SunTrust Mortgage

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.?

November 15, 2016? Revdex.com Serving Central Virginia, Inc.? Attn: *** ***? Moorefield Park Dr., Ste300? Richmond, VA 23236? Re: Client Name: *** *** ***? Case ***? Revdex.com Case Number: ***? 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 office.? Thank you for contacting SunTrust.? Sincerely,? Kenya W***? Mortgage Escalations Resolution Team

Re: Loan Number: ***Property Address: ** *** *** *** *** ** ***? Case Numbers: *** and ***? CFPB Case Number: ***? Revdex.com Case#: ***? Dear Mr***:? This letter is regarding the correspondence that was forwarded to our office
from the Better Business? Bureau (Revdex.com), and the Consumer Financial Protection Bureau (CFPB) regarding the above? referenced loanWe appreciate the opportunity to look into the issue and to provide a response to? you.? Our records reflect that in March 2016, you submitted a request to remove the Private Mortgage? Insurance (PMI)Our review of your file reflected that you were not eligible for the PMI deletionOn? April 13, 2016, we provided you a list of the PMI Waiver RequirementsIn addition, you were? informed that you could reduce your principal balance by submitting a check in the amount of? $34,to equal a loan-to-value (LTV) ratio of 80%However, if improvements have been made? on the home that significantly increased the value we could order a Brokers Price Option (BPO) to? determine the new valueThe cost of the BPO was $However, since your account closed in? November and your loan was less than five years old, the L1V must be below 75% Enclosed is? a copy of the PMI letters sent to you on April 13, 2016.? On April 7, 2016, we received a personal check (1167) dated April 19, in the amount of $105.00? and the BPO was orderedOn May 4, 2016, we received the BPO and the property value was? ***, which resulted in the LTV of 93.4%, which was higher than the 75% threshold for the? PMI DeletionThus, your PMI deletion request was deniedPlease be advised the property value? used in our evaluation is the "As Is Pricen on page of of the enclosed BPO Because your? account does not meet the requirements to delete PMI, we respectfully deny your request to have it? removed.? If you have any questions regarding the servicing of your account, please contact Client Services? Department at Monday through Friday from a.mto p.mor Saturday from a.mto? p.m., ETIf 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?

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 apologize for the tardiness in my reply to this matter.? Suntrust did finally contact me.? Apparently their answer is they will not consider the documentation I have provided them for rental income, even though I use a rental property company and have documentation for every month showing the rental payments.? I was told I have to show a positive income amount from the rental on my tax return in order for them to consider these payments.? I explained that this would never be the case unless I can refinance, as I do not gain money on the rental, the payments just pay for the mortgage itself.? The response was that I can reapply next year.***
***

Client Name: *** ***Revdex.com Case Number: ***? Attached is the SunTrust Mortgage response to your inquiry.? ? *** ***Officer-Mortgage? Escalations? Resolution? TeamSunTrust Mortgage, IncSemmes Avenue, Mail Code VA-RVW 7813, Richmond, VA? 23224Ph:

November 21, 2016? Revdex.com Serving Central Virginia, Inc.? Attn: *** ***? Moorefield Park Dr., Ste 300? Richmond, VA 23236? Re: Name: *** ** ***? Case Number: ***? Revdex.com Case #: ***? Dear Ms***:? We received your correspondence regarding the above referenced caseBecause you? did not include a signed authorization form from Mrs***, we are unable to provide you? with a copy of our response to Mrs*** dated November 21, 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***? Officer? Mortgage Escalations Resolution Team

November 16, 2016 Revdex.com Serving Central Virginia, Inc. Attn: [redacted]
"">Moorefield Park Dr., Ste 300 Richmond, VA 23236 [redacted] Dear Ms[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 to Mr[redacted] dated November 16, 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[redacted] Officer Mortgage Escalations Resolution Team

We received your correspondence regarding the above referenced caseBecause you did not include a signed authorization form from Mr*** 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***

