SunTrust Mortgage

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 March 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

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
1) This offer submitted by Suntrust is release permission only Signed permission to release information to Revdex.com was submitted via their form Please reply if their form is not adequate
2) In conversation with Suntrust (Bianca, 7/5/phone conversation) agreed error was on their part and agreed to remove all erroneous delinquent payment reports from credit agencies Result from *** shows delinquent payment is still present See attached report
3) Per Revdex.com complaint request, Suntrust is requested to remove delinquent payments from all credit reports and restore credit ranking to ***s as was the case before erroneous delinquent payment report Please provide proof in writing
Regards,
*** ** ***

Dear MsJones:? 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 8, 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,? Kenya W***?

Dear ** ***:This letter is in response to your correspondence dated
August 25, and 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.At SunTrust Mortgage, Incwe work hard to provide
exceptional service to each and every client and regret any instance when we
fall short of this goalIt is particularly helpful when our clients let us
know when they have experienced a problem or are unhappy with the service
providedPlease be assured that your comments about your experienced have been
shared with the appropriate management areas for review.Our records reflect that on June 17, your loan was
activated in loss mitigations to be reviewed for payment assistanceIn reviewing
your account for retention options, we evaluate the financial information to
determine if you can afford the monthly paymentsWe based our decisions on the
requirements of the investor and the programs availableThe enclosed
Evaluations Notice indicated that we could not assist you with retention
options because you have insufficient income; therefore, we were unable to
accomplish an affordable payment amountHowever, we did approve you for a
liquidation option which was a conditional short saleIf you should have any
questions concerning the loss mitigation process, please contact your home
preservation Client representatives (HPCR) *** *** at ***, extension ***
Monday through Friday a.m to P.m or you can press the options to speak with
a bashould ** *** not be available as the department is open Monday through
Friday a.m to p.m and Saturday from a.m to p.mET.Your file reflects that you are receiving payment assistance
through *** *** with the principal and interest portion of your payment in
the amount of $and you are required to cover the escrow portion of your
payment in the amount of $239.33.You are required to pay the full contractual amount of
$by check, cashier check, money order, case at a SunTrust Branch, or an
electronic payment.On August 10, 2015, you were sent the *** breach letter
informing you the account was due for the July and August paymentsThe total
amount due was $1,Because the loan was delinquent, you were informed
that a property inspection was ordered to ensure the property was not vacant or
abandonedThe property inspection was completed on September 1, On September
14, 2015, your account was assessed a property inspection fee in the amount of
$20.00.As a courtesy, on September 4, we waived a late fee in
the amount of $ON September 10, we received and posted $1,as
the July and August payments of $and $to a late feeAs of
the date of this letter your account is due for the September 1, monthly
mortgage payment in the amount if $if you have any questions, regarding
the servicing of your account, please contact the Client Service Department at
*** Monday through Friday from 8am to 8pm or Saturday from 9am to 3pm.If you have any questions regarding this letter you may
contact our Mortgage Escalations Resolution Team at *** Monday through
Friday from 8am to 6pm.Sincerely,*** ***

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 of all, the first modification program was June 1st, July 1st and August 1st, not May, June and JulyI made all the payments on time.? I did not receive after, completing the TPP, an? agreement? for a year term at a 4,00% interest rate, a monthly payment of $All I received was a cancelation notice from Suntrust on September 8th and the next day a notice from the *** ***, a foreclosure companyFour weeks later the foreclosure company sent the contract back to Suntrust because they could not foreclose when someone is in a HAMP programThis was only notice when I talked to the representative from the foreclose companySomehow the HAMP payments made to Suntrust did not show up on the ledger that Suntrust had sent to the to the foreclosure company.? I was told this by a representative of the foreclosure on the 3rd of October 2013.The original loan on the house was 7.125% for yearsThe Deed of Trust says my name only and not marriedSunTrust says that they are? unable to change the interest rate on the loan as the loan does not qualify for a 2.00% interest rate reduction, adjustedBut I do qualify for a 2% loanThe February 2015? loan modification was a 5.5% loan for years! I did not think this was a fair modificationIn February I became badly disabledI have had major surgeries since and still can not walk with more to come.? ? All I want is a fair mortgage loan
Regards,
*** ***

