SunTrust Mortgage

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 Mr [redacted] : Wehave 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 sincerely regret that you did not have a positive experience when you contacted SunTrust Mortgage, Inc(SunTrust) about your Februarymonthly mortgage paymentSunTrust received the funds from Fiserv/CheckFree, third party payment vendor, for your loan, which did not board the SunTrust Mortgage systemTherefore, the funds were sent back to Fiserv/Ch~ckFree on February 16, This information was provided to you on February 26, Wff understand that you were going to contact your financial institution ' regarding checknumber [redacted] that was still outstanding in the amount of $Mr [redacted] , again we regret any inconvenience that may have been causedIf you nave 'any ' questions regarding this letter, you may contact our Mortgage Escalations Resolution Team at 855.223.4640, Monday through Friday from a.mto p.mET· Sincerely, Kewanna C*** Officer

Dear Dr***:We have received and reviewed your concerns as well as the correspondences that were forwarded? to our office from the [redacted] and 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.? As you indicated, your loan was acquired by SunTrust Mortgage, Inc(SunTrust) from Loan Depot on? March 16, Enclosed is a copy of the March 17, Service Transfer Notice and the March? 29, notice to you advising of the correct SunTrust loan number.We understand your concerns regarding the application of your June and July monthly? mortgage paymentsWe sincerely apologize for the manner in which your account was handled and? for any confusion and that may have been caused by the transactions that occurred on your account.On May 26, 2016, we received the funds for your June and July payments and the June? payment was inadvertently applied as a principal curtailmentSubsequently, the funds received on? June 27, were applied as the June monthly payment and principalThe funds were? reversed and reapplied on June 29, to the June and July paymentsThe correct payment? amounts were received and the additional $was applied to the escrow accountThe payments? were corrected with no negative credit reportingThe next payment due on the loan is the? August 1, monthly payment in the amount of $1,Dr***a copy of the loan history is enclosed for your reviewAgain we regret this oversight and? any impact to youThe situation you described has been forwarded to management for reviewIf? you have any questions regarding this letter, you may contact our Mortgage Escalations Resolution? Team at [redacted] Monday through Friday from a.mto p.mET

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 has failed to provide anything bearing my signatureI am unable to read the information provided as I don't have directions on the system it was derived fromAfter careful observation, this account has past it's statue of limitation as of January 4, Please send electronic request to have this account removed ASAP Regards, [redacted]

Dear Mr [redacted] ? We have received and reviewed the correspondence that was forwarded to our office from? the Revdex.com regarding your mother's above referenced accountsWe? appreciate the opportunity to look into the issue raised and to provide a response to you.? Our records reflect that in March 2016, a loan application ( [redacted] ) was completed to? refinance the current loan [redacted] Regrettably, the refinance can be lengthy because? there are several steps that are required to be completed before a final decision is rendered? on the file, such as ensuring we have a complete loan application and the condo certificate.? At this time, we have received the missing documents and the condo certificate from the? homeowners associationWe are in the process of reviewing the file to determine if? Ms [redacted] meets the criteria for a mortgage loanIf you have any questions you may? contact the loan processor Jamie Malito at or the loan officer, Robert Palubiak? at 804.319.1089.? 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***? 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 am currently in forbearance on my mortgage loan due to a medical issue but SunTrust continues to send me threatening letters telling me I'm being fined, they've put me in foreclosure, they are levying attorneys fees, etcThis is extremely upsetting because I don't know if it's true or notI'm in forbearance and this should stop these letters--at least that's what I was told the last time I rec'd a threat from them, but these letters continue to come---two this weekThis is harassment and bullying and I want it to stopI shouldn't have to endure this while I'm in forbearanceThese letters come from Dylan W [redacted] .I want these letters to stop and Dylan W [redacted] to be reprimanded for this

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 numberWe 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-for $150,When you contacted us again, the pre-qualification letter previously issued had expiredWe 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 requiredFurther, that we are unable to consider the part time income until you have been actively employed for monthsAlso, you would need to see your current property which is listed at this time [redacted] also explained that [redacted] is no longer handling your fileYour accounts are held in the Client Investment Center and the following is a list of requirements needed for the monthly distributions: On letterhead stating your starting monthly distribution starting immediately in the amount of $3,to continue for three yearsWe will also need to see a previous statement of all four accounts from youYou would be required to contact Client Services and setup the distribution and request the letter on item aboveThe contact telephone number is [redacted] [redacted] ***, this information was also communicated to you by [redacted] ***Mortgage Escalations SpecialistIf 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] ***

Dear [redacted] : We have 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]

