SunTrust Mortgage

Dear Mr. and Mrs. [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...

August 12, 2016, you spoke to our Loss Drafts Department regarding check number [redacted] in the amount of $33,415.58. As discussed, a stop payment was issued on that check to reissue the funds in three draws as you requested. The funds were mailed to you by federal express on August 17, 2016 in three separate checks: [redacted] for $11,138.53, [redacted] for $11,138.53 and [redacted] for $11,138.52. The package was delivered on August 19, 2016. Mr. and Mrs. [redacted], we regret any inconvenience that may have been caused. If you have any questions, you may contact our Loss Drafts Department at [redacted] Our businesshours are 8 a.m. to 8 p.m., Monday through Friday and 9 a.m. to 3 p.m., ET, on Saturday. If you have any questions regarding this letter, you may contact our Mortgage EscalationsResolution Team at [redacted], Monday through Friday from 8 a.m. to 6 p.m. ET.

Re: [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 June 20, 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 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 April 12, 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 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

October 16, 2017 Re: Client Name: [redacted] Case Number: [redacted] Revdex.com Case #: [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 October 16, 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] Officer Mortgage Escalations Resolution Team

Revdex.com:
I have reviewed the offer 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.
I would be happy to sign a form so you can publish their response which is just a bunch of excuses of why nothing is ever their fault.  I will email you my fax number and would like you to fax me the form.   They offered to do nothing for me so, of course I have rejected their offer.  Again, I want to let people know not to waste your time doing business with Suntrust Mortgage.  Cant wait to pay off this loan, which will be soon.
Regards,
[redacted]

Dear Ms. [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 December 28, 2015. Upon receipt of thesigned authorization form, we will gladly share a copy of our response with your office.

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 basis. My mortgage is current but yet I receive letters and phone calls with their attempt collect a debt with the threaten of foreclosure. I have spoken to 4 different people who claim they have resolved this issue and yet I am getting contacted. THIS HAS TO STOP!. I work from home a lot and for my phone to consistently ring for NO REASON at all. I am starting to feel as if my first complaint is causing them to retaliate against me. For 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 wrong. I have done research on complaints against Suntrust and it appears this is something that they do. I am contacting you all again as well as the Federal Trade Commission to get this matter resolved. For me to be consistently harassed over a non issue is beyond aggravating and uncalled for. I never asked for assistance from them, yet they say I did. The 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 period. Get my account records straight and remove me from the so called automated system that is calling me.

Revdex.com:
I have reviewed the offer 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.  the bank suggested I find my own comparables.I have since paid for and received an independent appraisal complete and accurate which appraises my home at over $173000.  I believe this to be a more fair reflection of the value based on what comparables are available however would fall just short what I need. Because the home is in a rural area finding anything remotely like my home is difficult.  I believe that Suntrust should reimburse my $145 paid for this evaluation as it only benefited the bank and not myself and was a totally unfair valuation of property.  I have now paid out another $400 in order to be treated fairly.  regards,[redacted]

Dear [redacted]We have received your correspondence regarding the above
referenced case. However, you did not included a signed authorization form from
[redacted]. Therefore, we are unable to provide you with a copy of our response
to [redacted] dated October 16. 2015. Upon receipt of the signed...

authorization form,
we will gladly share a copy of our response with your office.[redacted], 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]

