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 31, Upon receipt of the signed authorization form, we will gladly share a copy of our response with your officeThank you for contacting SunTrust.Sincerely,Kenya W***

[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 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, [redacted]

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 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: [redacted] .This is to let you know that the above subject complaint has been resolved to my satisfactionI have not responded previously because I did not receive a check for Suntrust until todayThank you for your assistance in this matter Regards, [redacted]

Dear Ms***: 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 youWe regret that you encountered problems in your attempts to make a one-time payment on your mortgage loanOn January 25, 2016, MsJessica [redacted] , Client First Solutions, contacted you and left a message for you to return the callMs [redacted] would like to assist you with logging into your on line accountYou may contact Ms [redacted] at [redacted] She will be glad to assist youYour January payment was received and applied on January 15, The next payment is due on February 1, 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.mETIf yo·u have any questions regarding the servicing of the loan, you may contact our Client Services Department at 800.634.7928, Monday through Friday from a.m.to p.mand Saturday from a.mto p.mETSincerely, Kewanna *** 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 receivedPlease close this case on your records

Re: [redacted] [redacted] Case number: [redacted] Dear [redacted] ***: 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 20, 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]

Good evening,? Attached is SunTrust Mortgage, Incresponse to the letter your office received from [redacted] ***.? Revdex.com case # [redacted] .? ? Please let me know if you have any questions.? ? Wanda H***

Revdex.com: I have reviewed the offer and/or response made by the business in reference to complaint ID 11120704, 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 am very unhappy with this response, as I get a different story about what happens all the time We were told by someone at Suntrust that the funds with the original missed payment that we did the extra payment for were not applied properly Each time we have ever talked to someone there, we get a different story Just recently, when I inquired about why the checks we went for payment weren't being cashed, I was told it was because we sent the wrong amount, that our monthly payment had changed I told her we hadn't been notified of a change, she said that it happens sometimes I was told by the next person I spoke to they weren't sure why they weren't being cashedThe first letter I got about that, said they payment was wrong amount, but in the letter, the correct amount was what we had paid To go to the loan modification, I Have sent that paperwork so many times over the years, with out ever getting a response, until this last time, when I got a letter saying more info was needed, which I sent in Then I got a letter saying they were closing it out I am in the process of resending all of that paperwork againI also got a letter about not responding to calls, I faxed that back to the loss mitigation specialist Joan [redacted] , with our correct phone number, and also explained that we had been having trouble with our voice mail for an undetermined amount of time, but had recently realized it, and it is now fixedI have had no messages since then from Joan [redacted] to even confirm she got that fax I have also requsted since then, that everything be done in writing, because I feel I cant trust what I am told by anyone in that company, as I get different info from people, or no response at all I am trying to protect myself and our home But again, no response to that I truly hope that this can get worked out, we really want to stay in our home We no longer have any financial hardship, and have made our monthly payment consistently since we had our problem years back I just want to come up with a solution to this situation I have given them an amount we can come up with in a weeks time, in trying to fix this situation, we felt it was a fair way to start fixing this, again, got no response I truly hope sending in the paperwork to Joan [redacted] again, we can get this worked out Regards, [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 loanWe 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 The trial payments were $for the months of November through February A trail period offers you immediate payment relief and gives you time to make sure you can manage the lower monthly mortgage paymentThe 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 approvalUpon 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 modificationThe modified payment will increase to $(a difference of $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) ratioAs stated above, the trail period is temporaryThe permanent modified interest rate will decrease from 6.25% to a beginning rate of 3.00% On April 29, 2014, you spoke with [redacted] ***, [redacted] [redacted] , and discussed the permanent loan modificationThe loan has been removed from loss mitigation since we have not received the signed loan modification agreementHowever, if you wish to accept the proposed loan modification, we will re-activiate the loan in loss mitigationWe will need the signed Modification Agreement along with the modified payments from March, April, and May totaling $2,by May 13, We have reviewed your concerns about the negative information on your credit report regarding this loanWe are required to report credit information accurately to the credit reporting bureaus to which we report ( [redacted] , [redacted] and [redacted] )Our review revealed that our reporting to the credit reporting bureaus has been accurate; therefore, it cannot be changedPlease 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 reviewIf 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] ***

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

Dear [redacted] and [redacted] ***:This letter is regarding the correspondence that was forwarded to or 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.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 deletionOn August 24, 2015, we provided you a list of the PMI Waiver Requirements based on your loan-value (LVT) of 81.5% at that timeIn addition, you were informed that you could reduce your principal balance by submitting a check in the amount of $3, 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 valueThe cost of BPO was $However, since your account closed on June 30, 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 (***) dated September 19, in the amount of $and the BPO was orderedOn September 29, 2105, we received the BPO that showed the property value was $254, and the LVT changed to 75.3% which was higher than the 75% ratio threshold for PMI cancellationThus, your PMI deletion request was denied.On October 5, 2015, we sent you a letter and advised that we denied your request to delete PMIYou were informed that the combination of the current principal balance of $and the current property value of $254,resulted in a LTV ratio of 75.3% which did not meet the requirement of 75% or lessAt 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 payment, that you resubmit another written request to delete the PMIAt that time, your principal balance may be reduced enough to delete the PMIPlease be advised you must also have a good payment history with no payments or more days past due within two years and no payments 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 3pmIf 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 Ms [redacted] : We received your correspondence regarding the above referenced caseHowever, you did not include a signed authorization form from Mrs***Therefore, we are unable to provide you with a copy of our response to Mrs [redacted] dated March 25, Upon receipt of the signed authorization form, we will gladly share a copy of our response with your officeMs [redacted] , if you have any questions regarding this letter, you may contact our Mortgage Escalations Resolution Team at [redacted] , Monday through Friday from a.mto p.m ., ET