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] ***

Dear Mr [redacted] :? We have received ::lnd reviewed the co;respondences that were forwarded to our office from the? Consumer Financial Protection Bureau (CFPB), Revdex.com and The Department of? California Business Oversight regarding the above referenced loanWe appreciate the opportunity? to looK into the issue raised and to provide a response to you.? The loan was reviewed for loss mitigation workout options in accordance with the Home Affordable? Modification Program (HAMP) and Fannie Mae requirementsThe evaluations were based on the? income documentation provided and credit report expensesThe results and terms of a? modification offer are not negotiable.? Our records indicate that SunTrust Mortgage, Inc(SunTrust) approved the loan for loss mitigation? work.outs on two separate occasionsOn April 10, 2013, the loan was approved for an Alternative? Modification Trial Payment Plan (TPP) for the months of May, June and July You completed? the TPP and a final modification agreement was mailed to you with a year term at a 4,00%? interest rate, a monthly payment of $(a reduction from the contraGtual payment of? $2,373.98) and a principal forbearance of $32,The signed final modification agreement? was returned to SunTrust; however, there were alterations made to the reference of your being ua? married man." The modification could not be altered in this way as it is :a legal agreement to? modify the Deed of TrustThe verbiage in the modification agreement regarding the borrower? information was stated just as it was in the Deed of TrustThe corrected final modification? agreement was delivered to you on September 19, to re-execute and return to SunTrustOn? September 26, 2013, you informed a SunTrust representative that you had not been married for? years and wanted the verbiage in the modification documents changedIt was explained to you? that supporting documentation was required in order to change the language of the modification ? agreementAs cf October 7, 2013, SunTrust had not received either the signed corrected? modification agreement or the supporting documentation to change the veroiage in the? modification agr?.ementTherefcre, the loan was removed from the loss mitigation process.? The loan had been in foreclosure ciue to the deiinquency and was piaced on hoid to ai1ow ror the? !os:s ;nitigation revluwThe foreclosure hold was removed uil N

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 dated April 27, Upon receipt of the signed authorization form, we will gladly share a copy of our response with your officeThank you for contacting SunTrust Mortgage, IncSincerely, Wanda H***

Dear [redacted] 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 loanWe 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 responseAs 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] ***

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

Good Evening, Attached is SunTrust Mortgage, Incresponse to the complaint your office received from [redacted] Revdex.com case number [redacted] Please let me know if you have any questions [redacted] * [redacted]

Hello,I forgot to add a desired resolution to my complaintPlease add that I would like for the Mortgage Coto update the credit bureaus that I paid my mortgage on the months that they reported that I did not.Thank you, [redacted]

Dear [redacted] ***:This letter is regarding the correspondence that was forwarded to our office from the Revdex.com (Revdex.com) in reference to the above referenced loanWe appreciate the opportunity to look in the issue raised and to provide a response to you.Our records reflect that on July 2, 2015, SunTrust Mortgage, Incacquired your account from [redacted] ***On July 13, 2015, we received and posted 41,as your July 1, paymentOn July 21, 2015, we processed your request to setup the account on our automatic drafting program, [redacted] The [redacted] letter was sent to you informing you that the draft would begin with the September 1, paymentBecause you elected nine delay days, your payment would be drafted on the 10th business day of the month.We did not receive a payment in August 2015, thus we began to generate letters offering loss mitigation assistance and collective calls advising you the account was in defaultOn September 12, 2015, you authorized a [redacted] draft in the amount of #3,for the August and September paymentsPlease be advised that although you August payment was late, you were not assessed a late feeOn October 13, 2015, we received and posted 41,as your October 1, paymentAs of the date of this letter, the next payment is due on November 1, 2015, which will be drafted on November 10, 2015.We reviewed the credit reporting to the three major credit agencies ( [redacted] , ***, and [redacted] ) and determined that the file was reported days past due in September We submitted an update to the credit reporting agencies to remove the delinquent reportingAlthough we furnish the information to the credit reporting agencies, SunTrust Mortgage, Incdoes not have control over the length of time it takes for the correction to be processedIf you have any questions regarding the reporting, please contact the credit reporting agencies ***, [redacted] , and [redacted] .If you have any questions regarding the servicing of your account, you may contact our Client Services Department at [redacted] , Monday through Friday from 8am to 8pm or Saturday 9am to 3pmIf you have any 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 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 September 11, 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 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 November 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 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 loanWe appreciate the? opportunity to look into the issue raised and to provide a response to you.? We have reviewed your concerns and our records indicate that your loan closed as a FHA loan? on December 9, According to your closing documents, mortgage insurance premiums are? to remain on your loan for the first years of the mortgage termEnclosed are signed copies of? the Important Notice to Homebuyers and Informed Consumer Choice Disclosure Notice for your? records.? Please understand that SunTrust Mortgage, Inccannot make an exception to FHA guidelines.? We apologize for the misinformation provided to you with regards to the [redacted] deletion? requirementsYour comments have been provided to the appropriate manager.? If you have any questions regarding the servicing of your account, you may contact our Client? Services Department at 800.634.7928, Monday through Friday from 8:a.mto 8:p.mor? Saturday from 9:a.mto 3: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,? Kenya W***?

Dear Ms [redacted] We received your correspondence regarding the above referenced caseHowever, you did not include a signed authorization form from Mr***Therefore, we are unable to provide you with a copy of our response to Mr [redacted] dated March 1, 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 a.mto p.m., ET Sincerely,Wanda H***OfficerMortgage Escalations Resolution Team \ '