American Summit IncDBA Summit Realtors

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 [redacted]

Dear Mr [redacted] : We have received and reviewed your correspondence forwarded to us from the CFPB and the Revdex.com regarding SunTrust's decision to close your above referenced accountI appreciate the opportunity to respondAs we discussed during our telephone conversation on December 18th, we reviewed the matter again and the decision to close your account was reversedAccess to your funds was made available to you on December 19, Mr [redacted] , I apologize for any inconvenience this situation may have caused Should you have any questions, or concerns regarding your account, please do not hesitate to contact us via your Online Banking Profile, call us at 800.SUNTRUST (.8787) or visit any SunTrust branchA representative will be glad to assist youSincerely, Sherry [redacted] Vice President Client Advocacy Team

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]

We responded to [redacted] by letter on May 2, If you have any questions about out response, please contact [redacted]

September 30, [redacted] [redacted] *** [redacted] Re: Essential Checking Account ending in Fraud Claim [redacted] Revdex.com (Revdex.com) Case [redacted] [redacted] (***) Cases [redacted] , [redacted] and [redacted] Dear Mr [redacted] : We have received and reviewed your correspondences forwarded to us from the Revdex.com and the [redacted] regarding SunTrust's decision to decline the claim referenced aboveThank you for speaking with me about the claim processI appreciate the opportunity to respondWe have researched your case again based on the information you providedFollowing this review, our decision to decline the case will remain, as explained in the August and September 19, letters from our Fraud Assistance Center (copies enclosed)As you requested, our Registered Agent in [redacted] is: [redacted] [redacted] * *** [redacted] *** They can be reached at [redacted] Mr [redacted] , I understand this is not the resolution you were seeking from SunTrust and regret any difficulty this situation may causeShould you have any questions or new information regarding this case, please call our Fraud Assistance Center at A representative will be glad to speak with you Sincerely, Kathy B***

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 belowI don't know why [redacted] is even replying back, I was told on 3/that Sandy has taken over this complaint*** contact number is [redacted] It amazed me that Suntrust is asking me to deposit any money into that account after the lies they have told meMy account wont have been overdrawn if you didn't take the word of another merchant to charge my card I didn't authorized [redacted] or [redacted] to change me card to any amount You would think to keep a customer- they wont put them through the ** they have put me and my family throughI am currently driving a vehicle that doesn't work- since [redacted] never fixed the issue when I took my vehicle to get fixed months agoMy family and I are in the process to be homeless due to this I don't understand how Suntrust can stand as a company Like I told [redacted] *** its not even about the *** charge its about the bad communication and poor training of people that work for suntrustYou would think after all the [redacted] I been through they would atleast credit my account something just to show they are noticing there employee mistakes [Provide details of why you are not satisfied with this resolution.] Regards, [redacted]

We responded to Ms [redacted] by letter on May 14, requesting additional information necessary to investigate her complaintClient did not provide needed information and case has been closedIf you have any questions regarding this case, please contact Ms***Sincerely, William RHagen Vice President and Manager Executive Services

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 in your records

On 10/4/I had a conversation with a branch manager at the [redacted] at the [redacted] shopping center in Vienna, VAThere was some confusion as to whether or not one of the employees misled my son and open an account under his nameHe believed he was just giving exploratory information to potentially open an accountThe employee said she just needed his personal info to "hold" his place in the promotion The employee then opened an account in his nameHe gave no money, nor did he sign any account agreementWhen I, as his mother, went to inquire about this process and to get documentation the account which was open under pretenses was indeed closed, the manager refused to let me speakInsulted my son saying he should have known betterWhen I asked her to stop interrupting and let me speak, she said "Go for it" in a rude mannerFurther, she said she trusts her employees and my son was not truthfulShe would not let me speak and never apologized for the misunderstandingIn fact, she embarrassed me and refused to let me speakGiven the nature of the offense (opening an account without a signed account agreement or money to open the account), this was fraudThe account is closed now, but that does not excuse what happened