After delay and issues with customer service he received the check

Dear ** and *** ***:This letter is regarding correspondence that was forward to
our office from the Revdex.com *Revdex.com) regarding my previous response
dated September 24, for the above referenced loanThank you for allowing
me the opportunity to once again respond to your concerns.Under circumstances your account is not eligible for
recast until February Thus, the letter you were provided dated September
24, was correctHowever, we can request an exception from the investor as
we have received the “Recorded’ Security Instrument from the *** ***, which
is required.Below are the recast instructions:The December 1, payment is required prior to the
receipt of your request to recast your accountA written statement requesting a recast of your loan (a copy
of the letter is not acceptable0, and a minimum of $5,principal curtailment
in the form of a check or money orderWe also need documentation showing the
source of funds used to apply towards the principal curtailmentThis information must be received by our Special Loans
Department no later than November 15, Please send the information to: ***,Upon receipt of the requested recast information, we will prepare
a Recast Modification Agreement for your signature (this agreement must be
witnessed and notarized) and returned back within days of when the Recast
Modification Agreement was sent to youPlease understand these documents must
be received prior to December 4, to ensure we have sufficient time to
process your request for the new payment to be effective January 1,
paymentOnce the recast process is completed you will be notified.As of the date of this letter, your account is not eligible
for Private Mortgage Insurance (PMI) DeletionsOn October 16, 2015, we mailed
your the PMI deletion Requirements.If you have any questions concerning the servicing of your
account, please contact the Client Services Department at *** *** *** Monday through
Friday from 8am to 8pm or Saturday from 9am to 3pmIf you have any questions regarding
this letter, you may contact our Mortgage Escalation Resolution Team at ***
Monday through Friday from am to 6pmSincerely,*** ***

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 received a call from SunTrust on 9/telling me to disregard the letter dated 9/and that we would be receiving new letters regarding a recast for November as well as information on what needed to be completed in order to eliminate the mortgage insurance.? As of today, I have not received those letters.? This proposal is acceptable but would like to receive the communications as soon as possible so that we can move ahead with the compromise that was offered
Regards,
*** ***

December 7, 2016 Revdex.com Serving Central Virginia, Inc. Attn: [redacted]
"">Moorefield Park Dr., Ste 300 Richmond, VA 23236 Re: Name: [redacted] Case Number: [redacted] Revdex.com Case #: [redacted] Dear Ms[redacted]: 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 December 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 Mortgage, Inc. Sincerely, Wanda H[redacted] Officer Mortgage Escalations Resolution Team

We received your correspondence regarding the above referenced case. Because you did not include a signed authorization form from Ms. [redacted] we are unable to provide you with a copy of our response dated April 27, 2018. 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[redacted]

November 29, 2016 Revdex.com Serving Central Virginia, Inc. Attn: [redacted]
"">Moorefield Park Dr., Ste 300 Richmond, VA 23236 Re: Name: [redacted] Case Number: [redacted] Revdex.com Case #: [redacted] Dear Ms[redacted]: 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 November 29, 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, Kenya W[redacted] Mortgage Escalations Resolution Team

October 5, 2016 Revdex.com Serving Central Virginia, Inc. Attn: [redacted]
"">Moorefield Park Dr., Ste 300 Richmond, VA 23236 Re: Borrower's Name: [redacted] Case Number: [redacted] Revdex.com Case #: [redacted] Dear Ms[redacted]: We received your correspondence regarding the above referenced caseHowever, you did not include a signed authorization form from Mr[redacted]Therefore, we are unable to provide you with a copy of our response to Mr[redacted] dated October 5, Upon receipt of the signed authorization form, we will gladly share a copy of our response with your office. Ms[redacted], 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[redacted] Officer Mortgage Escalations Resolution Team

November 29, 2016 Revdex.com Serving Central Virginia, Inc. Attn: [redacted]
"">Moorefield Park Dr., Ste 300 Richmond, VA 23236 Re: Client Name: [redacted] Case Number: [redacted] Revdex.com Case #: [redacted] Dear Ms[redacted]: 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 November 29, 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, Kenya W[redacted] Mortgage Escalations Resolution Team

Dear Ms. [redacted]: We have received and reviewed the correspondences that were forwarded to our office from the Consumer Financial...

