Truist Mortgage Reviews

Nowhere else in the world would a business as large as Suntrust be able to scalp hardworking citizens trying to do the right thing in plain sight over and over and have the agency responsible for policing their behaviors turn their backs and close their eyes. I have provided them enough information to do a full on investigation and I bet it was thrown in the trash. No one cares and not one federal regulatory agency gives a damn about what this company is doing. Obama created a mortgage fraud subcomittee to investigate these very issues and they never responded to my 10-lb package of documentation.

My story is the same as many... the company along with our realtor somehow convinced us we could afford a mortgage 400% above our DTI. We were desperate and fell for the razzle and dazzle of the Suntrust loan originator. All my concerns were met with "Leave it to the experts", "Would we give you something you couldn't afford to pay?" - That is what I was told as I challenged their offer. 8 years later of paying this unaffordable mortgage on time to the detriment of every other bill and our once stellar credit rating, we fell on some hard-times. 3 brain scans required almost $18000 in medical bills we had to pay or could not continue treatment. There was no choice for us.

We put the home on the market 3 times and had not one offer (due to market's response from the fraud of 2009 that when unpoliced). We were stuck. Big time. We were caught up in the mess from the first slip of banking regulation and now we are caught up in a second wave of consequences of government lack of banking/mortgage regulation. Somehow the average citizen always ends up paying the price for our politicians' intentional sleight of hand. We forgive them, forget and move on - but how much more can we afford to lose? We have nothing left.

So, We asked for loan modifications. Suntrust lost our paperwork 5 times. No one was ever there to speak to. Our loan modification rep who Suntrust said we had to speak to was always out, in training or on vacation. Kind of like Leinhard and Obama. I wonder if they all went somewhere together. After sending the extensive financial packet in 5 times - the company lied and sent us a form letter saying we never finished our paperwork. UNTRUE! Every time it was completed, they needed one more thing. Yeah right! Who needed one more thing?

I visualized an empty office with phones ringing off the hook and people's loan mod packets piled up outside a locked door. This lack of having adequate information or any information as well as never being able to speak to anyone was their way out of having to work with us and delaying their response just long enough to surpass any point where help may have been successful. We are not stupid consumers. Gullible yes, stupid no. After all that...

Suntrust sent a peeping tom to my house who actually peeped in my bedroom window. They didn't tell me they were sending anyone out. Scared me to death and I called police. I also called Suntrust but they kept putting me on hold. Never was able to speak to anyone. There was a Post-it note handwritten in illegible handwriting saying he worked for Suntrust on my door as he sped off. After missing only one payment, we started getting foreclosure notices and peeping toms - Really? After 8 years of on time payments..

Suntrust then increased our payments 100%. They used the loan modification requests, all 5 of them, that they denied ever receiving - as an indicator we might be in trouble. So, instead of helping us - they increased our payments so they could swoop in to retrieve all 8 years of equity. Don't forget if they retrieve our home, they make out like bandits. Freddie Mac reimburses them a good 60+% of our home value. They get a couple hundred thousand in equity and get to resell our home for close to full price. They set people up intentionally in a calculated preplanned way. Suntrust probably hires statisticians to predict based on application data how long a client can pay before default and how much they will make off each client. They are predators backed by insider information and so the average American citizen doesn't stand a chance.

Shoot, the same Suntrust owns payday loans franchises and the government allowed Suntrust to branch out into this business seeing no conflict of interest. If you prey on victims in small ways, you will prey on people in large ways as well. Company culture is company culture - Mr. Leinhard promised to expand Suntrust's reach and profitability when he took the helm. Boy did he - he jumped right in to the gutter/dark world of intentional defrauding of clients without any hesitation nor fear of government of oversight.

I am angry because we pay our politicians to keep us safe through regulation from big business like this. We pay the price for I am sure some type of kickback these subcommittee members and regulatory higher ups are receiving from Suntrust to look the other way - they have used us to pad their own pockets. No politician in touch with their consumer base would have voted to allow a mortgage company to branch out into the payday loan business. The two styles of business are not at all compatible from a business ethics perspective.

The mortgagee will not receive any help from Suntrust nor Obama's Home save funds - what would the payoff be for the mortgage company? They make out better foreclosing. Good old Obama-preaching mortgage help. This is another hot air smoke and mirrors scam. Nothing is there. After becoming buffered by Suntrust for 2.5 years - we went through Bill ** with SC Help, one of Obamas home save initiatives. Submitted all of the same paperwork we sent to Suntrust and we were told not to even apply because we didn't qualify. Then back to Suntrust.

