SunTrust Mortgage

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
I've reviewed the issue further with my wife and she was able to clarify for me that she did not submit written communication to remove the extra principal amount added to the draft, because it seemed it was removed automaticallyWhen receiving the letter which stated our new payment after the ESCROW reevaluation, it said our new payment was X, which is what we deposited for draftThat amount was the new payment without the extra principal amount, which we further verified would be correct by looking at our account onlineIt was our understanding that this changed the terms of our payment and the additional $would no longer be includedIf you were to pull the call when my wife discussed this matter with one of your customer service reps, you would hear that they confirmed "sometimes the web site is wrong" and admitted fault for the miscommunicationI believe the call occurred on April 14th, This is an entirely unacceptable response when the results are a negative submission to the credit bureauIf we don't have all the information necessary to make those changes, how can you expect us to follow that? If you say the new payment is one thing in a formal letter, and then draft a different amount, that seems like complete miscommunication.
I'm not asking for a concession, adjustment, or anything of actual value to Suntrust, but rather just a simple correction on my credit reportThis is a small thing to Suntrust but completely wrecks my purchasing power, hopefully the importance here conveys
Regards,
*** ***

Dear ** ***,
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 October 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,
*** ***
Officer
Mortgage Escalations Resolution Team

Dear ** ***We have received your correspondence regarding the above
referenced caseHowever, you did not included a signed authorization form from
** ***Therefore, we are unable to provide you with a copy of our response
to ** *** dated October Upon receipt of the signed
authorization form,
we will gladly share a copy of our response with your office.** ***, if you have any questions regarding this letter,
you may contact our Mortgage Escalations Resolution Team at ***, Monday
through Friday from 8am to 6pm ET.Sincerely *** ***

Dear Ms***,
We have received your correspondence regarding the above referenced caseHowever, you did not include a signed authorization form from Ms***Therefore, we are unable to provide you with a copy of our response to Ms*** dated January 8, Upon
receipt of the signed authorization form, we will gladly share our response with your office. If you have any questions regarding this letter, you may contact our Mortgage Escalations Resolution Team at ***, Monday through Friday from am to pm ET.
Sincerely,
*** ***
Officer
Mortgage Escalations Resolution Team

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID ***, 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,
*** ***

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 January 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, Kewanna C***

Re: *** ***
Case number: ***
Dear ** ***:
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 14, 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,
*** ***

Dear ** ***We have received and reviewed the correspondence that was forwarded
to our office from the Revdex.com
(Revdex.com) regarding the above referenced loan and loan applicationWe appreciate
the opportunity to look into the issue raised and to provide a response to
you.Our records indicate that we previously reviewed your
concerns and responded to you in the *** letters dated June and July 16,
We refer you to our previous response for an explanation of your repeated
concernsIn regards to your June 1, correspondence and the distance
requirement better the property and the drain field, there was a discrepancy
regarding this requirementAs you know, after further review, we verify that
the property was within state requirements and we continue with the processing
of the loanThe July 16, response was packaged and mailed that same day
along with the ***We have confirmed with our specialists that the response
was included; unfortunately, we are unable to provide tangible proof of this You have continued to communicate with ** *** *** ***,
Mortgage Escalations Specialist and ** *** ***, Vice President regarding
the review of your loan applicationThe initial loan application information
was obtained from you and the mailing address was confirmed as * *** *** ***
** *** * ***When you inquired about a conventional loan, you were advised
that a conventional loan was not likely with a 95% loan to value ratio with
mortgage insurance not that you would never get a conventional loan.The payoff of mortgage loan *** was received on May 8,
The total payoff amount was higher than the original loan amount to
include the unpaid principal balance, interest, pro rata Mortgage Insurance
Premium (MIP) and the count recording feeAlso the loan closed on September
25, with only six payments being applied to the loanIn regards to the
MIP, premiums are paid in arrears and are paid on a monthly basic not dailyIf
a refund of the MIP is warranted, it will be refunded from FHA.** ***, we regret any delay and confusion that may have
been caused during the review of your loan applicationAs stated previously,
we offered to extend the initial interest rate and compensate you up to $
per day for room and board and $Per day for the extension of the purchase contract
until the loan closedThe offer was contingent upon you closing the SunTrust Mortgage,
Incand would not be offered on behalf of another lending institution as we
would not be privy to the processing of the loan application.We have thoroughly reviewed your concerns as it related to
the processing of your loan application and our position remains the sameWe
respectfully decline your requested for a refund of the cost incurred including
penalties, inspections, appraisals and cost of living for the days it took
to get a new loan

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID ***, 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,
*** *** I understanding the account was delinquent, which is why I applied However, this letter states my file was incomplete I submitted everything I was told - I even had to submit it more than once The agents changed OFTEN and I was even told they did not know why I was asked over and over again to provide a divorce decree after I said MANY times I was not divorce The fact that the file was handled by so many people and seemingly everything I submitted - there was something to do At this point I simply do not care - just as long I have in writing my home is not in danger of a short sale or a foreclosure I'm am done and just have to deal with a mortgage company I detest Thank you Revdex.com for your help