Dear [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.
Our records indicate that your loan was approved for a Trial Payment Plan (TPP) in October 2013. The trial payments were $853.17 for the months of November 2013 through February 2014. A trail period offers you immediate payment relief and gives you time to make sure you can manage the lower monthly mortgage payment. The trial period is temporary, and your existing loan and loan requirements remain in effect and unchanged during the trial period.
On October 9, 2013, a Home Preservation Client Representative (HPCR) advised you that the permanent modified payment could change from the TPP when the loan is evaluated for final approval. Upon successful completion of the trail plan, the loan was reviewed for a permanent loan modification.
In March 2014, the final review was completed and the loan qualified for a permanent loan modification. The modified payment will increase to $864.07 (a difference of $10.91 from the TPP). Based on the financial information you provided, the interest rate changed from 2.75% (used to calculate the TPP) to 3.00%, which is sufficient and within investor requirements to reach the desire housing to income (HTI) ratio. As stated above, the trail period is temporary. The permanent modified interest rate will decrease from 6.25% to a beginning rate of 3.00%.
On April 29, 2014, you spoke with [redacted], and discussed the permanent loan modification. The loan has been removed from loss mitigation since we have not received the signed loan modification agreement. However, if you wish to accept the proposed loan modification, we will re-activiate the loan in loss mitigation. We will need the signed Modification Agreement along with the modified payments from March, April, and May 2014 totaling $2,593.24 by May 13, 2014.
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] and [redacted]). Our review revealed that our reporting to the credit reporting bureaus has been accurate; therefore, it cannot be changed. Please note, as stated in the TPP”… entering into a trail period plan may adversely affect your credit score…”
[redacted], I have [redacted] a copy of the Trail Payment Plan and Final Loan Modification Agreement for you review. If you have any questions regarding the loss mitigation process, you may contact [redacted] at [redacted]. If you have any questions regarding the information presented, you may contact our Mortgage Escalations Resolution Team at [redacted], Monday through Friday from 8am to 6pm., ET.
Sincerely,
[redacted]

Dear ** and [redacted]:This letter is regarding to 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.Our records show that on...

September 11, 2015, we researched
your concerns and provided the enclosed response. As indicated previously, your
account would not be eligible for recast review until February 2016.If you have any questions concerning the servicing of your
account, please contact our Client Services Department at [redacted] 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 Resolutions Team at [redacted], Monday through
Friday from 8am to 6pm.Sincerely,[redacted]

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 March 1, 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 any questions regarding this letter, you may contact our Mortgage Escalations Resolution Team at 855.223.4640, Monaay through Friday from 8 a.m. to 6 p.m., ET.  Sincerely,Wanda H[redacted]OfficerMortgage Escalations Resolution Team \ '

Hello,I forgot to add a desired resolution to my complaint. Please add that I would like for...

the Mortgage Co. to update the credit bureaus that I paid my mortgage on the months that they reported that I did not.
Thank you,
[redacted]

Dear Ms. [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 August 30, 2016. Upon receipt of the...

