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SunTrust Mortgage Reviews (962)

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.

Dear [redacted]
We have received and reviewed your correspondence that was forwarded to our office from the Consumer Financial Protection Bureau (CFPB), the Better Business (Revdex.com) and your letter regarding the above referenced loan. We appreciate the opportunity to look into the...

issue raised and provide a response to you.
Thank you for bring to our attnetion the problems you experienced with the servicing of your loan. it is always SunTrust's aim to provide superior service, and we regret any instance when we fall short of that goal. On Behalf of SunTrust, we apologize for the manner in which your payments were handled and for any inconvenience that matter may have casued you.
We have determined that when the loan was reinstated in June 2013, a misapplication of the funds casued the loan to become a month behind. To rectify this issue, we are reversing $[redacted] that was applied to fees and combinging it with the $39.50 that you currently have in the suspense account to satisfy the December 1, 2013 payment. The loan will reflect a due date of January 1, 2014.
[redacted], please accept our apologies for the inconveinence you have experienced in rectifing this issue. If you have any questions regarding this letter, you may contact our Mortgage Escalations Resolutions Team at [redacted], monday through Friday from 8am to 6om ET.
Sincerely,
[redacted]

This letter is in response to your correspondence regarding the flood insurance on the above referenced property. Thank you for the opportunity to address your concerns.SunTrust Mortgage (STM) received copies of the non-NFIP flood insurance policies; however, the [redacted] flood policy...

did not meet the definition of “private flood insurance” as specified under Code 42 US Statute 4012a(b)(7). We contacted the agent, [redacted], and were advised that they would not endorse their policy to make it acceptable. Since the condo agent would not endorse the policy, STM could not accept it as valid insurance coverage; therefore, lender placed insurance was purchased. Please be advised that you have to option to purchase a unit owner flood policy for the Minimum Required Amount of $[redacted] and remit that to STM. Please be advised that if you purchase a non-NFIP flood policy, it will be subject to the same review as the condo flood policy, meaning it will need to meet the legal definition of “private flood insurance”. If you chose to purchase flood insurance, please mail a copy of the policy to [redacted] or fax to [redacted]If you have any other questions regarding the servicing of your account, please contact our Client Services Department at [redacted], Monday through Friday from 8:00 a.m. to 8:00p.m. or Saturday from 9:00 a.m. to 3:00 p.m. ET. A representative will be glad to assist you.If you have any questions regarding this letter, you may contact our Mortgage Escalations Resolution Team at [redacted] Monday through Friday from 8 a.m. to 6 p.m. ET.Sincerely

Dear Ms. [redacted]: We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding your experience after you...

opened your above referenced account. We appreciate the opportunity to respond . .Your comments regarding the service you received from our representatives are Important to us. Sun Trust's goal is to provide exceptional service to everyone, and we regret that we fell short of this goal for you . Our records reflect that, on April 20, 2015, you opened an account over the phone. The account was funded on April 23, 2015 with a deposit for $100 from [redacted]l Association. On April 26 and 27, 2015, debit card purchases that were made at [redacted] ($61.49) and [redacted] ($30.06) were presented and paid. Your end-of-day balance on April 27 was $8.45 On April 28, 2015, the $100 deposit was returned (copy enclosed) and debited from your account. This left you with a negative balance of $91.55. Also, on that date a $12.50 returned item fee and a $36.00 overdraft were debited from your account, which left an end-of day balance of negative $140.05. A Shell Oil debit for $5.92 was presented and paid on April 30, 2015. Because you declined overdraft coverage, there was no overdraft fee assessed. The April 30, 2015 end-of-day balance was negative $145.97. On May 1, 2015, as a courtesy, we refunded the $12.50 returned item fee and the. $36.00 overdraft fee; this left a negative balance of $97.47. On May 5, 2015, because the account remained overdrawn for seven consecutive days, a $36.00 extended overdraft fee was assessed. This left a negative balance of $133.47. On May 11, 2015, a $1.00 deposit was credited to your account, and on May 15, the extended overdraft fee of $36.00 was refunded, leaving you with a balance of negative $96.47. This communication is an attempt to collect a debt and any information you provide, whether written or verbal, will be used for that purpose. However, if your debt is discharged in bankruptcy or you are protected by the automatic stay in a bankruptcy proceeding, SunTrust recognizes that you may not be liable for this debt and this letter Is not an attempt to collect a debt but Is being sent for notice purposes only. Because the account is currently overdrawn, we ask that you please make a deposit as soon as possible to bring the account to a positive or zero balance. Doing so may prevent the account from being closed with an owed balance and reported to various consumer reporting agencies. We want to be sure that you are aware of our website suntrust.com, which contains helpful information on how to manage your account and avoid fees (see Banking---.Personal Checking-4Account Features-;.Qverdraft Services---.Facts About Banking). You will also find useful information about our overdraft services. As ~ suggestion, you may want to set up Overdraft Protection, whereby a protector account is linked to your transaction account to cover any shortfalls. Detailed information, including any fees, about this service is found on our website (see Banking-4Personal Checking---.Account Features-40verdraft Services). You may also monitor your account by using our Online Banking service and receive Email or Mobile Alerts when the balance gets too low or becomes overdrawn. Instructions for signing up for these services are also found on our website and when using our Online Banking service. Ms. [redacted], we hope the information provided is helpful to you . If we may be of further assistance, please don't hesitate to contact us via your Online Banking Profile, call us at 800.SUNTRUST (800. 786.8787) or visit any SunTrust branch. Our representatives will be glad to help you. Sincerely, [redacted] Assistant Vice President Client Advocacy Team

