Suntrust Mortgage

I have lived at my home address for 41 years (42 in July 2012) & I have never filed an insurance claim on my home for anything. When I finally did, SunTrust Mortgage doesn't want to let it go so that repairs on my roof can be done. Check was sent to SunTrust in 10/2011. According to Badger Mutual in Wisconsin (my house insurance), it was to be endorsed by me and sent to SunTrust for their endorsement. My foreclosure was dismissed in February 2012 (I'm sure this was holding up payment/check for the repairs) and I'm still waiting to hear from somebody.

All papers were filled out and notarized by me & the roofer whom I chose to do repairs; and were sent back via FedEx (your envelope) to SunTrust. Calls I made to SunTrust were answered namely by Micah **, Orlando (Customer Service). Apparently I was given to Amanda ** for a response, she never returns calls. On 5/2/12, I called her and again her voice mail is full - not accepting any messages. What a way to run a business!

At one time, I was in foreclosure. This was dismissed in February 2012. In September 2011, I made a claim for my roof, which was damaged due to the violent hail in February 2011. Damage was assessed by my insurance, and eventually, they sent me a check for $9,809.00 in my name and SunTrust Mortgage with instructions I should endorse it and forward to SunTrust. I have contacted your company twice. Myra promised they would get back to me. The 2nd time, I spoke to Micah and Orlando in customer service. I was assured someone would call or email me on 4/23/12 (My calls to the people mentioned were made on 4/12 and 4/23/12). Someone has to call me today, or I will call the state's Attorney office.

I was contacted by a Suntrust loan agent about refinancing my mortgage using HARP. I was told I was already qualified and needed to complete a couple of forms and they would get it done in the next couple of weeks. That was late Feb 2012. Every time I ask for an update, all I get is the process is in underwriting and they are busy. Suntrust was very quick to cash my application check, but now I feel I am getting the runaround. A friend of mine began a refinance with another company about a week after I applied and they closed two weeks ago. I still have no update from Suntrust. The sad thing is I always have to inquire. They never update me. Never use Suntrust.

In 2008, I lost my job. We tried to maintain the $2300 a month mortgage payment until we no longer could. We attempted a loan modification which was denied. With no other options, we filed for Chapter 7 and sent Suntrust a letter stating we were including the home and they could have it back. We moved out a month before the discharge date. I was on the phone weekly with the bankruptcy department. In the meantime, we kept getting notices from them to save our home, call this number. Every time we called, no one could help us. We kept being told that our case was a bankruptcy case and we could not "keep" our home. They took almost two years to finally transfer it into the bank's name.

After several phone calls and a relinquishment in March of 2009, because of their process and the length of time they took, we cannot qualify to buy a home for an additional year. We have tried to get them to correct the transfer date, but no one ever calls you back. I was told repeatedly by the complaint department that they will email the person and have them contact me. Surprisingly, no phone calls ever. I finally gave up. I hope the investigation I launched on them will result in major penalties and possible closure of this mortgage lender.

I began a modification program with Suntrust in February 2012. The home preservation counselor said I had 3 options; 1) loan modification. 2) HEMP 3) partial claim. My husband and I were disabled last year and fell behind in our payments. The counselor stated I would qualify for at least one of these options. I told the counselor that we were willing to do anything to save our home, we had been there for 26 years and we still had equity in the home. The home was set for trustee sale on Monday, April 16th. Suntrust said they would put the sale on hold until they reach a decision for the loan.

That previous Friday, I received a call from the Suntrust counselor stating that I did not qualify for any of the programs and the home would be sold on Monday and that I needed to call their attorney. I frantically called the attorney and asked them to find out how much I needed to bring the loan current (Suntrust never allowed me to bring the loan current while my loan was being processed nor did they offer me a short sale option). The attorney sent a message to Suntrust on Friday, but no response from them.

I called Suntrust on Monday morning and begged them for help - my mother was in Hospice care and she was not expected to live. The attorney called me back on Monday, but Suntrust did not give her the figures to bring the loan current. All they said was "ask them how much money they have". I said "how much do I need?" They called Suntrust back and again no figures from them. All they said was, "We don't think they have the money, so the home will be sold at 2:00 PM today." They gave me 2 choices; 1) spend all morning trying to find an attorney to stop the sale or 2) stay with my mother while she was dying. I gave up the fight and lay with my mother, who passed away that evening. Suntrust is deceitful. They break the law and are inhumane.

We applied to refinance our house the beginning of February. Every time we call, either the loan officer is on vacation or out of the office. Last week, we were told we would be closing this week. On Monday, I emailed to find out what day, and of course, the reply was that he is out of the office. On Tuesday, I sent an email to him and his assistant, saying my husband is taking off work Friday to close.

Today, we got a call that the loan officer no longer works at Suntrust and that our loan just went to underwriting (It seems like they should be able to tell us the exact day it went, but of course, they can't.) and it can take 20 working days, which means another freaking month! I believe we only locked in for 60 days, so we will lose our rate.

I am so irate; I can't see straight. My neighbors and two other people I know recently refinanced their homes, and it only took 3-4 weeks to refinance through another company. If we hadn't already paid the appraisal, I would tell them to get screwed! Do not finance through Suntrust!

About four years ago, SunTrust messed up when they paid our taxes. We finally got that straightened out and then they mailed us back a check which caused our mortgage payment to go up $300/month for a year. We always paid our mortgage, never missed once. For the last year, they would start hounding us for our payment on the 2nd of the month! It isn't considered late until the 15th. We'd tell them that the pay was sent and they ignored us and would call 8-10 times per day until the payment cleared on their end. After six months of this nonsense, we refinanced through another bank! You don't have to put up with their harassment, find another bank and refinance to get the hell away from them! I will never use SunTrust ever again, and will tell everyone we know to stay away.

SunTrust Botched Short Sale - In April of 2010 it became apparent to my wife and me that our income would only be dropping over the next 1-3 years. The renter of my wife's home lost his job and abruptly moved out. Our family medical bills were rising, there was a drastic reduction in my wife's monthly child support payments and she was just about to substantially reduce her working hours due to pregnancy and birth or our son. At that time, we made the decision to sell our home, as dipping into our savings could not be sustained long-term.

After three months of marketing and intermittently dropping the home price, and after discussions with both our 1st and 2nd mortgage lenders (GMAC & SunTrust respectively), we opted to move forward with a short-sale of our home. In July 2010, we received an offer of $400,000 and submitted all the required paperwork to both lenders. GMAC countered, asking for $425,000. The buyers agreed to pay this amount and all paperwork was re-submitted to both lenders. No response ever came from SunTrust (2nd mortgage holder) to either the $400k or $425k offers.

In spite of my agent's completed submissions to them and persistent weekly (and then even more frequent) calls to them, all we ever received were promises and phone shuffling from one department to the next. On November 11, 2010, GMAC formally approved the short-sale of the home for $425,000. My agent and I began lobbying SunTrust even harder to make a decision with more frequent calls and other correspondence. No response ever came from SunTrust. On December 27, 2010, 10am, the home was sold at an auction back to GMAC's Real Estate Division for $427,258.53.

On December 29, 2010, two days after the foreclosure, SunTrust formally approved the short-sale of the home (at the original $400,000 offer). They also asked for $20,000 to cover any shortfall. SunTrust let this matter languish for over 5 months and then did not even respond to the higher price offer ($425,000) that had GMAC accepted. SunTrust completely mismanaged this process and is responsible for the loss of the sale I had the right to make on my home, and for failing to negotiate a settlement with my agent and the 1st mortgage holder.

I consulted an attorney and in March 2011 made a limited-time offer by certified mail to settle the matter with SunTrust. No response ever came from SunTrust. Instead, over the next year, I received monthly statements from them charging a $10.75 Property Inspection Fee on a home that had already been foreclosed! In February, 2012, I received a letter from debt collection company LCS Financial asking for just over $64,000. Next step? Litigation!

In August, just before open heart surgery, I contacted SunTrust to see if I could get some help while I wasn't working the next 6-8 months. During the middle of February, they discovered that I don't qualify for a loan mod because of the date on my loan origination. I had many daily calls from collections and faxed hundreds of pages to the loan department. I contacted them to see what else could be done. They then escrowed insurance and property taxes, upping my payment 64% and making me unable to make this payment. Then, they reported to credit agency and my score has dropped from 710 to a poor 584. I can't get loan from another company. Finally, they sold my loan to another company. When I looked that company up online, they have 1600 complaints on file with BBB with a warning to be careful. I have no choice. We are all screwed by SunTrust. They are predators. I have equity in my home that they are eating up. I learned too late what jerks they are. Where is justice? We all need a class action lawsuit!

Fraud/Scam - On 2/7/12, I obtained a list of mortgage companies that refinance Freddie Mac loans. I called Suntrust Mortgage loan officer Karen **, assisted me in the process. Her supervisor also verified all information before completion of application. Karen and I discussed in depth all the information regarding the refinancing of my manufacture home located in the state of Georgia for more than two weeks before I forward my check for $537.50." At one point, Karen and I were discussing the foundation of my home and she read to me a guideline that she had about Modular Home and Manufacture Home (HUD) and she did not quite understand the difference between the two types of homes. So I explained to her all there is to know about the foundation that my manufacture home sit on and the skirt that placed around the foundation and how I qualified for the home exempt from my county. At this point, she read some information off some guideline. After listening to it, I responded that my home have nothing on it called a chases that kind of stuff. I think that comes with a modular home. At this point, Karen said she was confused, so she would have to take the information I have given her about my manufacture home in Georgia to her supervisor for approval.

After about 10 minutes or so, Karen ** returned to the phone and said to me, "Mr. **, I have gone over all the information you have given me about your manufacture home there in Georgia. My supervisor said you are okay for approval for refinancing your manufacture home but there's one thing I have to tell you. You will have to pay for your appraisal fee up front for $537.50 and it is non- refundable." I responded by asking, "What do you mean by that? If everything is honest and upright, we shouldn't have any problems about a refund, right?" Karen responded by saying, "Sometimes people are not honest about what their home is worth so we have to say that, Mr. **." I said, "Okay, Karen. I just don't want to lose $537.50. As you know, I am a senior citizen on a fixed income and do not have money to throw away." Karen said, "I understand. I am sending you the application."

Upon receipt of the application on 2/15/12, I called Karen ** and began to go over all the information I had already discussed earlier. I said, "Karen, is there anything that you or your supervisor hasn't ask me about my credit, my manufacture home or anything that would cost me to lose my $537.50. Because we need to be honest to one another." Karen replied, "Mr. **, your credit is fine. We have all the information on your manufacture home and my supervisor said that your home falls within the guidelines of Suntrust Mortgage Refinancing. You're okay, Mr. **. Return the application with the check for $537.50 on 2/24/12."

The check cleared the bank on or about 3/10/12. A man named Julius called on 3/13/12 said he was the appraisal and he will hit me about 1pm. I asked him, "What do you mean by hit me?" He then said he will be by my home about 1pm. At 11:05, my dog was barking loudly and there was a car sitting outside my gate. As I look out my window, I just continue my bath. The phone rang. I picked it up and it was that Julius man and he said, "I am in front of your home." I said, "Gee, I thought you said 1pm. Okay, I'll open the gate." I approached him and asked for ID. He had no card, no last name, nothing to identify to identify him with or connect him to Suntrust. He had a little round stick object in his hand. I thought to myself something is wrong with this picture. Fifteen minutes later, he's gone.

On 3/22/12 at about 2:30pm, Karen ** called me and said to me, "Sorry, Mr. ** but we don't refinance manufacture homes in Georgia. We made a mistake. I'm sorry we forgot we don't service manufacture homes in Georgia. But what my supervisor and I are going to do is we are going to try to get you a refund of at least $212." I said, "No, no, no. Karen, I did ask you several times to please review all the specs before I send you the $537.50, and you told me that you and your supervisor are sure that Suntrust can refinance my home." To which Karen replied, "Yes, Mr. **, you did but we made a mistake. I feel bad so I'm going to try to get some of your money back." I said, "Karen, I told the truth and I did not make any mistake. You and your supervisor made not only a mistake, you two scammed me out of my $537.50 and I am due all of my $537.50 to be returned ASAP."

I have been working with SunTrust Mortgage since October 2011 regarding a home loan modification. I fell two months behind in making mortgage payments due to medical, decrease in pay, increase in monthly expenses and increase in mortgage payments. Every month, they write me to ask for the same documents that they have requested and I sent the previous month. When I called to talk to the home loan preservation counselor, she tells me that they are reviewing my case and should make a decision soon. I feel like I am going around in circles. I have started making payments on my mortgage and they have accepted the payments but I am still getting threats about foreclosure.

My home is not even worth the amount that is owed. I owe over a $165K and my house is valued at $110K because of the housing market. I like the idea of home ownership and have even asked to move into another home that I can afford. They have the perfect home listed at $120K and I could be paying $600 per month, instead of the $1200 that I am currently paying. The $600 home is much more affordable. I am tired of being given the runaround and would like very much to come to a resolution very soon. I feel as if they are not helping me with keeping my home but are continuing to accept mortgage payment and putting me off until they can get a foreclosure. My original loan was with another company and SunTrust bought my mortgage almost a year after being in my home. Since then, my mortgage payments has increased by $400 per month.

I had an automatic electronic transfer for an existing mortgage. I called the only number they list, waited the required ten minutes for their customer frustration department, and finally had them call me back, which they did at the appointed time, very pleasant. I explained I was closing the acct. used for the mortgage payment, and I was told I could make the necessary changes on Sun's web site. When I later attempted this, I discovered there is no category for electronic transfers. I tried calling the phone number again, only wasting 20 minutes waiting. I e-mailed the firm telling them the account was closed and received a canned reply, telling me to go to the web site. They finally called me 17 days after the due date and transferred me to the waiting for customer frustration. I hung up.

Wow! I can't believe SunTrust have so many complaints. In 2009, I applied for a loan modification with SunTrust Mortgage. I had done everything they asked me to do. I made every payment during the process. In February of 2011, the loan modification was approved along with them sending my February payment back to me. After calling to find out why my payment was sent back, I was told I had 4 payments that were "missing", 2 from 2009, 1 from 2010 and 1 from 2011.

Before this could be investigated, I was sent into foreclosure. Fortunately, the foreclosure didn't happen but Suntrust could not tell me what happened to those payments after I provided proof from my bank that those payments were paid and cashed by SunTrust. After countless phone calls, letters, and emails I sent to them and even applying for another loan modification (per SunTrust), I was recently laid off from work and is forced to do a short sell on my home. I continue to fight this battle with SunTrust about those 4 payments that they took from me.

We short sold our home March of 2011 and now that tax season is here, we need to file our taxes. We changed our address with them the week we moved from our last house. We received the interest statement from them but not the 1099c. We have requested it four times now and still nothing. It is now March 1 and still nothing. I still keep getting the runaround that they have sent it again! Please someone help me.

We took out our mortgage with escrow rolled into the mortgage. About 2 years into it, they kept overestimating insurance and taxes, so we decided to come out of escrow and pay our own. We provided proof of paid homeowner insurance and were told that we had to pay a $200 fine to do so, but that it was fine. So we paid the fine and got out, except that when we went to pay our property taxes several months later Suntrust had already paid them. We called and explained that we weren't enrolled in escrow. They didn't see this, but when asked if they saw where we paid the fine, that yes they did see that. They would call us back when they figured it out. Guess what? They never called, so we called again after we received a bill for $700 stating that our escrow account was low and that if we didn't pay the money, then our house payment would go up.

We explained we don't have an escrow account, we will be glad to pay you for the taxes that you paid but we do not want escrow. So they said fine, mail us the check. We mailed the check certified mail and now they can't find it. But it was signed for and we have the receipt. The supervisor we spoke with would call us back. His name is Jason **. Guess what? Yes, he never called back. So now our house payment is due and we can't pay it online like usual because they have fixed it where our payment is increased because we are in escrow, you know except we are not. We started looking more closely at our last payment statement and noticed where we paid additional on the principal, they moved it to apply to the escrow. They are useless, do not use them.

I let my home into short sale in Feb. of 2011. Suntrust has it listed on my credit report as a foreclosure. We have been receiving mail from them at our new address for over a year now, but when we called last month for our tax form, they told us they didn't have the correct address. That's funny. So we gave them the correct address again! But here it is, Feb 28th, and still nothing! I am pretty sure the deadline for business is January 31, to get your tax forms, and info that you need to file your taxes. I called again today, and after sitting on hold for 45 minutes, I was transferred a number of times, and was told they sent our forms two weeks ago. When I asked to verify the address they sent it to, they gave me some screwed up address in South Carolina. I live in Oregon! So my personal tax information, including mine and my husband's SSN are out there for other people's viewing. Their response was, "sorry there's nothing we can do about it". Well, there is something I can do about it. I'm contacting a lawyer. This is one ** up company, and I've had it.

Suntrust took 4 1/2 months to refinance my house, I had to make numerous call to correct the problems they should have done! Now Suntrust can't seem to get my first Sure Pay payment correct and is making calls to me from collections! What a joke! Call me and let me cry on your shoulder. Someone ought to be fired just for the last part!

It's the worst mortgage company ever! They paid my taxes to the wrong parcel and only corrected this issue when I received a letter that my home was being sold at a tax auction. They have been charging me a $20 fee on my mortgage interest with no explanation. I have had to call them month after month to have this unexplained fee removed, and every month, they claim it will be taken care of it. But it never is. Avoid this company at all costs; they are completely incompetent and unprofessional.

I worked for STB for 7 years as a Floating Teller. Then, I went to classes to become a Financial Sales Specialist. I worked my way up to a Senior Financial Sales Specialist and was ready for a promotion to Assistant Manager. My husband and I were newly weds and we sold both of our homes. We took our equity and placed it in one home together and financed it with FmHA through SunTrust Morgtage. Then about 2 years into our marriage, I became very sick with Neurocardiogenic Syncope due to a small hole in my heart. I went on their disability plan and was dropped from their plan within 6 months. I was told I had to get SSI or return to work and that my position had been filled. I had to find work in another branch within 60 days.

My blood pressure kept dropping due to my disability. And I would pass out when it would reach 60/45. I had to lay down a lot and could not get up to search for a job so I was terminated. I was fighting for 3 years with Social Security to prove I could not work in a Laundry Mat which they claimed I should work in. But I was a liability due to my falling and I couldn't get anyone to hire me. Finally, I received my monthly disability check and it didn't even cover our mortgage payment. I finally received my disability in 2004 after one lose before their judge and then having to restart my case afresh with a lawyer.

In 2007 my husband became very ill and was unable to work. He has diabetes, high blood pressure, and they just found out 3 months ago his artery to his kidney is blocked and that is why his blood pressure is out of control. He has lesions on his arms from the pesticides they used in Vietnam, and night terrors. His disability was due to be approved and we had talked with SunTrust. We had given them documents to prove that in 3 more months it would be approved and we would start making payments and be able to have the loan redone. They just said, "No problem, we are here for you and understand." They said that all of our paper work was in order.

Then 3 months before the disability was to start, they sent notarized papers that we had to leave within so many days. They informed us they had foreclosed on our home and that our belongings would be removed if we did not vacate the premises by that date in 2009. My husband used all his 25 years of built up pension and sold his truck. We had sold both of our other homes when we were married and then paid for 10 years on our new home. We had equity in our home and they sold our home to someone else and never spoke to use again.

We drive by the house so I can glance up and see the bush growing that we transplanted from my foster home where I was raised and our first Christmas tree growing in the yard. All we had to live on for months was my disability check we sacrificed so much trying to keep our home. I cringe now when I go past a SunTrust Bank. I have worked in every one of the branches here and know them all. When their commercials come on, it hurts to hear them say how they are there to help. They are there to help themselves to your hard earned home is how I see it. They took my safe haven that caught me when I fell and it really hurts.

In 2007, I bought a single family home. My home loan was with a small mortgage lender, who sold my loan to Suntrust Bank, about 3 months after I was in my home. I was told getting the 2nd mortgage was better for me, not the one big fixed loan. I was told that I could refinance in 2 years. Who would know the crash came, and I am stuck like many other Americans. I called Suntrust last year, to take advantage of a refinance, and bring this 2nd loan into the first loan, in order to stop paying 8.5% on the second loan, worth about $40,000. The primary loan is like $375,000 at 6.25%. We had very good credit scores when we got the house, and still do.

We never missed a payment, but I was told I could not refinance, because my house is worth less than the loan. I have negative equity. I had never heard the term before. My husband and I was in shock. The bank could not help us. They own these loans right? So, I was told Fannie has the first loan. I mean talk about the runaround. I can't tell who owns my loan, and what I am entitled to. I feel let down. I work two jobs. My husband works about 70 hours a week, and we can't save. All we can do is try pay this $3,300 mortgage.

