that included your account number is enclosed for your referenceWe reviewed your case again and based on the information you provided, your case was denied, as explained in the February 26, letter from our Fraud Assistance Center (copy enclosed)If you want to continue the dispute, we encourage you to contact [redacted] ***, as it appears you thought they would be responsible for the chargesThe account is currently overdrawnBecause of this, we ask that you please make a deposit as soon as possible to bring the account to a positive or zero balanceDoing so may prevent the account from being closed with an owed balance and reported to various consumer reporting agenciesThis 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 liable for this debt and this letter is not an attempt to collect a debt but is being sent for notice purposes only Ms [redacted] , we hope the information provided is helpful to youIf you have any questions or need further assistance, please contact our Fraud Assistance Center at [redacted] A representative will be glad to help youSincerely, [redacted] *** Assistant Vice President Client Advocacy Team

Dear Ms [redacted] : We received your correspondence regarding the above referenced caseHowever, you did not include a signed authorization form from Mr [redacted] Therefore, we are unable to provide you with a copy of our response to Mr [redacted] dated May 3, Upon receipt of the signed authorization form, we will gladly share a copy of our response with your officeMs [redacted] , if you have any questions regarding this letter, you may contact our Mortgage Escalations Resolution Team at 855.223.4640, Monday through Friday from B a.mto p.m., ETSincerely, Wanda H*** Officer Mortgage Escalations Resolution Team

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

Dear Ms [redacted] : I have received and reviewed your correspondence forwarded to us by the Revdex.com 11px;">regarding the closure of the above referenced accountI appreciate the opportunity to respond You indicated that when you contacted us to inquire about the account you were unable to obtain correct informationI regret that you were not given accurate information at the time of the callOur records reflect that a check that was deposited in the amount of $was returned to us unpaidBecause of this the business decision was made to close the accountSunTrust accounts are governed by our Rules and Regulations tor Deposit Accounts, a copy of which is provided to our clients at account openingDetailed information concerning this matter is included on pages and of our Rules and Regulations for Deposit Accounts (enclosed) and on our website suntrust.com (see About Us-+Fee Schedules-+ Deposit Account Disclosures)Ms [redacted] , I understand how frustrating this matter has beenYou will need to contact the maker of the check to collect the amount of the checkPlease remit $to our: Restitution Coordinator, P.OBox 2600, Mail Code VA-NNS-6491, Norfolk, VA 32501-We wish you the best in your future endeavorsSincerely, [redacted] Officer Client Advocacy Team

Re: Revdex.com Case [redacted] for [redacted] SunTrust Bank has responded to the complalnt flled by Mr [redacted] Since we do not have authorization from Mr [redacted] to share our response with the Revdex.com, we cannot enclose a copyPlease 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 [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] While the specific incident with SunTrust has been "resolved" and funds returned the underlying problem still exists [redacted] has a processing issue where an incorrect credit card number with a different expiration date and name srtill processedI whote to [redacted] and have yet to receive a rely [redacted] [redacted] [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

Re: Revdex.com (Revdex.com) Case Dear Ms [redacted] : We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding a check that was negotiated by SunTrust in errorI am sorry for any inconvenience this matter may have caused you, and I appreciate the opportunity to respondOur records reflect that we received a claim from [redacted] on January 11, We have responded to ***, and they will contact you regarding this matterMsHeberlie, should you have any questions about this claim, please call ***Sincerely, Diane *** Assistant Vice President Client Advocacy Office

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 have emailed supporting documentation to Revdex.com that clearly shows the issue of Suntrust's reporting Suntrust has stated "that they are reportin to the bureaus a closed date of March The supporting documentation I have sent identifies the following errors: - Paid Chrg 07- - Pymt History: 09- Signifying a payment was made on Sept - Shows a balance on account thru June - States "High Balance of $69,from 12/to 07/ - Shows date closed 07/10/ - Shows a running balance in the payment history of $63, - Shows last payment 03-01- All of this information is from [redacted] and [redacted] This incorrect information is currently preventing us from obtaining a mortgage loan from I-Mortgage Regards, [redacted]

Dear Ms [redacted] : We received your letter regarding the above-referenced case, however you did not include a signed authorization form from Ms [redacted] Therefore, we are unable to provide you with a copy of our response to Ms [redacted] dated March 14, Upon receipt of the signed authorization form, we will gladly share a copy of our response with your officeMs [redacted] , if 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 ., ETSincerely, Wanda H*** Officer Mortgage Escalations Resolution Team

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 Chris L [redacted] – Officer – Client Advocacy Management Office

We have responded to [redacted] by letter on June 5, If you have any questions about our response, please contact [redacted] Sincerely, [redacted] ***