Out of the blue we received a letter from Suntrust - 2 years later, saying we were denied our loan modification, we weren't far enough behind. Remember they never received any of our 5 packets - so how could we be denied. Interesting?? Then this is when they advised us we were not far enough behind in our payments and that the only way we could qualify was to stop paying. We were only one month behind. So we did as they advised and one month later they escalated our payments. The bait and switch technique. When we called to inquire what had happened - we were following their guidance - no one was available to speak with us. We left 28 messages and never received a return phone call. I bet if even one politician required a mortgage and had it through Suntrust - none of this would be happening. But just like with healthcare, they don't have to deal with the market nor industry they have created for the middle class.

At this point, I could care less about the house. They have beat us up so badly I don't have the energy left to fight them. I have invested almost 3 years into working tirelessly trying to get Suntrust and the government to care. We are on our own!!! Until we oust the lousy self-serving politicians who have created this rogue anything goes business environment, the middle class will continue to disappear. At some point, this is all going to hit the fan. The rich may actually have to step up and feed not only America's people in need but also America's middle class who have been devastated financially by this administration and its covert relationships with people like Leinhard. Like a freight train, it is coming.

This isn't the first time folks. Did we not just experience this same banking type culture less than 5 years ago? Somehow, Leinhard and Obama have to be in bed together otherwise so many good, hardworking citizens would not be the victims of so much insider-loving going on in DC. BTW, I voted for Obama.. So I am as much to blame.

Now after finding out this, they had closed our case and now are scrambling to re-open it so they say but now all we are getting are letters that we may foreclose again. One human error could cost us our home and no one wants to own up to it, even though the new loan modification was sent to the wrong state. I have been making my payments; however, I am unsure if they are going to accept the funds anymore. It's been over 5 weeks and no new package. I may have to lawyer up again. Ugh!!!

I have a 1st and 2nd mortgage with them. Suntrust claims somewhere in 2010 or so my mortgage payment(s) went up. Instead of them notifying the trustee (since that's who they're receiving payment from) of the increase at the time, they said nothing. Once it came up about my case getting discharged or near completion, they proceeded to bring up all the money they claim I owe from the years prior. I was infuriated! As a result of this, they claimed there was a problem with the 2nd mortgage. I finally got that cleared up (which took months), now they're saying there's an issue with the 1st mortgage. The Chp 13 plan is suppose to last 5 years, but I'm entering 6 years now, thanks to Suntrust.

What adds salt to an already painful wound is I always paid them on time prior to my divorce situation. They don't consider anything about your circumstances or your previous good paying history. They're greedy and just want more money! DO NOT deal with Suntrust Mortgage! Never shall I recommend them to anyone and will do my best to refinance when I can.

Not only did they take two payments they applied the second payment to principal, not even a payment ahead! I thought you had to specify money to go to principal otherwise it is just the next payment? DO NOT DEAL WITH THIS BANK! I would not be in a house I hate if she had not scared me into it by lying to me.

Please go online and review the Homeowners Bill Of Rights that California recently signed into law last year. Notice how one of the states with the highest rate of foreclosures is now protecting their homeowners. If citizens in each state would contact their Attorney General & Governor's office to see what is necessary to get a Homeowners Bill of Rights signed into law for their state, we can fight against foreclosure schemes from SunTrust and these other mortgage companies who are causing hardworking Americans that are trying to save their homes to lose their homes. Knowledge is power and we must begin to use it effectively and stop allowing these banks and mortgage companies to commit fraud against us. If you care to comment email me.

After my bankruptcy discharge Jan 2010, Suntrust left the home sit vacant for 3.5 years before they moved forward with a foreclosure. If you don't already know, a foreclosure sale after bankruptcy is legal and expected of the bank. The law does not dictate a time limitation for them to take this action. Also know while the deed is in your name you have rights to live in the home until the foreclosure. Wish I had known that fact in advance! While I no longer had a mortgage Suntrust continued reporting for over 3 years that I had an open mortgage and was defaulting on payments. I finally got that issue resolved but not because Suntrust would correct it by my contacting them directly. Make your complaint directly to Equifax, Experian and TransUnion.

So while you're working hard to repair your credit and ready to move on with life, be prepared to wait! The foreclosure and deed must be out of your name for 3 years before you can qualify to purchase; Fannie Mae guidelines. The fact you may meet the guideline of 3 years post bankruptcy and no longer have equitable interest in the home isn't enough to qualify for a loan. I'm a realtor and while I struggle with this personally I see clients and friends struggle with these issues as well.

So insult to injury Suntrust completed the foreclosure 3.5 years after my bankruptcy. They succeeded in outbidding other interests and purchased the home. However they waited another 6 months to transfer the deed to their name. What this means for me? While I'm now 4 years after the bankruptcy and ready to purchase. I have to wait another 3 years because the deed just transferred Dec 2013. Suntrust should be accountable for the problems and personal injury in our lives. And we deserve to be compensated. Please take action.