The house we purchased about 5 years ago, was worth $424,000 or more, our loan was $424,000, and we put down over $45,000 from a previous sale of our town home. Now, we are worst off than ever. I was told this house is worth $275,000, or so. I am disgusted and stuck. All I want to do is get a better rate, and get out of the 2 mortgage traps we were pushed into, and persuaded to take. We had no clue. We trusted the lenders. That was a mistake, also the builders.

I purchased my home in 2007, and asked for a fix rate. I also wanted one mortgage, but the loan officer stated that they had to split the loan 80/20, even though I put down about $30,000. I agreed, as long as it was a fixed rate. At closing, I'm thinking everything was fine, and signed papers. Two years later, I sat down to read my closing papers, and found out that the second mortgage at $23,000 was an adjustable rate, due to adjust this year. Not only that, my first mortgage is 60% of my income. I'm struggling now. What's going to happen when this loan adjust? I called to see if I could apply for the HARP program, and they say only with the first mortgage, but not the second. I thought there were laws to protect the consumers, to not take but one third of anybody's income to make a mortgage payment. How can they legally get away with taking 60% of someone's income for a mortgage? When they ran the numbers, I thought if they thought I was good, that I would be okay. I'm struggling here, just like all the other Suntrust Mortgage customers here who are complaining. They need to be investigated!

Suntrust Mortgage is a nightmare! How is this company still in business? I have been trying to get a loan mod since August '10 (it is now February '12) and still nothing. I haven't paid my mortgage since May '11. Endless phone calls to my negotiator, later to find out he doesn't even work there anymore. I'm going to make this long story as short as possible. I must have submitted my paperwork 10 times! They once offered me 3 months no payment or 6 months 1/2 payment ($1200). I called back to say I needed the 6 months offer. They told me that was no longer an option, 3 months only. Ugh. I need more time than 3 months. This was July '11. Now, I'm dealing with the 'home preservation CTR.' Probably some made up department. I could go on and on but it's useless because nothing will be done about the fraud these people commit. Stay away from this mortgage company!

My complaint is with SunTrust Mortgage (I purchased my home in 2007). When I bought my home I was making 35k a year, and as the sole signer on the deed my mortgage was $1,750 a month which was 60% of my gross yearly income. I ran into trouble paying my mortgage when my wife left and I was stuck with the house payments. From early 2009 (maybe late 2008) I began working with SunTrust to modify my loan. The first time that I attempted this I filled out and sent them the forms they sent me. I never got my modification. I was told every time that I called them that they never received my paperwork. I kept calling them for about 3 months before giving up.

I tried again later that year because I was starting to get nervous about my situation as I was eating through my savings. I again received their packet and sent it in. They again lost it and claimed that they never received it. In late 2009 I called them again to try getting a modification. This time it felt different. The people I talked to seemed to know what I was talking about and they sent me out the paper work (yet again). I filled it out and sent it in. This time I was told that they had a company working with them to process the paper work. I was given their number and told to contact them for processing information. When I called them they told me that SunTrust never sent them the paper work. So I would call SunTrust and they told me that they sent the paperwork, and that they must be over loaded with work and not have gotten to it yet. I did this every weekend for about 2 months before giving up on it for the third time.

By the 4th time I tried getting a modification I was already borrowing money form friends and family to make my payments. And because I was persistent in late 2010 I finally was given my modification by SunTrust and my payments dropped $450 a month. I would be stretched thin, but it would have been enough of a reduction to keep me in my house. I made my first trial payment in November 2010. That same month I received a letter from Nationstar saying that my loan had been transferred to them. 3 months later after all of my paperwork was sent to Nationstar I was told that my modification was not booked with the treasurer and therefore was not finalized. SunTrust had again found a way to prevent me from keeping my home. I had to restart the process with Nationstar. When everything was finalized in June of 2011 I was already in debt to people I had borrowed from to stay in my house, and the new modification had only dropped my payments to $1,650 a month—much more than I could afford. In October I began the process of leaving my home.

It is now January 2012 and I have had to abandon my home. I am working with Nationstar to complete a deed in lieu of foreclosure but I am again being discriminated against my Suntrust. Nationstar is offering Suntrust a second lien settlement to remove the second mortgage. For the past 3 months I have been transferred to 4 different departments. Loss mitigation, then foreclosure, then shortsale, then back to loss mitigation. I have sent them paper 6 times now. Two times I have mailed it and I have faxed paperwork 4 times. After sending the paperwork I always follow up a week later and am told that they have received it, only to be to be told a few weeks after that that they needed me to send it again. The latest happened today, 1-27-12, when I was told that they again needed my 2009 and 2010 tax return information. It took me two hours of being transferred and sent to voicemails to talk with someone who would finally admit that all of my paperwork was in and (according to their records) had been since December of 2011. I was told that they would send this information up to a supervisor and that they would get back to me today. They did not.

My point of contact is Laurin **. The supervisor in loss mitigation (liquidation) who is reviewing my file is Steven **. Is there anything that I can do about this? I am thinking about retaining a lawyer for legal council. Any advice? I have never felt this helpless and hopeless about anything in my life.

I applied for a mortgage in February of 2011 to be credit approved prior to shopping for a home with Suntrust Mortgage. When the process began my personal information was taken by a loan officer named Susan. Approximately 45 days after she took my information and I had also provided my w2's Paystubs, bank statements, etc., all the items she asked me for the day of the application she received. I never heard from her and when I called her office she was never available. I would only get voice mail or a call back from an assistant. Nearly two and a half months after first starting the process, I still had not signed on single document, received no disclosures for an FHA loan and was being treated very poorly. My mother is from Nicaragua and I look very Hispanic. I felt she was treating me differently because of this, but mostly I think this because of one time I did receive a phone call back from someone in her office and they thought I was on hold and heard them making disparaging remarks about my income and that Mexican lady was how they had referred to me in their conversation. I never said a word of this to them and started asking her to please speak with my husband even though he would not be on the loan.

I thought perhaps they would at least treat him with more respect than they were treating me. We have several emails of Dan my husband trying to make contact with them--nothing. She literally refused to call Dan even at my written request. This is when I contacted their corporate office and was referred to Tammy ** the vice president located here in Ocala, Florida. Initially, I thought this would be taken care of now for sure but even Tammy for some reason would not have a conversation with my husband Dan. There were two calls made back and forth both of them missing each other than Dan wrote to her and voice mailed her asking for a phone meeting time so that we could get this going. Tammy finally told me Susan was way off on the loan amount and sent me a letter stating I was able to be financed for up to $150,000, but when I found a home and went into contract she all of a sudden does not have any of my paper work, claiming it has been lost! She emailed me, asking that I gather up all of the necessary documents once again because they lost them. I gave them to her and it quickly became obvious by her emails that she had never actually reviewed my file at all.

A couple of weeks ago it became apparent I was getting the run around again. I have no idea why they could not just professionally tell me the truth. They lost my documents, wouldn't talk to my husband, treated me like a second class citizen, and made disparaging remarks about my income and race. It's ridiculous to even know this is still happening in today's political and racial climate. Nearly one year ago I responsibly went to a lender just as they recommend to be approved for a max loan amount before making any offers on properties and they do no work on the loan except for to put me off, lie to me and their insulting comments until after I go into contract. They have cost me over a thousand dollars in gas money and the $450 they collected from me while searching for and then going into contract on a home. I have been humiliated by them both with the realtor and knowing their insults towards me. I am now reluctant to even want to talk to another lender at all. This is not fair nor is it right for them to do this. Please tell me what I can do. Don't let them do this to another Hispanic woman. Thank you.

The monthly mortgage statement states that payments made after every 16th of the month will be considered late and a fee will be charged. Well, when you are out of work and still continue to pay your mortgage before that date, I don't feel they should hound and harass you for your payment. Please stop!

Well, I was 3 months late on house payment, due to losing my job & depression. So I had help from my mom with half but Suntrust Mortgage Inc would not take half of the balance due . So yet another month was pasted, now 6 months in rear! I still have no job and new meds had me lifeless . We still asked them to take half the amount due and tack balance on the end . They transfer phone calls like changing socks, to tell your life story all over again and again, each time to a new person . I get a new job with health insurance but poor pay .They wanted a monthly payment 2x's my monthly pay. How will I pay for other needs! Yes, I am single, Suntrust tells me fill out this form for refinance.

I do that and I call and call, repeat my story to more loan lit reps . A month later (8 months in rear) "sorry, we can't help you." So it has been fax this, call them and now, I just don't care ! Suntrust is a joke! A year later, they want me to sell, but the market is down, realtors will not touch it, due to they will not make any money! I even asked to do a deed in lieu, They keep me on the phone for hours at a time, call me days later and say I can't do a DIL! And no bank statements have come in months to show loan balance! Their last letter said I had until Jan 23, 2012, Now they say they can.t tell me the balance, to call the lawyers. I don't even have a letter with who the law office is! I am giving up! I am so tired of it all! The house will be foreclosed on, every turn is a blocked wall!

Been with this company at least 8 years and have never defaulted on my mortgage. Not once. I get paid the last Friday or first Friday of the month, so that's when it's paid. They won't change the due date on my mortgage as I have previously asked them to do. They repeatedly call and harass us even after they have been told that the phone payment has been made (usually no later than the 6th). Harassing your customers when you know they have paid their mortgage should be illegal. Truly wish another bank would buy them out.

Suntrust billed me twice for my $1000 mortgage. I called on December 13 to have them refund my money so I could pay for Christmas presents, in addition to my car payment (also from Suntrust) and an association fee. It is now January 4. I still don't have my money returned. So obviously, I never got to buy Christmas presents for my family and I have other businesses demanding money for bills of which I have no control over. Thanks Suntrust.

We filed a claim for hail damage, immediately scheduled a roofer to repair the damage, and then went to deposit our 60% deprecate insurance check at Suntrust. We were told we could not have any of the funds until we filled out all kinds of paperwork and waited for headquarters to "process" it and release 1/3. I explained that we already have a roofer coming the next day, but Suntrust said the money still had to be held. We asked how we were supposed to pay for the supplies (part of our agreement with the contractor) and they said our roofer should take it out on credit because Suntrust would only release $4k of the $12K check anyway.

We paid $7K out of pocket to get our roof done and then were told we had to have an inspection. Even though our roof was completely done and only $700 in gutters remained, the inspector put 90% complete because Suntrust requires a "final" inspection later. Are you kidding? So the next day I picked up the phone and called Suntrust. Sure enough, I had to schedule a final inspection so another inspector could verify that 95% was actually complete. So here we are with no money released by our mortgage company, but our insurance company is already processing the remaining depreciated amount (thank goodness someone is sane here). Someone needs to pull in the reins on these insane bank practices.

4. We have had to take a lot of time out of our day to call, meet people at the house, run forms to the bank, etc. to get our own money.

If I could have selected zero stars. With regard to my overall experience, I would. I was approved for a loan modification in December of 2009. In March of this year, I was contacted by Suntrust, and told that my loan was no longer valid. I asked as to why, and they said that the Obama program was no longer offered. They didn't have signed loan papers, and that I needed to participate in the loss mitigation process. I did everything they asked me to. I paid my payments in full on time every month, and kept jumping through all of the hoops they asked me to. I received a foreclosure notice in August.

I responded by sending them copies of the loan papers, copies of all of my cashed checks etc. I then got a letter from an attorney, informing me that my house would be auctioned off on December 22, 2011. I forgot to add that I did not receive any payment coupons, and I sent all of my payments to Peter ** (spiderman). Spiderman is obviously not an honest superhero, as he cashed all of my checks, and did not apply them to my loan. Suntrust stated that they do not know where my money was applied.

One thing's for certain, it was not applied to the loan. I have faxed my information over 15 times. I have sought the advice of a credit counselor, who called Suntrust on my behalf, and stated that in all her years in her job, she had never been transferred more times, nor treated as poorly. My house is in foreclosure. There is a sale date of December 22, 2011. They will not answer my phone calls. I call them, and they transfer me, and then no one answers my call. I was on hold once for almost an hour. Please help me.

Due to several hardships, I became behind on my mortgage by 3 months beginning July 2011. During this time, I kept in touch with Suntrust and started the modification process. I submitted the original paperwork they requested in August 2011. I called and checked on it every ten days or so. A month went by and then I was told it had been "inactivated". So, I resent everything again. I called every 10 days or so. As of month 4, I had enough money to pay one month in an attempt to keep things from going any further into arrears. They would not accept my payment. I had to pay the entire amount owing. Finally, after two months and numerous phone calls on top of submitting all my information twice, I received a phone call stating I was approved for their three month "trial period". Great! What a relief! It saved me around $260 a month.

My first payment was to be into them by November 1, 2011. It was done! I paid 2 weeks early even. Wait, why am I getting mail from attorneys stating my home is going to be in foreclosure unless I pay the entire amount due? And then a guy stopped and took pictures of my house about a week later. Then 2 days later, I got a hand delivered packet of papers stating that my home will be on the sheriff's sale on December 22nd. My trial period was to be until January 1, 2012, at which time the company would decide if they would rewrite my loan in the terms of the "trial" period. Now how can that happen if my house was sold on December 22nd?

Again, I called two days in a row to ask questions about the situation. I got canned answers: "This is the process," "Call two weeks prior to the sale date and we'll request to post-pone the date," "This is how it works; loss mitigation does not communicate with foreclosure department." Why not? Where is my money going then? My final call today told me that my request for postponement had been sent to "upper management" for approval. So, what happens if it's not approved you ask? A sale will happen on the court house steps on December 22nd. If the bank decides to buy the property back, then my family will have 30 days to vacate. If a 3rd party purchases, we have 24 hours! It's not a good enough answer!

The most frustrating thing about this whole thing is the speed. My first missed payment was July 2011. The sheriff's sale is December 22, 2011. It's like I had never contacted them, made any type of payment, and jumped through their hoops to process a modification. I really hope enough people complain so something can be done about the inefficient process, poorly trained customer service staff, and overall lack of empathy this company has.

Unfortunately, I got two months behind on my mortgage. The loan modification is a total joke. I sent information that they requested. I literally sent everything I had and I carried copies around telling everyone it was my life history, only for SunTrust to say they needed more information. So I sent that, only to be told my file had been deleted. I cashed in some PTO to make a large payment and was told that I had to send payment in full or payment would be returned. So I was able to get a loan and made the payment they requested (in cash at the local branch) and was harassed 5 days after I handed person to person cash money to catch the loan up. On day 6, I received a call asking me how to apply the payment that I sent to catch my mortgage up to date. Hmmm. Really? I handed what you requested and you don't know what to do with it? If I hadn't have been at work when I took that call, I would've lost my religion and possibly became a superhero and jumped through the phone and shook that person. SunTrust is a joke! Everyone I have spoken to on the phone has no clue what is going on.

My Aunt Barb lost her job last July due to the company closing. While drawing unemployment, she continued to make her mortgage payments. After she exhausted her unemployment, she kept in touch with the mortgage company, paying whatever she could afford. Now she learned that on the fifteenth of September, her house was being sold. She has done everything she can to keep the house she grew up in and is on the verge of being homeless.

Suntrust and Fannie Mae are a bunch of crooks for doing this to a woman who has never been late on any payments. I think this is wrong for Suntrust and Fannie Mae to do this to anybody who loses their job for reasons beyond their control, and must be stopped from doing this to anybody else.

I don't know why Suntrust stopped sending me monthly bills for my home equity loan payments. I mentioned it to my local bank and also to the person who takes payments over the phone, but it does not seem to have any effect. It is hard to remember making payments without getting monthly bills.

SunTrust Mortgage refuses to participate in Obama's Hardest Hit Funds (HHF) programs in any of the 19 states in which it was established to help struggling homeowners, like myself, who have been hit hard by the economic and housing market downturn. I have done everything possible to work with SunTrust Mortgage and for the last three months have given me the complete run-around--can't locate documents that I've provided to them, never return phone calls, and now, they have filed a motion for foreclosure. I don't know what to do. I have qualified for our state's Hardest Hit Fund program, but SunTrust will not participate in this program. Please sign this petition and help secure SunTrust Mortgage's participation in each of these state's Hardest Hit Fund (HHF) program: **!

I had my loan modified and have made every payment since the modification. When I made my March 2011 payment, it was credited correctly and then less than a week later, during the first week of April 2011, some department reversed my payment and applied it to something else in some other department.

As of November 2011, some seven months later and more than 25 calls later, no one can tell me where that money went, to what or whom reversed it. So even though all representatives agree that all payments have been made on time and the number of payments matches the amount of payments that were due, they still show me behind one payment since April when my payment was reversed and moved somewhere else without my knowledge or permission, yet no one knows who did it or why. I have been with Suntrust 12 years now.

This company is a bunch of bull. I've been with Suntrust Mortgage since 2007 after my mortgage was sold. I was never late until I lost my job in 2009 and at that time I still remain good until all funds exhausted in Sept 2010. At which time, I called for modification and were told to send in documents( check stubs, bank statements and hardship letter). I was approved and was placed on 3 months trial. Well, after my trial period, I was given my final amount which should be paid. Then I received a letter stating that I had not sent in all required papers and my modification was cancelled. Now I'm facing foreclosure and have nowhere else to turn. Only rated a star so I could post my comment but in truth I consider them a big fat zero!

Unacceptable! I received a bad credit score based on the information they gave me. They originally denied the modification because I missed 2 payments. After months, I'm still denied for the same reason. I missed 2 payments and then I had bad credit and no longer qualified for a modification due in part they had no program that would fit my current situation. This has been going on since 2008. Now my credit is ruined and I cannot refinance as well. They have given me the run around for well over 3 12 years. First saying I made too much money to modify then saying I didn't make enough to modify. I even had an attorney working my case and he has never seen anything like this.

My attorneys name, Brian ** in Costa Mesa, CA. **. My credit is ruined and now trying to catch up on missed payments have charged late charges, decapitated my house taxes and house insurance and the charges keep mounting. I have worked very hard to qualify and stay in my home and the have made it impossible. The loan I have will change drastically and I will be out of a place to live with the terms they have given me. Please help.

It's the same horror story, with a twist! We built our house construction to perm on land we owned in 2007. We had great credit and Suntrust gave us a loan of $400,000.00. The construction cost exceeded our budget. Instead of Suntrust increasing the mortgage terms, they gave us a HELOC (Home Equity Line of Credit) for $60,000.00, so we could finish construction. In 2009, we both lost our construction industry jobs and had to refinance. We advised Suntrust we had HELOC. In the terms of the HELOC, it said that we cannot modify the primary note. They told us not to worry about that at this time and they would do a modification. The modification was approved on the same day we were served lis pendens in March of 2008.

In 2009, we got a call from Suntrust saying they want us to pay our HELOC account. I said that I was told not to worry about it and kept fighting it. Finally, I spoke with a Mrs. ** and asked her to send me a statement with the balances and I will see if it's anything we can afford. She said that they couldn't because they wrote it off. And she told us to just send a payment and that they would know how to take care of it. Well, no! That isn't happening!

Our mortgage increased from $1943.18 to approximately $4000.00 in 2011. We couldn't afford that, so back to Suntrust. I told them again about the HELOC. They said again that they were not concerned about it. The value of the house is now around $300,000.00 max and they have sent a subpoena for deposition for breach of contract for the HELOC. I called their attorney and requested it be postponed so I could get a lawyer and they said no. I need an affordable lawyer. Suntrust shouldn't be allowed to treat us like this. Is there any class action suit against them for this practice?

My wife and I are being harassed by Sun Trust because an online payment is supposedly late. We get paid on the 5th of the month; therefore, we make our mortgage payment on the 5th. It usually gets to Sun Trust by the 12th, but has supposedly not made it yet (18 Oct 11). Our checking account has been debited the payment amount. Our credit union's bill-pay company has verified that the payment is at Sun Trust's payment center in Baltimore, MD.

Sun Trust collections denies the existence of the payment, and has called everyday, some days twice, demanding payment. I have begged to have our due date changed, but they will not hear any of it. I have told them that the payment is in someone's inbox at Sun Trust, but they are unwilling to verify that. These people are thugs. Their collections office, payment office and customer service office (that's a joke) are in different cities--they do not communicate with one another!

It has been months and I'm still paying my mortgage. They were mailing me checks back! I had no idea what was going on so, each month I'd call and they'd tell me to mail it back. Huh? So, I did. They kept entering some code in my account that was rejecting my payments due to the "modification" they contacted me about. They messed me up royally and I asked them why would they reach out to me when there are other people, like the lady who posted below who can't get an application that need them? The one counselor "tried" to be sarcastic, but, he picked the wrong day. Nonetheless, I'm still having it corrected.

A few other things are when I went in to the local branch to get them to call and get somebody on the phone. Due to the run around you get, they didn't want to do it and the lady was painfully honest as she said they hate calling them because they receive the same service!

