SunTrust Mortgage

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] Several months ago I filed a complaint with Suntrust in regards to harassing phone calls I receive from their mortgage department on a consistent basisMy mortgage is current but yet I receive letters and phone calls with their attempt collect a debt with the threaten of foreclosureI have spoken to different people who claim they have resolved this issue and yet I am getting contactedTHIS HAS TO STOP!I work from home a lot and for my phone to consistently ring for NO REASON at allI am starting to feel as if my first complaint is causing them to retaliate against meFor me to get calls with a recording saying they need documentation to stop foreclosure on my home and for representatives to ask me if I want keep my home is beyond wrongI have done research on complaints against Suntrust and it appears this is something that they doI am contacting you all again as well as the Federal Trade Commission to get this matter resolvedFor me to be consistently harassed over a non issue is beyond aggravating and uncalled forI never asked for assistance from them, yet they say I didThe word frustrated is an understatement to how I am feeling.? For Suntrust to stop with the uncalled for threats and for them to stop calling me periodGet my account records straight and remove me from the so called automated system that is calling me

Dear [redacted] : We have received and reviewed the correspondence that was forward to our office from the Revdex.com (Revdex.com) regarding the above referenced loanWe appreciate the opportunity to look into the issues raised and to provide a response to you We have reviewed your concerns about the negative information on your credit report regarding this loanWe are required to report credit information accurately to the credit reporting bureaus to which we report (***, [redacted] and [redacted] ) As a courtesy, we confirmed that the reporting for [redacted] , [redacted] and [redacted] has been accurateHowever, we did learn that [redacted] was reporting an October delinquency under the prior construction loan ( [redacted] )An update has been submitted to [redacted] to remove the negative information from your credit reportIf you have any questions regarding the reporting, please contact the credit reporting agenciesAlthough we furnish the information to the credit reporting agencies, SunTrust Mortgage, Incdoes not control how it appears on your credit report [redacted] , if you have any questions regarding the information presented, you may contact our Mortgage Escalations Resolution team at [redacted] , Monday through Friday from 8a.m to p.m., ET Sincerely, [redacted] ***

We received your correspondence regarding the above referenced caseBecause you did not include a signed authorization form from the client, we are unable to provide youa copy of our response to the client dated May 31, Upon receipt of the signedauthorization form, we will gladly share a copy of our response with your office.Thank you for contacting SunTrust

Dear [redacted] ***: We have received and reviewed your correspondence forwarded to us from the Revdex.com and the CFPB regarding a hold that was placed on a deposit you made into your above referenced accountWe appreciate the opportunity to respond SunTrust strives to provide you with the earliest access to your money within the guidelines of sound banking practiceAlthough we may delay theavailability of certain funds deposited to your account (place a hold on funds), we strictly adhere to Federal Banking Regulations concerning this matterAs disclosed in our Funds Availability Policy Disclosure for Deposit Accounts, which is provided at account opening and is available on our website Suntrust.com (see About Us-Fee Schedules Funds Availability Policy for Deposit Accounts), longer delays may apply if we believe a check you deposited will not be paid Our records reflect that on August 18, a check for $14,was deposited to your account (copy enclosed)During the review process of the deposit, we determined that a hold needed to be placed on the account for $14,due to the reason noted on the Notice of Hold (copy enclosed) which we sent you on August 20,The Notice also advised when the funds would be made available, The funds were available for your use on August 27,Upon further review, it was revealed there was sufficient information available to verify the checkWe apologize for this errorPlease be assured all of our client's deposited checks may be subject to holds We understarrd we did rrot meet your expectations in this situation and regret any inconvenience causedPlease be assured your comments concerning this matter were forwarded to the appropriate management area [redacted] ***, your satisfaction is important to us and we ask that you allow us the opportunity to regain your confidenceIf you have any questions or concerns regarding your account, please do not hesitate to contact us via your Online Banking Profile, call us at [redacted] ( [redacted] ) or visit any SunTrust branchA representative will be glad to assist youThank you for banking with SunTrust Sincerely, [redacted] Assistant Vice President

Dear Mr [redacted] : We have received and reviewed the correspondence that was forwarded to our office from the Revdex.com (Revdex.com) regarding the above referenced loanWe appreciate the opportunity to look into the issue raised and to provide a response to youOn February 5, 2016, you spoke to Ms Angela [redacted] , Mortgage Escalations Specialist, who discussed your concerns regarding the loan process and apologized for the error causedAfter further review, it was determined that the incorrect amount was used for the lot fees, which placed the debt-to"income ratio outside of the program guidelinesMs [redacted] offered to review the loan again; however, you advised that you had secured new financing and did not wish to proceed with the loanMr [redacted] , we sincerely regret the problems you encountered during the processing of your loan application and regret any inconvenience that was causedAs a goodwill gesture, on February 17, we credited your card used in the initial transaction $as a refund of the credit report feeIf you have any questions regarding this letter, you may contact our Mortgage Escalations Resolution Team at 855.223.4640, Monday through Friday from a.m to p.mETSincerely, Kewanna *** Officer Mortgage Escalations Resolution Team

