American Summit IncDBA Summit Realtors

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!

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

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]

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***

[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] ***

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: [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

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***

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 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

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] ***

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 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

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

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 [Provide details of why you are not satisfied with this resolution.] Regards, [redacted]