I also experienced a property loss; the sewer backed up in to my property. It had nothing to do with a storm. The restoration company came and cut out our walls, tore up our floors, took off doors, etc. and if you think the gentlemen below is lying about them keeping the money, guess again! They give you a ton of forms that are intended to scare contractors, demanding a copy of their W9 form, notarized documents and they talk and treat you like crap when you call about it. You're basically left in a vulnerable state. We lived without walls and floors for months!

For the lady trying to get loss mitigation help...have they faxed you the documents you need to get started? If not, I have a blank copy and the fax information and all the documents you'll need to get started. Hurry before they refer you to their lawyers.

They referred me and I was paying. They just kept sending the checks back. When I returned them, they put them in a holding account because they didn't know how to apply them due to "some code." Meanwhile, nobody called me.

We had a 7 year interest only ARM on our property which we purchased in 2009. We decided to refinance in order to get a lower interest rate, add a few years to our adjustable and pay down the balance. We went through the same mortgage broker we used when we purchased the property. SunTrust Mortgage got all our paperwork, and asked for an appraisal. The appraiser came, spent about 2 hours at the property, did his job professionally and in a few days came back with the appraisal at $90,000 less than what we had paid in 2009 for the property. We expected a lower number and decided to go with the refinance and add about $12000 to the principal to make it work. We said this to the mortgage broker who relayed it to SunTrust. After a wait of approximately 2 weeks, SunTrust said they needed another appraisal on our property. They paid another appraiser to come out and he totally negated the first guy's appraisal and gave a value of $175000 less than than what we had purchased the property for. We could not make this work, so I said we would withdraw our request for refinance.

Last week, we received a copy of the SunTrust appraiser's appraisal. It was a joke. The comparables were not equal, we have a water view from the whole front of our property, the comparable properties are inland, smaller, and not nearly as valuable. He also wrote on the photo he took, which does not show our home (it shows our chicken coop), that this was the best view he could get of the property because it was a private driveway (not true) and the neighborhood was uncooperative (also not true). I was at home the day he was supposed to come, all day to show him anything he wanted to see. He also declared on his appraisal that we were on a septic system (not true as we paid approximately $30000 to get hooked into the city sewer in 2009). This was a put-up job. SunTrust decided they did not want to write this refinance and got an appraiser who knew that he was supposed to undervalue our property and that is exactly what he did. Why did we have to pay $500 for an appraisal they threw out in the trash, because they didn't agree with it. They should have used their appraiser in the start and not wasted our time and money. We did waste our time and money and we are very angry. This is a farce.

My father and I applied for a mortgage with SunTrust in Millersville MD. Our officer was Bryan ** and the manager is David **

I was given the approval and told that the settlement date was September 9th 2011. I waited to have the appraisal ordered until the loan approval was final and I was given the green light by Bryan. I did everything I was supposed to do and ready to settle but just days before settlement, Bryan called to tell me that he had made the second biggest mistake in his career by approving my loan.

SunTrust will not make it right by at least reimbursing what I've lost.

Poor company to deal with if you ever have property damage due to storms. They keep the funds issued from the insurance company requiring the home owner to submit a mound of forms to be copied and obtained before releasing any of the money that the insurance company had issued the homeowner to help with repairs . It"s one thing to be dealing with all the repairs but it is another to then deal with trying to pry the money out of the mortgage company . We heard that this was a problem with hurricane Katrina - and now we believe it!

My mortgage payment is $4,000 and I have been paying it on time for the past seven years. On September, I made a mistake by paying $40,000, which made my account in the negative. I am unable to buy any food or gas to go to work and provide for my family. I borrowed some money to cover the payment of the outstanding checks. I spoke to few people from Suntrust and they asked me to provide statement from the bank to show the negative on the account, which I did. Then, they told me that they have to send a letter to the investor to process our request of refunding the money and take their monthly payment? I asked who the investor was and they told me that it is Suntrust! The bottom line is that they do not care about anything except taking their money. This is the worst company and we all should stop paying them--maybe they will learn.

I recently purchased a house and the mortgage was sold to SunTrust Mortgage (should be renamed to SunThief Mortgage; further referred to as ST). My first payment was due on 01 May 2011. I sent my first payment on 11 Apr 11, sent the June payment on 18 Apr 11 and sent the July payment on 25 Apr 11. I also paid the August, September and October payments early. In essence, I'm over 90 days ahead on my payments. I checked their website to verify that the payments had been applied and they had. However, ST had charged me 30 days of interest on all payments even though only seven days had transpired between a couple of payments and the others were paid before their due date.

I called to ask how they applied the interest and they said that they would send me an amortization schedule to see the amounts they would charge. I told them that the amortization schedule would not show me what I needed because my payments were paid early. ST said that they would need to send my question to another department and I should have a response by 31 Aug 11, about three weeks after the call.

I called on 02 Sept 11 and was told that it hadn't been resolved, which means that they hadn't looked at it because it's a pretty simple process to determine. They also said that they compute the interest by taking the outstanding balance and multiplying it by the APR and dividing them by 12. This means that they charge you 30 days of interest no matter when the payment is received (e.g. 20 days early or 20 days late). I told them that this was ridiculous and they said that it's how they do it. I asked them to pass my concern to the department they mentioned in my previous call and that I would call back.

I called back today (08 Sept 11) and, of course, they still hadn't looked at it. The person I talked to said that it was how they charge interest and they weren't going to change. I guess they like the ability to steal their clients' money because it only took me about 10 minutes to create a spreadsheet to determine the daily interest and it gave me the actual amount that they should have charged. Right now, they have over charged me for more than $2,400 in interest and my first payment was only due a little over four months ago.

I thought that I was with the best mortgage company, but after they did a modification on my loan, they ** me up from $1,320.00 that I was paying on my mortgage. It took almost two years to complete the modification and they bring my payment to $1,350.00. My question is where is the help? After that they add the insurance to my payment, which when I pay for myself was about $ 60.00 and with them is about $100.00. Where's the ** help? The person that I talked to got offended because I was discussing the situation, and he said, "Well, what you can do is sell the property or do a short sale." It was so stupid that I never thought he was going to say that.

If somebody is reading this and you know how to write a letter to the President and let them know about this, I'll appreciate it if you send it to me through **. An uncle of mine did this and they help him. I just want to be heard because this is not fear.

I lost my job in 2009 and I had been working only part time. I have been trying to get help from the loss litigation department at Suntrust. I have not had any success. They denied me the first time, saying because of lack of information. That was not true. I supplied all the documents that they requested. I have tried to reapply but they have failed to mail me the application and that has been over 2 months ago. The program is a bunch of **. They are not trying to help people at all.

We are selling our home and buying another. We have a line of credit which will end on 1-26-2012. Suntrust sent us a letter that we are in default. They said the credit line will be due on 4-25-2011. It was a mistake, which was there fault. They admitted that. Suntrust has filed the default with credit reporting services anyway. This showed-up when we applied for another loan. Suntrust said that it would take some time to rectify it. It will not help us. I have not had any good response from any in the Suntrust family, and all I get is the runaround.

We entered the home modification program with SunTrust in January of 2010 and made our first payment but we were told we made too much money and that we would probably be dropped from the program after the three month trial. We decided to sell our house. We sold our house on January 27, 2010.

On February 2010, I got a statement from SunTrust stating that I was in foreclosure because I hadn't made my January payment. I called and asked how I could be in foreclosure when I paid my house off in January and the January payment had cleared my bank in early January? I sent them a copy of my cancelled January payment. I called the title company that sent the check to SunTrust mortgage to pay off the house. They had sent it overnight by FedEx and it was signed for by a SunTrust employee. After that, nobody knows what happened.

The title company then wired a check on February 10 to SunTrust. This took me months to clear up and I spoke with numerous people. Finally, I spoke with someone named Caroline who was helpful. On April 17, 2010, I got a letter from SunTrust admitting the entire matter was their fault. Now, we are in the process of buying a house and we got our credit report saying we were late on our February 2010 payment. So, I called and I asked how could I possibly be late when the house was paid off officially February 10? I had to file a dispute. I got a letter back today stating that they stand by their statement that I was late in February. So, now I am back to square one trying to get this settled.

My wife and I applied for refinancing of our home, located in South Arlington, Virginia. The consultant we dealt with, Mohammed **, was more than courteous, as well as professional. Everything went well except in the end, when a representative came out to estimate the "value" of my property.

The estimator estimated the value of my property one hundred thousand dollars less than the Arlington County assessment, which is presently $453,00.00. I even provided Suntrust Mortgage with the official statement from Arlington County, and I was still "denied" refinancing of my property.

Before our "economy" started crashing around us, my property value was $575, 000.00. As you can see, I took a pretty good hit on the overall value. I found out that the estimator sent to my home was from Maryland, and surely he has no idea the value of properties in Arlington County, Virginia, North or South. He even ignored the most recent County Assessment that's on file. The house right next door to my home is currently on the market for a little more than $500,000.00, yet I have a corner lot, and a little more property.

We made three payments on July 29th to bring us completely up-to-date which was difficult enough. We needed to apply for a used car loan and the credit report showed that we were not paid for mortgage. It is now Aug. 12th, after 5 calls asking them to apply our payment which they had held. Today, I tried to print an updated statement but they only applied 2 payments!

After a call to customer service, she stated that it shows we are $ .51 short that was why it was held. I asked HOW when I was quoted the exact amount to pay? She said, let me put you on hold and apply this properly. Then after 10 seconds, she said it will be updated in 24 hours to show that we only owe August. When I asked how it showed up as short, she just said, well it will be fixed now. Are we being harassed?

I am a realtor working with Suntrust on a second mortgage held on a property I have listed and have an accepted contract from Nationstar on the first mortgage and waiting for a letter of acceptance of the funds offered to Suntrust so we can do all that still needs to be done. Nationstar gave us until the end of August to close.

Working with Suntrust has been a nightmare. We had to resend almost all the paperwork to them again because they said it had expired. We were never told this would happen. Now after two weeks, I have been assigned a negotiator but have not had a way to communicate with her, and they will not give me a way.

If the house goes into foreclosure, we all lose including Suntrust with the second mortgage--but mostly the buyer, the seller, and the realtors who work at short sales for months and end up without a cent. Banks do not care because they are reimbursed by our government and our taxes.

I have owned my house for six years and I have never missed a payment with Suntrust. Over the last year, I have paid my mortgage on the 29-30 of every month as this is when I get paid. I have called Suntrust many times to discuss loan modifications or the possibility of moving my pay date. Every time, they have been completely unhelpful and they say that there is nothing that they would do. My last payment in July 2011 was made on the 30th. However, the amount was short $60.00. They called to tell me that they were holding funds until the entire amount was paid and in the mean time they have cashed my checks. I paid the remaining balance and today I got a certified letter in the mail stating that I am two months late, which would include this month that we are in.

On June 2009, I missed a payment. As an employee at the time, I felt that I could easily try to get forbearance through a modification. I was then in the middle of a divorce.

On November 2010, my modification was denied. Their explanation was, "You are only one payment behind". At this point I am no longer an employee of SunTrust. I had been laid off from my new job and have started another. I was advised that if I had missed "at least two" payments, maybe they could help me.

The letters started in June 2009, sent about each week. Phone calls to the tune of twice per hour every hour they could legally call and I stopped answering the phone.

Fast forward to March 2011. I missed my second payment in two years. On July 2011, I asked for help to bring my mortgage current from family. They agreed. I called SunTrust. After telling me that I was three payments behind, I asked what they did with my July payment. They said, "Being held until we were told what you wanted us to do with it".

Because? I was because it had been referred for foreclosure. Wait, wait, wait one payment does grant a modification and two gets a foreclosure? Where is my gray area here? They claimed they sent a certified letter. I asked them to produce a copy of the return receipt as I had never signed for any letter. They answered, "That is not our problem, we sent it." I told them I mailed my payment and they said that July was late but I sent it on time. They answered, "That is your problem. You have to get it here on time".

But I did that early stuff before. I post-dated the check and funds were withdrawn early, throwing me into overdraft. But also, you guessed it, not their problem. I explained that I was ready and able to pay the total due, in full, by close of business and to just give me an amount. They told me, "We don't have the amount because of attorney's fees."

What?! I have not been communicated with by an attorney. Did they send notice? I have no idea, SunTrust referred it. Next day, attorney information arrives and a letter to my ex-husband, from an attorney, too. SunTrust had been sending official communication to someone who does not live at my home. The estimated attorney's fees for them doing nothing? It is $2,500 and they could not even tell me the amount SunTrust said was in arrears. I called SunTrust to ask, also how much in fees, and they did not know. Just estimates.

To this date, August 4, 2011, not a single person can tell me the amount to bring the mortgage current nor what the attorney's fees are.

Bait and switch on Veteran's refinance. They changed balance due on payoff and the interest rate. Mortgage officer refused to return our calls or explain where the difference came from. We are trying to refinance with WF and have been requesting an HUD form for 6 weeks now thru online and have made 11 phone calls. This is costing us $250 per month over what we should be paying with a refinance, and now WF wants to fine us $200/week! Never trust SunTrust. They treat veterans terribly.

No star! I had to put one star or this complaint would not allow me to submit this. They do not deserve any star!

The mortgage department at Sun Trust Bank is terrible! I was having an issue getting one of my subcontractors to pay me. I kept in constant contact with the mortgage department (I was late paying my Feb 2011 mortgage payment). I paid the payment with the late fee and they still put a strike on my credit.

I have been a customer with Sun Trust Bank for over 19 years! How dare they treat me like a criminal. But they did--they made me feel so bad. They were so mean and so rude! People need to know how they REALLY treat their customers!

I have tried to resolve the strike on my credit with the credit bureau but Sun Trust Bank is not helping me at all with this either! I have NEVER paid my mortgage payment late, EVER in 19 years with them. I could not believe they could or would do this to a long standing customer especially the way our economy is. I have friends in my neighborhood who have not paid their mortgage payment for a whole year -- they were foreclosed on in the end! I was 17 days late and made the payment with the late fees and they still reported me to the credit bureau! Thank you!

I was getting a mortgage with Wells Fargo when I first bought the house. They decided that my credit score fell two points under the minimum that they would accept and passed the buck to Sun Trust. Last year I applied for a loan modification with Sun Trust. They gave me erroneous information and I chose not to proceed with the modification process. I called a few months later as I had lost my income for a few months though I had sent in a partial payment. I was threatened with foreclosure, sent intimidating letters, within three weeks of their receiving a partial payment. I called several times and asked if the loan modification process could be started again due to my new circumstances. That is when I found out that I could have accepted the old offer but Sun Trust representatives had told me a complete load of garbage.

Started a new modification process. I faxed all the documents to them and then waited, I called to follow up was told to wait it takes a long time. I called again, then was told my documents had expired because too much time had gone by. I faxed all the documents again. I called the next day to be told that I had to wait a period of 48 hours before I could confirm that the fax had been received. I called again and was told that they had the paperwork. I called again was told that the modification had been cancelled because they did not receive the paperwork in time. I called NACA and hope that I can get some action. Thats not all though they lost a mortgage payment and reported me to the credit bureaus wrecking my credit score. Then had to fix their mistake because they sent the payment to the wrong department.

The partial payment I had sent was a debacle. I tried to get it back so I could write them a check with the difference added. I was told that they couldn't accept a partial payment but they couldn't send it back to me either. They applied it to my escrow account. They never notified me that my escrow was short nor that my payments were going up permanently by two hundred dollars. Even though property taxes only went up 36.00 a year.

I just refinanced my mortgage and was told by my lawyer not to make the June payment because it would mess up the numbers when they sent the pay-off. SunTrust contacted me about the June payment and I told representative, Ms. **, that I had my closing last week and that my lawyer told me that he overnighted the pay-off to them on Monday (this was on Thursday). She basically called me a liar and said since I have three days to cancel the contract after signing at closing, how could they have sent the pay-off? I hadn't told her the exact date of closing.

She said, "I'll just put down that you're in the middle of refinancing." I told her how dare she make up words that I hadn't said and that she had better put in her notes exactly what I said. I already wrote a letter in the past about the rudeness and unprofessionalism of SunTrust Mortgage employees and of course got no response because they don't care and have no appreciation for their long time customers. No damage that I know of. But if the SunTrust Mortgage employees are just going to make up stuff to write in their notes instead of writing what actually transpired, I can see that damage could be done to someone's credit.

I have contacted them at least three or possibly four times since submitting my HAMP package on 3/22/2011. I am being told to check back weekly, and they say that they are still reviewing my package and updating information. My situation of being unemployed has not changed since 2/2/2011. I am running out of funds and am in danger of imminent default. I am frustrated as I think that my file requires very little to modify the loan and begin the trial period. I have never been late on a mortgage payment for several years now.

I was laid off for 7 months. I submitted a loan modification request. I called every 1 to 2 weeks to check the status and asked if they have all the paperwork they need, and do they need any additional information from me, and has the loan modification been assigned to a negotiator yet? Every cal,l I received the same answers, "Yes, we have your loan modification paperwork", "No, we don't need any additional information", and "No, it has not been assigned to a loan negotiator yet".

We have been selling our belongings and have a pending sale that would give us the full amount of the past due balance, but we need 2 additional weeks that SunTrust won't extend to us. I received a letter stating the loan modification was denied due to additional information requested that was not supplied. They never asked for any additional information and when I asked them in a phone call after the date of the letter, but before I received the letter, they said the same thing-- they had all the info they needed, they didn't need anything else, and it hadn't been assigned to a loan negotiator yet.

My story is a carbon copy of all that are listed below. This Bank or so-called bank needs to be held accountable for their actions. They are causing hardship stress, marriage problems, loss of work and loss of pay. This is a train wreck. We need our government or someone to step in and help us stop this immediately.

I am a victim of an act by SunTrust Mortgage. SunTrust Mortgage had put me on a trial Home Loan modification process starting January 2009. By the contract agreement signed, the lender agreed to lock in the modified monthly amount through HAMP (Home Affordable Modification Program) once the paperwork was done and all facts reported by myself were verified. There was no followup or updates. I called in at least once a month to check on the status of the process and there was always no straight answer. The famous answer was, "We are behind, just keep paying the trial amount and check back later".

One year later in January 2011, SunTrust Mortgage sold the loan to NationStar Mortgage Company without disclosing or addressing the status of the Loan Modification contract. NationStar is demanding to collect all short payments throughout past year and accelerating the house to go into foreclosure. I don't even believe Suntrust applied for HAMP on my loan as they were supposed to per contract; at least there is no evidence. Now my credit is a mess and I'm losing my house.

My story is like a carbon copy of the ones below. I began needing help in December of 2008. I called Suntrust Mortgage and explained that I was a single mother and was struggling and asked if they could help. I was told not to make the payments and then I would qualify for a loan modification; the missed payments would disappear from my credit report when the modification went through. I was up to date on the payments until then. I did as I was told and it has been a nightmare ever since.

I have received duplicate, outdated paperwork repeatedly. I have never received an account statement and when I asked about it, I was told not to worry about it, "just keep paying the money at the Suntrust Bank." I have been doing so since the loan modification started in June 2009. I have never received anything about amount changes or tax payments or anything like that from the mortgage company. In September 2009, I got papers saying that my modification was complete. Nothing else until December of 2010 when I received an account statement that said I owed Suntrust $6,000! I was shocked and called immediately. The woman on the other end of the line told me it wasn't correct, "they haven't applied the other amount. It's actually $2,000."

This was a very in-depth conversation and I was making sure that I completely understood what she was saying. She also was glad to share with me that my payment had dropped by about $50. I then received a letter dated January 6, 2011 saying that my loan modification had gone through and there was no action needed at this time. Another letter came dated January 12, 2011 that said I was going into foreclosure and needed to pay $**. I also received tax papers that stated my payment had been around $50 higher than they were originally.

This change was as of August 2011! That was the first time I had heard of it! And didn't the woman before tell me it had dropped even $50 more? Well, I went to make a payment on February 11, 2011 for both January and February. I received a payment receipt and went about my business. They sent me back that check and a letter stating that I owe them $5,000 and they can only accept the full amount. I have repeatedly called and I got the answer of, "You went into foreclosure on February 16 and we didn't get the check before that date!" Really?

By March, I was getting nowhere with the mortgage company and was trying to get in touch with their attorney and could not get any help. Finally, they mailed me a letter stating the total amount which included lawyer's fees! I also believe they have included my months of missed payments prior to initiating the paperwork in 2009--you know, the months I missed so I could qualify for help! The attorney's people had promised me that I would get an amount the first week of March and then "it was mailed out on Friday, March 11." I actually received it on the 16th and it was dated March 14. It said the amount was only accurate until the 18th! The amount was twice the amount as before!

