SunTrust Mortgage

Dear [redacted] ***: We have received and reviewed your correspondence that was forwarded to our office from the Revdex.com (Revdex.com) regarding the above referenced loanWe appreciate the opportunity to look into this issue raised and to provide a response to you On October 21, 2013, we received two loan applications for the condo referenced aboutYou requested an expedited closingIn order to expedite your loan application, we ordered the appraisals before the condo review process could be completedAfter reviewing the file, the loan applications were denied because the condo project did not meet Agency Requirements A denial letter dated November 14, was sent to you for each loan application Please understand that we are unable to determine the qualifications of a property or applicant until we fully review the loan applicationSunTrust Mortgage, Inc (SunTrust) is required to document and review all information related with the loan application prior to making a decisionWe have fully reviewed your complaint and the loan applications process and determined that SunTrust was in compliance with the initial disclosuresWe respectfully decline your request for reimbursement of the fees involved with these loan applications It is SunTrust’s policy to offer and extend its banking products and services, including credit products, to any qualified applicant in a fair, responsible, and equitable, and non-discriminatory manner, and in compliance will all applicable fair banking and consumer protection lawsSunTrust is committed to fairly representing its products and services while disclosing the costs and fees associated with such products with honesty and transparencyOur goal is to provide value to our clients, protect their interests, and assist them in selecting the products or services that meet their neededTo that end, we scrutinize our disclosures to ensure that they are clear and understandable and we verify that information provided to our clients is complete, accurate and is not likely to mislead or deceiveWe provide comprehensive training to our employees and we perform ongoing monitoring to ensure compliance with consumer protection laws and regulations Every SunTrust employee is responsible for ensuring adherence to air banking and consumer protection laws and regulationsWE take allegations of unfair, deceptive, or abusive acts and practices seriously and do not tolerate these actions from any employeeThis statement is applicable to all aspects of the credit process, including, but not limited to, credit approval, pricing and loan servicing [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 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 August 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 MsStudemeister: We have received and reviewed the letter forwarded to our office from the Revdex.com regarding the above referenced loanWe appreciate the opportunity to look into the issue raised and to provide a response. Our records reflect that loan numbers [redacted] and [redacted] was paid in full in A lien satisfaction was sent to the locality for recordation and we also sent you two checks, which represented the escrow balance after each loan were paid in fullFor loan number [redacted] , you were sent SunTrust check number [redacted] in the amount of $ [redacted] For loan number [redacted] , you were sent check number [redacted] in the amount of $ [redacted] . In your letter, you stated that you did not cash the escrow refund checks [redacted] and [redacted] and requested the checks to be reissuedIn researching these uncashed checks, it was determined that in a stop payment was placed on check numbers [redacted] and [redacted] and the funds were moved into a dormant SunTrust accountOn September 10, 2008, the Dormant Account Department reissued check number [redacted] in the amount of $ [redacted] (replaced check number [redacted] )We also reissued check number [redacted] in the amount of $ [redacted] (replaced check number [redacted] )Both checks were mailed to you at the above mailing addressThe replacement checks would have been cashed as they were not escheatedWe also reviewed the reporting system and could not locate any escheated funds for $ [redacted] (check number [redacted] and $ [redacted] (for check number [redacted] ). Therefore, we are unable to assist you in reissuing these funds. MsStudemeister, if you should have any questions regarding this letter, please call me at 804.923.0510, Monday through Friday from 8:a.mto 5:p.m., ET. Sincerely, Wanda H***

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]

The attached response from SunTrust in unsatisfactory A few months ago I had inquired on any assistance that they may provide me in helping me to lower my monthly mortgage due to my part time job status causing my financial difficulties They did nothing to help me There solution was letting me know that I do not make enough to comfortably pay my monthly mortgage I realize this I would not need their assistance if I were not financially suffering at this time I had failed to pay my one and only July mortgage due July 17, A letter was sent to me from SunTrust dated August 10, 2015, stating the fact that they would be sending a inspector to my home and that my only options were to short sale or foreclosure Not only did they not go above and beyond to help me (after months of my stressing to them to please help me keep my condo) but they went above and beyond to harass me Do all Mortgage companies threaten foreclosures on their customers when less than two weeks late on a Mortgage? When I had first started working with SunTrust, why did they not tell me they would not help me? They new my situation from the first time I had ever spoke with them July 17, mortgage due August 10, letter dated and sent to me from SunTrust threating me with an inspector Not to mention SunTrust not apologizing to me regarding the Un-professional and prejudice way they went about assisting meNever should it be allowed to prejudice a person on their sex, religious beliefs or past or present hard-ships Please forward this to SunTrustThank You [redacted] ***

