American Summit IncDBA Summit Realtors

Dear [redacted] ***:We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding overdraft fees assessed to your above referenced account and the order in which we post items to accountsThank you for taking the time to speak with me about these concernsI appreciate the opportunity to respond.Our records show that, on September 15, 2015, your beginning account balance was $There were pending items from [redacted] ($and $5.76), [redacted] ($8.33), SQ [redacted] ($13.02), [redacted] ($25.06), [redacted] ($40.00) and [redacted] ($75.36) which reduced your available balance to $A credit for $increased that balance to $During processing several items were presented and paid ( [redacted] for $466.15, two [redacted] card Online Pmts for $and $40.00, [redacted] for $33.62, [redacted] for $13.60, [redacted] for $8.01, [redacted] for $8.00, [redacted] for $and [redacted] for $Because we limit the total overdraft fees assessed to six per day, you were assessed six $overdraft fees totaling $An overdraft transfer credit of $and on overdraft transfer fee of $also posted to the accountAfter all the items were processed your end-of-day available balance was negative $ your account because positive on September 17, when a direct deposit from TWE Shared Services for $1,was credit your accountThese transactions are reflected on the enclosed statementBased on the above information and that items were presented for payment against insufficient balance, we have determined that the assessed overdraft fees totaling $You also received a refund totaling $on September 30, At this time no additional refunds will be available to you.The posting order of your items is in accordance with our Rules and regulations For Deposits Accounts [redacted] is page of our Rules for your reviewOur Rules are provided at account opening and no our website suntrust.com (see about us- fee schedules- deposit account disclosures).Concerning debit card transactions, once a debit transaction is authorized, a hold is placed on the client’s account reducing the available balance Funds on hold for pending debit card transactions cannot be used for other purposes even though the transactions 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 balancesDetailed information concerning this matter is found in our Rules on page ( [redacted] ).We want to be sure you are aware that our website contains helpful information on how to manage your account and avoid fees (see Banking-Personal Checking-Account Features- 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 be setting up Email or Mobile Alerts[redacted] ***, I understand the difficulty an overdrawn account can cause and regret the frustration you experiencedI hope the information provided is helpful to youIf we may be of further assistance, please don’t hesitate to contact us via your Online Banking Profile, call [redacted] or visit any SunTrust BranchOur representatives will be glad to help youThank you for banking with SunTrustSincerely, [redacted] ***

Re: Revdex.com complaint# [redacted] SunTrust has responded to our client but cannot share the response with the Revdex.com as no signed thirq party authorization was receivedPlease 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]

I requested a personal loan from SunTrust They explained loans are handled by their subsidiary/partner - [redacted] Within an hour of my request, I received a very simple electronic loan application I filled it out in about min There was one area that needed clarification and I was requested to call them I did I was happy that I did not have to go through a long sequence of press for x, for y, etc, The "real person" I spoke to was friendly, knowledgeable and understandable (not outsourced to foreign country) I received confirmation same day, got a great loan rates, and I will have money deposited in my account tomorrow! This was so refreshing - absolutely great customer service Thanks you!

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 Dear SunTrust: Today I received the response from SunTrust regarding my checking account that they closedIt is very upsetting to that I have gone back and forth over almost a month period with you and there has been absolutely no changeI see in the letter that SunTrust has the right to deny doing business with anyone who they chooseAt this point after seeing that you have absolutely no regard for your costumers I wouldn't choose to do business with SunTrust and I definitely would not recommend anyone to do it either People place their money in Banks not only for the convenience that they will have but mostly because it’s been widely advised for safety factorsCarrying plastic is better than carrying cash, and holding large amounts of money in your home could make people potential targets for home invasionsI trusted my money (no matter how small of an amount) to be safe within your bank because that’s what banks are supposed to doBefore the point where my account was compromised, there were no bounced checks, there were no patterns of my account going into the negative on a regular basisI tried to conduct good business with SunTrustThe moment when SunTrust was supposed to show me why SunTrust is better than any other bank out there .the moment when SunTrust was supposed to protect my interest, it simply didn’tIn fact although I am the victim, I then became the suspect, and then punished for a crime I had not committedInstead of trying to find the perpetrator or apologizing for what happened to me, you placed me in a situation where none of your associates could provide me with any information and in limbo trying to figure out how something like this could happen Not one but two of your employees, the first lady I spoke to on the phone when I realized that a scam was happening on my account, then a SunTrust representative who called in response to my Revdex.com claim both acknowledged that this type of crime against deposit accounts are common and there have been a rise in these type of claims in recent yearsSo if there has been a rise in claims SunTrust must then know it is possible for this to happen to me Your well wishes for me to have success in my future investment endeavors are emptyNot only have you closed my account but you also have reported me to check systems making it hard for me to even attempt to move on from this nightmare I have been living in the last couple of monthsHow can I move on if I can’t even open another account? I am a stay at home mom that can’t even do businessDo you even care that I have two children and am struggling to make things work because the conveniences of having a checking account you have robed me of? Am I satisfied with this response, NO! Do I accept this offer, NO! It would have been nice to get my money back but at this point like I told your SunTrust Representative when she called and promised to get to the bottom of everything because this is something she sees a lot, I only want my name off check systemsTake my name off of check systems and this will be resolved Regards, [redacted]