Throughout this whole fiasco, I have never spoken to the same person twice at Suntrust Mortgage. I have been trying to do the right thing for two and a half years and gotten nothing but scammed the entire time. As it is, my credit report shows me 120 days late every month since March 2009. It shows no sign of a modification or any of the payments I made for the last two years. I am livid! I feel helpless but I have spoken to a lawyer of my own and I am getting my documents together. These people should all go to jail for this kind of **!

I have been trying to work with my mortgage company to catch up on 2 payments. I have done everything they have requested I do and I have paid every time they've asked. They are sending back portions of my payments with no explanation as to where the remaining moneys went? They gave me a forbearance and I cooperated fully and made the payments but then they mailed me a letter stating they were holding the moneys sent in a holding fund because they can't apply it since it wasn't part of a "payback plan".

What was the forbearance then? They have now thrown us into foreclosure and have an auction sale date of June 3, 2011. I have requested a reinstatement amount since March 7, 2011 and have called both the mortgage company Suntrust and their lawyers Crabtree and Olsen who automatically sent me to Northwest Trustee Services,Inc.

I have spoken with both & both say they can't give me an exact amount. Suntrust says I have to talk to Trustee services. Winston ** from N.W. Trustee says that he has requested the reinstatement amount from Suntrust since the 7th and has had no response. I call every few days but got no where.

Yesterday a man in a blue Prius was sitting outside my house with a video camera recording us. He gets out, comes to my front door and asks if Sean ** lives here and if I'm his wife. I said yes and he started taking photos. My 4 kids were all outside. I asked what he was doing and he said he's a private investigator hired by the mortgage company!

This is crazy! I have mailed them 3 letters requesting where the money I have mailed them went and what months do they have me as being behind? Never any response. They now want to just sell my house! I am willing to pay the amount to reinstate our loan so that my family and 4 small children wouldn't be homeless. I have read all the complaints towards Suntrust and I can't believe they can continue to get away with this!

The American people have rights too and should not be ignored! Suntrust needs to have a suit filed against them for improper business. They are stealing from all of us and ruining our credit and our lives!

We are going to lose our house because they are playing games!

In the summer of 2009, we had come upon some difficult times financially. We had considered the idea of filing for bankruptcy. Though we had retained a lawyer, we eventually changed our minds and decided to pay off our bills. As such, we had no credit cards or savings to fall back on when our transmission went out of our 2004 Ford f150. We owed more than the vehicle was worth, so selling it was not an option.

We request a forbearance from Sun Trust Mortgage on our monthly mortgage payment for a two month period in order to pay for the repairs. We thought they had agreed to this. We missed the payments and made the repairs. Since that time they tell us, they never approved the forbearance and that we owe them nearly $4000. We have been trying to fix the situation with them for almost 2 years now. They send notices in the mail and send a man to our house to take pictures. We call them and they tell us some one from loss mitigation will call us back in 7 to 10 days, but no one ever calls back. We have probably been told this same thing 10 to 15 times. We are unable to get any loan of any kind.

All of the banks we have been rejected by have said this issue with our mortgage company was the reason why. Sun Trust applies our current payments back to 2009, and reports to the credit agencies that we our 3 months late with our payments, even though we have not missed a payment since summer of 2009. They have asked us to send pay stubs and fill out applications for loan modification. We have done this on more than one occasion, and again, no response from them. We call Sun Trust to make sure they got the info. They tell us yes and that "someone will get back to us in 7 to 10 business days". No one ever does.

Suntrust Mortgage, foreclosed on my home and sold it at the courthouse steps. Fannie Mae bought it. 7 months later, they were forced to return the house to me due to an illegal foreclosure. I now have a trashed house that has many fines due to the yard being 5 feet high. Fannie Mae passed the buck to Suntrust, even though they were in control of the home. I am looking for a lawsuit to take this case on a contingency bases. I have had many attorneys contact me wanting $4,000 and then wanting to put me at the top of their group suite. I will only deal with a law firm on a contingency bases. I have been told by everyone, even Suntrust employees, that they have never seen the courts give a home back to the borrower after it is sold at the courthouse steps.

My story is much the same as those below. I tried to refinance my mortgage 2 years ago. Essentially, I wanted to extend the remaining term from 7 years to 15 to reduce payments. I was told to go into a re-modification program and started a 3 month trial program in Jan 2010. I was told if we made these three monthly payments on time, the new mortgage agreement would be in affect. Now, a year later, I'm still doing the trial payments and can't get any resolution. I have been asked to resend information countless times. I call almost every week and get a different story every time. My credit rating has been trashed down to 450 because Suntrust reports to the credit agencies I haven't paid my mortgage in a year despite having made all the trial payments properly.

I am now getting served with foreclosure notices and statements are showing I owe $14K in back payments (the difference between the old payments and the trial payments). I am getting hit with over $100/mo in late payment charges. It is impossible to get a hold of anyone at Suntust other than the call center. And they just kick the can down the road with another story or request the same information over and over again. Welcome to 2 years of absolute hell. I can't believe they can continue to get away with this. I am totally frustrated and feel like there is no where to turn.

After calling SunTrust several times speaking to a different person every time, and never able to speak to the Chief Loan Officer, who was handling our case. We got frustrated so we called an attorney. The attorney advised us to write our Senator because there was nothing he could do to help us. Our Senator's office stated they have no jurisdiction over the mortgage company and we should check out the Neighborhood Housing Systems. After filling out all the paperwork again turning it in to the NHS we were called with an appointment on February 23, 2011, only to find out again, there is nothing anyone can or will do to help us. SunTrust has the right to not accept my unemployment as income, they have the right to lie to us and drag out the "mortification" for a year and half. They also have the right to not work with us and take our home. Oh and also make us pay all taxes on the property after they sell our home because it is consider as income to us. And there is nothing we can do to stop any of it.

The laws do not protect the America citizen. They are made to pad the mortgage company's pocket, because they are the ones who supply our wonderful government with all their campaign money. And because they do that, the American homeowner's grief falls on deaf ears and blind eyes to what the mortgage company does. Is this a game of "I scratch your back, you scratch mine"? ** the American citizen; make the big mortgage company bigger, and wealthier, and to ** with the people that actually keeps this country turning.

We have complied in every way with SunTrust and have done everything they have requested. We do not want to lose our home, but do not know what way to turn. We were told we have about 6 to 8 months before SunTrust kicks us out of our home and sells it. I do not understand how our government can allow this type of actions to go on. Really great plan you cooked up Mr. Obama! We are just your average, hard working, blue collar, American citizen who is fighting to stay alive in today's economy.

I am a single mom and home with my children for 7 years. When my marriage ended, I was left with limited ability to earn a good living. I felt it was necessary to apply for a loan modification.

I was told by the Loss Mitigation department of SunTrust Mortgage that I can qualify for loan modification unless I missed 2 months of payments. I would never have risked the roof over my children's head if I was not advised by my mortgage company to do so. I would have sacrificed telephone, TV, and many other expenses before my mortgage. Reluctantly, I did miss those 2 payments due to the loss of income.

I applied for loan modification with SunTrust Mortgage and received temporary approval dated and signed October 1, 2010. I was given a new payment of $1,443.82 which was only $100 less than my original payment. I signed the agreement and sent it back to SunTrust with my hard check payment that they cashed on October 6, 2010.

I scheduled payment in September 2010 to pay back the 2 months of missed payments and I was told that I did not need to pay that amount because they would tack it onto the back of the loan. Based on this direction, I cancelled my payment that would bring my loan current.

I have been paying the $1443.82 since October 2010 on time and those checks have been received and cashed by Sun Trust Mortgage. I received notification last Friday that my home is now under foreclosure. I contacted SunTrust Mortgage and they said that I was not paying the full amount of my loan and that I was delinquent and they would not accept my money. This is the same money they have been accepting and depositing each month since October 2010. They claimed to have sent a check on February 17, 2011 which I have not received. I have been paying the amount agreed on time based on the paperwork signed on October 1, 2010.

I asked Sun Trust Mortgage on Friday what was the amount that would bring my loan current. They refused to give me that number. They told me that I needed to contact their attorney (Castle *********** *** *** ****). I contacted the attorney 4 times on Friday and left messages. I have not received any calls back.

I am not trying to get away with anything. I will make my loan current, but the legal fees, late fees and ultimately the foreclosure is wrong and this behavior is criminal. I really could use your help. Thanks

To all victims of SunTrust, we are on the same boat. I consulted a lawyer about my case. His first reaction was saying, "This is a definitely scam." He recommended that I report this to the FBI's website. On the FBI website, there's a link on how to deal with finance crime. I just reported my case on the website (www.**); besides, the Credit Bureau suggested to me to report to the http://**. We have to unite. Please, report your case to the government regulators.

SunTrust is ** me good! I filed all my modification paperwork with SunTrust in December 2009. I was approved in January 2009 and was told that my modification would begin in March. I was told not to pay February! I called three times to make sure. I paid my modification every month by the first and finished my trial payments in June.

In the middle of June, I was told to continue to make my modified payments of $935.60 as I was during the trail period. (Let me preface by saying that my payments were $1,869.00 a month prior to the modification (46% of my income) and I had never been late since the purchase of my home in 2007). I called every week to get an answer from them if I was approved. I received all my paperwork back saying that my trail was executed fully and complete, yet they had not rendered a decision. I am still calling every week to be told the same thing--call back next week.

Fast forward to November 25th. I make my December payment to SunTrust and a day later, I receive a letter saying that my loan has been sold to Nationstar! I called immediately and was assured repeatedly that Nationstar will continue the modification process and will abide by the terms and conditions we had now! Well, what a load of **.

When SunTrust sold my loan, they decided to be sneaky and fraudulent. SunTrust decided to add up all my payments since March at the trial amount and subtract them from what my normal payments were. Of course, I was paying half, so when they were all said and done in paying my months off, I showed that I hadn't paid since May and owed since June! They then sent letters to all three credit bureaus saying that I was delinquent on my mortgage since June 1st and owed $11,000.00!

My credit score which was about 800, dropped down to 600! Zero credit and creditors wanting to cancel cards on me with zero balance. Of course, I immediately called SunTrust to ask what the ** was going on. They told me that they couldn't do anything because they no longer owned my loan. Only Nationstar can call them to access my file. It did not make any sense. It's my credit score, my file and their loan--nothing to do with Nationstar.

After an hour on the phone with two different supervisors who agreed that it should not have happened, they told me that there was nothing they could do! How is this possible? How is this fair? What is my recourse? Pretty much nothing. I did, however, find a class action law suit out of Ohio that is addressing these very issues and attached my name.

Apparently, SunTrust does this as common practice in order to dump underwater homes that they fear will yield a possible foreclosure or no gain. Mind you, I never missed a payment and they put me in the trial period. My home has dropped from $230,000 to $102,000 in three and a half years. I guess that must have been enough for them, so they made it look like my loan was in trouble sold it to Nationstar. Wow!

I am a week and a half into this mess and no one will call me back or help! I can't afford an attorney and have limited resources. Now, Nationstar wants me to take out more hazard insurance on my home in the amount of the mortgage. However, my insurance will only cover the replacement cost of my home. Nationstar says that I am in breach of my mortgage if I don't carry their hazard Insurance. What a scam. If it costs $100,000 to rebuild, then why do I need more insurance? Another joke and another scam.

Okay, here's my horror story about Suntrust Mortgage out of North Carolina. First off, I'd like everybody to realize our situation is probably different than most folks applying for a mortgage. Secondly, we understood in advance, this time around, the rules have changed and banks are going to be more suspicious of new applications and are going to make you jump through a million hoops.

That being said, our nightmare started around October 20th of 2010. We own three homes. One is a rental in central Florida and another is our vacation house also in central Florida that is now for sale, and we currently live in northern Illinois. Like I said, our situation is different than most folks. I am not going to feel guilty about owning several homes. We've worked our ** off for over 40 years.

So, we got "pre-approved" pretty fast within a couple of days. By October 28th, we got a "Congratulations" email saying we've been pre-approved. We were looking around the Atlanta area for our final retirement spot. At first, things went very smooth. I don't work anymore and was able to fax or email information very fast back to our first contact, Laura. We had now found a house, put an offer in on it, and were accepted. Our closing date was to be December 3rd, 2010.

As long as she was asking for information, the emails went fast, but when I had questions, she was slow to respond. This eventually got much worse as the process continued. So, we had around 3 weeks left until closing the process will be gone to the underwriters. She wasn't sure when, but thought the December 3rd date was still fine. Meanwhile, it seemed like every few days or once a week, they were still asking for more information and more forms on "Why are we buying a house in Georgia", "Explanations needed of amounts over $500 from the past three months of bank statements", etc. I now get an email saying that since we already own a home in Florida, Suntrust/Fanny Mae won't consider this a vacation or second home so the interest rate went from 3.5 (a great rate) to now being considered an investment property with a 3.75% interest rate. It is still a great rate.

So, with two weeks left, we heard it finally is going to the underwriters, and now, we also are dealing with a new person out of Atlanta. She was the worst. She wouldn't answer her phone and wouldn't respond to emails. We noticed on the bottom of some of the previous letters that there was another person's name, who, by the way, eliminated her own email address and put a bogus phone number with the last four digits being 0000. It is funny that all Suntrust employees use first name.last name@suntrust.com, so it was easy to email her. Again, she wouldn't respond either.

Both my wife and I have been in customer related service type jobs and we're just astounded at the lack of professionalism with everybody involved at Suntrust. So, within the next two weeks of supposedly being at the underwriters, they ask for more documentation. By now, we are really getting stressed out. At no point in this entire process did anybody ever update us. Never. Unless we asked or bugged them, we never got any updates.

So, here we are on the week of closing. The owners of the house in Georgia have moved out. We bought my wife a plane ticket to fly down on Friday the 3rd. I have booked a hotel since I am driving down with my dog and a trailer. I get down to Nashville and get an email, not even a phone call, saying "Robb and Barb, I am so sorry but we cannot meet the closing date. We just found out that we don't have the jurisdiction to write a contract in Georgia." What? I pulled over, called her, and of course, she wouldn't answer her phone.

I told my wife, "I'm done talking to these idiots. It's up to you if you still want to use Suntrust." Suntrust now says that it's going to their Exception Department. They are going to see if they will accept the rule of being an investment property but this could take at least three days. Nobody could give us an exact time frame. Meanwhile, the owners are thinking that we're trying to get out of the deal. So, during the next two days, thanks to the selling realtor, she put us in contact with Mike out of Primary Capital Mortgage in Atlanta. He had us at closing in 8 days. 8 days.

We used Suntrust initially because our home in Florida is mortgage through them and that process went very smooth. Never again. Keep in mind; this was a 250k house with us putting 100k down. The house was appraised at 255k. It wasn't that complicated of a process to figure out, except Suntrust couldn't get it right after 7 weeks. Unbelievable.

Flood insurance Fraud! I have a condo mortgage with Suntrust. I have provided copies of insurance and flood insurance-including the condo associations insurance. Several times over a period of three months. Each time they said "oh, ok your are in good standing, don't worry we won't "force place" this (expensive) insurance on your account" Then a week or two later I get a letter saying I need to get them insurance. Back on the phone I go and again I get someone who says "don't worry its fine". They just charged my account $3,225.00 for some flood insurance.

I am a mortgage professional with over 12 years experience. I know how to get the proper insurance documents to a lender. I also know when a lender is purposely "accidentally" charging this expensive insurance on my account. I am sure that this same sham is being done to many other customers who are not as persistent in getting these ** charges removed. It's exhausting for me; imagine how it is for some older people who don't really understand what is going on!

My husband and I financed our house through our local Suntrust Bank in Blufton ,SC. Like most small banks, they sold our loan to RCS. We made full payments including the escrow. When the economy changed, they bought our loan back. RCS had our loan about 2 years. When they sold it back, RCS claimed we did not pay any money into the escrow account. Our taxes, flood and home insurance were credited on our statements and paid out on time. Our payment amount did not change. At the end of year, our tax statement it showed they were paid.

When Suntrust Mortgage bought back our loan they showed we owed 2 years worth of escrow. We showed them proof it was paid; canceled checks and bank statements. RCS says they no longer have our file, and Suntrust keeps telling us they are looking into it. Our house payment went up $1,300.00 a month for 12 months. We have been trying to get our money back from RCS for a year. It is like someone pocketed our escrow money. It can't just disappear because I will not give up until I find out what happened to it.

I lost my job on January of 2008 and even though I was not receiving any other income besides unemployment benefits, I kept on paying for the mortgage. This is not my primary home so as soon as my savings were dried out, I stopped paying the mortgage. I decided to list my house to sell it in a short sale. My realtor immediately found a buyer and the negotiations started. The bank did a BPO and came back with an astronomical amount which was impossible since houses in the area were selling for much less. After almost a year going back and forward, the buyer did not accept the offer so I decided to do a deed in lieu working directly with the bank.

Before this process, a foreclosure attempt was postponed but now they told me that my file was sent to the second mortgage's PMI company since September 3 and they have not made a decision as of today 12/2/2010. They have also set a foreclosure sale date for 12/16 and they are not doing anything to postpone it. There has to be something that can be done against these banks that are preying on their own clients. They put all of these programs that they offer but when you apply for them, they don't want to help. I had an agent tell me that "he had never seen a deed in lieu approved". This caused a great deal of concern since the attorney for the bank told me that the bank is the only one that can order them to postpone the sale date.

Suntrust Mortgage Monsters Strike Again; Fannie Mae is Their Leader

The Re-modification Program that is offered to help out thousands, if not more homeowners in this time of uncertainty, has really hit home for a lot of us lately. I foresee this just getting worse in the months to come. We are currently without a home due to the unforeseen sneaky and deceptive business practices that they use on a daily basis to screw over the homeowner that is just trying to stay afloat during these hard times.

The endless lies spouted out by their various departments is just horrible. Lie after lie, from just go behind to get started in this program to reduce your mortgage payment to the just disregard those Sheriff and foreclosure notices that you receive in the mail and everything in between including the your paperwork is in processing and finally, the 5-10 minute voicemail greeting to apply for a reinstatement amount which they never respond to or they do respond after it's too late to get them the funds.

I never thought it would happen to us. We were just trying to be loyal to our mortgage company and try to get ahead. They contacted us and explained the basics of the remod. and I thought it could only help us. I was unemployed and my husband had a good job at the time but you never know. Let's apply to see if it lowers our payment. I didn't fall for those fly-by-night offers that came in the mail. Suntrust was our mortgage company already. So what could be so wrong about that?

We started this process in July of 2008. This is when I was told by Suntrust that if we went behind in our mortgage; (we were current at the time) that we could enter into the re-modification program and lower our monthly payments. I went through months of the paperwork process and phone calls back and forth. They had refused my mortgage payments during this process. I would call to make the payments and they never took the money out of my account. I had called to get caught up with the mortgage a few times but their process to get you the reinstatement amount is atrocious.

This was all to no avail. I even went to make all the non-stop calls through to find out the reinstatement amount. This was some long-drawn out 5 minute message that you had to listen to at their attorney's office then leave your information on the machine. The recording stated that they'd get back to you within two weeks or so. I never got return calls from them. Every day, I'd call again and leave another message with all of my information. If I was lucky to get someone on the phone, they would start the transfer game with me. Transferring me to various departments but never getting anywhere except sometimes back to where I began. I started to wonder if this was all a game for the employees.

Two days after the Sheriff's sale, I received a written letter with the reinstatement amount but the calls I made after that to any number I could find including the one on that paper, would only be more machine messages to the law firm. When I finally got a hold of someone in a different department, they informed me that they never received our re-modification paperwork. This was never told to me at an earlier date. I was told it was in processing or we haven't gotten to your paperwork yet.

I never received a call back, any inclination that I was calling a number that no one bothered to review or forward on the messages to the proper dept. or party. They just don't care. Not their problem. Yet, we are the bad people, for trying to help ourselves a bit to try and follow the system and make the calls, leave messages, and are only left to wait; wait until they evict you.

Now, the paperwork trail gets stranger. In talking with various different people at Suntrust and Fannie Mae, we have been informed that our last payment was in July of 2008, but our bank records show an odd amount payment to Suntrust in December of '08. Of course, no one else has any record of it. It wasn't applied anywhere that can be traced at this time. It shows up as a mortgage payment to Suntrust in my bank statement, though.

Will the lies ever end? Paperwork mishandling, not recording funds received, horrible note taking on their part (mine as well) and in the end, they don't have their beds sitting in some storage unit somewhere while I am sleeping on a relative's couch with my husband and my son on a futon next to us. Here we are, staying with family in Oct. 2010. This is how long that they draw out the process. Maybe it has something to do with the statute of limitations running out at a certain point? It makes you wonder.

