SunTrust Mortgage

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. 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 June 12, 2015. Upon receipt of the signed authorization form, we will gladly share a copy of our response with your office.

November 15, 2016 Revdex.com Serving Central Virginia, Inc. Attn: [redacted] 720 Moorefield Park Dr., Ste. 300 Richmond, VA 23236 Re: Client Name: [redacted] Case [redacted] Revdex.com Case Number: [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 November 15, 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. 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 Mrs. [redacted]. Therefore, we are unable to provide you with a copy  of our response to Mrs. [redacted] dated March 25, 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 [redacted], Monday through Friday from 8 a.m. to 6 p.m ., ET.

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]

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.

November 16, 2016 [redacted] 
[redacted] 
[redacted] 
[redacted]  Verdana; font-size: 11px;">Re: Loan Application Number: Property Address: [redacted] Case Number: [redacted] Revdex.com Case Number: [redacted] Dear Mr. and Mrs. [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 reflect that the property lies in a “Special Flood Hazard Area” and flood insurance is required. The flood insurance policy provided each year by the Homeowners Association (HOA) is a [redacted] ([redacted]), multi-layered flood policy. These types of policies must be manually reviewed each year to ensure they adhere to [redacted] 
[redacted]. The flood insurance policy was reviewed and it was determined the information received was not acceptable. We contacted your agent and received a revised policy after their underwriters made an endorsement to fix the policy. The flood policy was reviewed by our Compliance Department and approved. As a servicer of this loan, we will always require evidence of insurance for the mortgage property. The lender is also required to ensure that the flood policy has the correct flood zone, sufficient coverage, and deductible amounts. If evidence of insurance is not received or is not sufficient, then a temporary binder is issued. Binders are issued to protect both parties’ interest in the event of a loss. On November 14, 2016, we withdrew $853.00 from your escrow account and paid the lender placed flood policy. Please be advised that the lender placed premium will not be added to your monthly payment while we are waiting on a final decision on your flood insurance policy. Since there is no lapse in cover, a refund will be issued for the full premium amount. If you have any questions, regarding the servicing of your account, please contact Client Services Department at 800.634.7928 Monday through Friday from 8 a.m. to 8 p.m., or Saturday from 9 a.m. to 3p.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, Wanda H[redacted] Officer Mortgage Escalations Resolution Team

Dear [redacted]:
We have 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 May 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 [redacted]:
This letter is regarding your correspondence that was forwarded to our office from the Revdex.com regarding our previous response sent to you dated June 5, 2014. We appreciate the opportunity to once again respond to your concerns.
As indicated in our letter dated April 28, 2014. as the servicing agent of your loans we require evidence of insurance for the mortgage properties. The insurer's name reflected on these policies must match the name on the Note and Mortgage signed at closing. We have [redacted] a signed copy of each document.
Below Is the insurance activities In 2013 for both loans:
Loan Number [redacted]:
• In August 2013, we received a homeowners' policy ([redacted]) from
[redacted]  reflecting a policy date of August 19,2013 through August 19,2014. However, we were unable to accept the policy because your name was not listed as the insurer.
•              On August 20, 2013, you were sent a Hazard Insurance Warning Notice ([redacted]) advising you we did not have proof of insurance.
•              On August 28, 2013, we were provided proof of insurance ([redacted]) and the lender placed policy was cancelled.
•              On September 5, 2013, we sent you notification of the cancellation of the lender placed policy ([redacted] [redacted]).
Loan Number[redacted]:
•              In September, we received a homeowners' policy ([redacted]) from [redacted] [redacted] reflecting a policy period of September 1, 2013 through September 1, 2014. However, we were unable to accept the policy received because you were not listed as the insurer.
•              On September 5, 2013, you were sent a Hazard Insurance Warning Notice[redacted] [redacted] advising you we did not have proof of insurance.
•              On October 7, 2013, a second Hazard Insurance Warning Notice was sent to you ([redacted]) that requested proof of insurance.
• On November 15, 213, we setup an escrow account for your homeowners' insurance and paid the lender placed premium in the amount of $811.00.
•              On November 21, 2013. we sent you notification of the lender placed policy ([redacted]).
•              In December 2013, we received proof of insurance ([redacted] [redacted]) and the lender placed policy was cancelled.
•              On December 18, 2013, we sent you notification that the lender placed policy was flat cancelled ([redacted]).
•                     On December 19, 2013, we refunded your escrow for the lender placed premium In the amount of $811.00.
•                     On January 15, 2014, you were sent an escrow refund of $42.80, which represented a refund of the mortgage insurance premium that posted to your escrow account on January 19, 2012. Please note that the mortgage insurance premium was deleted in December 2011.
On June 11, 2014, I spoke to you regarding my letter dated June 5, 2014. At that time, I advised you that we responded to your concerns on April 28, 2014, and that we could not accept an insurance policy in the name of your business. You were also advised that we respectfully decline your request for compensation for your time as you had to provide us with adequate proof of insurance.
In your previous letter you mentioned the problems you encountered in us paying your real estate taxes. We regret that when your taxes were paid In 2011 the incorrect amount was taken from the escrow account for both loans. To rectify the error, we updated each loan to reflect the correct tax amount due In 2011 as well as verified that our system showed the correct parcel identification numbers for both loans. We also deleted the escrow account
effective with the January 1, 2012 payment. The escrow deletion fee In the amount of $87.29 was waived for loan [redacted] and $67.79 was waived for loan[redacted], 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. If you have any questions regarding the servicing of your mortgage loan, please contact our Client Services Department
at [redacted], Monday through Friday from 8 a.m. to 8 p.m. or Saturday from 9 a.m. to 3 p.m., ET.