They rejected my payments and forced me into default and destroying our credit with it (we had a credit score of 815 and 807, now both are below 500). I have been reading the responses from people's other dealings with Suntrust Mortgage. My wife and I have been battling them for 4 yrs now. I feel that Suntrust Mortgage may have gotten to my lawyer. At first, the lawyer was all excited, he checked out our case and even read through an independent audit (that rescinded the loan, due to non-valid contract). My wife and I had purchased to find out if the escrow account was being handled right. The audit found many violations and our new lawyers concurred right from the beginning. But now after a court mandated discovery my lawyer will not let me know what's going on, but keeps billing me for research and discovery charges.

I get an invoice for about $500 - $700 every two weeks. But no action. Suntrust Mortgage has never had an office in our city but they do now. In the last two weeks, I have seen advertising for them. My lawyer is a nice guy, but I feel as thou he may have been compromised. I have no proof, of course and I hope I am wrong. I have dealt with many lawyers in the past and sometimes you get good ones and then there are other times you get bad ones. My brother-in-law has a similar situation and he just received a letter of settlement from them (Suntrust Mortgage). It was not much, but they want him to sign a letter releasing them (Suntrust Mortgage) from all damages.

So I'm looking for another lawyer to help me out. I know these blogs are looking for emails sent thought their website, and will strip them out, so if anyone knows of a good lawyer I would appreciate it. I live in Albuquerque, New Mexico and my email address is **, of course no spaces and change the word at to a symbol (number two while holding down the shift key). Please I need help to continue with my counter suit.

I continued calls and finally was told that I had been denied 2 months earlier and I was in foreclosure. I wanted to send a cashier's check immediately to reinstate my loan and was told "No". I had to go through attorney. I knew this was wrong - very wrong but couldn't fight this on my own so I did contact an attorney I had known for years. I knew he would tell me if I had a case or not - I would get the truth. He took the case and after 4 years (since my TPP was supposed to end), we went to trial and the judge ruled in favor of me - the defendant. Yes, it is possible to fight and each case is different but don't just give in. Check this case in public records, Orange County, FL.

Recently we ran into bad times as I lost my job and living on one income. Suntrust Mortgage took advantage of that and sent us these so-called programs to help us save our home. HELP was one and a so called "Home Preservation" was another one. We were told we were not eligible for the so called "Hope" program which after researching it seems hardly anyone qualified, it's a scam. Next we tried the "Home Preservation" program, gave them a lot of personal and financial information. We were told within thirty days we would receive an answer.

Meanwhile although we were behind we kept sending a payment every month. We received a letter telling us that our mortgage was being sold to another bank M&T, a bank with one of the worst ratings for customer service and honesty. We were supposed to have an answer by December 16 on the modification. So conveniently our loan was turned over on the 15th. Suntrust so called" Home Preservation" person that we were working with, suddenly is "unavailable". My husband talked to three different employees of the bank in different departments and they all gave the same answer, "we can't tell you anything."

Seems to me this whole thing was a farce to get information from us to sell to M&T bank. Nice after giving Suntrust our business for at least fourteen years. I am sixty years old and going to be forced out of my home more than likely, nice, thanks Suntrust!

We kept checking county records to see when they took possession and they never did and then about mid-November the collection department began calling our cell phone numbers that we provided in the October mailing and they are asking directly for my dead relative. When I explain that he is still dead and when are you taking back the house, I basically am told that they are not authorized to speak to me? Then I am not sure why they continuously keep calling for him. We mailed another letter with another copy of the D.C. last week so hopefully they do what they need to do get their money - which is the house!!

Bank could not find my papers so I had to resubmit. Was current with all mortgage payments to this point, but knew I could not stay current due to current financial hardship, my wife had lost her job for 3 months and I had been hospitalized. At this point, credit score was over 760 and worked for same employer for 15 years and had 0 late payments on mortgage. Suntrust should have contacted all of their former "loan modification specialists" clients and let them know she either quit or was terminated. Instead, the solution was to blame it on a phone system.

Filled out modification paperwork again and resubmitted over a three-month period since each new submission made a "properly" completed section out of date. When I questioned why this process was not conducted at the branch level, I was told that the branch employees did not have the specialized training. After speaking with "loan modification specialists", I realized that most received less training than an Avon rep.

Does Suntrust intentionally use improperly trained and uneducated employees to operate the program? For a government agency to review. Might suggest the same government that lent them TARP funds check money trail. Would be curious to benchmark the education level of a"loan modification specialist" versus a mortgage specialist at any of their branches. Using Branch-based employees would definitely have expedited the process. Was denied modification. Found out during the process that Suntrust had actually sold my loan 4 years prior to Wachovia, now Wells Fargo, yet I didn't know. Suntrust rep referred to Wells Fargo only as the investor. Guess they didn't know the word **.