We have contacted various gov. depts., lawyers and other businesses that claim to help homeowners and it hasn't gotten us very far yet. We are still plotting away, trying to figure out where we went wrong; how we could be blindsided, ignored, bullied and driven to have lost our home. The movers/clean-up crews that they send in when they change the locks on you should be reprimanded for their part in this whole issue. We have noticed that thousands of dollars worth of our belongings are missing including my son's aquariums and his fish. We have contacted various attorneys on this issue. They all seem to say the same thing. Tough luck. Suck it up and we won't waste our time and resources on trying to recoup your losses.

Even things that were specifically discussed with the movers are missing. They blow it off as a judgment call and these are suppose to be bonded-licensed movers. Guess that doesn't mean much to anyone either. Maybe that means they are legally allowed to just get rid of our stuff on a whim. At this point with what we have and are going through, I'm ready to scream the next time someone tells me you should have. You could have but your time to legally do anything is up. I could just scream with all these worthless comments at this point.

I want to see some action; action done against these corporations that just ruin thousands of people's lives at the drop of a hat. While our government sits back and hands them big fat grant checks and bailouts for doing this to us. Don't even get me started on trying to get the house back from Fannie Mae, that's been a whole other can of worms that I could write about for hours. It's just crazy.

My story isn't much different than most of these people. When my income was cut by 60%, Suntrust gave me a temporary forbearance. Then they said I didn't qualify for a modification after having me send tons of documents over and over again. The right hand never knew what the left hand was doing. Sometimes, they would tell me I was approved and the FedEx package was on it's way to me. It would never show up, so I would call back and talk to yet another rep who would tell me exactly what I wanted to hear. Nothing was ever resolved.

Now I am going to auction 15 days before Christmas. Merry Christmas to us, right? I can't wait for all of this to catch up to these banks, namely Suntrust and I understand that Chase is equally as bad! I would love to get in on a class action law suit with a ton of other people. I really don't understand why our government is not making this madness stop. After we all lose our homes, with our children, they will be stopped.

We have been paying reduced payments for trial period that lasts for almost 2 years. Like all other victims of Suntrust, we are under impression that the lender has tried to lure us to continue paying as long as possible. So in the end, the result is that we eventually will lose our home. Our hopeless situation grows much hopeless than ever. Messy, messy and seemingly fraudulent. Those are all what I think about Suntrust. All of us are in the same boat, victims of a mortgage mess in the hand of so many distrustful lenders .

We are in a fourth month of our first mortgage ever. We have set up an accelerated mortgage payment option that has been paid consistently to Suntrust. However, we have received five letters to date stating otherwise. We called the customer service folks and when they look in their database they too see that our account is current and in good standings. In fact we've added $100 more per month to pay the mortgage off even faster.

Well today no letter came but we did get an automated voice mail stating that your mortgage is behind and you are in foreclosure! We are extremely disappointed with Suntrust Mortgage! So much for going over and beyond the monthly mortgage required amount. There is a disconnect somewhere and this whole situation has us very upset. Strongly advise against doing business with these guys.

On Jan 2009, I got a call from Suntrust Mortgage asking if I wanted to apply to be in the Loan modification program. I said yes. I never heard from anyone. Never got paperwork. Never thought another thing of it until September 2010 when I did not receive my normal monthly statement. I called and was told I was in loss mitigation. I asked why haven't I heard from anyone. I was told I would never hear from anyone. On October 2010, did not receive monthly statement. I called Suntrust mortgage again. I was told they would take me off at my request. Second time, never happened.

Today November 19th, I called again because I never got a monthly statement. I was told again that I would be taken off and she did not see where I ever requested to be this before. What? I have no idea who to talk to about this. I have read the horror stories about Suntrust and I do not want this to happen to me. Please advise me on what to do and who to talk to.

It started when I first sought to refinance my mortgage when the interest rates dropped. SunTrust decided that the value of the home dropped too much to do a refinance, so I told to try a loan modification. Anyways, my income was shortened and I ended up qualifying for a modification months later. Anyways, they never sent the documents and refused to send them "again". Anyways, to make a long story short, after calling them week after week, a year later, I'm told I now make too much money to have my interest rate lowered, despite the fact that my income fluctuates as normal. Now all of a sudden, my loan is being sold to a different company NationStar Mortgage LLC. Basically, they are passing on their negligence onto some other company.

I recently sold my home, originally had financed with local bank but they sold it to SunTrust mortgage. When arranging for payoff of the mortgage, as is usual when selling a house, we paid 10 days' worth of interest beyond the closing date in order to allow for some delay in the buyer's attorney mailing the payoff funds to SunTrust. My attorney and buyer's attorney agreed that the bank would then refund any overpaid interest after payment received. I confirmed that the payment was received by SunTrust before 10 days after closing, but they then refused to refund the additional interest, saying that they were not obligated to do this.

My wife was laid off from her job three months ago. I contacted SunTrust Mortgage to let them know that I could not make the payments because I was paying for all the bills. My wife was not even getting unemployment insurance due to some technicality. Anyway, I continued to contact the Loss Mitigation Department about every couple of weeks. They kept telling me an investigator was assigned and I should hear something soon. Now, three months have passed and they still have done nothing to help us save the home. My 401K plan tells me that I can get the money out to pay the past due amounts, but I'm afraid that if they send a foreclosure letter, that we will be required to pay the balance left on the mortgage. I just feel like they want us to foreclose and are not willing to help. Any advice? Anyone willing to give me a loan for $2,000 until March 2011?

I am behind one month with our equity at SunTrust. We have a mortgage a credit card, an equity and a checking account all with SunTrust. I paid my household bills with my debit card yesterday, leaving only $100 in checking account. SunTrust is pending all my transactions yesterday, showing $500 in the negative because they just went right into my checking and stole the $570 equity, causing what looks like a 36.00 X 5 in fees. And they are telling me this morning that they may or may not pay these.

My pendings were already pending before they went in the account, so they just kicked mine out of the way to get that $570. Last month they sent me a letter saying I'm behind a month and they wanted it paid by the 12th. Well, they took it from the account on the 8th and told us it was because of the holiday. Well, they took it on the 8th again this month (no holiday). To me this is stealing and should be addressed. Mind you, I've been laid off over a year now and we have been behind in the mortgage and the credit card and neither of those departments has entered the checking account. I'm stressed babysitting this account

1) Back in May 2009, I started going through a loan modification, by September, I was approved for a trial period of 3 months where my payment was lowered 200.00. This 3 month period stretched out until April 2010. No biggy right. Wrong, I never missed a payment, yet, it shows on my credit report that I am over 30 days late on several payments. Suntrust fails to tell you that payments that you are making are being placed in a separate escrow account.

2) After I was approved in April 2010, my payments where reduced another 100.00 (I have the documents saying I was approved with the break down of interest over the next several years.) At this point I think all is good.

3) I received a letter on 10/15/2010, stating that my modification has been denied and that I am now delinquent. When I called they said I didn't send in all the paper work required. I have done nothing but jump through hoops for these people. I have sent them documents over and over. When speaking to someone at Suntrust (another problem you never get the same person twice.) They told me that it was noted that I did not send all the paper work requested. Yet a previous person told me my file reads that I called to verify documents getting received.

Anyway, I reported it to the BBB now I am talking with one person. I thought this would be better, again I was wrong. On 11/06/10, I received another letter stating that my mortgage was going up another 23.00 because my escrow is low. Big problem, I have been sending them in escrow (which was going in the other escrow account.

Now I owe 1500.00 more then I owed in 1/1/2010 because they paid my taxes. They took the rest. I am ready to walk. I owe 108.000 but it isn't worth 45,000.00.

We've gone through the loan modification process twice. Each time, we got the ever standard SunTrust answer "no". When asked why, we got this: "Well, we had no intentions of granting a loan modification. However, we would be willing to let you miss one (1) mortgage payment and that would have to be made up at a later time with a substantial penalty." We even attended a mortgage "help" seminar where the rep from Suntrust was as helpful as a person could be. He worked out of a Florida office and had no idea about California mortgage guidelines. He was worthless.

We waited from 8:30 a.m. to 3:00 p.m. when we were finally seen. He looked at our papers, typed in something on his computer, looked at the screen for a few minutes then announced to us and everyone within ear shot that there was nothing that could be done. Apparently, the company that insures our mortgage through Suntrust has a "cap" on our mortgage. When I asked for this company's name and address, I was told that I would have to write directly to Suntrust and formally request this information. Hang in there. This gets better! I did write a very nice letter on 9-22-10 requesting the name and address of the insurer on our mortgage. It is now 10-18-10 and nothing. However, I have received 6 certified notices that we are in foreclosure.

I have had a loan with Suntrust for around two years. I never paid late until May of this year. I lost my job and joined the millions of people in our economic struggle. I contacted Suntrust immediately and let them know I did not have a job and asked if there was anything that they could do for me. They directed me to their Loss and Mitigation Dept., where I was told that they would review my loan for modification. By this time, I was behind two months. They offered me a 90 day no-pay forbearance.

As a single mother and no other source of income, I was relieved and sought eagerly to find employment. At the end of the forbearance, I was able to gain employment but at only 1/3 of what I was making prior. Underemployed! Not to mention, I had someone close to me steal more than $10,000 of my savings, so no money to tide me over.

I made a full payment post my forbearance and my check was sent back to me. When I called in to find out why, I was told I would need to make a payment of $7,200 and that is why my check was being sent back! To my surprise, they expected the money during my forbearance period as well as my two months I was already behind. I tried frantically to refinance my vehicle and rid myself of all debt possible due to my mortgage now being 50% of my monthly income.

No bank would touch me due to what was being reported on my credit report. So I got copies and saw that Suntrust was showing me 5 months behind. I sold my car and bought another for $500 just to be able to get myself to and from work because at this point, I had no options. I continued to make full payments and every month, my check was returned to me and I would have to call in and ask why they were not accepting my payment. They said that their collections department and their loss and mitigation department are separate and do not communicate. I was instructed to continue to make my payments while they continue to review my loan for modification.

I continued to call every month and was told things like, "well the person over your file just got married and is on vacation, so you will have to wait until she gets back", "there are thousands of people trying to get a modification right now and sometimes it takes a while" or "just continue to make your payments and call in to check on status". I received a notice last week that they are going to start the foreclosure process on my home.

When I called in distraught, stating I have been calling and paying and had mentioned every time I called that I was trying to prevent this from happening. Why are they doing this? I was told that they cannot do anything about the foreclosure until I am given a date of possession. I was never at any point notified that the forbearance would reflect on my credit - I was never informed (nor by an associate or by writing) that the payment would be expected in full for that time of forbearance once it had ended.

I have rid our home of all expenses. We don't even have TV because I can't afford to go buy a digital box. I am behind in all of my utility bills because I am using everything that I am getting to pay my Mtg. It has been 6 months that my loan has been in modification and now I have to worry about my children and I becoming homeless. I have no family to help. I am trying to find a second job but even those are in high demand right now and I have found nothing. I am in total disgust of this company. Even more so that our government spent billions of dollars to help save these institutions so that they could slowly strip those hard working Americans of their money and homes. I am trying everything in my power to save my home and they are standing by watching, claiming that they are doing what they can. What kind of world do we live in now?

On February 12, 2009, I was laid off, and began to have medical expenses beyond my control. I applied for a loan modification from Suntrust Mortgage and applied with all the appropriate paperwork and loan payments, and I requested for it to begin on September 1, 2009. During that time, I did secure employment and provided appropriate pay stubs to Suntrust. They provided a trial period with a reduced rate of my mortgage, and I keep calling to inquire about the loan modification status since I was also receiving collection's notices from them.

The Suntrust agents informed that Loan Modification and Collections were two different departments, that did not coordinate their efforts, so ignore the Collections, since I was current on my payments. I submitted my financial information (tax forms, pay stubs) in January 2010, and again in July 2010, at the end of a Forbearance Agreement time period. No rep from Suntrust contacted me to discuss my case in detail.

As I finally learned yesterday (Sept 14, 2010), I was never eligible for a loan modification, due to my salary to mortgage ratio below 31% (of my gross income). It took Suntrust over 12 months to tell me this, and now I have to revert back to my previous loan, which was 6.125% ,and need to repay over $10,000 in back mortgage payments they had authorized me not to pay.

The thing that really bothers me is that, their delay in responding has now negatively impacted my credit score (which had I been notified I was not eligible, would have paid up to ensure that did not happen). When Stephanie called me and reviewed my latest information, she even had the gall to lecture me that because I received a 5% merit increase, effective September 3, 2010, and others in the world have had no increase, I should not complain.

She was willing to review and correct my "late payment" reported on my credit report, although I was never late for any scheduled payment during the trial period or during the Forbearance Agreement time. I have no way of rescuing this from the hands of Suntrust as I tried. I need advice as to who can help challenge their operations and negative actions, regarding the time it took to review and reply to my loan modification request.

In 2007 I had refinanced my house, and decided not to leverage the equity of $80,000 that was offered to me by my mortgage broker. In fact I spent my own savings to upgrade my kitchen. Based upon my prudent financial actions, I felt I was a good candidate for a possible modification. The company states on their 2009 10K statement that they are concerned with the negative PR. This is their primary focus "negative public opinion could also affect our credit ratings, which are important to accessing unsecured wholesale borrowings. Significant changes in those ratings could change the cost and availability of these sources of funding" (page 27).

My financial record is now completely ruined solely because they leveraged the time loan modifications took to process and it has destroyed me emotionally since I gained nothing, and am back in an underwater mortgage, at a high interest rate. Is there any way a class action suit that can be filed against institutions who recklessly ruin credit unintentionally, or by pure ignorance?

Immediately after our call on September 14, 2010, I got an email from one of my two credit cards, that due to negative late payments they were reducing my revolving limit from $12,000 to $2,000. I have late listed on my credit report, and they took that action in response.

We refinanced our home with Suntrust in June of 2009. Shortly thereafter, we noticed our statements were not correct. I personally called Suntrust at least twice a month for 14 months to get this figured out. I was informed by Suntrust that they themselves had made a mistake on our escrow account and raised our payment a full year early. This fact was not revealed to us until our home had been turned over to foreclosure. Suntrust will no longer speak with us. They have returned several payments and now are no longer accepting payments from us. Suntrust has set a foreclosure date of sale on our home because of their own admitted mistake. How does one person fight for his home against a huge cooperate business even after they have admitted their own mistake? Loss of my home, putting my three children, my wife and myself without a place to live. Not to mention the thousands of dollars that I have lost because of Suntrust and the terrible effect Suntrust has done to our credit.

I had an interest-only mortgage with SunTrust, and this was a wise decision I made due to interest rates being 6.625%. 2 years later, I refinanced with SunTrust at 4.625% with a standard principle and interest mortgage. My loan finally closed four months later, and I demanded my processing fee to be refunded, which was another five months later.

I learned almost a year later, SunTrust reported me 30 days late on my mortgage payment. There is no possible way this was correct, and I just got my dispute results. They said they were right with absolutely no corroborating information. The ding on my credit report is dated three months after the new loan was established.

I was not surprised to find so many complaints about SunTrust Mortgage. I made two attempts to get a modified mortgage while we were still current on everything, and maintain our good reputation of always paying our bills. I filled out their paper work, offer copies of our budget, etc. I explained that my husband has terminal cancer and I was trying to cut back on expenses in order to pay medical bills and so forth. I really thought SunTrust would appreciate the fact that we have been good customers and would work with us. I, too, was denied.

So now, I have had to quit my job in order to stay home and take care of him. I will continue to do my best to keep up the bills and cut wherever possible. Since being a sincere, responsible person doesn't count for much, I suppose at some point I just have to let the bank have the house. If I could refinance with another company, I would dump SunTrust in a heartbeat but I don't think our income would measure up now, and we may owe more than it is worth, given the market today. I am thankful to have had a opportunity to bad mouth them along with so many others.

In Feb.'09, due to my medical unseen conditions, we had to file for a home modification through my lender Suntrust, who was not my original lender. On Aug.17-09, we made our first payment on our 6 month trial period. On Feb. 25, 2010, we received approval of modification from Suntrust, The Home Affordable Modification. We comply with all of their terms and made all payments one time for 6 months trial period.

We sign and pay to notarized the modification and returned it to Suntrust on April 1, 2010. We continue to make the trial period payments. We did not missed any payments and no late payments. On June 28, 2010, we received another package from Suntrust, congratulating us on being eligible for their modification. The whole process was starting over again but with different payment than we had agreed back on Aug. 17, 2009 and from what we sign and returned on April 1, 2010. We were grateful to Suntrust for giving us a chance to get back on our feet and keep our home. But the way that they do not seem to have their act together is stressing us out big time.

I applied for the Home Affordable Modification Program (HAMP) on 12/2/2009. When I called to check on the status of my application in January, they had no record of it. When I gave them the FedEx tracking number, they eventually found my application. Clearly this was the first time anyone had even looked at it.

Over the next several months I got into the habit of calling at least once a week to ask if they needed any additional information to process my application. I spoke to a different customer service representative each time and was never allowed to speak to the person processing my application. I sent dozens of faxes documenting my income, etc. often over and over again as they claimed they were never received. Finally, in March I received a Trial Payment offer of approximately $1400 per month. I was thrilled and wanted to accept this offer, however it required that I sign documents that incorrectly stated my income as being $1000/month more than I actually receive.

As much as I wanted the offer, to sign it would be dishonest and fraudulent. So I called them and asked that they correct this so I could accept the offer. A week later I received another Trial Payment offer with the higher payment of approximately $1900 per month but with the same overstatement of my income. When I called to find out why, I was told that the first offer was principal and interest only (although the contract clearly stated otherwise) and that Federal Law required that they gross up my income. They threatened that if I didn't sign and return this document, my application would be refused and I would be facing foreclosure. It seemed that I either had to sign fraudulent income documents or face foreclosure!

I went to the Federal HUD website to research this grossing up regulation and found a contact for assistance with these matters 1-888-995-HOPE. When I called, the representative told me that there is in fact a guideline about grossing up income, however it did not apply to my taxable alimony income. The representative checked with his superiors and determined that by grossing up my income, SunTrust was not in compliance with the regulation.

Over the next several weeks the HOPE representative and I made 3-way conference calls to SunTrust twice a week. We wanted to inform them of this discrepancy and ask how this could be resolved. Every time we called, we got a different answer. One lady agreed with us and said she noted it in the file. Another said that she was referring it to their escalation team and someone would call me back before the next day. No one did. Another lady even yelled at me saying that they were right to gross up my income because I don't work for it! She said that I'd "better sign those papers or it's over.

Finally in May, I received a FedEx from SunTrust with a cover letter saying that I didn't qualify for HAMP program, but that I qualified for another program. The package increased my final modification documents and a reasonable payment. I signed the contract, had it notarized, included my first payment and an application to be put on automatic debit payments going forward. Over the next several weeks I called to make sure that they had everything that they needed and to find out when the automatic withdrawals would begin. I was told repeatedly that this was in fact, a done deal and that it would just take time before I received my payment coupon book and automatic payment withdrawals. I sent the June and July payments "return receipt requested" just to be on the safe side.

Suddenly, on July 20, I received a FedEx from SunTrust with another modification contract but with a payment that was $800 higher than the one I was currently paying. When I called to find out what was going on, I was told that they have a new guideline that says my final modification payment cannot be more than 5% less that the $1900 payment (based on overstated income) offered to me in Trial Offe that was sent in March. By the time they added taxes and insurance, the payment would be $2300/month!

The man said that if I refused to sign this document and return it by the next day, they would escalate all of my back payments and my house would eventually be set for foreclosure. I had a contract with SunTrust and they accepted payments on this contract. How can they just breech this contract? Does the law not apply to them? They insist I must sign documents that overstate my income under the threat of foreclosure. Isn't this called extortion? Clearly this isn't right. The question is, what can I do about it?

I have had a mortgage with Sun Trust for over 5 years now. About 6 months ago, I called them to get some information on my account and a rep I was talking to informed me that they were running a promotion for auto payments. He said that if I signed up for auto payments, I would receive a $100.00 bonus. I agreed, he signed me up and I never got the bonus. I kid you not, I probably have called them about twenty times by now. Every time I call them they say that someone from the bank side will call me within 24 to 48 hours and no one ever does.

This company is a joke.I can't believe they treat people like this specially a customer who has never been late on their payments. My favorite part is when they ask me at the end of the call, "is there anything else i can help you with?" It's hilarious. I actually wrote a complain to their head quarters. I got a message on my cell phone few days later, "we wanted to inform you that we received your complain and someone from our bank side will call you within 24-48 hours." You can guess what happened after that call. Exactly. Of course, no one ever called me. I don't even care about the $100. At this point, they can keep it for all I care. I just can't believe how they treat customers.

Starting on March 1st, 2010, I participated in Home Affordable Modification Trial Period to save my home in Fort Myers, Florida 33919, for a monthly payment of $966.54. I made three consecutive payments for the month of March, April and May, as noted in loan activity web site. On May 3rd 2010, SunTrust Mortgage Inc., Richmond, Virginia sent me a Loan Modification Agreement by FedEx Express. I signed, notarized and mailed the required documents by the pre-addressed FedEx Express envelope on May 7th 2010.