Horrible customer service on physician home loansThey preapprove every doc to try to capture their business, then deny them at last minute if they are on an income guarantee for one year and/or have any open malpractice suits against them, even if the doc is insuredThey do not tell you upfront their underwriters will not give final approval to a doctor loan if you have any open medical malpractice suits against you and/or are on an income guarantee of only one yearThey are unreasonable, wAste your time asking for explanations, and preapprove you without looking at your contract (my broker had my employment contract for over a month before he told me my one year income guarantee was too risky)DO NOT APPLY for a doctor loan with SuntrustThey may at the last minute not approve it, even if you have been preapproved to make a bid and even if you have provided them with your employment contract a month ahead of timeAccording to John the broker and Lakiesha the servicer, they will not provide any physician loans to docs named in suits, because, according to them, your medical license may be revokedAny doctor reading this knows this is not how it worksIf you want a physician loan, go to a company that has experience and understands how doctor employment contracts work and understands that malpractice cases rarely put doctors at any financial risks of they have malpractice insuranceI found another loan with a small local reputable bank for similar terms, although not as good an interest rate in hoursThankfully I had visited this banker in person before trying to get a mortgage with Suntrust

November 15, Revdex.com Serving Central Virginia, IncAttn: [redacted] *** Moorefield Park Dr., SteRichmond, VA Re: Client Name: [redacted] *** Case [redacted] Revdex.com Case Number: [redacted] Dear Ms***: We received your correspondence regarding the above referenced caseBecause you did not include a signed authorization form from the client, we are unable to provide you a copy of our response to the client dated November 15, Upon receipt of the signed authorization form, we will gladly share a copy of our response with your officeThank you for contacting SunTrustSincerely, Kenya W*** Mortgage Escalations Resolution Team

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.First, Suntrust continues to determine that my LTV ratio needs to be 75% when my PMI disclosure (attached) clearly states that it is removed when a LTV 80% is reachedFurthermore, it states that PMI is automatically removed when LTV reached 78%These figures correlate to the federal guidelines in the Homeowner's Protection ActIt is still unclear how Suntrust is generating the LTV 75% value required for PMI removalSecondly, their BPO still conflicts with what the appraiser communicated to meThe appraiser stated that he does not submit a single value, but a range of valuesI would like to see (1) Suntrust's policies and procedures for how they determine the value of someone's home from a BPO (2) the original appraisal from the appraiser (not a stripped down version) Regards, [redacted]

Dear Ms [redacted] :? We received your correspondence regarding the above referenced caseHowever, you? did not include a signed authorization form from Mrs***Therefore, we are unable to? provide you with a copy of our response to · Mrs [redacted] dated March 29, 2016_ Upon? receipt of the signed authorization form, we will gladly share a copy of our response with? your office.? Ms [redacted] , if you have anyquestions regarding this letter, you may contact our? Mortgage Escalations Resolution Team at 855.223.4640, Monday through Friday from? a.mto p.m., ET.? Sincerely, .? Wanda H***? Officer? Mortgage Escalations Resolution Team?

For record's sake, we called and spoke with Suntrust today (11/14) and it is my understanding that the issue is "in process" of being resolved at this timeToday was the first time that we spoke with someone at Suntrust who was able to clearly articulate the problem to us so that we can actually resolve the issue(Our previous calls with all the previous reps offered solutions that cost us more time & energy; however, did not correct the problem.) We are now waiting on Suntrust's emergency response team to contact us so that we can further discuss getting our credit score corrected in light of all the miscommunication.? Had the problem been adequately described to us on 11/8, it could have been resolved before it affected our credit report on 11/10.?

We have received and reviewed the correspondence that was forwarded to our office from the Revdex.com (Revdex.com) regarding the above referenced loanWe appreciate the opportunity to look into the issue raised and to provide a response to you.We have reviewed your loan and the lender placed policy has been flat cancelledA refund of $1,was credited to the escrow account on June 22, 2015.Our records indicate that SunTrust Mortgage, Inc(SunTrust) acquired the loan from [redacted] on November 6, The homeowners’ insurance renewal premium was due in December Unfortunately, the premium was not paid by [redacted] or SunTrust which led to the policy cancellation and lender placed cycle with SunTrustThe lender placed premium was disbursed on May 7, for $3,Upon receipt of evidence if insurance, a partial refund of $1,was credited to the escrow account and the new voluntary policy to [redacted] was paid in the amount of $1,[redacted] ***, we regret this oversight and any inconvenience this may have caused youIf you have an questions regarding the servicing of this loan, you may contact our Client Service Department at [redacted] ***, Monday through Friday from 8am to 8pm and Saturday from am to 3pm ET.If you have any questions regarding this letter you may contact our Mortgage Escalations resolution team at [redacted] Monday through Friday from 8am to 6pm ET.Sincerely, [redacted] ***