Dear [redacted]:
We received your correspondence regarding the above referenced case. Because 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 April 2, 2014. Upon receipt of the signed authorization form, we will gladly share a copy of our response with your office.
Thank you for contact SunTrust.
Sincerely,
[redacted]

Dear Ms. [redacted]: We have received and reviewed the correspondence that was forwarded to our office from the Revdex.com (Revdex.com)...

regarding the above referenced loan. We 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 loan. On 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, 2009. We sincerely regret any inconvenience that matter may have been caused. 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 8 a.m. to 6 p.m. ET. Sincerely, Kewanna C[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.SunTrust represenative was un able to assit me regarding my complaint, since I am not an account holder of this bank. So this meansthat if a non account holder uses the bank ATM they are assuming all risk of transaction. 
Regards,
[redacted]

November 15, 2016 [redacted] 
[redacted] 
[redacted]  11px;">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 account. We appreciate the opportunity to look into the issue raised and to provide a response. Our records indicate that we previously received a similar correspondence and responded to your concerns in the attached letter dated October 25, 2016. As stated in the letter, we have no record of receiving a reaffirmation agreement that was filed with the bankruptcy courts. Thus, we are not reporting your payment history to the credit reporting agencies. 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, Wanda H[redacted]

November 15, 2016 [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 account. We appreciate the opportunity to look into the issue raised and to provide a response. Our records indicate that we previously received a similar correspondence and responded to your concerns in the attached letter dated October 25, 2016. As stated in the letter, we have no record of receiving a reaffirmation agreement that was filed with the bankruptcy courts. Thus, we are not reporting your payment history to the credit reporting agencies. 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, Wanda H[redacted]

We received your correspondence regarding the above referenced case. Because 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, 2017. 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]

Dear ** and [redacted]:This letter is regarding the correspondence that was
forwarded to or office from the Revdex.com (Revdex.com) regarding the
above referenced loan. We appreciate the opportunity to look into the issue raised
and to provide a response to you.Our records reflect that...

in August 2015, 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 deletion. On August 24, 2015,
we provided you a list of the PMI Waiver Requirements based on your loan-value
(LVT) of 81.5% at that time. In addition, you were informed that you could
reduce your principal balance by submitting a check in the amount of $3,509.55
to equal a LTV ratio of 80%. However, if improvements have been made on the
home that has significantly increased the values of we could order a Broker
Price Option (BPO) to determine the new value. The cost of BPO was $105.00. However,
since your account closed on June 30, 2014 and your loan was less than five
years old, the LTV must be below 75% ratio. [redacted] is a copy of your PMI letters
send to  you on August 24, 2015.On September 25, 2015, we received a personal check ([redacted]) dated
September 19, 2015 in the amount of $105.00 and the BPO was ordered. On September
29, 2105, we received the BPO that showed the property value was $254,000.00
and the LVT changed to 75.3% which was higher than the 75% ratio threshold for
PMI cancellation. Thus, your PMI deletion request was denied.On October 5, 2015, we sent you a letter and advised that we
denied your request to delete PMI. You were informed that the combination of
the current principal balance of $191.234.15 and the current property value of
$254,000.00 resulted in a LTV ratio of 75.3% which did not meet the requirement
of 75% or less. At that time, you were provided the option of making a
principal payment of $734.15, which has not been received.We suggest that after you make your December 2015 payment,
that you resubmit another written request to delete the PMI. At that time, your
principal balance may be reduced enough to delete the PMI. Please be advised
you must also have a good payment history with no payments 60 or more days past
due within two years and no payments 30 or more days past due within one year
when you resubmit your written request to delete PMI.If you have any questions regarding the servicing of your
account, you may contact our Client Services Department at [redacted], Monday
through Friday 8am to 8pm or Saturday from 9am to 3pm. If you have questions
regarding this letter you may contact our Mortgage Escalations Resolution Team
at [redacted] Monday through Friday from 8am to 6pm.Sincerely,[redacted]