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's response specifically states that a reaffirmation agreement was filed on the court docket  but SunTrust didn't receive it. I am not responsible for SunTrust mishandling of the mail and documentation back in 2010.  They, like most banks were swamped with the amount of foreclosures being processed at that time. I assume the norm was for people to foreclose on their home, however, I filed the reaffirmation, and have provided the documentation that that took place. SunTrust agrees that the reaffirmation was on the court docket, so why should I be penalized for the court mail getting lost.  I have paid this loan for almost 10 years, I have never missed a payment and SunTrust continue to report the debt but not the payments and I continue to be the one to suffer the results.   My payments need to be reported!  There has to be a way to correct a pure clerical error on their part which is affecting me financially on a regular basis.  SOMEONE AT SUNTRUST NEEDS TO FIX MY FILE.I have been battling the Big Bank for over two years, I need someone to help me fix this issue.  At this point I do not know where else to turn; SunTrust admits the loan was reaffirmed, the loan has been paid and yet no one can seem to correct this reporting issue.  It's hard to be the one minority individual facing the Big Bank and just be waved off like this is just not a big deal.  It is a big deal!!! We are just a bunch of numbers in a system, your drivers license or social security or your credit score and they are hurting me with the incorrect credit reporting.  
Regards,
[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 application. We appreciate the opportunity to look into the issue raised and to provide a...

response to you. We have thoroughly reviewed your concerns related to the loan application and underwriting review for the refinance of the subject property referenced above. The issuance of a prequalification is not a guarantee for loan approval. The final loan approval is based upon verification of the infonnation provided at the time of application, stipulations as may be required at the underwriter's discretion and other requirements. Thus, during the underwriting analysis, documentation was requested as verification of the information provided in an effort to get the loan approved. After a complete underwriting analysis, the loan was denied due to unsatisfactory record on past credit. We have also reviewed your request for a refund of the appraisal fee. As the appraisal service has already been proVided we are unable to refund you the appraisal fee. Mr. [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 B a.m. to 6 p.m. ET. Sincerely, [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 to Ms. [redacted] dated April 4, 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 [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 September 11, 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]

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]

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.
[Provide details of why you are not satisfied with this resolution.]
Regards,
[redacted]
Dear [redacted]:Per our phone conversation, I am sending you the required authorization form to re-activate the case ID[redacted] against SunTrust Mortgage. Please note that per their correspondence with me so far, they have not cleared why they have not disclosed existing regulations against issuing mortgage for the type of units I had planned to buy.Thanks for your help with this case.Regards,[redacted]
[redacted]
[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 30. 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]

Kenya W[redacted] SunTrust Mortgage, Inc. Officer Mail Code: [redacted] Mortgage Escalations Resolution Team P. O. Box [redacted] [redacted], VA [redacted] Tel [redacted] October 2, 2017 Re: Client Name: [redacted] Case Number: [redacted] Revdex.com Case Number:...

[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 October 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. Sincerely, Kenya W[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] 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.

Dear Mr. [redacted]: We have received and reviewed the correspondences that were forwarded to our office from the Consumer Financial Protection Bureau (CFPB), Revdex.com (B66) as well as the Florida Office of Attorney General regarding the above referenced...

loans. We appreciate the opportunity to look into the issue raised and to provide a response to you. Our records indicate that on December 11, 2011, a short sale with a conditional deed in lieu of foreclosure was issued through February 6,2012, On February 6,2012, the realtor requested an extension which was approved through April 20, 2012. The short sale approval with a conditional deed in lieu expired on April 20, 2012 and is no longer valid. Due to the delinquency, the unpaid principal balance of the first mortgage lien ([redacted]) was removed from our system on May 9. 2012. The last payment applied to the loan was the January 2011 payment. As of January 8, 2015, the second mortgage lien ([redacted]) has been extinguished or forgiven. This means that any payments related to this account number are no longer required. Mr. Torres, for more information regarding the recovery of the first mortgage lien, you may contact our Recovery Department at [redacted]. 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, [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 March 22, 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]