October 16, Re: Client Name: [redacted] Case Number: [redacted] Revdex.com Case #: [redacted] We received your correspondence regarding the above referenced caseBecause you did not include a signed authorization form from Mr [redacted] we are unable to provide you with a copy of our response dated October 16, Upon receipt of the signed authorization form, we will gladly share a copy of our response with your officeThank you for contacting SunTrust Mortgage, IncSincerely, Wanda H*** Officer Mortgage Escalations Resolution Team

November 15, [redacted] [redacted] *** [redacted] *** Re: Loan Numbers: and Property Address: [redacted] *** Case Number: [redacted] Revdex.com Case Number: [redacted] Dear Ms [redacted] : We have received and reviewed the letter that was forwarded to our office from the Revdex.com regarding the above referenced accountWe appreciate the opportunity to look into the issue raised and to provide a responseOur records indicate that we previously received a similar correspondence and responded to your concerns in the attached letter dated October 25, As stated in the letter, we have no record of receiving a reaffirmation agreement that was filed with the bankruptcy courtsThus, we are not reporting your payment history to the credit reporting agenciesIf 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***

We received your correspondence regarding the above referenced caseBecause you did not include a signed authorization form from Ms [redacted] we are unable to provide you with a copy of our response to Ms [redacted] dated April 4, Upon receipt of the signed authorization form, we will gladly share a copy of our response with your office.Thank you for contacting SunTrust Mortgage, Inc.Sincerely,Wanda H***

Revdex.com: The businesses fail to address my complaint They claim that they did not receive a release formI submitted the release form a day after I received the request in the mail around July 1st I will locate a copy that I sent and resend it todayThis matter remains unsettled 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 Regards, [redacted]

We received your correspondence regarding the above referenced caseBecause you did not include a signed authorization form from Mr [redacted] we are unable to provide you with a copy of our response dated May 2, Upon receipt of the signed authorization form, we will gladly share a copy of our response with your office.Thank you for contacting SunTrust Mortgage, Inc.Sincerely,Wanda H***

Dear Mr [redacted] We have received and reviewed the correspondence that was forwarded to our office from the Revdex.com regarding your mother's above referenced accountsWe appreciate the opportunity to look into the issue raised and to provide a response to youOur records reflect that in March 2016, a loan application ( [redacted] ) was completed to refinance the current loan [redacted] Regrettably, the refinance can be lengthy because there are several steps that are required to be completed before a final decision is rendered on the file, such as ensuring we have a complete loan application and the condo certificateAt this time, we have received the missing documents and the condo certificate from the homeowners associationWe are in the process of reviewing the file to determine if Ms [redacted] meets the criteria for a mortgage loanIf you have any questions you may contact the loan processor Jamie Malito at or the loan officer, Robert Palubiak at 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

Re: Name: [redacted] Case Number: [redacted] Revdex.com Case #: [redacted] Dear Ms ***: We received your correspondence regarding the above referenced caseHowever, 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 October 18, Upon receipt of the signed authorization form, we will gladly share a copy of our response with your officeMs***, 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 Enclosures: State and Federal Disclosures STMHB cc: [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

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 To whom it may concern: Thank you for taking the time to respond - which is ironic because I had to send an official complaint to the Revdex.com for anyone to talk with me from your companyI must say that my experience with SunTrust Mortgage has been one of the worst experiences with a mortgage company, or any company for that matter, and I have purchased several personal and business properties in the pastThank goodness my realtor advised me to apply with a second lender the second time y'all looked over my applicationWith that said, I have closed on the property and am thankful that it was not with you as my lenderYour pre-approval and overall application process needs serious revisionA physician loan should take into account my contract income as a physician as stated by both the loan officer and loan processor, so whatever rationale you want to verbalize as the reason my DTI ratio was excessive is fabrication of whatever numbers y'all decided to use, which to this day has not been disclosed to me, despite me asking Keyana twice for the exact figures used to calculate my DTI RatioIf my ratio was so excessive, how on earth was I able to obtain both pre-approval and final approval from another lender in less time than it took to deal with y'all? Someone with a credit score, who has never made a late payment in my life! And because I choose to do my own taxes and write off everything that I am legally and entitled to, I no longer qualify for a loan? You guys are ridiculousThe number of promises by your company is outrageous, and I made sure your CEO Dorinda S [redacted] knew of my disappointment with your companyRegardless, I have my home, and that is all that mattersI will never utilize your company for any of my financial services Regards, [redacted] ***