Dear Ms [redacted] : We received your correspondence regarding the above referenced caseHowever, 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, Upon receipt of the signed authorization form, we will gladly share a copy of our response with your officeMs [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., ETSincerely, Wanda H*** Officer Mortgage Escalations Resolution Team

Dear [redacted] ***We have received your correspondence regarding the above referenced caseHowever, 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 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] ***

October 5, Revdex.com Serving Central Virginia, IncAttn: [redacted] *** Moorefield Park Dr., Ste Richmond, VA Re: Borrower’s Name: [redacted] Case Number: [redacted] Revdex.com Case #: [redacted] Dear Ms***: 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 officeMs***, 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., ETSincerely, Wanda H*** Officer Mortgage Escalations Resolution Team

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 loanWe appreciate the opportunity to look into the issue raised and to provide a response to you We regret that you were unhappy with our previous response to your inquiry regarding the [redacted] (***)On June 25, 2014, we received notification from HUD that a refund will be sent to SunTrust Mortgage, Incin the amount of $Upon receipt of the refund, we will issue a check to you [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] Officer Mortgage Escalations Resolution Team

Dear Mrand Mrs [redacted] :? We have received and reviewed the correspondence that was forwarded to our office from the? Revdex.com regarding the above referenced accountWe 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 NoteA late charge is? not assessed until the end of the 15th calendar day after the due datePlease be advised that? once a loan becomes or more days delinquent an inspection of the property may be ordered to? ensure the property is not vacant or abandonThe 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 In February 2010, you brought the account currentSince there was no payment made? in March o the loan once again became delinquentAs of December 31, 2010, the account? was due for the November and December payments.? In a mortgage payment was posted each month with the exception of Nove.mber On? November 10,we received and posted $2,to your unapplied funds account because? the funds were not sufficient to satisfy the payment amount due of $2, On? December 19, 2011, we withdrew the $2,from your unapplied funds account and posted? $to the late charge fees and $to the property inspection feesThe remaining? $was returned to you on December 20, because the funds were insufficient to bring? the loan currentEnclosed is a copy of letter that was accompanied with the checkAs of? December 31, the account was due for the October, November, and December 2011? payments.? In 2012, we received and posted the October through September paymentsIn? October 2012, we placed a stop payment on the check sent to you on December 20, in the? amount of $On October 15, 2012, the $was applied as $479,late fees,? $property inspection fees, $to your escrow account and the remaining $was? returned to you The check in the amount of $was cashed.? In we received and posted the October through September paymentsIn 2014? we received and posted the October through September paymentsIn 2015, we? received and posted the October through July payments.? In reviewing the enclosed payment history for through 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 on November 3, for $2,085.58, on? December 4, check number for $2,085.58, on January 6, check number for? $2,and on February 4, check number for $2,085.58.? On December 10, 2015, the account was setup in foreclosureAt that time, the account was due? for the August through December paymentsFor 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? assistanceWe were unable to complete our review of the file because we did not receive a? complete loss mitigation packageIn 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? responseThe 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, days most recent? income documentation as outlined on Page of the UBA, hardship documentation as outlined on? Page of the UBA, additional Information pertaining to household and living expensesThese? documents may be submitted by mail to: SunTrust Mortgage, Inc., Mail Code: RVW-5113, P.? Box 26150, Richmond, VA 23224, by email to: [redacted] , or by? fax to: If you have any questions regarding the loss mitigation process, please? contact your HPCR, Joanne [redacted] at [redacted] Monday through Friday from a.rnto? p.m or Saturday from a.mto 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 a.mto p.m., ET.? 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.] I made payments to you timely each and every month I did not know that you were "suspending" my payments because I would receive phone calls saying that if you have already made this payment disregard this notice I was verifying with my bank after every robocall that my funds were withdrawn from my account to you and they were I was not aware of your interpretation of late until my credit report score was dropped by you I disagree with your actions and find them egregious Regards, [redacted] ***

My mortgage was sold to SunTrust Mortgage company I already have concerns about their correctly and accurately posting payments My bank called about another request from a differently named entity for a payment for my mortgage amount, even though I am paid through January I may very well check into a different company to avoid this kind of nasty concernI admit that I do not have enough information now, but I do know I will not willingly deal with this kind of problem I don't have to

Attached is the Suntrust Mortgage response to your inquiry [redacted] ***