Together with the agreement, I enclosed a check for $964.48 as my first payment starting June 1st, 2010. The check was deposited on May 18th 2010. I also have made my July 2010. On May 3rd 2010, SunTrust also enclosed a letter for me to sign to opt for SurePay and that I have been approved for Loan Modification, "At the receipt of your Loan Modification Agreement and Contribution. We will be completing systems changes to show that your mortgage loan is now current." That was over 2 months ago.

Since I signed and mailed the agreement on May 7th, 2010, I have not heard from SunTrust regarding this loan. I am concerned that none of my payment is credited to my loan. My mortgage balance is still at $116,524.83 even though I have made a total of 5 mortgage payments. Neither the interests nor escrow payments are being made towards my mortgage and this is after I was accepted for the Permanent Loan Modification Program and signed the agreement on May 7th 2010.

I have made many frustrating and stressful phone calls but no one seems to know when this loan modification paperwork is going to be completed, even after a period of over two months. No one seems to know when the principal, interest and escrow payments are going to be credited to my mortgage payments. On July 6th, one SunTrust personnel who took my phone call, actually told me over the phone, "It is impossible to know when the paper work is going to be completed for the Permanent Loan Modification Program." This has been going on for over two months!

Please can someone help me and complete this so that I can be back to paying my mortgage, my interests and escrows? I feel that I have been given the runaround and this loan modification program is suppose to help someone like me but it has becomes a source of stress and nightmarish situation. Six months of this is more than I can take anymore. Please help me. I cannot make any more phone calls and ended up feeling frustrated and stressed over this Loan Modification Program with SunTrust. Thanking you in advance for your help.

Hello, sir my name is betty. Please read my letter and understand my hurt. I'm a mother with a son that has autism/sever seizure}, and a daughter whom is trying to go to college. And afraid I'm going to loss my home. $780.00 is a lot in this horrible economy.

I'm writing you sir, and anyone else who can understand my circumstances at Suntrust mortgage. I have had a mortgage with Suntrust for {16yrs}. And {12 of those years, I have been divorce from the ex-husband who I had the home with. Now after {16yrs} of fighting to keep my family in our home, {Suntrust mortgage} is telling me that I qualify for an loan modification because I'm having it hard making a $780.00 on a repayment plan.

So, when I was told by Mrs. Stephanie ** in-loss litigation that I qualified because surely $780.00, in this bad economy is very stressful. And Suntrust wanted its loyal loan customers to keep their homes, and after all the signing for the loan modification, I was told by Suntrust, "I'm sorry your ex-husband is on the loan deed.I faxed over proof that in my divorce decree {the judge Raymond ** made me sole owner of the home 12yrs ago, and I had to sign a quick claim deed with my ex-husband.

Now he has another home and he refused to sign after my realtor lawyer sent him several letter and contacted him. My realtor lawyer said he doesn't have to sign. The lawyer told me Suntrust isn't given me the loan modification if I loss my home they can sell it, and if there's a balance on the home, they can hold us responsible. Also I do know in this horrible economy seeing homeowner around where I live losing their home. They file a chapter to be released from the home debt and is granted. My ex-husband also will do the same. Suntrust will lose.

I'm fighting to keep my home and Suntrust is being greedy and not giving me a loan modification, becuase of my e-husband. I don't care let him stay on the deed but give me the loan modification because I deserve it! And if I lose my home, Suntrust is telling me that, they will sell-it and come to me for a balance knowing all they had to do was help me keep my home, with a loan modification.

Suntrust, I'm hurting and you and your corporate eat and sleep well at night while little families like myself, lose their home over greed. Help a woman who is willing to fight paying her mortgage over {16yrs} didn't rollover to loss it.

In June of 2009, my then husband moved out. He was dealing with addictions that he could not maintain and I had been hurt enough to last a lifetime. At that point, we were both still contributing to the marital property. That didn't last very long; only until fall. He drugged out the divorce until November of 2009 when, after a very disturbing event for me, I was finally able to harass him into signing papers. He agreed to pay $600 per month in spousal support for one year, or until the property is sold. The house was placed on the market at the first of the year. At this point, I was already behind on a few things, but had caught up most of my bills. I paid for the majority of the divorce, plus a few other marital bills in my name, alone. No help! On December 14, 2009, I was in a car accident and totaled my vehicle. I had not had a car payment in three years, and my insurance was very low since I had this car for ten years. I was devastated and broke at this point. The accident was not my fault, and no one was seriously injured, but I was out of work for almost three weeks due to a sprained back and torn shoulder. My ex-husband offered no assistance during this time, and left me destitute and with no option but to be late on the mortgage payments.

I began a new, better job on January 5th, but did not receive my first paycheck until January 31st, so I was already at this point, two months behind on everything. As of December 15, 2009, I have been in communication with SunTrust Loss Mitigation in an attempt to salvage delinquent payments on the property. As was communicated with my ex-husband in January and February, the mortgage payment for the property would be delinquent. The $600 for spousal support was used those two months for living expenses and utilities due at the property in light of my being without pay for six weeks. In mid-March 2010, my realtor and I had found a buyer for the home and were under contract when the payment was due for March. I barely had enough for a payment at that time and was advised to hold off on the payment until we found out if the buyers were going to close. My income tax refund that was supposed to go to catching up the mortgage went to outstanding bills and late fees accrued during my absence of pay and the new car payment. The buyers backed out on the contract and I called SunTrust Loss Mitigation and explained the situation. At that point, the payments were 90 days late and SunTrust would not accept a payment unless I had accumulated all three months. I attempted to do so and called again the first week of April 2010. I had accumulated two months worth (Jan and Feb), which would have made the payments at that time only two months behind. Scott ** was laid off in March so I knew that the spousal support I had been receiving would be delayed and sporadic rather than receiving regular checks every two weeks to go toward the payments. I was receiving solid paychecks and would have had the other two payments in May, leaving me caught up.

When I called in April (twice), I was informed that I could not make a payment until I received a repayment plan package in the mail from SunTrust. At that time, the representative (Josh) told me that the property was not facing foreclosure and that I should receive the package in a matter of days to a week or so. I did not receive spousal support from my ex-husband until the end of April. I did not receive the package by the first of May and called again attempting to make a payment and to see what the hold up was. I was again told that I could not make a payment, but that the property was not in danger. I was laid off May 4 leaving me with no income other than the spousal support, which I was saving and not spending. By the second week of May, I was receiving letters from McCalla ** stating that foreclosure had been initiated. My ex husband notified me of a letter that he received also. Since I called SunTrust (spoke with Daphne) and they advised me that foreclosure was not initiated, I told him that I was attempting to solve the problem with the payments, that SunTrust would not allow me to pay them, and that the money he sent for spousal support in March and April had gone into my savings account for the payments once I received the package. I continued receiving documents from McCalla ** and called SunTrust once again on May 25 (spoke to Jim) to determine what I needed to do. They instructed me that foreclosure was initiated and they didn't have an answer as to why I was told that it had not been.

I got the run-around from the representatives and was finally told that they could not reach a resolution due to my unemployment. I wanted to scream at them by this point. All the promises of repayment plans, modifications, etc., was all a joke! I was immediately angry and disappointed that I had been working with SunTrust for six months to reinstate my loan, and was told that they could not help me. The last week of May, my ex-husband text messaged that he would be mailing the check for May's spousal support. I instructed him not to, since I had to get some things ironed out and email him the options available to him. I was also going to be out of state the last weekend in May, and did not want a check sitting in my mailbox. I have been in touch with my attorney since the end of May to help me find a solution to this problem with the property. I felt as though bankruptcy was my only option and was destitute enough to follow through with it. When I met with my attorney on June 2, 2010, I was instructed that there may be other options. I was informed that there are a great many people facing this same issue and that mortgage companies are not helping those who are in need. The Obama plan is failing, in my opinion.

At this point, I was instructed to call McCalla ** and notify them of my attorney's intent to counsel me and represent me through this ordeal. I did so on June 3, 2010 (spoke with Kathy). Kathy told me that I needed to fax a written authorization letter to McCalla ** and Prommis Solutions giving permission for my attorney to discuss my case. I followed every instruction and filled out every paper necessary for someone to help me. I have even tried lowering the asking price on the home IN HALF in order to try a short sale, but no one wants to do a short sale. Now I am facing foreclosure and have had to move in with my parents until the ordeal is worked out. I am unemployed, destitute, and angry that I received nothing but more hurt from SunTrust and their hope solutions. I have never found myself in such an ordeal. I am planning on attending law school, but now may not be able to since I may face bankruptcy due to the foreclosure on my home. My ex-husband is three months behind in his spousal support and has made no effort to pay it. He has made no effort to help reinstate the loan, or to offer me any additional assistance. I don't know what to do.

We applied for the Obama Making Home Affordable Program to attempt to reduce our $1129.00 house payment. Around December 18, 2009, we received paperwork via FedEx from SunTrust stating our loan had been modified from the $1129.00 to $678.84. We had the papers notarized by notary Mary Lou ** and promptly sent the papers back with payment via overnight FedEx the next day. That is when the problems started occurring.

I was advised by numerous SunTrust Loss Mitigation employees that I would be receiving an updated statement and if not just mail my payment to SunTrust Mortgage Inc. RVW-3054, 1001 Semmes Ave., Richmond VA 23224. From Dec. to May, we mailed these payments. Two of these payments came back to us at which time I was told that the system had not been updated. It was all a mistake, please cash and resend the payment at which I did.

On May 18th, 2010, we received a second set of paperwork via FedEx from SunTrust. This was a second modification changing our payments from $678.84 to $836.03 effective June 1st, 2010. We also received our May house payment of $678.84 back. I called SunTrust and at first was unable to get any reasonable explanation as to why my account had been re-modified. I was finally able to speak to a representative named Dani who advised that there had been a mistake on the first modification, which is why the numbers had never been input in the system. She advised that this new modification included our PMI payment which had been omitted on the first. I advised her that we received this paperwork on the 18th and the papers stated that had to be returned no later than the 18th.

She apologized for that error and stated she would notate the account and let them know that she advised me to try to have papers back within the next 7 business days, or no later than June 1st with the new payment. We had these papers notarized again by Notary Mary Lou ** on May 23, 2010 and had them at the FedEx shipping center (City Shippers in Palatka, FL) the morning of May 24, 2010 in the overnight envelope that SunTrust had provided. I have received confirmation from our Bank, Putnam State Bank, that check # ** in the amount of $836.03 was cashed by SunTrust Mortgage on May 27, 2010. Well before the June 1st date, I was given by Dani and within the 7 business days required, as May 29th would have been the 7th business day.

On Saturday, June 5th 2010, I found in my mailbox a letter from SunTrust Mortgage dated May 25th, 2010 stating that our account had been sent to an attorney to commence foreclosure proceedings. Now we have never missed any of our mortgage payments nor been late. We have always paid every penny we are supposed to pay. I have been in constant contact with SunTrust Loss Mitigation department and I have documented all the calls I made. I have copies of all checks sent/cashed. I have copies of both modifications also. I would also like to add that the monies ($4073.04) we paid from December to May was not applied apparently to our mortgage, as in December, our principal amount due was $111,000.00 and now on the new modification, it is at $113,900.00.

I was told by the representative Dani that because of their mistake in omitting the PMI on the first modification, they had to add the difference back in because if they wrote off all the monies from mistakes they had made, the company would go under because after all, they are just humans. So, although we have never made any mistakes while paying this mortgage, we are currently being foreclosed on and/or forced to pay for someone else's mistake so they do not go under, but my family and I may be misplaced and left homeless. This has put us through an emotional roller coaster. We do not know if we are gonna have a place to live in the next few months or not.

I got behind on may mortgage payment because of some loss of income. I contacted the Loss Mitigation Department, where the web sites say they can help you. I have been trying to get a loan modification for over 1 year. They will not let you talk to one person, you'll get several, a different person every time you call and a different response when you call. During that 1 year plus time they had me on a 3 month trial with a lower payment, but they said I defaulted, only because they would not take one of my payments over the phone, which caused it to be late by 2 days. The three month trial was over but no communication from them to let me know they had denied the loan modification. I called Loss Mitigation and asked what I needed to do about the amount to send He advised me to continue with the trial payment.

Two months later, I received my payment back. No, I am even more behind because of them. I started to make my normal payment plus a little more. Several months down the road, I received two more payments back. I also received a loan modification agreement in the mail. But I went to get them notarized and the bank told me there was a different name on the Borrower Line. So, I called Loss Mitigation and they sent me out another package which is causing me to take longer to get the package to them. I talked to Len ** and told him I couldn't get the second set of papers notarized until Monday 5-24-2010 (First payment was due on June 1 2010), he said that would be OK.

I mailed my first payment to the address I was told to (that should have been plenty of time for them to receive the check but they did not post it until June 3) and FedEx the papers on the same day (5-24-2010). There was a letter stating "the total amount due in certified funds, to modify your loans is $0. On June 2, I received a letter from them stating, I am in foreclosure and the sale date is July 6, 2010. I called Loss Mitigation and they said I needed an additional $1,380.00 (which is equal to one of the payments they sent back to me). I have called Len ** (Loss Mitigation Negotiator) 3 days in a row asking him to call me back between a certain time because I work 2 jobs.

No call back from him as of yet. That has been a week now. I FedEx a cashier's check and the second check back to Len **. I called Loss Mitigation and they said they received the money. I also asked about the foreclosure and she said it was not active, but I am still getting letters from their foreclosure lawyers. So I guess they have done what they have set out to do and force me into bankruptcy. They make out like they want to help you but in reality they do not. I wish I would have been a little wiser and gotten an Attorney from the start. I guess that is my punishment for being too trusting and ignorant.

I am deeply depressed and my view of the world is even darker. Why is is the rich get richer. They get richer because they are taking from the weak. When we see the Greedy get some payback then some of the darkness may go away. The damages this has done for me can never go away. I will now have to find another place to live and I am scared to death I have panic attacks every day and I am no longer me because my soul had died. I am truly sorry if any one else is are has experienced the same. And I hope yours will change.

Between June and December of 2009 my wife had two surgeries and hasn't been able to work so we have had no second income coming in for almost a year. Medical bills are piling up, collection companies are calling, creditors are hounding us and I continue to get further and further behind on all of our bills due to the medical expenses. I started getting behind in our mortgage payment so I contacted SunTrust Mortgage back in July of 2009 explaining my financial situation to see if anything could be done. They put me in touch with the loss mitigation group. In August of 2009, I received forms to complete and return to SunTrust for a loan modification.

I completed the forms and everything was sent to them in early September 2009. I was told the loss mitigation process could take as long as 3 to 4 months. In December of 2009 (3 months after submitting the loan modification documents) I contacted the SunTrust Loss Mitigation group for a status of my loan modification. I was told they had received the paperwork but the paperwork was still in review. I contacted them again in January 2010 and was told the same thing, the documents were still in review. By this time we started receiving additional medical bills on my wife's second surgery.

In February of 2010 I contacted SunTrust again to find out the status. I was told we were approved for a loan modification but they really couldn't tell me any more about the process. I was told to call back in about 10 to 20 business days and the paperwork should be completed. I called SunTrust back in March of 2010 and was told nothing had moved forward on my loan modification. I was told to be patient, their document process department was severely backed up and they were doing what they could to get everything done.

In April of 2010 I contacted SunTrust and was told the loan modification was approved, the documents were processed and sent to me on March 10, 2010, and that I needed to review the documents, sign and return the documents to get the loan modification process completed. The problem was I never received any documents. I was told the documents were sent via FedEx but SunTrust couldn't give me a tracking number. I contacted FedEx and used a process they have to see if FedEx had tried to deliver something to my address and FedEx had no record of SunTrust sending me anything.

After several phone calls in April I was told the document request was submitted to their document process center but for some reason no forms were processed. So in April of 2010 I started the process of trying to find out why nothing was processed after getting approved for the loan modification. Between the dates of April 12 and May 25th of 2010 I have called every week to find out the status of the paper work. I have been told my problem has been escalated to managers, my loan negotiator, the document processing center but yet no one has responded and no one has ever called me back to tell me why the documents were not processed.

My last phone call with the loss mitigation group on May 25th I was told in order for them to reprocess the paperwork my application needed to go through another review. I couldn't understand if I was approved once why I needed to go through another approval process and I was told it's just the way everything works and that I needed to be patient. I asked them if this meant another 3 to 4 month wait and I was told they really didn't have a time frame as to how long it would take. In the mean time I'm falling further and further behind on all of my bills and SunTrust continues to drag their feet on something I was told would only take 3 to 4 months and now is in its 7th month and I'm still no further along than I was back in Sept 2009 when I first started the process. I'm struggling every month to make ends meat. I have to live from pay period to pay period juggling bills. If this delay continues, I will most likely have to get a second job to help with my bills.

We are currently experiencing 2 issues with SunTrust Mortgage. First, in December of 2009 we received a letter stating that our escrow account was short and that our payment would also be going up for 2010. I called SunTrust for further explanation and was told our payment would increase by nearly $200. I called my local tax locale and she said that this did not seem correct either. She wrote a letter stating the correct tax amounts and faxed SunTrust. After numerous calls and lengthy discussions with multiple reps, I was told that my account was adjusted, fixed and that my payment would not be going up.

Second issue, after realizing we were not able to refinance, we applied for a loan modification. We were told it would take up to 3 months. After making our trial payments (which was only $8 less than our original payment), we still heard nothing. I continuously called to check for updates and was told that everything was fine, it was just taking longer. We went back to paying our normal payment of $1406. Recently, we have been receiving letters stating that our account is delinquent in the amount of $3,176. I have called numerous times and was told something different every time.

Most recently I was told that some of our payments were applied toward our short escrow account resulting in us being behind in payments. And, that our payments were $1588 putting us further behind. This goes back to the first issue in that I was told that our escrow issue was taken care of. I was then told that we were missing payments even though they have posted through our bank. No one is able to tell me anything. Every person has a different answer.

I am lost on what to do as I can't get a straight answer. I just want our money applied to where we thought it was being applied to, our mortgage. We have never been late and have never missed a payment. Had we known the trouble loan mod would be, we never would have done this. We want our escrow account fixed and our payment to be what we were told it was $1406. We had no knowledge of this $1588 and know it is incorrect. We want our account up to date so that this does not affect our excellent credit and empty pockets.

We have owned our home for 5 years financed with a mortgage. The property has an 80/10/10 mortgage with a 5 year ARM, through SunTrust Bank. Not once in 5 years were we ever late, until December 2009 when my husband did not have enough money to make the mortgage payment. We called immediately, let Suntrust know that we didn't have our payment and that he would be employed starting on Jan 1st 2010. They were very nice and said we were to go into the forbearance program; however, they didn't give us the address or forms we needed to complete the process. We called repeatedly.

By Jan 15th, we were now 45 days late and we were scrambling to find the funds to make payment, which we did. Two certified letters were sent to us informing us of being in default, even though we were only 45 days late. While I was on the phone with a representative with SunTrust, someone from SunTrust, slipped a note through my front door, pushing it into my house. The note indicated for me to call SunTrust. I asked the person on the phone, whom I was speaking with from SunTrust, why I got the note, she had no explanation.

We made our payment. I called Hope for Home Owners and had a conference call with Jenny at SunTrust, loss mitigation, Herman with Hope for Homeowners and myself. We qualified for the Hope for Homeowners program and Herman, on my behalf, with my approval was to speak with Jenny while I was on the phone. Without getting two sentences, Jenny informed us that our home was owned by a private investor group, not SunTrust and therefore, SunTrust refused to deal with Hope for Homeowners completely. She said I could apply for a loan modification.

I received a call 3 weeks later from Debbie, who is the case manager for my mortgage (who knew I had one( and she took over the phone my financial information. I was never given the opportunity or told where to get the loan form or what was required to send, even when I asked. Debbie verbally declined us and sent me a letter to that effect based on debt/income level. We continued to scrap together mortgage. But we couldn't continue. We went to a bankruptcy attorney, who advised we file Ch. 7 and include the house. The house has appraised for $80,000 less than the loan we currently hold with SunTrust.

Since May 1, 2010, we have not paid our mortgage payment as we cannot afford to. Since retaining the attorney, SunTrust has called us 27 times from their collections department. Upon the first call I received from SunTrust Collections, I informed them of our filing and gave our attorney's name and number. The representative said to me, "You think your attorney can tell SunTrust what to do, **" and hung up on me. After that the calls continued every day. I continue to give the name and number of our attorney. I received a call today, where the representative called me "Honey" and told me again when I tried to give the attorney information, "It doesn't work that way with SunTrust,Honey. Honey, you need to pay up" and I requested for the supervisor and she hung up.