[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 spoken to the bank and recieved the records I requestedNo further action required 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] ***

Re: [redacted] Revdex.com Case [redacted] We responded to Mr [redacted] by letter on June 2, If you have any questions about our response, please contact Mr***

Re: [redacted] Revdex.com Case [redacted] We responded to Ms [redacted] by letter on April 2, If you have any questions about our response, please contact MsThompsonSincerely, [redacted] *** Vice President and Manager Executive Services

Dear Mr [redacted] : We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding our Online Banking with Bill Pay Service and the scheduled payment to your landlord that arrived lateI appreciate the opportunity to respondWhen you visited suntrust.com to establish Online Banking with Bill Pay, you agreed to the Online Services Agreement (see Personal Banking~Banking -;:::t~Online Bill Pay--+Online Banking Service Agreement)In accordance with the terms and conditions of this Agreement (pages through enclosed), listed under (c) Bill Pay Service Guarantee, "The Provider will bear responsibility for any late payment related charges up to $per payment, should a payment post after its Due Date as long as the payment was scheduled in accordance with the guidelines described under "Bill Payment Scheduling" in the Agreement." Please keep in mind that, when scheduling payments, you must select a scheduled payment date that is no later than the actual due date reflected on your biller statementScheduled payment dates must be prior to any late date or grace periodWhen your landlord was contacted, he advised us that the actual due date for your rent payment is the first day of the monthYou scheduled your rent payment for November 3, 2015, which was after the November 1, due dateFor this reason, the bill pay guarantee is void in this instanceBased on this information, we respectfully deny a refund of late feesMr [redacted] , although this is not the resolution you are seeking, we hope the information provided is helpful to youIf we may be of further assistance, please do not hesitate to contact us via your Online Banking Profile, call 800.SUNTRUST (800.786.8787) or visit any SunTrust branchOur representatives will be glad to help youThank you for choosing SunTrust for your banking needsKathy B*** OfficerClient Advocacy 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 Seth *M***

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 AM***

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

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 [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear belowLate payment status still reflects on my Transunion, Experian and Equifax credit reportPlease have those status removed Thank you, [redacted] ***

We have responded to [redacted] by letter on June 10, If you have any questions about our response, please contact [redacted] Sincerely, [redacted] ***

Thank you for resolving this issue 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] ***

We contacted the client by phone to ensure that she was aware the matter had already been resolved by the branch by refunding the fees requestedShe acknowledged this fact and thanked us for the call Please close this case on your records Seth AM***

Re: Revdex.com complaint# [redacted] - [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

Dear [redacted] ***: We have received and reviewed the correspondence that was forward to us form the Revdex.com (Revdex.com) regarding the above referenced loanWe appreciate the opportunity to respondWe have reviewed your concerns about the negative information on your credit report regarding loan [redacted] We are required to report credit information accurately to the credit reporting agencies to which we report ( [redacted] , [redacted] , and ***)Our review revealed that your January 1, payment in the amount of $ [redacted] was received and posted in February 18, [redacted] is a copy of the check that we received which reflect a date of February 13, The next payment in the amount of [redacted] was received on March 18, and posted as your February 1, paymentSince your payments received were over days late the credit reporting is accurate, therefore, a change will not be submitted to the credit agencies A of the date of this letter, the next payment is due on March 1, for loan [redacted] Our records also reflect that loan [redacted] was paid as agreedThe loan is currently due for the April 1, paymentWe have [redacted] a Customer Account Activity Statement for both loans from January 1, to the current date [redacted] ***, if you have any questions regarding this letter, you may contact our Mortgage Escalations resolution Team at [redacted] , Monday through Friday from a.m to p.m ETIf you have any servicing questions, please contact our Client Service Department at [redacted] Monday through Friday 8am to pm, or Saturday fromam to pm ETSincerely, [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