Suntrust Mortgage

My loan was sold to Union Bank, I was not notified until I got a call from Union Bank asking where my payment was. I have proof I made it to Suntrust but they did not forward to new bank. There is no way to contact them other than online and they have not responded to multiple requests. When you call the customer service line and go through all the prompts to get a live person it sends you to another voicemail asking you to enter your box number which is ridiculous. I have the funds to make another payment to Union Bank and have done so, but what about the families who don't? These guys should be forced to have a number where you get live help. It is not okay.

Suntrust bought my mortgage, so I only have experience with P&I payments and paying off the loan--I can't review their underwriters, etc. I did not use them for escrow, so I can't comment on their handling of that, either. I aggressively paid down my loan for the last year, sending them large payments with a few months over $10k. They received those payments as a direct payment from my checking account just fine. But on the final month, they rejected my payment and sent no notice to me. I called them inquiring about it because I didn't see my balance go to zero. I was told that they had received my final payment, congratulated me on paying it off, and it should take a day or two to post. It didn't post.

I have a fixed rate with this company, for the last few years they have been raising my monthly payment. 2017 they increased it twice. I called. They claimed it to be the insurance, I called the insurance company they said my insurance did go up slightly but not enough to make a big difference, they changed a couple of things which dropped my yearly insurance of less than $200. I called Suntrust back, informed them of the change in order to lower my monthly payment, instead of lowering my payment, they increased it, WOW.

Interest rates are high and they have high fees. They required closing cost on refinancing as well as a down payment and application fee. The escrow account is never calculated right.

In May, we wrote a contract for a house financed by Suntrust Mortgage. The bank had an approved price of $675k, and we offered $649k which was a very reasonable offer considering comparables. The short sale processor said it typically takes 2-3 months for an approval, so we literally went homeless for a month as we had sold our home July 25th and were anticipating a closing date of August 25th on our short sale home. Throughout those 3 months Suntrust lacked in answering calls and responding to messages left and lacked in giving the short sale processor or seller updates on the process. Instead I believe our contract sat on someone's desk for 3 months untouched. I say this because around August 30th, we received a letter stating that a short sale negotiator had been assigned to us on behalf of the townhome we had sold a month before and no longer owned.

I have been with SunTrust Mortgage for quite a few years and I'm one of those homeowners who was offered by them a modification to receive lower payments and a lower rate. So, I applied for a HAMP modification and they lost paperwork numerous times, told me to continue to resend documents that they received in overnights, faxes as well as emails. They finally acknowledged paperwork when I brought in other agencies to see what they were doing and violations being made.

This starts with a Customer Svc woman in the payments group... no customer service skills AT ALL. Never once made a supportive comment towards me/Houston FB post: I've heard great things about folks being able to defer mortgages and other bills while Houston/families get back on their feet. It is one less thing to worry about. My company, Sun Trust mortgage, is a bunch of jerks (in case you have them). They will allow you to skip up to 3 months of payments but at the end of that you owe all 3 months plus the next month. What in Sam Hill does that do to help us free up cash to make it through this recovery mode??? What JERKS. Twitter: #SunTrustMortgageSUCKS #SunTrustMortgageDOESNThelpHarveySurvivors

Sun Trust Mortgage Company let my escrow expound account get completely empty & then raised my mortgage payment so much I could no longer afford it & had to sell my house & buy a cheaper one! Thanks a lot! I told my new lender if they sold my mortgage to Sun Trust I would sue them. They can sell it to anybody but Sun Trust.

For over five months the loan processor and I worked tirelessly to please the underwriter. I spent $ 3,415 for inspections and updates on a house that I was trying to purchase. After 5 extensions I finally received my congratulations letter and the final closing date. Two days before closing I received a call saying that the loan was denied by the underwriter. The processing manager's response was "Don't shoot the messenger". How could I pass every inspection and improvement on the house, have good credit, a steady income as a teacher for 25 years and be a risk? Are you kidding me? Suntrust has terrible underwriters who make you jump through every hoop and obstacle just to deny you after at all the time and money wasted on the loan process. Do not use Suntrust unless you have time and money you want to waste.

After paying off the Suntrust Mortgage Loan the standard response on getting a refund on the retained escrow account "Standard Procedure is 15 business days. After payoff you will be sent a check". There is no excuse for something like this other than loaning Suntrust interest free money. Doing business with Suntrust Mortgage has been a 14 year mistake!!!

Just had my home equity line up for renewal. They sent a rookie appraiser out who appraised $200k less than market value. Despite supporting documents from previous appraisals and recent sales, they wanted to reduce the line by $50k. I don't have a balance but use it for short term financing on real estate transactions. In a 15 year+ relationship, I have never missed a payment.