Dear Mr***:? 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.? On
February 5, 2016, you spoke to Ms Angela ***, Mortgage Escalations Specialist, who? discussed your concerns regarding the loan process and apologized for the error caused.? After 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*** offered? to review the loan again; however, you advised that you had secured new financing and did? not wish to proceed with the loan.? Mr***, 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 fee.? 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.m to p.mET.? Sincerely,? Kewanna ***? 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
I am faxing to *** the three fax confirmation sheets to prove that suntrust is lying in their responseThey told my real estate agent that a new application had to be done and I faxed my new application along with a letter on the fax coversheet denying the appeal process for the first offer that *** *** rejected, not the buyer.It was only after me and my agent called suntrust repeatedly 3-a week that suntrust finally escalated my file and it got looked at on july my file went untouched and not worked by suntrust for four weeks, why because they are trying to force me to forclose
Regards,
*** ***

Dear ** ***: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 issues
raised and to provide a response to you.We reviewed your concerns
previously and responded to you in
the enclosed letter dated November 4, In our letter, an explanation was
provided regarding the escrow account as it relates to the insurance and taxes
As noted the escrow account was established on your loan due to delinquent
taxes were paid by SunTrust Mortgage, Inc? (SunTrust) On your behalf.Our records indicate that on June 22, 2015, the escrow
account was established and delinquent taxes in the amount of $were
disbursed fro the escrow accountWe learned that the taxes were
delinquent in March in the amount of $3,ON May 8, 2015, we
verified that the taxes were partially paid and the unpaid balance was
$1,On June 22, 2015, the tax delinquency was $and according to
*** *** there were no payment arrangement on the parcel at that timeTo avoid
attorney fees, the escrow account was established and the taxes were paid by
SunTrustThe enclosed letters were sent to you dated March 27, 2015, May 8,
2015, and June 23, each time we reviewed the taxes.When an account is non-escrowed, it is the responsibility of
the borrower to maintain timely payments of the property taxes and homeowner’s
insuranceIf the borrower fails to pay those amounts when due, an escrow
account is established and will remain for the life of the loan as indicated on
our June 23, letter.An escrow analysis was performed on August 5, to
include the property tax collectionThe monthly payment increased to $1,
effective with the October 1, paymentA shortage of $3,was
determinedThe annual escrow analyst was completed on February 18, and
the monthly payment changed to $The shortage amount determined was
$1,Since you have paid towards the escrow shortage, the monthly payment
was adjusted to $effective May 1, 2016.The loan is currently due for the February through June
paymentsIncluding the fees that have been assessed to the account, the
amount to bring that loan current is $4,as of the date of this letterBelow
is a breakdown of the total amount due:payments- $2,(February, March and April each
$991.29) payments- $1,(May and June each $846.75) Late Fees- $Returned Check Fees- $Loan Documents- $Total- $4,914.57As of the date of this letter the loan is not in
foreclosure, but it the delinquency remains foreclosure may be imminent** ***, I left a message for you on June 17, requesting
a return callIf you would like to discuss this matter further, you may
contact me directly at ***, Monday through Friday from 7am- 4pmIf you
prefer, you may visit a lo9cal SunTrust Bank branch and request a conference
call with me, you and a branch representative.If you have any questions regarding this letter, you may
contact our Mortgage Escalations Resolution Team at *** *** *** Monday through
Friday from 8am to 6pm.Sincerely,Kewanna C***

Dear Ms***:We received your correspondence regarding the above referenced caseBecause you did not include a signed authorization form from Ms*** we are unable to provide youwith a copy of our response to Ms*** dated March 8, 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***

[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,
*** ***
Consumer confirmed requested response was received and thanked all involved in assisting him in this case

Re: Name: *** ***? Case Number: ***? Revdex.com Case #: ***? Dear Ms***:? We 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 October 18, Upon? receipt of the signed authorization form, we will gladly share a copy of our response with? your office.? 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.m., ET.? Sincerely,? Wanda H***? Officer? Mortgage Escalations Resolution Team? Enclosures: State and Federal Disclosures STMHB? cc: *** ***

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 ***, 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.]
?
I do appreciate the administrative efforts taken by the Revdex.com and your timely efforts toward resolving this complaintI initiated this loan process with Sun Trust with full expectations that it would be a speedy and simple effort due to the fact that I was a current customer who already had a well maintained, up to date mortgage with themSun Trusts poor efforts to manage my new loan request was totally unacceptable and cost me $2,in additional fees from the new lenderYes, Sun Trust did offer to "revisit" my loan request days after no contact what so ever, a loan rejection letter I received and with no guarantees that it would be approved.The process for obtaining any loan is usually one built on time constraints and measured in days not weeks, such as mine wasIt was also known by Sun Trust that I was well underway in the process of selling my present home and working the purchase on a new residence (the reason for the loan request) which placed me under even more of a constraint.? A $"credit application fee" credit is appreciated but trivial, my actual loss due to Sun Trust failures and lax attitude toward my loans management, poor timely responses and their lack of reasonable debt research has cost me $2,in origination and point feesThis is what I would consider a resolvable resolution to closing this complaintThe additional charges I've endured were directly due to the lack of simple process management on behalf of the Sun Trust Mortgage Co.? ? ? ? ? ? ? ? Regards,
*** ***

