SunTrust Mortgage

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 This is the fault of the Suntrust employee who set up this account, who should my lawyer contact? Regards, [redacted]

Dear [redacted] : This letter is to acknowledge receipt of your correspondence or inquiry on 11/12/The SunTrust Mortgage Escalations Resolution Team is currently researching your questions or concerns, and we are focused on responding to you as quickly as possibleAs we work to respond to your concerns, we will attempt to contact you each week to provide an update on the status of your inquiry If a member of the Mortgage Escalations Resolution Team has not been in contact with you as of receipt of this letter, or if additional questions or concerns regarding the status of your inquiry , please contact us at [redacted] , Monday through Friday from a.mto p.m., ET and reference your case number aboveThank you for giving us the opportunity to serve you better

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 June 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 Ms [redacted] : 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 April 12, 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 Mr [redacted] :? We have received and reviewed the letter that was forwarded to our office from the Better Business? Bureau and the Consumer Financial Protection Bureau (CFPB) regarding · the above referenced? loanWe appreciate the opportunity to look into the issue raised and to provide a response.? At SunTrust Mortgage, Incwe work hard to provide exceptional service to every client and regret? any instance when we fall short of the goalWe apologize for any inconvenience this matter may? have caused.? We have reviewed your file and determined that the payoff statement generated on December 9,? reflected the incorrect year (instead of 2016)Thus, additional funds were required to? pay the l9an in fullTo rectify this error, on January 8, we deposited $5,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,within 30-days? of the date the loan was paid in fullWe are currently in the process of preparing the mortgage? satisfaction documents to Palm Beach County to release the lienOnce 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 accountWe value our business? relationship with you and would welcome the opportunity to assist you with any future financingIf? 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?

Dear [redacted] : We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding our reporting of the above reference accountWe appreciate the opportunity to respond Our records reflect Check [redacted] for $1,posted to the account on June 12, 2009, satisfying the May 1, and June 1, payments On June 19, 2009, we applied your $10,payment as a payoff to the loanOn June 23, 2009, because the loan showed a zero balance, a paid in full letter was generatedHowever, that same day, the check $1,was returned for non-sufficient funds, and we were unable to cancel the paid in full letterWe notified you by letter about the returned check and the balance owned on the loanThe account became past due, and we were unsuccessful in our attempts to contact youFor this reason, the account was closed with a balance owed on November 30, and a Form 1099-G, was issued You have requested that we remove the delinquency information from your credit reportBased on the payment history, the reporting is accurateThe account is being reported as charged off with a balance due of $1,If you pay the remaining balance or settle the account for less than the amount owed, we will update our reporting at that timePlease note information reported prior to the account being paid in full or settled with remain [redacted] , we trust this information is helpfulIf you have any other questions regarding this matter or pay off or settle the account, please call our Recovery Department at [redacted] ***A representative will be glad to assist you Sincerely, [redacted] Officer Executive Services

Dear Ms [redacted] :We have received and reviewed the correspondence that was forwarded to our office from the Better? Business Bureau (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 became active in our Loss Mitigations Department for review of? eligibility on January 25, At that time, the loan was two months delinquentAn Incomplete? Information Notice was mailed to you on January 26, and February 26, to request? adequate documents in order to continue the reviewThe documents received were incomplete;? thus, the loan was removed from the loss mitigation process on March 29, 2016.? We received a new loss mitigation application on April 13, 2016, which was deemed complete on? May 26, Our evaluation determined that the loan was no longer eligible for a loan modification? since a Principal Forgiveness Modification was granted in This modification reinstated the loan? and provided a principal forgiveness in the amount of $121,The first payment due on the? modification was August 1, Please know that we are unable to render a decision for loss? mitigation eligibility until a complete application is receivedOur Home Preservation Client? Representatives do not decision loans upfront and could not have provided this information until a full? evaluation had been conductedThe loan was removed from the loss mitigation process on? August 8, after the appeal process period expired, which we must allow in accordance with? processing guidelines.? The loan was delinquent as payments were not received on the loan and not due to the loss? mitigation processYour loan was reinstated on June 27, The loan is due for the? August 1, monthly mortgage paymentOur online website should now allow access to schedule? a paymentAs of the date of this letter, the loan is not active in foreclosure or pending a short sale.? Ms [redacted] , if you have any concerns regarding this letter, contact our Mortgage EscalationsResolution Team at We are available Monday through Friday from a.mto p.mET

Kenya W [redacted] SunTrust Mortgage, Inc.? Officer Mail Code: [redacted] ? Mortgage Escalations Resolution Team POBox ***? [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 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 October 2, 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***? Officer? Mortgage Escalations Resolution Team?