Protection Bureau (CFPB), Revdex.com (Revdex.com) and Florida Attorney General's Office regarding the above referenced loan. We appreciate the opportunity to look into the issue raised and to provide a response to you. Our records indicate that we have reviewed your concerns and responded to you in our enclosed letter dated May 14, 2015. I am glad that we were able to resolve this matter for you. In further review of your account, we received notice from our flood zone determination vendor that the property's flood zone was reclassified from flood zone "Xn to "AH" in October 2014. Flood insurance is required for properties located in flood zone. "AW. As the servicing agent of the mortgage we will always require evidence of insurance for the mortgaged property to protect both parties' interest in the event of a loss. Between November 2014 and April 2015, you communicated with FEMA and our Insurance Department to provide the Letter of Map Amendment (LOMA) as evidence that the property was in flood zone "X". In April 2015, we received adequate evidence, LOMA dated March 12, 2015, reflecting flood zone "X". The lender placed flood insurance policy was cancelled and a refund of $617.90 was issued for the policy premium paid on November 21, 2014. However, the full premium of $948.32 should have been refunded. On April 28, 2015, the remaining balance of $330.42 was deposited into the escrow account. Ms. [redacted], we regret the delay and any inconvenience that may have been caused. If you have any questions regarding the servicing of the loan, you may contact our Client Services Department at 800.634.7928, Monday through Friday from 8 a.m.to 8 p.m. and Saturday from 9 a.m. to 3 p.m. ET. If you have any questions regarding this letter, you may contact our Mortgage Escalations Resolution Team at 855.223.4640, Monday through Friday from 8 a.m. to 6 p.m. ET. Sincerely, [redacted] Officer Mortgage Escalations Resolution Team

Dear Mr. [redacted] This letter is regarding your correspondence that was forwarded to our office from the Revdex.com (Revdex.com) regarding the above referenced loan. We appreciate the opportunity to respond. Our records reflect that on December 17, 2014, we...

withdrew $1,390.00 from your escrow account and paid your [redacted] premium. On January 29, 2015, we received a refund in the amount of $1,390.00 from [redacted] and the funds were deposited into your escrow account. On the same day, we withdrew another $1,390.00 from your escrow account and sent a check to [redacted] We later learn from your agent, that you paid the premium on January 13, 2015. Because the check sent to your insurance company was a bulk check that included other clients' payment for their premiums, we were unable to place ·a stop payment on the check. We have confirmed with [redacted] that your policy is active and currently paid In full. On February 17, 2015, your insurance carrier refunded you the $1,390.00 over payment for the premium. On March 3, 2015, your escrow account was deleted; therefore, you are now responsible for making timely payments for your real estate taxes and homeowners' insurance. You will receive a refund In the amount of $689.20 under separate cover, which represents the escrow balance. Your new payment is $483.74. Your March 2015 payment was received and applied on March 3·, 2015. As of the date of this letter, your account is due for the April 1, 2015 payment. Mr. [redacted] we sincerely apologize for the confusion and Inconvenience this matter may have caused you. If you have any questions regarding the servicing of your account. you may contact our Client Servies Department at 800.634.7928, Monday through Friday from 8:00 a.m. to 8:00 p.m. or Saturday from 9:00 a.m. to 3:00 p.m., ET. If you have any questions regarding this letter, you may contact our Mortgage Escalations Resolutlon Team at 855.223.4640, Monday through Friday from B a.m to 6 p.m., ET. A representative will be glad to assist you. Sincerely, [redacted] Officer Mortgage Escalations Resolution Team

Dear [redacted]:
We received your correspondence regarding the above referenced case. However, you did not include a signed authorization form from the client. Therefore, we are unable to provide you a copy of our response to the client date August 11, 2014. 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,
[redacted]
Officer
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.
[Provide details of why you are not satisfied with this resolution.]
Regards,
[redacted]
After my contract with the Revdex.com, SunTrust cut off communication with me except for the required by law. They cost my family and myself approximately $15,000. They also left us homeless for 30 days.  Every time I communicated errors in their internal investigations, they continued to cut off communication and refused to settled as previously agreed to do.I contacted the Revdex.com with hope to get true communication with them and make a settlement.  Instead I received less communication and direct refusal to talk with me. I have not heard from the Revdex.com or SunTrust on the information I provided. According to SunTrust any time a complaint is received,  they must open a case. This again has not happened.At this point I have lost all faith in people doing what is right. I believe big business no longer cares about people. Big business cares about money only.  Unfortunately,  after this experience,  I also no longer believe in agencies like the Revdex.com. When a company hears the name Revdex.com, they do the opposite of what you are saying. They stop communicating with people.  They are more concerned about reputation and money than the listening to the concerns and improving.I'm at a loss of what my options are and have no where to turn. Thank you for the information, but as I stated,  I have not heard back about submitted information and now SunTrust has cut off all communication although a new case should have been opened.