Revdex.com:
I have reviewed the offer made by the business in reference to complaint ID ***, 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: ***
Regards,
*** ***

Dear ** ***-***:
This letter is regarding your correspondence that was forwarded to our office from the Revdex.com regarding the above referenced loanWe appreciate the opportunity to respond
Our review of your file determined that we were unable to approve your application for a home retention optionHowever, your loan was eligible for liquidation options such as a short sale or deed in lieuOn June 20, 2014, we sent you the enclosed letter providing you an explanation of our decisionIf you have any questions regarding the liquidation options, please contact *** ***, the Home Preservation Client Representative (HPCR) assigned to your file at ***, ext***, Monday through Friday from am to pm, or Saturday from am to pm., ETIf ** *** is not available another representative will be happy to assist you.
** ***-***, if you have any questions regarding this letter you may contact our Mortgage Escalations Resolution Team at ***, Monday through Friday from am to pm., ET
Sincerely,
*** ***
Officer
Mortgage Escalations Resolutions Team

[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 ***, 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: [email protected]
Regards,
*** ***
It has been resolvedThank you

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
When we received the letter there was nothing that stated having the BPO completed would change it to a LTV of 75% or less.As of 10/the actual LTV was 75.2%.It is unbelievable that your company will not remove the PMI over 0.2% when there where improvements done to the home that greatly increased it's value as well as our contract stated 80%LTV and even the front of the letter you sent stated it could be paid down to 80%.Nowhere did it say that the BPO would change those terms.Just a mention of age requirements with no mention as to when you request a BPO that it changes to these age requirement terms.The age requirement even sated it could be waived if improvements had been made and there have been a lot of improvements done.This letter is very misleading and I'm sure that we are not the only ones who have suffered due to the misleading wording of your letter.Banks act like they are suffering yet they are the ones who got bail out money from the government,not us.We have continued to pay our bills on time even through the recession and all we wanted was for the PMI to be removed since the value of our home has increased.In your response you state that after we make our Dec payment to submit another request to have our PMI removed but I feel that once we do there will be some other excuse as to why it can't be removed(such as the BPO is too old).So how will we know that it will be approved for removal if we were willing to accept that as a resolution?
Regards,
*** ***

[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 ***, 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: [email protected]
Regards,
*** *** *** from Suntrust has contacted me and state that a check would be mailed today 10/05/15 for the $overdraft fees I incurredSince this was the exact resolution I desired I am willing to drop the case. If there is anything else you need from me please call ***Thank you,*** ** ***

Revdex.com:
I have reviewed the offer made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear belowIn reference to the records that reflect a charge off on May 9, is un true. Charge off was done much later. Once again and I make clear that so much time elapsed because of the "clouds" and inconsistancies that were found on the closing documents and title to the property. This is why everything was held. The "clouds" that were found was information that was omitted as well as names to kep personnel that were ommitted. I believe that the Revdex.com should look into it further as well as contact the CFPB for further detail I have a very large file that I can start sending to all parties involved for further processing and review.
The only closure that I ask for og Suntruist is a Deed in Lieu. I do not believe that I was treated fairly. You further mention on your letter dated February 25, to contact the Recovery Department but I do not appreciate being hung up on. Your department did not resolve anything when I called them February 6, 2015. You have very unprofessional employees working at this department that do not do any justice in assisting with an issue
Please advise as soon as possible when a Deed in Lieu can be given to finalize the transaction
Regards,*** ***

Dear sir or Ma'am,I mistakenly listed *** *** *** as the date I was first contacted by SunTrust Mortgage about my mortgage being delinquent. The correct date of me first being contacted by SunTrust Mortgage was June *** ***Thank You** ***

Dear Ms***: 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 concerns about the negative information on your credit report regarding this loanOn January 5, 2016, we submitted an update to the affected credit bureau(s) (Equrrax, Experian, TransUnion), which will report the foreclosure sale date as August 19, We sincerely regret any inconvenience that matter may have been caused. Ms***, 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.mET. Sincerely, Kewanna C*** Officer Mortgage Escalations Resolution Team

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 January 9, Upon receipt of the signed authorization form, we will gladly share a
copy of our response with your office.Thank you for contacting SunTrust

Suntrust have being unable to get to close a simple refinance in more than monthsFirst *** was 01.28.2015Always changes in rate, pointsNo returning calls to review info or to confirm appointments set by SUNTURST Bank to close
I contacted the ManagerShe said sorry many times, an explained " Is because we have a big number of casesBut I will call you next weekIt was months agoI get In touch with VPHe commited to close and explains exactly the same "sorry, we will solve the data issue and get you to close this week" It was weeks ago
I get an email from Loan Office"No file is schedule for today's Thursday at 5:00pm I will get in contact with closer and inform you the updated information
Thank you"
Tow hours later another email, from same person "What I tried to say is your loan is schedule for today's closing"
At PM the time the settlement was scheduled Email from Settlement officeSorry We are still waiting for the documents
Still waitingIm just curious !!!!
Some routes are copy and paste from actual emails

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. S*** *M***Officer - Client Advocacy Management Office