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 applicationWe appreciate the opportunity to look into the issue raised and to provide a response to youWe have thoroughly reviewed your concerns related to the loan application and underwriting review for the refinance of the subject property referenced aboveThe issuance of a prequalification is not a guarantee for loan approvalThe 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 requirementsThus, during the underwriting analysis, documentation was requested as verification of the information provided in an effort to get the loan approvedAfter a complete underwriting analysis, the loan was denied due to unsatisfactory record on past creditWe have also reviewed your request for a refund of the appraisal feeAs the appraisal service has already been proVided we are unable to refund you the appraisal feeMr [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.mto p.mETSincerely, [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 First of all, the first modification program was June 1st, July 1st and August 1st, not May, June and JulyI made all the payments on time I did not receive after, completing the TPP, an agreement for a year term at a 4,00% interest rate, a monthly payment of $All I received was a cancelation notice from Suntrust on September 8th and the next day a notice from the [redacted] , a foreclosure companyFour weeks later the foreclosure company sent the contract back to Suntrust because they could not foreclose when someone is in a HAMP programThis was only notice when I talked to the representative from the foreclose companySomehow the HAMP payments made to Suntrust did not show up on the ledger that Suntrust had sent to the to the foreclosure company I was told this by a representative of the foreclosure on the 3rd of October 2013.The original loan on the house was 7.125% for yearsThe Deed of Trust says my name only and not marriedSunTrust says that they are unable to change the interest rate on the loan as the loan does not qualify for a 2.00% interest rate reduction, adjustedBut I do qualify for a 2% loanThe February loan modification was a 5.5% loan for years! I did not think this was a fair modificationIn February I became badly disabledI have had major surgeries since and still can not walk with more to come All I want is a fair mortgage loan 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 issues raised and to provide a response to you.We reviewed your concerns previously and responded to you in the enclosed letter dated November 4, In our letter, an explanation was provided regarding the escrow account as it relates to the insurance and taxes As noted the escrow account was established on your loan due to delinquent taxes were paid by SunTrust Mortgage, Inc (SunTrust) On your behalf.Our records indicate that on June 22, 2015, the escrow account was established and delinquent taxes in the amount of $were disbursed fro the escrow accountWe learned that the taxes were delinquent in March in the amount of $3,ON May 8, 2015, we verified that the taxes were partially paid and the unpaid balance was $1,On June 22, 2015, the tax delinquency was $and according to [redacted] there were no payment arrangement on the parcel at that timeTo avoid attorney fees, the escrow account was established and the taxes were paid by SunTrustThe enclosed letters were sent to you dated March 27, 2015, May 8, 2015, and June 23, each time we reviewed the taxes.When an account is non-escrowed, it is the responsibility of the borrower to maintain timely payments of the property taxes and homeowner’s insuranceIf the borrower fails to pay those amounts when due, an escrow account is established and will remain for the life of the loan as indicated on our June 23, letter.An escrow analysis was performed on August 5, to include the property tax collectionThe monthly payment increased to $1, effective with the October 1, paymentA shortage of $3,was determinedThe annual escrow analyst was completed on February 18, and the monthly payment changed to $The shortage amount determined was $1,Since you have paid towards the escrow shortage, the monthly payment was adjusted to $effective May 1, 2016.The loan is currently due for the February through June paymentsIncluding the fees that have been assessed to the account, the amount to bring that loan current is $4,as of the date of this letterBelow is a breakdown of the total amount due:payments- $2,(February, March and April each $991.29) payments- $1,(May and June each $846.75) Late Fees- $Returned Check Fees- $Loan Documents- $Total- $4,914.57As of the date of this letter the loan is not in foreclosure, but it the delinquency remains foreclosure may be imminent [redacted] ***, I left a message for you on June 17, requesting a return callIf you would like to discuss this matter further, you may contact me directly at [redacted] , Monday through Friday from 7am- 4pmIf you prefer, you may visit a lo9cal SunTrust Bank branch and request a conference call with me, you and a branch representative.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.Sincerely,Kewanna C***

Dear Ms***: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 August 23, Upon receipt of the signed? authorization form, we will gladly share a copy of our response with your office.Thank you for contacting SunTrust

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 January 12, Upon receipt of the signed authorization form, we will gladly share a copy of our response with your office.Thank you for contacting SunTrust