Dear [redacted] We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding the posting of items to the account referenced aboveWe appreciate the opportunity to respond:Our records show that, on May 19, 2016, your account had a balance of $1,030.27, but there were two items pending payment (ATM cash withdrawals for $and $400), reducing your available balance to $ Four transactions totaling $were presented for payment against this available balance, and the account was assessed two overdraft fees totaling $72.00.Subsequently, on May 31, 2015, your account had a balance of $Eight transactions totaling $were presented for payment against this available balance, and six $overdraft fees were assessed, totaling $216.You mentioned a pending deposit, our records do not show any deposit credited to your account on the dates of the overdraftsWe show deposits made on May 20, and on June 1, 2016, however, the overdrafts occurred on May and May 31, 2016.Bases on this information, we have determined that these fees are validHowever, as a courtesy, we refunded two $overdraft fees for a total of $to your account on June 2, Enclosed is a statement copy reflecting the above activity.The posting order of your items is in accordance with our rules and Regulations for Deposit AccountsEnclosed are pages and of our Rules for your reviewOur rules are provided at account opening and on suntrust.comAlso regarding debit card purchases, once a debit card transaction (ATM withdrawal or purchase) is authorized, a hold is placed on the client’s account reducing the available balanceFunds on hold for pending debit card transactions generally 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 balanceDetailed information concerning this matter is included on page and of our rules.In order to decrease the chance of overdraft happening again, please visit, please visit suntrust.com, where you will find helpful tips 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.You may also want to set up Overdraft Protection, whereby a protector account is linked to your transaction account to cover any potential shortfallsDetailed information about this service is found on our websiteInstructions for signing up for Overdraft Protection and setting up email or mobile alerts are also found on our website[redacted] , I hope this information is helpful to you Should you have any additional questions regarding your account, please do not hesitate to contact us via your Online Banking Profile or call us at [redacted] A representative will be glad to assist youThank you for choosing SunTrust for you financial needs.Sincerely, [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

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 The information they sent us was fabricated after the fact to appear as though they had sent us the detailed info they're required by law to deliver as soon as they place a holdI don't wish to fight this any further, nor do I wish this to show in their record as "resolved." They acted in very poor faith and have on no occasion indicated any remorse for their ill behaviorAs far as I'm concerned there is little they can do to address this short of actually apologizing & refunding the money we spent on checks that we'll never use, since we don't trust them to handle our money any longerBut since that's unlikely to happen the best thing I can see happening is for this to show as a black mark on their record and for me to get on with my life and business Regards, [redacted] ***

Dear [redacted] ***We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding your above referenced caseI appreciate the opportunity to respond.Our records reflect that, on March 24, 2015, you initiated a claim, case [redacted] , for a $charge from [redacted] that was debited from your account on February 10, Because this is considered a merchant dispute, we may pursue such a claim as a courtesyWe may attempt to recover your money with the merchant’s bank; however, we do not guarantee the outcome of the claimClaims of this type can take an extended period of timeIf recovery is made, we will credit your account for the money received.I spoke with [redacted] who informed me that the requested documents for the case were received past the required time to dispute the charges with the merchantTherefore, the case was closed.Each time I spoke with you, I provided you information that I received from our Cardmember Services DepartmentI have requested that your case be reviewed again for a resolutionI regret that [redacted] did not return your calls[redacted] ***, should you have any questions, please contact [redacted] at [redacted] , extension [redacted] He will be glad to speak with you.Sincerely, [redacted] ***

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 The letter I received stated in summary they understand that we were advised that we wanted our bank atm cards to not work if there were non sufficient funds however we later took part in overdraft protection which canceled out the prior understanding of a stop on our debit atm cards if there were non sufficient fundsThe problem is that we were never made aware of such and therefore how can we or any customer know without being made aware that it would cancel out the block on debit card use if non sufficient fundsI feel this is just an excuse and the amount of money that was taken from our account in fees was excessive and price gouging Regards, [redacted]

Dear [redacted] We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding the overdrawn status of the above referenced accountWe appreciate the opportunity to respond.In order to close an account, a zero or positive balance must exist at the time the request is madeHowever, we have no record of a requested being made to close the account prior to their being an overdrawn balanceBecause of this, the account has remained open, and any items presented to the account for payment will be handled in accordance with page of our Rules and regulations for Deposit Account (***)Our Rules are provided at account opening and on our website suntrust.com (see about us- fee schedules-deposit account disclosures)[redacted] should you have any further questions, please feel free to contact us via your Online Banking Profile, call us at [redacted] or visit any SunTrust branchOur representatives will be glad to assist you[redacted] ***