I got a loan from this company for a recent home purchase. After the worst experience in my life, the loan finally settled. One major issue was that I did not want escrow and was told that one month after the loan closed, that I could get escrow removed. Now after one year and at least two calls a month, I still have escrow on my account. Furthermore, I paid my taxes via my lawyer and the mortgage company paid so there was an overpayment. I contacted the town and asked for a refund of the overpayment. The town reimbursed the mortgage company instead of me of over $3800, and now the mortgage company is claiming that they never received this money. The town has verified that the check was cashed. This is the worse mortgage company that I have ever dealt with and they are playing with my money. There should be something that can be done! I have lost over $3800 and am still paying escrow.

I had my mortgage sold on the secondary market. I submitted payment of $1665 for payment in April which was the last amount I was aware that I owed. I received a call on April 6 and had a message left on my cell phone. I called them back on April 7 and was told I owed more than the $1665 because of an escrow analysis. I had not received the escrow analysis and informed them of this. I then asked for a copy of the analysis and why the payment had not been credited. I was told they would not credit a partial payment. I asked if I should stop the payment for $1665 and was told no and just pay the difference.

I authorized e-pay to make this payment as soon as I could after this and it was scheduled to be made on Monday April 12. I went through all of my contact information with the agent on this call on April 7. I continued to receive calls and received one automated call and tried to go through the menu to speak with a representative to address the issue again, but their office was closed.

Then on Sunday April 11, I received a call from Keona, who started off the conversation confirming identity and contact information. I proceeded to tell her about the conversation and details of the call I had a few days prior and that I had already submitted the request for online payment of the additional amount. I told her I wanted the calls to stop. We had a heated discussion and she said the "calls were going to continue as long as I did not cooperate" and "as long as I did not give them contact information." I became quite upset about this and reminded her I already had (in fact on two occasions now).

I asked to speak to her supervisor and eventually spoke with Carl (ID #xxxx) who basically took the same approach. I told him I didn't appreciate being threatened. He said that Keona was correct and the calls would continue as long as I didn't cooperate. I told him I had submitted payment that it was being held because of the incorrect amount (and told him it was because of the increase in escrow and that I had never received the analysis) and I had already submitted for payment the difference and that I had given any information they wanted including contact information to them dating back to my first conversation on April 7. He again said I wasn't cooperating and I became very upset with him and he said the phone calls would continue.

While writing this, I received another phone call from them despite having authorized the difference to be paid and according to US Bank, the payment should have been made yesterday. Please do what you can to stop this company from treating customers this way. I have a very good credit rating because I try to pay bills correctly and on time and their own records of my payment history with them would confirm this.

SunTrust encouraged short sale on rental property. Refused a deed in lieu of foreclosure, offered two modifications (unsolicited) on a rental property, I filed complaint with Tarp inspector general, they found bona fide short sale buyer with r/e broker, had not paid mortgage in 13 months, but SunTrust did not file foreclosure, a month and a half into short sale that SunTrust was fully aware of (because the requested additional documentation like proof of it being an arms length transaction which info was provided through broker and broker's attorney), SunTrust decides that they were filing a foreclosure. I believe this is bad faith, and I am sure they have done this to many others.

The property is underwater by $100,000 on a $300M mortgage (5/1 ARM). I suspect their motivation may have something to do with purposely increasing their expenses because some government program may guarantee a percentage of their loss, or it may have something to do with a deficiency judgment, which i would never agree to on a short sale. I would only accept a 1099 and I understand that their 1099 can only deal with their loss of principal and not unpaid interest or expenses.

This reeks of the Fannie Mae Indymac deal with the government guaranteeing 50- 70% of loss and the loss is calculated on the original loan amount even though they bought the loans for 50%-70% of the original loan amount. I am a retired attorney looking for soliciting a class if their actions are illegal and looking for a referral fee as well. Statute of Limitations of HUD and truth in lending is renewed b/c they refused modification so they are open to a fair housing complaint under HUD which they do not like.

For over 8-months have been doing a trial payment on the house and notice that Suntrust mortgage in Bakersfield, California are not willing to help the homeowners and they don't send letters to communicate with homeowners who are doing home modifications. They don't care, many residents have rather let the house go and now some are damaged and empty. Bakersfield, California the job market is bad and the jobs are in the city with better paid. The real estate in this part of the city is cheap now .

Suntrust needs to improve on their customer service skills. After reading all these bad communications with customers and Suntrust, I would have never done my business with Suntrust as I've been trying to get an answer on my load modification. I keep getting the same old story, your documents are in review. I replied, "for over 4 months!" I never get an answer and when I want to speak to a supervisor they told me I'm not able to as there are no supervisors. So, I feel this company has a location where its a telemarketing company just answering phones as they push the papers and not communicate and make their customers get more in debt. We are customers that want good service and I agree with another customer. This company should go out of business and I feel everyone one of us should write the President as I was denied the New Loan Modification program by 0.05%. You have got to be kidding.

You have a customer that is willing to keep the home and able to work within their payments but no, the banks would rather have these empty homes in our areas. Why? No one can get credit if they are like Suntrust denying everyone! I will be writing to President Obama and explain my situation and the President of Suntrust as Bank of America is working with people now because they are losing money. Maybe Suntrust should work with their customers as they need to listen to us. We are willing to work with Suntrust but they refuse to communicate and give us honest answers or even answer our questions. I will submit to the BBB which I'm sure many of us already have as this will help other customers not fall into their traps messing with our taxes, current payments, etc. I hope this company gets what it deserves because what comes around goes around.

What really **** me off was when I called and they keep telling me I needed to talk to another department. They transfer me, then that CSR will say no, you need to talk to the department that transferred you to me and she transferred me back and when that CSR was reviewing my notes, she didn't even answer my question and was going into something I didn't even ask about and ended up hanging up on me. Then I called back, like most of us have done, and talked to Ramsey who said he would transfer my information to a supervisor by emailing them. Let's see how long this will take and I'm sure it's just their partner sitting next to them.

The only real live person that helped me with Suntrust after many months and I'm still waiting to hear back from this company on my loan modification is a man named Bob! He was pleasant and answered every question I asked. I was amazed because after talking with him, I feel Suntrust has hired lowlifes that don't have any passion and their customer service skills are terrible. I work with customer services all day and we would never get by with this type of service.

If this wasn't happening to me, I wouldn't believe it. I was told by someone from Suntrust to get my loan modified. That was in November of 2009. They wanted a hardship letter and all sorts of records, which I faxed. They claim they lost them, not once, but twice. The third time I called and they said they had received my fax, but to call back in 2 weeks. I did and they said no one could talk with me as the loan had gone into foreclosure. I called their attorney for a payoff and they said they had not received any letter from them. I called Suntrust back and they hung up on me. Nice company!

I have been trying to get my mortgage insurance removed from my current mortgage monthly payment as per current regulations. The first person at the mortgage company gave me a bad fax number to send a request. I went to the website and the website gave an error message when you request information on how to request that the mortgage insurance be removed from your loan. I believed that they are intentionally making it difficult for consumers to get this removed from their loans. I have spoken to a customer service rep and told them of these problems but nothing has been done about them to date.

On 3/2/10, I paid $20,000 extra toward the principal of $297,587.47. My principal balance should have gone down to $277,587.47 by 3/3/10. Then, the mortgage company can take the regular monthly payment of $4,381.54, of which $1,069.86 will be applied to the interest, and $3,311.68 will go to the principal. Instead, they conveniently broke my $20,000, which I paid extra to pay my March mortgage. As a result, only $15,618.46 went toward the principal. I have to pay $1,146.95 toward the interest instead of $1,069.86 because the difference in the principal.

I called the Mortgage company, telling them to apply the $20,000 toward the principal of $297,587.47, then withdraw my mortgage payment automatically, but they did not comply. They did not comply to my request, which I have every single right to be correct. They withdrew the March monthly payment, and then gave me the interest of $58 back, instead of $204.18, that I intended to save by paying the extra $20,000.

The immediate loss is $146.18 = $204.18 - $58.00. The long term loss is my principal now is $274,402.88, instead of $274,275.79. The higher the principal, the more interest that I have to pay. This is unfair and unjust conduct. The mortgage company not only appreciate my extra payment, but want to manipulate it in the way that brings more benefit to them. They do not care how hard I have to work, to pay the mortgage extra and on time. They treat me like a fowl who does not know how to calculate, and gave me $58, as if this is a good deal that I should be happy about. Despite the phone call and the email to tell them to apply the principal correctly, they ignored my request, and continued to rip me off on interest. Please contact them, and tell them to adjust the payment where it should be applied to.

Our mortgage is with SunTrust Mortgage. In January 2010, we got a letter from SunTrust stating that our payment was increasing by $158.00 per month because of escrow shortage. I immediately called SunTrust to find out the problem. According to my figures, we had a small overage at the end of 2009. Well, after all was said and done, SunTrust had totally screwed our escrow account up. They did not pay our taxes for 2008 when they were due. They waited until January 2009 and paid the property taxes late. They also sent us a check for the overage.

When this check came, I called and asked if they were sure we had an overage. SunTrust said yes, and by federal law, they had to return it to us. Fast forward a year, and now, they realized they spent the same money twice. It is now up to us to fix the mistakes they made. SunTrust was in full control of that escrow money and failed to properly dispense it. SunTrust now wants us to make up the difference.

We paid the money once. I don't see why we should be held responsible for their incompetence. All I get from SunTrust is "We are sorry. It's our fault, but you must pay the money." I think SunTrust should take the loss, because they messed everything up. But they are unwilling to take responsibility for the mistake they made. We are forced to escrow taxes and insurance in our mortgage payments, but the company is not forced to be accountable for the actions they take with our money.

Search some of the complaints against them, or Better Business Bureau around Richmond Virginia. I have had multiple calls from Suntrust Mortgage Inc within the grace period of my loan and have complained repeatedly not to be called at work or on my cell unless my payment is actually late and beyond the grace period.

Recently, in a letter dated 02-05-2010 from Jackie and copied to Molly in the legal department of Suntrust Mortgage Inc, a cease and desist order was placed on my account and contact information. This morning, 02/11/2015 at 10:58 am, I received a call from Suntrust Mortgage Inc inquiring on payment, which violates the cease and desist agreement. Their own letter warns me that I may not be notified of other loan information in agreeing to a cease and desist order. If I could only be so lucky as to not hear from Suntrust until my mortgage is late, I would be happy.

I dialed the number, 804-, and it is a Suntrust number. Despite a confirmation of a cease and desist order that no calls would be made, dated from their own office 02/05/2010, I received a call this morning 02/11/2010 checking on payment. My loan was scheduled to be sold to another mortgage service bank since I have found Suntrust to be the worst bank around.

They cannot confirm the date my loan will be moved or honor their own cease and desist order confirmed by Jackie B. from Executive Services at Suntrust Mortgage Inc. I note that Molly W. from their legal department was cc'd on the cease and desist letter I hold a copy of. I will send the two of them a letter today once again regarding for the cease and desist contact.

They are the worst mortgage service company I have ever had. This is one of the rare companies that may actually be better run through federal regulation. If your mortgage is handled through them, do not think grace period means that you have through the 15th of the month to pay to avoid being called, chased or hassled. They must be a subsidiary of Chase Bank. I cannot believe they found some of private numbers to leave a recording on within the grace period of my loan. If Suntrust Mortgage handles your loan, pray for federal receivership.

I attempted to refinance my house through Suntrust. I paid $475 for a credit report and an appraisal. The appraisal came back with the wrong neighborhood listed and appeared to be incomplete. When I asked them to look into it, they agreed to do so. A week passed with no communication. We were with 48 hours of closing and my lawyer and myself emailed to find out if we were still on for closing. On the third email, they finally responded that we would not be able to close on that date. When pressed for an understanding of the process that underwriting was going through to get the appraisal verified, I was told they would get back to me.

After another week, I contacted Thomas who told me David would call me back. David called me back promptly and then told me that the process takes time. I attempted to explain that I did not have an issue with the process but that I would appreciate some communication so that I know what was going on. At one point, he told me "sorry if you lack the common sense it takes to understand this". He told me he didn't have a timeline for this process of reviewing the appraisal. I asked "days, weeks, months, years? Are you telling me you have no idea how long this is going to take?". He finally gave me a timeline and then continued to berate me about how I need to understand the banking industry. I tried repeatedly to interrupt him to explain the issue is not with the banking industry nor the process but with his and Thomas' lack of communication! He promptly hung up on me.

I am now out $475 to Suntrust for fees and will now have to start the process over again. Picking Suntrust as my refinance bank will end up costing me close to $1,000 when all is said and done. This was by far the most unprofessional interaction I have ever had in any business.

I went thru a trail modification period in Sept, Oct, and Nov of 2009.

We were told that we completed that period and that our modified mortgage rate would be $1900.41 for the life of the loan.

On Dec 28, 2009 we received a fed ex letter congratulating us and stating that we were going thru another 3 month trial period. The letter was written on Dec 1st and sent out on Dec 26 and gave us until 1-1-2010 to send in the new payment of $2400. They have added $500 a month to my payment and never called to explain why. This is a terrible organization

A forced place Ins. policy was put on our account, which we were unaware of, until a year after the fact. The laps in Ins. was for the period of Sep. 2008 to Sept. 2009, then again from Sept.2009 to Oct. 2010. I have since sent proof of Ins coverage for Oct. 2009, to April 2010. Sun Trust charged my acct. aprx. $4,330 for the laps covering 1 year, 1 month, however that same coverage with my own Ins. co. cost me $648 for an entire year. We were unware that we no longer had Ins. on our house, up until Oct. 2009 when we attempted to make the payment and were told we were several thousand dollors behind.

We were shocked at this news since we have never failed to make a house payment. Even up until Sept. 2009, when we called to make sure our account was paid up to date, we were told over the phone by Gail H that out account was current and that there were no problems. We have attempted several times to contact SunTrust to resolve this matter but have gotten nowhere. WE would very much appriciate help with this matter, and feel that there is something seriously wrong with trying to gouge the consumer with a $4,000 bill for Ins, that we can get ourselves for $648. Thank you very much for your time.

We did as they suggested & needed us to send to them all of our financial information, so we did as they asked & we were told at that time that we would know something within a couple weeks. this was April.

In June we hadnt heard anything from them yet, so my wife called & was told that our file had been forwarded to First American for review & she needed to contact them, so she did. First American had no idea who we are ,so my wife called Suntrust back & told Suntrust that First American had no idea who we are. Suntrust told my wife that she needed to write a request for suntrust to search for our file. the file that Suntrust lost.

When I learned about this I was upset, so I called Suntrust & was told that the computer shows that it was supposed to have been sent to First American, she than put me on hold. When she came back she informed me that it was supposed to have been sent, but for some reason was never sent, & Suntrust still had it,& now they are going to keep it & review it inhouse, should know something in a few days.

I didnt hear anything, so I called Suntrust back & was told that my file had been sent to First American & that I need to call them. I told the person @ Suntrust that I was told that Suntrust was doing my file now, not First American. I was told that person should never had said that.Now its August, & First Amercan tells us that the financial info we sent is now old & we need to resubmit everything. so, now disgusted, we did as they requested.

Sept. 25th we recieve a letter addressed to current tennant saying that the house we are living in well be forclosed on in about 60-90 days. So I call First American. First American tells me they no longer have our file, that Suntrust requested they return it. I call Suntrust & am told that First American returned our file unfinished & they dont know why. I tell about the letter threating forclosure & am told not to be conserned about that, they are working on my file now & that letter is standerd procedure. a week later I get 4 cerifided letters informing me my house will be sold at auction Nov.6 2009.They are dragging there feet, avoiding talk of short sale, trying to add a ballon to the back of the loan, this is a miserable experiance.

I was in the middle of refinancing my 6.8% interest rate when I was laid off. SunTrust told me I had to stay at the 6.8% and they could not refinance me because I was laid off.

For 3 years now I have made my payments on time and have good credit. Recently I called again to mitigate and the webpage form read that I qualified for mitigation but I needed to work with a local SunTrust Loan officer. When I looked for one in Wisconsin, I could not find one. I finally called the company who sold my mortgage to Sun Trust and they gave me a name to call. I spoke with her and she did not have high hopes that I would get a mitigation.

SunTrust said it would take 10 days to get the form. Instead of Mitigation forms, I got mortgage insurance forms. I called them back and they told me they sent the correct forms out but they would send them again. They also told me that the mitigation would take more than two months and that there was no guarantee.

Because this company will not or is stalling the mitigation, I have been stuck at a 6.8% interest rate paying out more than unemployment is paying me. Because of their games, the house prices/values are falling even further pushing people even further in debt. I have lost $300 a month by paying more than I should have to pay.

and I was not contacted. January came so I contacted them.

After finally
contacting the loan mod rep. I expressed my concern over the time lapse.
The rep informed me that they were waiting to see the results of their staff
Meetings since Obama just took office and that there was going to be some
New operating procedures take place for loan mods. Another month passed,
So I called in again, to remind them that my property taxes were due at
The end of December and if not paid at the end of the following month,
The amount goes up. The rep informed me that he was going to roll
The property taxes in to the loan mod. He assured me of this. March came
And no one has contacted me about the loan mod. I called in again. The
Rep informed me that the new options and new operating procedures are
Still under review. He assured me that my property will not be foreclosed on.
April came and I called in only to find it very difficult to contact my loan mod
Rep that was assigned to my account. Another rep reassured me that they
( the company ) would take the months that passed into consideration when
Figuring out the total amount owed. I contacted them again a few weeks later
To check the status and they informed me that they were waiting on me to
Fax in my monthly expenses. They never contacted me to inform me that

That's what I need to do.

I was laid off from Alphacom on May 1st and started the unemployment

Process again.

Working on a loan mod, they foreclosure process still moves forward.

This concerns me deeply as to how my account is being handled.

Week at the rate of $50.00 an hour.

With this information, they informed me I did not qualify for any of there
Options for a loan mod. They said my expenses were more than my income.
They wanted to send me a short sale package to sell my property.
Or they could foreclose on it. Neither of these options worked for me,
Cause the months that passed while they were deciding what to do
From December to April totally falls on them and they should not be
Charging me for something they caused. A few days later I called
In again and asked what income amount they were using for my
Monthly income and they said $2800.00 a month. This is clearly
Another mistake on their part. I informed them that the amount was

Wrong. The $2800.00 amount was weekly not monthly.

Income amount.

no mistakes. Thus rolling in an escrow account into my loan.

Of meetings and all of their costly mistakes. Costly to me.

Them to be fair and pay for their own mistakes.

How do I deal with this?

I called again at 4:52 pm on the same day and talked to Oscar Moreno and told him the situation and again he wanted me to send proof of our taxes( fax # 8046759639). On 7/20/09 I sent a certified letter through USPS that they had to sign to get with the tax info in it ( the taxes are $1,796 a year). I sent a payment for July through a check because they wouldn't except that through, which they cashed. On 8/11/09 I called Suntrust and Sonya Smith told me that they didn't receive it. On July 06/09 I was sent a letter saying that I owe 1,092; on Aug 04/09 I received a letter saying I owed 1,362; how when they have payments for June and July 09. I got a letter today 8/24/09 that I owed 2,523. How??? I owe $ 554 for august and will pay it if they get this right. Because of the hell we've been through with this company I don't want this house anymore. I'm losing my house because of something Suntrust can't prove that I owe, but I've proven that I don't owe.

I bought my house 3 years ago and Suntrust was my mortgage co., I got hurt financially since the last year, due to our crissis economic situation. I am a single mother with a child to support, and I have a lot of medical issues, and lost the child support income. I have only my income to support both of us. I got behind on my mortgage payments for 2 months, I called Suntrust and explained my situation several times to them. I asked them please help me out and give me the opportunity to send payments a little higher, so I can get updated with the past due months.

My mortgage payment are $1,400.00 per month. I offered to them $2,000.00 per month, so the difference can go to the 2 months past due. The only answered I got was *You need to send the full payment to get updated and avoid foreclosure*. After SEVERAL harrassed calls from them (I was sick with anxiety problems and depression). I got behind another 2 months and I called again to offered 2 payments in arrow, and they told me that my case went to Loss Mitigation Department. They told me that I need an attorney to avoid foreclosure. I explained that I hardly have money to go by and pay my bills, less I have money for an attorney. I am so depressed and I don't know what to do. I wish I can get some help. I have bad credit for past bankruptcy and I have no money.

I have a CHILD to support and it's extra hard. Please help me to find the way out of this horrible situation. I can't even sleep any more and I am getting sick for all this problems. I was reading about the Modification Program, that president Obama released this year. I talked to a company that offered free consultation and they told me that Suntrust received the money from the program to help the borrowers. Is that truth?