I simply ask SHENRIKA ** why you guys paid my insurance again in April when it is already paid in August 2016. I believe she doesn't know where to look for the answer so she become defensive and being unprofessional and instead of answering my question! The agent before her wasn't helpful as well. At this point I don't know why I am paying $115.52 instead of $960. I don't feel safe for this company to manage my most important assets. It's very frustrating!! And my insurance company Allstate customer service line just verifying they been overpaid but why? My insurance is not due until August 2017 and to have not make any change.

I tried to submit payments on their website then it says I'm late and I wasn't. But didn't let me submit because I'm so called "late." I called multiple times during their so called business hours and they can't take the call-a recording. Finally get a hold of them and made even an extra payment. They ask me why I couldn't pay, and do I need assistance. "No I've been trying to pay" I said. Not good enough so they reported it on my credit score and went from Excellent 700+ to 600+ "Fair and Needs work." All that just because they don't know how to accept a payment but then they get all active, add the late payment charges and report it as fast as they can. I'm going to attempt to refinance with another mortgage company BUT... kinda hard to do when they knocked my credit down.

Worst experience ever- Suntrust Mortgage Charlotte NC - Took weeks and weeks to supply their never ending paperwork requirements only to be denied. Then received an email from my initial contact person saying I should NOT have been denied and that the Underwriter manager would personally handle my file and "rush" it thru. Two more weeks go by and I'm finally contacted by another person who says my application has to start all over again and here is a giant list of required paperwork. I showed her the email from Suntrust where it said otherwise to her astonishment then another manager calls and says it doesn't matter what that email says. I have to start all over again.

This company is very dishonest. When an appraisal was ordered for 450$, they send a bill out for 750$ which was not the agreed upon amount. Once the appraisal came back to remove the MI, they would not remove it even though the numbers clearly showed the MI should not be charged anymore. Stay clear of this company!

After paying my mortgage promptly for 10 years, the mortgage was about to adjust and double the payment. I had become unemployed and unable to locate a tenant at all. I called Suntrust Mortgage multiple times to try and resolve the situation until the house could be sold to cover the mortgage. They basically ignored my requests, would not agree to any modifications and negatively impacted my credit report even though I had presented a short sale offer that they had yet to respond to. I went from an upper 700 credit score to upper 500 because of Suntrust Mortgage. All in all, I would say they are the last mortgage company you should go to when seeking a mortgage. They will not help you if you get in trouble and they will do everything to destroy your credit.

I recently spoke with Suntrust regarding refinancing. After disclosing comparative rates, I was informed by the loan agent that I should simply stick with my current loan with them, an interest only loan, with an adjustable rate. "Do the math" was his amused response. Really. Our credit scores are 804 and 760. The loan agent neither offered to refinance or negotiate a rate, simply spent time amusing himself, admonishing me and mocked me for wanting to pay down the note and get a 15 year fixed (duhh). The fact that he was from India was especially annoying, getting a lecture from a foreigner. Outsourcing... Another reason to avoid doing business with them. Keep it in the U.S.A. WTF. Speaks volumes about Suntrust and how they seem hell bent on driving away customers. Good luck with that.

This is my second refinance with Suntrust. First one no problems. This time has been nothing but horrible. I signed up for bi-weekly auto payment however because only half a payment is made at a time my account always shows past due. I receive 3 or 4 phone calls every day and have also received two letters stating my account is past due. As a result my credit score has gone from 813 to 726 in just 2 months. Suntrust tells there is no issue. That is total BS. This is the worst bank ever to deal with. Once I find a good alternative I will pull all of my money from this bank.

SunTrust bought our loan as of Dec 1. Having been in the real estate business for years and having heard the horror stories of sold and transferred mortgages and people finding themselves in foreclosure shortly thereafter, I made and kept meticulous notes on the transfer process. I had to sent a paper check for the December payment. Fine. I wanted to set up ACH payments ASAP, so I meticulously set up the paperwork. I received another letter stating my ACH payments would start Feb with a payment of **. Fine. In the fine print was another message saying they would also pull an additional principal only.

Loan officer kept overlooking important details since the very beginning. His poor understanding of IRS tax law and subsequent ability to analyze tax return forms eventually costed me losing a house I wanted along with my security deposit. The bank would come up with their own ideas and assumptions despite providing the evidence of them not being accurate. My accounter spent hours educating him over the phone on certain nuances. However that did not work as well. I recommend to avoid dealing with Suntrust Mortgage department.

Several years ago I obtained a mortgage via Suntrust at a time when a well respected colleague worked there. She left a couple of years later because she said the place was falling apart. Since then, every single transaction I have had with them is delayed, done wrong, or generally mismanaged. I would say that 4 out of every 5 employees are incompetent or the system is so messed up that employees can't make sense of it.