Dear Ms***:We have received and reviewed the correspondence that was forwarded to our office from the Better? Business Bureau (Revdex.com) regarding the above referenced loanWe appreciate the opportunity to look? into the issue raised and to provide a response to you.? Our records
indicate that your loan became active in our Loss Mitigations Department for review of? eligibility on January 25, At that time, the loan was two months delinquentAn Incomplete? Information Notice was mailed to you on January 26, and February 26, to request? adequate documents in order to continue the reviewThe documents received were incomplete;? thus, the loan was removed from the loss mitigation process on March 29, 2016.? We received a new loss mitigation application on April 13, 2016, which was deemed complete on? May 26, Our evaluation determined that the loan was no longer eligible for a loan modification? since a Principal Forgiveness Modification was granted in This modification reinstated the loan? and provided a principal forgiveness in the amount of $121,The first payment due on the? modification was August 1, Please know that we are unable to render a decision for loss? mitigation eligibility until a complete application is receivedOur Home Preservation Client? Representatives do not decision loans upfront and could not have provided this information until a full? evaluation had been conductedThe loan was removed from the loss mitigation process on? August 8, after the appeal process period expired, which we must allow in accordance with? processing guidelines.? The loan was delinquent as payments were not received on the loan and not due to the loss? mitigation processYour loan was reinstated on June 27, The loan is due for the? August 1, monthly mortgage paymentOur online website should now allow access to schedule? a paymentAs of the date of this letter, the loan is not active in foreclosure or pending a short sale.? Ms***, if you have any concerns regarding this letter, contact our Mortgage EscalationsResolution Team at We are available Monday through Friday from a.mto p.mET

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 May 1, 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,Kenya W***

October 5, 2016? Revdex.com Serving Central Virginia, Inc.? Attn: *** ***? Moorefield Park Dr., Ste 300? Richmond, VA 23236? Re: Borrower’s Name: *** ***? Case Number: ***? Revdex.com Case #: ***? Dear Ms***:? We received your correspondence
regarding the above referenced caseHowever, you? did not include a signed authorization form from Mr***Therefore, we are unable to? provide you with a copy of our response to Mr*** dated October 5, Upon? receipt of the signed authorization form, we will gladly share a copy of our response with? your office.? 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.m., ET.? Sincerely,? Wanda H***? 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 July 26, 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 MsStudemeister:? We have received and reviewed the letter forwarded to our office from the Revdex.com? regarding the above referenced loanWe appreciate the opportunity to look into the issue raised and to? provide a response.? Our records reflect that loan
numbers *** and *** was paid in full in A lien? satisfaction was sent to the locality for recordation and we also sent you two checks, which represented? the escrow balance after each loan were paid in fullFor loan number ***, you were sent? SunTrust check number *** in the amount of $***For loan number ***, you were? sent check number *** in the amount of $***.? In your letter, you stated that you did not cash the escrow refund checks *** and *** and? requested the checks to be reissuedIn researching these uncashed checks, it was determined that in? a stop payment was placed on check numbers *** and *** and the funds were moved into a? dormant SunTrust accountOn September 10, 2008, the Dormant Account Department reissued check? number *** in the amount of $*** (replaced check number ***)We also reissued? check number *** in the amount of $*** (replaced check number ***)Both checks? were mailed to you at the above mailing addressThe replacement checks would have been cashed as? they were not escheatedWe also reviewed the reporting system and could not locate any escheated? funds for $*** (check number *** and $*** (for check number ***).? Therefore, we are unable to assist you in reissuing these funds.? MsStudemeister, if you should have any questions regarding this letter, please call me at 804.923.0510,? Monday through Friday from 8:a.mto 5:p.m., ET.? Sincerely,? Wanda H***?

Dear Ms***:? We 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 May 18, Upon? receipt of
the signed authorization form, we will gladly share a copy of our response with? your office.? 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.m., ET.? Sincerely,? Wanda H***? Officer? Mortgage Escalations Resolution Team?