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 loan. We 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 loan. We are required to report credit information accurately to the credit reporting bureaus to which we report ([redacted], [redacted] and [redacted]).
As a courtesy, we confirmed that the reporting for [redacted], [redacted] and [redacted] has been accurate. However, we did learn that [redacted] was reporting an October 2010 delinquency under the prior construction loan ([redacted]). An update has been submitted to [redacted] to remove the negative information from your credit report. If you have any questions regarding the reporting, please contact the credit reporting agencies. Although we furnish the information to the credit reporting agencies, SunTrust Mortgage, Inc. does 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 6 p.m., ET.
Sincerely,
[redacted]

[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 [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [email protected].
Regards,
[redacted]
Consumer confirmed requested response was received and thanked all involved in assisting him in this case.

Dear Mr. [redacted]: Thank you for speaking with me about your correspondence forwarded to us from the Revdex.com  11px;">regarding the court ordered levy we received for the above referenced account. We appreciate the opportunity to respond. As we discussed, your concerns were forwarded to our Legal Department for review. The legal opinion provided to us is that the proper hold was placed on the funds in your · account: therefore, SunTrust is not liable for any wrongdoing. The manner in which the court order was processed is in accordance with our Rules and Regulations For Deposit Accounts, which is provided.at account opening and is available on our website suntrust.corn (see About Us-+Fee Schedules..-.Deposit Account Disclosures). For your review, I have enclosed page 24 of our Rules, which details the legal process against accounts. You were concerned that you were charged a $100 levy processing fee. We received the court order on February 23, 2015, and you were not assessed a fee for the levy, as indicated on the enclosed statement. Regarding withdrawals on the account, the exception to the levy is noted on your account for the first $3,500 to be available to you. In our telephone conversation, you acknowledged that you are aware this exception is only made available if you transact an over the counter withdrawal in person at any of our branches. Mr. [redacted], we hope this information is helpful to you. If you have questions regarding the levy, please contact the [redacted] Child Support Office. Sincerely, [redacted] Officer Client Advocacy 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.
They still do not understand the issue at hand. They think I'm unhappy that there was a shortfall in my escrow account. I'm unhappy because they were negligent in calculating the shortfall and took the lazy approach and used prior year similar months escrow payments were, instead of the new payments that were paid a couple of months later. I'm an accountant so I know 100% they are dead wrong. So now I have to suffer because of their laziness and negligence? Seems ridiculous 
Regards,
[redacted]

Dear Mr. [redacted]: We have received and reviewed the letter that was forwarded to our office from the Revdex.com and the...

Consumer Financial Protection Bureau (CFPB) regarding · the above referenced loan. We appreciate the opportunity to look into the issue raised and to provide a response. At SunTrust Mortgage, Inc. we work hard to provide exceptional service to every client and regret any instance when we fall short of the goal. We apologize for any inconvenience this matter may have caused. We have reviewed your file and determined that the payoff statement generated on December 9, 2015 reflected the incorrect year (2015 instead of 2016). Thus, additional funds were required to pay the l9an in full. To rectify this error, on January 8, 2016 we deposited $5,4 76.41 into your SunTrust Bank account ending in 8162, which represented the additional interest you paid to satisfy your loan balance and you confirmed receipt of the funds. Please be advised that you will receive an escrow refund in the amount of $1,001 .62 within 30-days of the date the loan was paid in full. We are currently in the process of preparing the mortgage satisfaction documents to Palm Beach County to release the lien. Once processed, the release will be part of the official land records and available for future real estate transactions. Mr. [redacted], it has been a pleasure to service yo.ur mortgage account. We value our business relationship with you and would welcome the opportunity to assist you with any future financing. 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, Wanda H[redacted] Officer Mortgage Escalations Resolution Team

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.

Re: [redacted]  [redacted]
Case number: [redacted]
Dear [redacted]:
We received your correspondence regarding the above referenced case. Because 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 April 2,...

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]

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 loan. We 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 [redacted], 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 guidelines. Ms. [redacted] 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. [redacted], we sincerely regret the problems you encountered during the processing of your loan application and regret any inconvenience that was caused. As a goodwill gesture, on February 17, 2016 we credited your card used in the initial transaction $25.00 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 8 a.m . to 6 p.m. ET. Sincerely, Kewanna [redacted] Officer Mortgage Escalations Resolution Team

Dear Ms. [redacted]: We received your correspondence regarding the above referenced case. However, 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 December 1, 2015. 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 8 a.m. to 6 p.m., ET. Sincerely, Wanda H[redacted]

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Description: Mortgage Bankers

Address: 901 Semmes Ave, Richmond, Virginia, United States, 23224-2270

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