Based off my experience and many colleagues I will not be using SunTrust Mortgage again. My experience with SunTrust has been horrible. I am in the process of building a new home and I was banking with a representative Mark ** in Tampa Florida area. Per my colleague's recommendations, I went with SunTrust. With my excellent credit they were giving me loan rate of 3.4 percent. At the last minute in 54 days prior to my closing he tells me that the rate is now 4.3. Come to find out he has done this and tried to do this to every single one of my colleagues at the last minute to get more commission. SunTrust left me without a mortgage at the last minute prior to closing. I went higher up the ladder to report him and with more delays they are now trying to close. Extremely unprofessional and unreliable.

Suntrust mortgage is the worst company I have ever been a customer of. When my husband lost his job they told us we did not qualify for loan modification and we could only do foreclosure or short sale. We chose short sale, but they said "You have to have no income." I was pregnant at the time and we were living in the house because it was better than the streets. Well, if there is no income, there is no money for utilities. We had to move in with family and now we are in debt. Turns out, we qualify for the HAMP program and the information they told us was false.

Suntrust mortgage pulled my escrow funds to pay for back taxes on a brand new property due to builders going bankrupt, causing an escrow shortage on my account. No help from loss legitimate unit, which caused me to file bankruptcy. My case was dismissed 9/2016. Now they are saying I owe 1 month mortgage. Sent in all my receipts and Shannon called from the President's office about not receiving paperwork faxed to them through a Suntrust bank. She then stated they received the payment coupons I faxed but they may not be sufficient enough to prove my payments have been cleared.

Even when your first mortgage is with Suntrust to refinance they act like they do not know you. Request you give them the average amount in your Suntrust bank account, give them history on your loan then eventually when you tell them you have all this including employment profit of direct deposits yet they want paystubs then 45 days later at closing, no one from Suntrust shows up then you are delayed because their lawyer was not given the proper payoff CD then it takes them three days to get you your cash out monies owed to you. Lastly, you won't have access to your new loan online as they have major glitches when you refinance within the same bank and it's been 40 days and they still can't get me access. Oh the best one is while this is going on just this week 45 days or so later I get a letter they sold my loan to Fannie Mae. You are treated as a number with Suntrust bank.

My refinance with Suntrust has been a nightmare like no other. I've always read the horror stories but to actually go through it yourself is a totally different thing. I feel lied to because I was told my mortgage wouldn't be sold like the rest of the mortgage companies do. I feel lied to also because it has taking forever to close. The process has been getting dragged longer than a regular mortgage completion takes which is ridiculous. The exact requirements weren't laid out in the beginning as they should have been. I should not receive last minute inquiries about things that I weren't told about from the beginning, especially when I fully explained my quitclaim deed situation. They haven't been treating me like they value my business or even care about me closing on the house. I should of went to another company.

My house suffered severe hail damage on July 28, 2016 requiring the replacement of three windows, a sliding door, gutters, siding, and the roof. My insurance company issued a $25,600 check to me and Suntrust. I secured a contractor who has replaced the roof and siding damage. Suntrust has come up with every excuse possible (paperwork) to not return the funds as of November 6, 2016. They will not inform me of the issues for weeks, until I call to inquire about the check.

An appraiser showed up at my door to due an appraisal because of a claim that I was behind in my payments and they were getting ready to apparently start a foreclosure. That information was total outrageous as the mortgage is current and hasn't been delinquent in over 3+ years. There is nothing in arrears. Not only is the claim wrong they didn't even notify me that there was going to be an appraisal and why. This mortgage company is horrible. Sent in over 400 pages of paper on three separate occasions to see about a refinance under HARP and after sending in the application 3 times in a year, they said: "oh, you have a VA Loan and it isn't eligible for refinance under HARP." This Bank is something you want to run from - don't walk!!!

Have had nothing but problems with this company. I was a month and 1/2 late. They taped a large envelope to my security door, that peeled the paint off. The girl told me, "If you paid your mortgage on time we would need to tape anything on your door." She told "File all the complaints you want. Nothing will happen."

Suntrust Mortgage is the worst and most unprofessional mortgage company out here. They are clueless and just do not care. They keep charging me more money for a "escrow shortage" twice a year!!! It's a scam!! My property is located in Newark NJ and I went several times to the city to verify my taxes and they told me over and over again that there is NO change. Suntrust Mortgage just keeps raising my monthly payment and keeping the money. I called a million times and they are always "investigating", "following up", etc. I hate that I have to refinance and spend money in order to leave this horrible company. I'm even thinking on going to talk to them in person wherever they are because it's just an abuse. I want all the money back that they kept during these "shortages". I will get it back.