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

Dear Mr. and Mrs. [redacted]: We have received and reviewed the correspondence 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 to you. Your loan payment is due on the first day of each month as stated in your Note. A late charge is not assessed until the end of the 15th calendar day after the due date. Please be advised that once a loan becomes 30 or more days delinquent an inspection of the property may be ordered to ensure the property is not vacant or abandon. The cost of the property inspection is assessed to the mortgage account. Our records reflect that you became a month behind in your mortgage payments beginning in July of 2009. In February 2010, you brought the account current. Since there was no payment made in March 201 o the loan once again became delinquent. As of December 31, 2010, the account was due for the November and December 2010 payments. In 2011 a mortgage payment was posted each month with the exception of Nove.mber 2011 . On November 10, 2011 , we received and posted $2,075.61 to your unapplied funds account because the funds were not sufficient to satisfy the payment amount due of $2, 156.25. On December 19, 2011, we withdrew the $2,075.61 from your unapplied funds account and posted $992.95 to the late charge fees and $220.00 to the property inspection fees. The remaining $862.66 was returned to you on December 20, 2011 because the funds were insufficient to bring the loan current. Enclosed is a copy of letter that was accompanied with the check. As of December 31, 2011 the account was due for the October, November, and December 2011 payments. In 2012, we received and posted the October 2011 through September 2012 payments. In October 2012, we placed a stop payment on the check sent to you on December 20, 2011 in the amount of $862.66. On October 15, 2012, the $862.66 was applied as $479,29 late fees, $161 .13 property inspection fees, $50.00 to your escrow account and the remaining $172.24 was returned to you . The check in the amount of $172.24 was cashed. In 2013 we received and posted the October 2012 through September 2013 payments. In 2014 we received and posted the October 2013 through September 2014 payments. In 2015, we received and posted the October 2014 through July 2015 payments. In reviewing the enclosed payment history for 2009 through 2016 your payments were applied correctly to your account. Please be advised that due to the delinquency of your account the following checks you submitted were returned to you: check number 2295 on November 3, 2015 for $2,085.58, on December 4, 2015 check number 2297 for $2,085.58, on January 6, 2016 check number 2303 for $2,085.58 and on February 4, 2016 check number 2309 for $2,085.58. On December 10, 2015, the account was setup in foreclosure. At that time, the account was due for the August through December 2015 payments. For information on the foreclosure process or reinstatement figures, please contact the foreclosure attorney, [redacted] at [redacted] On December 29, 2015, your file was activated in loss mitigation to be reviewed for payment assistance. We were unable to complete our review of the file because we did not receive a complete loss mitigation package. In our attempt to acquire the missing information we sent you a letter with a list of the required documents and the home preservation client representative (HPCR) also made several attempts to contact you by telephone; however, · there was no response. The loan was removed from loss mitigation on January 30, 2016. If you are interested in reapplying for loss mitigation assistance you may complete the enclosed BSP (Borrower Solicitation Package) and return it wlth the UBA (Uniform Borrower Assistance) form, HAMP (Home Affordable Modification Program) hardship affidavit, 30 days most recent income documentation as outlined on Page 2 of the UBA, hardship documentation as outlined on Page 3 of the UBA, additional Information pertaining to household and living expenses. These documents may be submitted by mail to: SunTrust Mortgage, Inc., Mail Code: RVW-5113, P. 0 . Box 26150, Richmond, VA 23224, by email to: [redacted], or by fax to: 877.589.0758. If you have any questions regarding the loss mitigation process, please contact your HPCR, Joanne [redacted] at [redacted] Monday through Friday from 8 a.rn. to 10 p.m . or Saturday from 9 a.m. to 3 p.rn ., 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 Ms. [redacted]: We received your correspondence regarding the above referenced case. However, 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 May 18, 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 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

Please see attached.

November 29, 2016 Revdex.com Serving Central Virginia, Inc. Attn: [redacted] 720 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 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 to Ms. [redacted] dated November 29, 2016. 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 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 April 12, 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 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

Dear [redacted]:We have received and reviewed the correspondences that were
forwarded to our office from the Consumer Financial Protection Bureau (CFPB) as
the Revdex.com (Revdex.com) regarding the above referenced loan pre-qualification
number. We appreciate the opportunity to look into the...

issue raised and to
provide a response to you.Our records indicate that were issued a pre-qualification
letter in March 2-15 for $150,000.00. When you contacted us again, the
pre-qualification letter previously issued had expired. We regret any
communication delay that may have been caused when you contacted us.On October 9, 2015, you spoke to [redacted], Loan
Consultant, who explained that income documentation is required. Further, that
we are unable to consider the part time income until you have been actively
employed for 24 months. Also, you would need to see your current property which
is listed at this time. [redacted] also explained that [redacted] is no longer handling
your file. Your accounts are held in the Client Investment Center and the following
is a list of requirements needed for the monthly distributions:1.  On letterhead stating
your starting monthly distribution starting immediately in the amount of
$3,000.00 to continue for three years.2. We will also need to see a previous statement of all four
accounts from you.3. You would be required to contact Client Services and
setup the distribution and request the letter on item 1 above. The contact
telephone number is [redacted].[redacted], this information was also communicated to you by **
[redacted]. Mortgage Escalations Specialist. If you have any questions regarding
this letter, you may contact on Mortgage Escalations Resolution Team at
[redacted], Monday through Friday from 8am to 6pm.Sincerely,[redacted]