In April of 2009, my husband and I applied with Suntrust to refinance our 6.25% mortgage currently with Suntrust. We locked in on May 19, 2009 at 4.375%. At first, I thought the lack of customer service was a blessing since it took almost 2 months to get a lock-in, which was interest rate fell to their lowest levels. We locked in and I had several discussions with Patricia ** about our lock-in, loan processing, appraisal and rate lock expiration. The end of June, we received some new documents looking very similar to the ones we signed in May, but now our interest rate is 5.75%! What a classic "bait and switch". No wonder our financial system is a mess with crooks like Suntrust.

By the way, we have a credit score of 791, a conventional 80/20 loan to value ratio, have never missed a payment and we are a current Suntrust Mortgage Customer. Steer clear of Suntrust, Patricia lied to us for almost 2 months! She only called us one time, which was a return phone call. All of the other calls were made by us. There were several because she doesn't answer her phone. Suntrust should be shut down and sued!

My buyer signed a contract the end of March 2009. Your company had the contracts by April 1 or 2 from the builder Richmond American Homes. My Buyer, Kim had some difficulty in getting a mortgage, but your company said she was a go. We have provided you with everything that you asked for and more. She has a great job and a very good income. Your company has not been honest with her.

Our settlement was supposed to be Monday, June 29th. Today is July 2 and we still have not settled. The family has 3 small children and they are now with the grandmother in VA. They took a vacation to move into their new home and tried to move out of the condo by the end of the month that I rent to them. Thank God the builder let them move everything into the garage. It is packed full. They have been staying at a hotel in Dover all week waiting for the final word. Apparently the underwriter is still looking at the file. Plus I am babysitting their puppy! This is a disaster.

I will never use your company again. This is a disgrace. The buyer was going to go to the lab and get a blood sample so you could have her DNA. Is this what you are waiting for? Your company should be ashamed of itself! This affects the former rental unit and the owners, great toll on the builder, buyer and me. A lot of money.

I contacted SunTrust Mortgage on April 30, 2009 about a 30-year refinance on my primary residence. The uniform residential loan application and all required financial documentation was completed and sent to them on May 1, 2009. I was quoted a rate on the phone and I asked the loan office (Steve **) to lock. I was also asked to pick a closing date during the first week of June. Receipt of all information by SunTrust was confirmed via email on May 4, 2009.

After several unanswered email and voicemail messages, SunTrust responded on May 20, 2009 and told me in writing: "Your loan is in process. Please understand that with the overwhelming volume, they focus on everything closing at the end of this month first. We are on line for a closing by mid June." I still had not received a written good faith estimate at this point in the process. I also had not received written documentation regarding the rate lock.

On May 27, 2009, my credit was charged $350 for home appraisal services related to a SunTrust Mortgage. This fee is at the root of my complaint. On May 28, 2009, I received a good faith estimate for a 15-year refinance when all prior conversations had focused on a 30-year refinance. I contacted the loan officers assistant and asked to have the problem corrected on May 28 and May 29, 2009.

On May 29, I was told in writing regarding the 15-year good faith estimate being sent and my desire to receive a 30-year good faith estimate. "As soon as Steve (loan officer) updates the system, I will send you new documents. I only work part time and am getting ready to leave. I will send the docs out on Monday." On June 3, 2009, I still had not received anything. After several unanswered email and voicemail messages, I was told in writing: "He was working on your loan when I left yesterday so I believe he will be contacting you today."

On June 8, 2009, I called the loan officer to clear up the confusion. I was told several key things:

3. My good faith estimate had not been corrected because the rate quoted on April 28, 2009 could no longer be honored.

Separate from all of these conversations, I received two physical mailings from SunTrust on June 08, 2009 with a good faith estimate indicated that closing costs would be in excess of $12,000. The total amount seeking to be refinanced was $155,000 so the closing costs seemed a bit high. Never once did the loan officer mention these documents on the phone earlier that day. I suspect he was not aware that these documents had been placed in the mail.

I have severed communication with SunTrust and am seeking two items towards resolution:

2. I am seeking to determine if the practices of SunTrust violate federal regulations or guidelines. Unfortunately, there is a third item for which I have no recourse. During the month of May, loan rates were historically low. The missed opportunity of having not refinanced can never be recouped.

I applied for a mortgage and was given a locked rate. My mortgage broker filed a completed application with all documents required. SunTrust delayed reviewing, then repeatedly requested additional documentation, dragging the process out until the Lock Period expired. The locked rate, 5.75%, had risen about 90 basis points during this process. It was clear that SunTrust did not want to write the mortgage at that rate, and implemented a delaying strategy to avoid honoring its commitments. Credit was never an issue as I ended up paying 100% cash for the home, and still had 2X more cash left, after purchasing the home. SunTrust engaged in fraudulent lending practices.

My partner and I are Suntrust Bank customers. We currently have our mortgage with another bank and when the rates became attractive decided to refinance for an APR below 5%. We contacted a couple mortgage companies but decided to got with Suntrust Mortgage because of our banking relationship. Our branch manager referred us to a loan officer and we started the loan application process. There are no problems with our credit or debt to loan ratio, so we thought this should be a smooth quick process since we are already good customers. However, this is not the case! The process has stalled since we had the appraisal and we only had one call from our loan officer since that time to let us know that things were proceeding with no problems (that was around Memorial Day). Now that the rates have gone up and we still have not settled, we are getting no return calls from our loan officer and we do not have a copy of the appraisal.

We paid approximately $350 for the appraisal, plus at this point with the rates going up, we have probably lost the opportunity to refinance with any other mortgage company at an APR below 5%, and that cost us interest and a lower monthly payment. We have also lost the mortgage application fee which we paid. I find this stall tactic by Suntrust Mortgage Company to be deplorable. I can't believe that they treat their valuable customers like this and I am considering moving all my accounts to another bank!

We currently hold a mortgage with Suntrust. When we went to refinance, they gave us a competitive rate and most importantly the closing costs were very reasonable. We went with them. We were given a good faith estimate of around $6100 for closing costs. Mind you, they carry our existing mortgage so the good faith estimate should be in the ballpark. We were set to close at 7 pm. We did not get a final number for closing cost until 6:45 pm of the same evening. We were unable to get a check for the closing but we were instructed to overnight it. We were told that our closing costs would be $8800. Too late to save cash, too late to borrow cash, too late to do anything.

I live on Social Security only and decided I wanted to refinance my home to make my life a little easier. I went to Suntrust because they are my current mortgage holder (6.5% right now). I began the process months ago and was told I didn't need to provide any documentation of any kind. At that time, the rates were 4.6- 4.8%. I was told I would be treated as anyone off the street, not a 10-year mortgage customer. It began with an appraisal ($425), only part of which is refundable if denied. Months went by and after many calls and the appraisal was done, I was told that due to my $165/month homeowners association dues that I would be denied. I said I have CDs, annuities, money market accounts, which I only use when I need to. All they cared about was income. Well, all I have is SS. I live very frugally and have never missed a payment and not had a late payment. My FICO score is 796. It didn't matter. I was a brand new customer off the street.

I was finally asked to show my last 2 year tax returns. I had received about $500 interest. She sent my papers to underwriting and again I waited weeks. By this time, the rates were well into the high 5's. Their policy is you have 120 days from appraisal date to lock in. Well, my appraisal was done months ago, 2-3 to be exact. That leaves me with 1 month or so to see if the rates will go back down or I lose the majority of that money. I was finally called the past Friday, the 31st, and was told I was approved. Big Deal, the rates are in the high 5's now. Every other bank I spoke to locks you in right away when you see a rate you are interested in. I am very angry and will probably lose that money.

Currently, I have my mortgage with Suntrust Bank. I'm looking to pay down our mortgage with cash and refinance at a lower rate. After initiating the process on April 3, 2009, we have still not received any word from Suntrust. After getting a higher than expected appraisal which would place our loan to value ratio at 62%, three weeks later we still get no information.

Now that rates have gone through the roof, we lost our great rate and still have no information about our refinance. I have never been treated like this and have such a loathing for the people of Suntrust that words cannot even describe what I feel from this horrible experience. How is it that people with excellent credit, viable income and money to pay down their mortgage cannot get service? Now because of us relying on Suntrust, we missed working with another lender who might have gotten it done sooner.

My daughter has been trying in vain to work with Suntrust Mortgage to save her home from foreclosure. She has made numerous calls, sent in the required paper work and all she has gotten for her trouble is the runaround. She never talks to the same person twice and if she does happen to talk to a live person, she is made to feel like she is a deadbeat because she is asking them to work with her so she won't lose her home. No one seems to know what the other dept is doing. They tell her to send in a payment then they return the checks back to her. They keep telling her they have been trying to reach her which is not true. She has caller ID and an answering machine and then accuse her of not making an effort to help herself. She has spent so much time on the phone at work trying to talk to someone one that she has gotten a reprimand. She has done all that they have asked of her including making a partial payment in the amount that she was told to make only to have the check returned.

She received the check on Monday, June 1st. She called the collections department and was advised by Angel the loss mitigation department should have entered into the account that there was a promise to pay in the amount she sent. He advised her to call back in the morning to speak to a loss mitigation person. She called back June 2nd at 11:45am and spoke to Suzanne and advised her of the situation and the runaround that she has been getting. She advised her to speak to Angel again and passed her through. He again reiterated the same thing he advised the day before they cannot take the payment since it is not the full past due amount. He then proceeded to advise her that the account was sent to the foreclosure and they would not be able to take the payment anyways since it is already in the foreclosure process.

He then passed her to the foreclosure department, who also proceeded to advise her that once in the foreclosure department, they will not take any payment unless it is payment in full. She advised them of the whole situation again and was then passed to Melanie in the loss mitigation department. I advised that the payment was sent in on the May 23rd. It was received on the 26th so they should have been able to take the payment at that time. Melanie began to get rude and advised her again that they will try to assign a new negotiator but may take a week or so and to call back on 6-9-09. Also advised after my daughter tried explaining the whole situation that started in December of '08 that she will send for a reassignment, but that my daughter will have to pay for the legal fees incurred until the case is reassigned. My daughter advised that this is not right and that she has done all that was asked of her and it is not her fault that no one would help her up to this point. Melanie then advised that yes, it is her fault for not making the payments.

I called and speak with the president's office and they claim they sent in the correction. they also sent me a useless generic letter regarding the mistake, only after after I insisted. Well now my credit report is still incorrect and the credit bureau says they cant do anything about it. Suntrust claims they corrected it and there is nothing else that they can because they dont run the credit bureaus

My perfect credit score is NO MORE. One creditor has already terminated our relationship based on this information. And here I wait for the next shoe to fall while the credit bureau and Suntrust mortgage pass the blame back and forth to each other

I called and speak with the president's office and they claim they sent in the correction. they also sent me a useless generic letter regarding the mistake, only after after I insisted. Well now my credit report is still incorrect and the credit bureau says they cant do anything about it. Suntrust claims they corrected it and there is nothing else that they can because they dont run the credit bureaus

My perfect credit score is NO MORE. One creditor has already terminated our relationship based on this information. And here I wait for the next shoe to fall while the credit bureau and Suntrust mortgage pass the blame back and forth to each other

Currently I am in risk of losing my house due to SunTrust Bank refuse to assist and their utmost lack of responses. Five months ago, I had asked SunTrust for assistance to reduce my interest rate and possibly defer my payment for 2 months from a 30 years fix to a 30 years and 2 months fix. I was struggling with high bills, daycare, car payment, monthly bankruptcy bills, and etc. Due to my credit history, the representative from SunTrust advised that the only way they will assist me is to stop payment for at least 2 months or so. I stopped payment for 2 months, and then re-connected to SunTrust for assistance. They took my data into the system including the W-2, tax return statement, and letter of hardship.

I had been contacting them every week for status ever since I sent the document to their attention and addressed over and over that I do not want to delay the payment. I need like some guidance and direction. After months of battling with SunTrust, they informed that my personal information was never received. I resubmitted the document shortly after spoken with SunTrust.

Weeks had gone by and I have been contacting them every other day for status SunTrust again provided me with no responses nor any direction. On May 1, I received a letter from their lawyer that stated my house is now in process of being foreclosed and they will grant the court to relieve me from Chapter 13.

I have been trying to contact their Loss Litigation for status and update the passed 6 months, and they had provided me with no response and refuse to speak further. Again, they had refused to neither speak with me nor call me in any sort of fashion. The lawyer from SunTrust bank had refused to speak with me even I wish to pay the outstanding balance and do not wish to foreclose or give up my house. I am a single dad with a 7-year-old son who is about to loss my home due to the non-responsive staff from SunTrust Bank.

Approx. 7 weeks ago we applied to refinance and approx 4 weeks ago we were told that we did not qualify for a conventional loan because our appraisal did not come in high enough however we did qualify for an FHA or possibly stimilus. Monica stated that she would call back on the 9th of April to tell us which one would have the lower rate. When she didn't call back on the 9th I began calling her and left message after message. I began to get worried because we paid her 350.00 dollars for an appraisal that she said was only good for 3 months. I called customer service and suddenly she called back and stated that the stimilus was 7.5% and that we were no longer eligible for FHA.

We were told that we were no longer eligible for FHA and that the stimilus would 7.5. She retaliated because we called customer service. We currently have two mortages with Suntrust a mortgage and an equity all we wanted was to combine at a lower rate. Everything was fine until I called customer service. What should I do? Now I am out 350.00.

SunTrust Mortgage, Inc. called me on 12/16/2008 stating that he had reviewed my home information given to him by my realtor and that he felt I would be a good candidate for a refinance at a much lower rate. Note that I had not been interested previously in refinancing, but after his call and promise that I could save $200/month on my mortgage payment, I was definitely interested. The process moved on and my house was finally appraised in late January and I was charged $450 (where the good faith estimate was at $350).

The appraisal came in low (due to housing market declines) and they could not refinance for me. I felt like I was being given the runaround after they got the money for the appraisal. Why would you call someone for a refinance if they had not done their homework (since my financial circumstances have not changed since I bought the house 2 years ago)? Bottom line, they kept putting me off because they were so busy with other re-fi's and I will never do business with SunTrust.

Wasted $450 on an appraisal.

SunTrust qualified my company and numerous documents were filed securing the Contract. I did not subordinate.

Rusty and Liana B lied on the residential loan application and SunTrust did not verify their income because if they had they would have easily caught the overinflated income. Liana B did not even have a job when she moved four hours away and started to collect unemployment at the beginning of the project. SunTrust contributed by allowing the asset column to claim $175,000 for a home in which the B had not owned in over a month when the application was filled out. This was not an oversight because SunTrust also allowed the proceeds from the Sale of the home in the asset column. I believe that is called double-dipping.

I signed a Disbursement Authorization requesting the funds to go directly in my account for construction as I had been in business for over ten years at the time and had an excellent credit rating. I would need the funds to pay subs, labor and material as it was clear among all parties that I had the Prime Contract.

I had no problem with that because I would be fulfilling the Contract and they were my funds.I had know idea at the time of the Bennetts and SunTrust's fraud concerning the loan application or her previous bankruptcy.

Nine (9) weeks passed and the house had been framed, plumbing roughed in and heating. My lumber bill was over $34,000. I request a draw according to the Draw Schedule I signed with SuntRust (Exhibit B of the Construction Loan Agreement)for a percentage of the work done. SunTrust sends the appraiser, he verifies the work and SunTrust releases my funds to the Bennett account. The B keep the money and terminate the Contract kicking us off the land in which we occupied to fulfill the contract.

We clearly did not breach our contract is what was stated by the judge. We also won a judgment for Defamation that was both willful and malicious. Our attorney failed to get us the material suppliers lien! There was, and still is a recorded construction mortgage lien which secures the funds for payment of such.

And, to top everything else off, the B bankruptcy was confirmed about Nov. 24, 2008 and an Order was issued by the court for SunTrust to take the property back and SunTrust still has not defaulted them!

They are well aware of our underlying right to be paid.

Please be careful of this company whether you are a builder/seller, buyer/purchaser/borrower or debtor. This in my opinion is by far the P in predatory lending practices.

I am waiting for my $1,000,000 fraud claim.

It's not over yet......

I put in my application in early December and received an approval. The Loan Officer got all of my paperwork (student loans, bank info, etc) in the beginning. Through the month of December and January she kept asking me for the same documents. I was scheduled to close on Jan 19, 2009 but that didn't happen; the loan officer said she needed more time and started coming up with numerous excuses about my debt to income ratio and asked for a closing extension to Jan 28, 2009.

The other bank decided to pull out of the loan and wants to keep my earnest money deposit; now I have to attempt to get my deposit back because its over 30 days. From Dec 13 to Jan 28, 2009. SunTrust then sent me a denial letter on Feb 5 saying income and debt/ration. The loan officer had the nerve to say I was uncooperative--when every email she sent had a response to the paperwork she needed. She was not upfront about anything and was TERRIBLE!! If you visit Manassas VA and go to SunTrust be vary wary of A. K if she is your loan officer, go elsewhere! She was terrible.

Lost home that was price $50k below price and now having to ask the Seller (another bank) to return my $2k earnest money deposit.

I am a processor at a mortgage company in Miami, Florida. We were attempting to refinance a loan for our client, when we were asked for documenation needed to provide eligibilty to process a loan using FannieMae guidelines that are required by the lender (suntrust). The condo anaylst did not follow or adhere to guidleines that we met beyond their criteria to approve this loan. The anaylst and the department did not want to cooperate with us at all whatsoever.

The borrower which is our client lost time, money, and was deprived of her dignity when she was told that she could not conclude this transaction.

I got caught in the mortgage mess like many people with an ARM that was set to adjust too high. I also in the hardening economy lost my job. I started working on a short sale to aviod haveing to default to all my lenders. Though I had to default, I have been working to Short Sale the house so, both lenders would recover something and it would not be a total wash. The deal was set by Mr. E at Suntrust bank and about to go through when he reconted on the deal, not signing off.

I am now facing foreclosure.I am still trying to get the deal to work and have sent e-mails to several people that are in the capacity to assist at Suntrust.

My credit is already ruined and I am facing foreclosure. I can not even begin to tell you about the stress and sleepless nights.

SO they want me to destroy my credit and tnen maybe they'll help me. That is cruel,selfish and absurd,absolutly poor customer service. I am triing to do the right thing by not walking away, if i do so they'll never see thier money the house is'nt worth that much anymore. They have the power to reajust the rate so I can make my payments and they just rufuse to. I am in dept I am in danger of loosing my home, damaging my credit. I am loosing sleep at night wich has caused me to get hurt at work

Bad mortgage with predetory practice violated big time and high, high PMI rate that equals .30% not usual .05% according to the FHA people of NY.

They set out to steal from day one and make me lose $20K of my money. I just want to pay 15 years for a 30 year mortgage and be done. Why are these people allowed to hurt honest working single moms.

Chapter 13, ruined my credit and now I have more pressure in dealing with just living the american dream.

Suntrust Mortgage was sold my loan 5 yrs ago after I refinanced my home for 15 yrs. While I have made payments in a timely manner, I fell upon financial hard times a few months ago and got over 30 days behind on my loan. I contacted Suntrust and sent half my home payment with applicable late fees and finance charges in a good faith attempt to show that I had full intentions of catching up that month with my loan payment by sending half now, and a promisary note stating I would pay the other half in two weeks when I got paid again.

Not good enough for Suntrust. They held the check for 10 days, then sent it back to me with a nasty letter stating that it was not the terms of my agreement. By then, I was able to send the other half and thus catch up with my loan payments. However, Suntrusts' bankruptcy specialist contacted my lawyer (never having once contacted me), and threatened an automatic stay by the courts. Suntrust has not worked with me in any way during my financial hardship. I intend to never deal with Suntrust again once I have my home paid for...they need to learn some better customer service skills and compassion for those of us that live in the real world.

We were forced to come up with $7600.00 the night before settlement, and we were forced to carry mortgage insurance, which raised our monthly payment by 300.00

I have a home equity line of credit with Suntrust. This account was with NBC but it was transferred to Suntrust. My balance was $25,699 before the transfer and now with Suntrust it is $

This has made me over the limit which is hurting my EFX score. The other bureaus are not reporting this but I am afraid that if the rest gets the hit then all the hard work that I have done with working on my credit all these years will be for nothing.

I have spoke with CS and local branches and they cannot tell me what is going on. They just tell me to dispute this and maybe it will go away. They did tell me that the reason for the high balance is that all my interest and pre-payment penality is all upfront and they are reporting my payoff as my principal balance.

The complaint I have is this, If you are over our credit limit your score will drop! I know all about this b/c im a credit reporting processor. I need this company to report the correct information and make my balance what it should be.

This has resulted at the possible effects of my credit score to drop with EFX, TU & XPN. I am trying to refi my home as of now.. This has come at a bad time for me!