Dear [redacted] and [redacted] :This letter is regarding correspondence that was forward to our office from the Revdex.com *Revdex.com) regarding my previous response dated September 24, for the above referenced loanThank you for allowing me the opportunity to once again respond to your concerns.Under circumstances your account is not eligible for recast until February Thus, the letter you were provided dated September 24, was correctHowever, we can request an exception from the investor as we have received the “Recorded’ Security Instrument from the [redacted] ***, which is required.Below are the recast instructions:The December 1, payment is required prior to the receipt of your request to recast your accountA written statement requesting a recast of your loan (a copy of the letter is not acceptable0, and a minimum of $5,principal curtailment in the form of a check or money orderWe also need documentation showing the source of funds used to apply towards the principal curtailmentThis information must be received by our Special Loans Department no later than November 15, Please send the information to: [redacted] ,Upon receipt of the requested recast information, we will prepare a Recast Modification Agreement for your signature (this agreement must be witnessed and notarized) and returned back within days of when the Recast Modification Agreement was sent to youPlease understand these documents must be received prior to December 4, to ensure we have sufficient time to process your request for the new payment to be effective January 1, paymentOnce the recast process is completed you will be notified.As of the date of this letter, your account is not eligible for Private Mortgage Insurance (PMI) DeletionsOn October 16, 2015, we mailed your the PMI deletion Requirements.If you have any questions concerning the servicing of your account, please contact the Client Services Department at [redacted] Monday through Friday from 8am to 8pm or Saturday from 9am to 3pmIf you have any questions regarding this letter, you may contact our Mortgage Escalation Resolution Team at [redacted] Monday through Friday from am to 6pmSincerely, [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 a copy of our response to Mr [redacted] dated May 1, Upon receipt of a signed authorization form, we will gladly provide a copy of our response with your office

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

Re: [redacted] [redacted] Case number: [redacted] Dear [redacted] ***: We received your correspondence regarding the above referenced caseHowever, you did not include a signed authorization form from [redacted] ***Therefore we are unable to provide you a copy of our response to the client dated March 12, 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 a.m to p.m Thank you for contacting SunTrust

November 16, 2016 Revdex.com Serving Central Virginia, Inc. Attn: [redacted] *** Moorefield Park Dr., Ste 300 Richmond, VA 23236 [redacted] [redacted] [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 16, 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*** Officer Mortgage Escalations Resolution Team

November 29, Revdex.com Serving Central Virginia, IncAttn: [redacted] *** Moorefield Park Dr., Ste Richmond, VA Re: Client 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 Ms***, we are unable to provide you with a copy of our response to Ms [redacted] dated November 29, 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, Kenya W*** Mortgage Escalations Resolution Team

Dear Mr***: We have received and reviewed your telephone inquiry as well as 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 research determined that your loan closed September 2015, with the first payment due on November 1, On October 6, 2015, SunTrust Mortgage, Inc(SunTrust) mailed a welcome letter that included your SunTrust loan number among other information. Thepayments made on October 30, for $1,and on November 16, for $were processed through an electronic bill payment service (Fiserv) associated with your banking institutionThe loan number indicated with the payments made through t:ie bill payment service was the Stockman Bank (loan originator) number and not the SunTrust loan numberTherefore, the payments could not be identified or applied to your mortgage loan and were returned through the electronic payment processing system. It is our understanding through conversation with Stockman Bank and Fiserv that the $payment was returned to youThe payment for $1,was mailed to SunTrust from Fiserv on February 5, and we will apply that payment to your mortgage loan as soon as we receive those fundsMortgage interest is paid in arrears and charged on a monthly basis; therefore, your loan has not been charged additional interest. Due to the payments that SunTrust did not receive for application to your mortgage loan, collection activities commenced, which included calls and a property inspection to learn if the property was abandoned. Our intention is to reach you and learn how we can help you keep your loan currentWe apologize for any inconvenience you experienced and have waived the late fee assessed. The credit bureau reporting will be reviewed accordingly. I Please contact our Mortgage Escalations Resolution Team at 855.223.4640, Monday through Friday from a.mto p.mET if you have any other questions or concerns. Sincerely, Kewana *** Officer Mortgage Escalations Resolution Team