[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: [redacted] Regards, [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 [Provide details of why you are not satisfied with this resolution.] ? I do appreciate the administrative efforts taken by the Revdex.com and your timely efforts toward resolving this complaintI initiated this loan process with Sun Trust with full expectations that it would be a speedy and simple effort due to the fact that I was a current customer who already had a well maintained, up to date mortgage with themSun Trusts poor efforts to manage my new loan request was totally unacceptable and cost me $2,in additional fees from the new lenderYes, Sun Trust did offer to "revisit" my loan request days after no contact what so ever, a loan rejection letter I received and with no guarantees that it would be approved.The process for obtaining any loan is usually one built on time constraints and measured in days not weeks, such as mine wasIt was also known by Sun Trust that I was well underway in the process of selling my present home and working the purchase on a new residence (the reason for the loan request) which placed me under even more of a constraint.? A $"credit application fee" credit is appreciated but trivial, my actual loss due to Sun Trust failures and lax attitude toward my loans management, poor timely responses and their lack of reasonable debt research has cost me $2,in origination and point feesThis is what I would consider a resolvable resolution to closing this complaintThe additional charges I've endured were directly due to the lack of simple process management on behalf of the Sun Trust Mortgage Co.? ? ? ? ? ? ? ? Regards, [redacted]

DON'T TRUST SunTrust mortgage The house behind that is within sq.ftof mine sold for 138, It does not have new bathrooms,all new Comercial grade tile throughout, new insulation, new hot water heater, all new stainless steel appliances, new washer and dryer, new ceiling fans, covered parking for a golf cart,interior laundry room,new sod and landscaping and all new vertical blinds The appraisal from SunTrust came in at 131, Why? I asked if I could dispute it and was told I had about a1% chance of having it changed After or weeks in did send comps that sold for more It's been and a half weeks and they won't return my calls

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 September 23, 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] Officer

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 When we received the letter there was nothing that stated having the BPO completed would change it to a LTV of 75% or less.As of 10/the actual LTV was 75.2%.It is unbelievable that your company will not remove the PMI over 0.2% when there where improvements done to the home that greatly increased it's value as well as our contract stated 80%LTV and even the front of the letter you sent stated it could be paid down to 80%.Nowhere did it say that the BPO would change those terms.Just a mention of age requirements with no mention as to when you request a BPO that it changes to these age requirement terms.The age requirement even sated it could be waived if improvements had been made and there have been a lot of improvements done.This letter is very misleading and I'm sure that we are not the only ones who have suffered due to the misleading wording of your letter.Banks act like they are suffering yet they are the ones who got bail out money from the government,not us.We have continued to pay our bills on time even through the recession and all we wanted was for the PMI to be removed since the value of our home has increased.In your response you state that after we make our Dec payment to submit another request to have our PMI removed but I feel that once we do there will be some other excuse as to why it can't be removed(such as the BPO is too old).So how will we know that it will be approved for removal if we were willing to accept that as a resolution? Regards, [redacted] ***

We have received and reviewed the letters that was forwarded to our office from the Revdex.com and the Consumer Financial Protection Bureau (CFPB) regarding the above referenced accountWe appreciate the opportunity to look into the issue raised and to provide a response to you Our records indicate that you submitted a loan application on January 25, to refinance the above property addressSome of the processing delays were due to additional documentation required by the Underwriting Department before a final decision could be made on the fileSome of the documentation required was regarding the subject property and rental agreements, income information and the profit and loss statements for your business A&E Construction, two years of personal and business tax returns, and proof who made the payments for the tw'o car loans that reflected on the credit reportDuring the application process we also requested you to provide current documents as some of the documents reflecting the required information had expiredSince flood insurance was a requirement on the property, you were asked to provide proof of insuranceOn May 19, 2016, the loan application was denied and you were sent the enclosed Statement of Credit Denial, Termination or Change letter stating we were unable to assist you with a credit application because it was incompleteOn June 22, 2016, Lynne [redacted] a Loan Officer contacted you and discussed the previous loan applicationAt that time, Ms [redacted] asked if you were interested in applying for a new loan application and you declined our offerMr [redacted] , we regret any inconvenience you may have experience during the refinance processAs a goodwill gesture, we are reimbursing you the appraisal fee in the amount of $Enclosed is SunTrust Mortgage, Inc check (490469) representing the refundPam [redacted] a Mortgage Escalations Resolution Specialist also spoke with your insurance agent and advised that they are willing to reimburse you the full premium amount of $1,once they receive a letter from SunTrust Mortgage, Incstating the loan application was declinedThe letter was fax to your agent on June 22, Please be advised that after the agent receives our letter they will be in contact with you to sign a cancellation notification before the insurance refund check will be issuedIf you have any questions, please contact Ms [redacted] at [redacted] If you have any questions regarding this letter, you may contact our Mortgage Escalations Resolution Team at [redacted] Monday through Friday from a.m to p.m ETSincerely,

November 7, Revdex.com Serving Central Virginia, IncAttn: [redacted] *** Moorefield Park Dr., Ste Richmond, VA Re: Name: [redacted] Case Number: [redacted] Revdex.com Case #: [redacted] Dear Ms***: We received your correspondence regarding the above referenced caseBecause you did not include a signed authorization form from Mr [redacted] , we are unable to provide you with a copy of our response to Mr [redacted] dated November 7, 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***