September 30, [redacted] [redacted] [redacted] Re: Interest Checking Account ending inRevdex.com (Revdex.com) Case [redacted] Dear Mr [redacted] : We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding overdraft fees assessed to the account referenced aboveI understand the difficulty this type of situation may cause and appreciate the opportunity to respond.Our records show that, on July through July 18, 2016, the account was assessed eight $overdraft fees totaling $when debits totaling $paid against an available balance of $We do not assess an overdraft fee when items for less than $are paidBecause you opted in for Overdraft Coverage, the account continued to have debit activity with some items being paid and fees assessed until the account became positive on August 1, when a Direct Deposit for $1,was credited.We have determined the fees assessed to your account are valid and will remainHowever, as a courtesy, $was refunded on September 12, Because there was no bank error, we respectfully decline your request for additional fee refundsI have enclosed statement copies for your reviewSunTrust acts in accordance with all State and Federal laws and regulations and denies the allegations of wrong doing.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 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 may also want to set up Overdraft Protection, whereby a protector account is linked to your transaction account to cover any potential shortfallsDetailed information about this service is found on our website (see Menu-Personal Checking Accounts-Features and Benefits-Overdraft Services)Instructions for signing up for Overdraft Protection and setting up email or mobile alerts are also found on our website [redacted] September 30, 2016Page 2Mr [redacted] , although this may not be the answer you expected, I hope that the information about avoiding overdrafts is helpful to youShould you have any additional questions or concerns regarding your account, please do not hesitate to contact us via your Online Banking Profile or call us at 800.SUNTRUST (800.786.8787)A representative will be glad to assist you.Sincerely,Kathy B***

We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding the modernization of our Online Banking serviceWe regret that you are having issues with this serviceI appreciate the opportunity to respond.Your comments are very importance us and were shared with the appropriate managementWe understand that we did not meet your expectations in this situation and apologize for the frustration you experienced[redacted] ***, you are a valued client, and your satisfaction is important to usIf you have any questions or concerns regarding your accounts, please do not hesitate to contact us via your online banking profile, call us at [redacted] or visit any SunTrust branchA representative will be glad to assist youThank you for banking with SunTrust.Sincerely, [redacted] ***

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 Suntrust has made no further attempt to resolve my issueThe $removed from my account by Suntrust has not been returned Regards, [redacted]

Dear Mr***:We have received and reviewed your correspondence forward to us from the Revdex.com regarding SunTrust’s decisions for the claims referenced above and your belief that you have not received all the credits for these claimsI appreciate the opportunity to respond Based on the information you provided, we have researched your claims againClaim [redacted] for a total of $was for items from [redacted] (April 1, for $100, May 9, for $and June 8, for $200)On June 10, 2016, you were credited $for the transactions from April and May 9, However, on June 14, 2016, recovery of $was received directly from the merchantFor this reason, on June 15, 2016, we reversed our provisional credit for one of the $debitsThe $ [redacted] item from June 8, was paid against your account but was reversed and returned to the merchant on this same dayRegarding Claim [redacted] , on June 13, 2016, a debit from [redacted] for $posted to your accountWe provided a $ [redacted] credit for this claim on June 27, After the additional review of your claims was completed, we determined that the $ [redacted] recovery credit received on June 14, was overlookedThis oversight caused an additional $ [redacted] to be credited to the account on July 12, 2016.To recap your claims, you were debited on the following dates: April - $100, May - $100, June - $and June - $Credits were provided on the following dates: [redacted] All credits issued will remain as final creditsWe will not be reversing the extra $ [redacted] you received in errorEnclosed are statement copies for your review.You mentioned that you received a fee refund of $in errorAfter reviewing our records, we show you were charged [redacted] , but two credits for [redacted] were processed as refunds to this fee on June 10, (statement enclosed)The [redacted] credit will remainWe understand your concern about your account information and the quality of service you received from our representativesSunTrust takes the confidentiality of our clients’ account information very seriously, and we would never intentionally share your information with an unauthorized partyYour comments about your experience are very important to us and were shared with the appropriate managementThe information you provided helps us to know where the emphasis for future training and process improvement efforts should be placedWe understand that we did not meet your expectations in this situation and regret any inconvenience causedMr***, I hope this information alleviates any additional concernsShould you have any questions regarding your claims, please call our Fraud Assistance Center at [redacted] A representative will be glad to speak with you

Dear [redacted] ***:We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding the EIN for accounts held in the name of [redacted] ***I appreciate the opportunity to respond.You mentioned that you closed your personal EIN which is being used for the accounts of [redacted] ***The EIN was assigned to that business, and even if it is closed, the number is not reassigned.For additional information regarding this matter, please use the following link to the IRS wed [redacted] I have [redacted] a printed copy for your reference[redacted] ***, please understand this is a matter that must be resolved between you and the current business ownersIf we may be of further assistance, please don’t hesitate to call [redacted] or visit any SunTrust branchOur representatives will be glad to help you.Sincerely, [redacted] ***