Re: Primary Business Checking Account ending in *** Everyday Checking Account ending in *** Revdex.com (B8B) Case [redacted] Dear Mr [redacted] : We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding the right of offset debited from your above referenced Account We appreciate the opportunity to respondOur records show that, from September through November 13,2014, your business account had a negative balanceOn November 14,2014, we debited $from your Account *** and applied the funds to your business account which satisfied the negative balance, and the business account was closed (statement copies enclosed)The right of offset was processed in accordance with our Rules and Regulations for Deposit Accounts, Enclosed are pages and of our Rules for your reviewOur Rules are provided at account opening and on our website suntrust.com (see About Us--+Fee Schedules---+Deposit Account Disclosures)You mentioned that you would offer a settlement of $for your business account if we reversed the right of offset transactionWe will agree to your offer upon receipt of $from youWe will then reopen the business account to reverse the right of offset transaction and apply the credit of $to Account ***Once the reversal is completedthe account will be closedEnclosed for your convenience is an envelope for your use in sending the check to usIf you prefer, you can visit the *** *** Branch, and the manager Ms [redacted] will assist you with this matterThis communication is an attempt to collect a debt and any Information you provide, whether written or verbalwill be used for that purposeHowever, if your debt is discharged in bankruptcy or you are protected by the automatic stay in a bankruptcy proceedingSunTrust recognizes that you may not be liable for this debt and this letter is not an attempt to collect a debt but Is being sent for notice purposes onlyMr [redacted] , we hope the information provided is helpful to youIf we may be of further assistance, please don't hesitate to call Ms [redacted] at [redacted] She will be grad to help youSincerely, [redacted] *** [redacted] Client Advocacy Team

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

Dear [redacted] , We received your correspondence regarding the above referenced caseHowever, you did not include a signed authorization form from the clientTherefore, we are unable to provide you a copy of our response to the client dated March 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 Sincerely, [redacted] Officer

Dear [redacted] ***We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding an insurance check that was deposited into your above referenced account on April 27, We understand that we did not meet your expectations in this situation and apologize for any inconvenience caused I understand that [redacted] ***, manager of our [redacted] , is diligently working with [redacted] to get this issue resolved as soon as possible.On April 29, 2015, due to a missing endorsement ( [redacted] ***), a hold was placed on your April 27, deposit of $6,( [redacted] ***)Instructions were given to branch representatives that we needed all payees to sign an Indemnification AgreementOn May 21, 2015, because the agreement had not been completed, we debited your account $6,984.02, and the funds were returned to [redacted] ***Furthermore, on May 29, 2015, the original deposited check was returned by [redacted] for a missing endorsement, and the funds were again debited from your accountThis left an account balance of negative $6,All overdraft and extended overdraft fees that were assessed due to this incident were refunded ( [redacted] ***)[redacted] ***, your satisfaction in importance to us, and we ask that you allow up the opportunity to regain your confidenceIf you have any questions or concerns regarding your account, please do not hesitate to contact [redacted] at [redacted] She will be glad to speak with you

Dear [redacted] : We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding overdraft fees assessed to the above referenced accountWe appreciate the opportunity to respond Our records reflect that on September 2,2014, two deposits totaling $($and $ATM deposits) were credited, which brought the account balance to $Two debit card purchases totaling $and a point of sale purchase at [redacted] for $were paid leaving an available balance of $That same day, five additional debit card purchases were made against non-sufficient fundsAs a result of these transactions, you incurred five $overdraft item fees totaling $180, which brought the account balance to -$On September 3, 2014, two more debit card purchases were made against non-sufficient funds and you incurred two additional $overdraft item fees of $72.00, which brought the account balance to -$On September 4, 2014, a $Payroll Direct Deposit was credited, which brought the account balance to -$85,That same day, two debit card purchases totaling $were made against non-sufficient funds, As a result of these transactions, you incurred two $overdraft item fees of (72.00) which brought the account balance to -$On September 8, 2014, a recurring debit card purchase in the amount of $was paid against non-sufficient funds and you incurred a $overdraft item fee which brought the account balance to -$ Our records also reflect that on September 9, 2014, an extended overdraft fee ($36.00) was assessed due to the account being overdrawn for seven consecutive days (September through September 9, 2012)Enclosed is your September statement for your reviewI have also enclosed a copy of our Personal Deposit Accounts Fee Schedule, provided at account opening and also available on our website The posting order of your items is in accordance with our Rules and Regulations for Deposit AccountsEnclosed is page of our Rules for your reviewOur Rules are provided at account opening and on our website suntrust.com Our records reflect that courtesy refunds for overdraft fees have been provided previouslyBased on this information and that items were presented for payment against insufficient balances, we have determined that the assessed overdraft fees are valid will remain We want to be sure you are aware that our website contains helpful information on how to manage your account and avoid feesYou 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 In addition, as a suggestion, you may want to set up Overdraft Protection, whereby a protector account is linked to your transaction account to cover any shorfalls and decline Overdraft Coverage on ATM and everyday debit card transactions when the available balance is not sufficient to cover the transactionDetailed information concerning these services may be found on our websitesAdditional information regarding Overdraft Coverage is included on page of our Personal Deposit Accounts Fee Schedule You also expressed concerns about the fees and servicing of your accountIt 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 product 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 [redacted] and [redacted] , we hope this information is helpfulShould you have any questions, please do not hesitate to contact us via your Online Banking Profile, call us at [redacted] or visit any SunTrust branchA representative will gladly assist you Sincerely, [redacted] Assistant Vice President