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 youa copy of our response to the client dated August 16, 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 ** *** *** ***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 research revealed that
your online bill payer referenced
a closed loan number on the payment check instead of the current mortgage loan
numberThis, the payments for June and July were returned to youAs discussed,
we placed stop payments on checks *** and *** each in the amount of
$1,the funds were applied to your current mortgage loan as the June and
July month payments each in the amount of $with a principal
curtailment of $71.50.The late fees assessed for the June and July payments
were waived on July 28, Additionally we have submitted an updated to the affected credit bureau(s)
which will remove the assicated negative information from your credit report
for the July 6, reporting.Your request to set up SurePay, our automatic drafting
program, was received and established effective with the September 1,
monthly payment.** *** ** *** if you have an questions regarding the
servicing of the loan you may contact our Client Service Department at
***, Monday through Friday from 8am to 8pm and Saturday from 9am to 3pm.If you have any questions regarding this letter, you may contact
our Mortgage Escalations resolution Team at ***, Monday through Friday
from 8am to 6pmSincerely *** ***

Dear ** ***We have received your correspondence regarding the above
referenced caseHowever, you did not included a signed authorization form from
** ***Therefore, we are unable to provide you with a copy of our response
to ** *** dated September 11, Upon receipt of the signed
authorization form,
we will gladly share a copy of our response with your office.** ***, if you have any questions regarding this letter,
you may contact our Mortgage Escalations Resolution Team at ***, Monday
through Friday from 8am to 6pm ET.Sincerely *** ***

Re: Alicia *** BSS Case #: 10370791 Dear Ms***: We received your correspondence regarding the above referenced caseHowever, you did not include a signed authorization form from Ms***Therefore, we are unable to provide you with a
copy of our response to Ms*** dated January 21, Upon receipt of the signed authorization fonn, we will gladly share a copy of our response with your office. Ms***, if you have any questions regarding this letter, you may c.ontact our Mortgage Escalations Resolution Team at 855.223.4640, Monday through Friday from a.mto p.m., ET. Sincerely. *** *** Officer Mortgage Escalations Resolution Team

Dear Ms*** and Mr***: This letter is regarding your correspondence that was forwarded to our office from the RevDex.com (Revdex.com) regarding the above referenced loanWe appreciate the opportunity to respond. Our records reflect that on April 30, 2015, *** *** the sales manager spoke with Ms*** and agreed to refund the Veteran Administration f>/A) appraisal fee in the amount of $On May 6, 2015, we refunded your credit card ending in *** the appraisal fee of $550.00. We regret that we were unable to assist you with a mortgage loanIf you have any questions regarding this letter, you may contact our Mortgage Escalations Resolution Team at *** Monday through Friday from a.mto p_m_, ET_ Sincerely, *** *** Officer Mortgage Escalations Resolution Team

Revdex.com:
I have reviewed the offer made by the business in reference to complaint ID ***, 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: ***.Thank you! I have reviewed the response from Suntrust and was called/notified by Wanda H*** at Suntrust today that a correction will be made to our credit scoreWe are happy with this response, so I would like to accept the business's reply; however, I was unable to find the default acceptance letterThe only letter I was able to find was the "third party agreement" to share informationHowever, because of the sensitive nature of the information, we would rather not sign this agreement...especially now that it is our understanding that the issue has been properly resolved.
Regards,
*** ***

Dear Mr***: 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

Re: *** ***
Case number: ***
Dear ** ***:
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 July 16, 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,
*** ***