The only paperwork I ever had for the mortgage listed only Suntrust . After denial I found out that I should have obtained professional guidance for filling out the forms. The accounting process they use is as complicated as the IRS tax code. Gross income is not a barometer for prosperity. If I had been able to modify the percentage on my loan to 4% from the 6.75% it was even for two years, I could have survived it. Now I have opted for a short sale. Disgusted to be 50 and have to walk away from my home with three teenage children who grew up in the house. Everyone I can discredit Suntrust to, I shall.

(8) that she would unlock my online Suntrust Mortgage username and password so that I may view my mortgage account online.

I immediately renewed my Suntrust Mortgage log in information and immediately printed all payments made with Suntrust since 11/2001 to confirm that I have never missed a payment with Suntrust Mortgage who I've had numerous problems with since they purchased my loan from USA Mortgage last year. I called my credit union and requested they fax the copies of the checks that Suntrust cashed and also asked my credit union how Suntrust was able to cash a check that was older than 90 days. My credit union informed me they should not have been able to cash it.

At lunchtime I called Suntrust Mortgage again to find out if they received the fax and to find out when my credit union account would be credited. I spoke with a woman by the name of Alfreda and after getting nowhere with her, requested a supervisor. After holding I ended up speaking with a man by the name of Kahran ** and was informed by him: (1) Suntrust was not missing a payment from me; (2) that I wrote two checks; (3) would get everything into the research dept; (4) would contact by phone when he found out anything; (5) understood that it's my money and it shouldn't have been taken; (6) would get everything escalated; (7) wait for the rep to contact him so he can get everything into the cashier department and get everything fixed for me.

At 5:17 I call Suntrust and spoke with Christy ** who informed me that my money would be refunded on the 19th. After telling her that that time frame would not be accepted, I asked for a supervisor. Keisha ** came on the phone and I informed her that I was not waiting until the 19th for money that was stolen for me to be returned. I demanded a check be overnighted to me. Ms. ** informed me that she sees that a previous supervisor had the refund expedited and that the transaction was put through that same day. She put me on hold to check the status of that expedited transaction, came back on the phone and informed me: (1) put a rush on request and that there was a 24 to 48 hour turnaround time; (2) that she wasn't sure how Suntrust could cash a check that was written over 90 days ago; (3) research takes 24 to 48 hours and that research would inform me of how the old check was cashed; (4) and that Mr. ** had left for the day and that he would call me back.

Also, I signed on a newly modified loan w/ an effective date of Jan. 1, and the loan doc stated the first payment was to start on Feb. Per the contract, no payment was required in Jan. and I made payments in Feb. and thereafter. SunTrust however reported me as late in Jan., and then reported me as rolling late for several months even though I complied w/ the terms of the new 30-yr mortgage contract. The mortgage escalation resolution team continues to state that the late payments were accurate notwithstanding the contract.

Has anyone else had similar experiences? Pls share. I'd like to know if this is a company wide practice.

In 11/12 SunTrust said it wanted more money. $165k. Our buyers agreed right away. On 12/1/12, SunTrust says they also want a $114k promissory note from us in order for the short sale to be approved. We immediately communicated that there was no way we could possibly sign/pay such a note and that such a demand would just push us into bankruptcy. We dismissed our attorney with the hope that we could go back to working directly with SunTrust to see if any other result could be had. In 05/13, we submitted all new short sale docs. There was also a hearing on the foreclosure in mid-May wherein the judge delayed the foreclosure sale by 90 days to provide time for the short sale to be completed. This 90 days put the foreclosure sale date at 9/11/13.

Two weeks before this date, SunTrust again said they wanted more money - $184k (with no mention of any promissory note). Our buyers agreed to this increase right away and we got the paperwork back to SunTrust within just a couple days. The day before 9/11, SunTrust communicated that they also wanted a promissory note from us for $114k. Of course, we again communicated we could not possibly sign/pay a $114k note and that such a demand would push us into bankruptcy. Needless to say, our house was foreclosed on the morning of 9/11.

I have had several professionals in the real estate business who have told me that they have NEVER heard of any bank ever making such a demand in such an amount. We also have no idea where the amount of $114k came from. It seems arbitrary. Actually, if you add $184k and $114k, it equals an amount above the outstanding balance of our mortgage. How can anyone believe that not communicating this note demand to us until the day before the foreclosure date, after they had 90 days from the date it was set (and actually more like a year and a half from when this all started) was not underhanded??

I have communicated with a Fannie Mae representative who said it was SunTrust who made the demand for the note. However, SunTrust says it was Fannie Mae who made the demand. Well, which was it?? The bigger question is, how could either of them think our family, with the income we make could possibly sign/pay a $114k promissory note. My husband is a PASTOR and I am a stay-home, homeschool mom. We squeak by from paycheck to paycheck. We have NO assets. No savings. Nothing. They have known this from the very beginning. If they don't normally make such demands from clients (per every single real estate professional I have communicated with), what is different about our family that they are choosing to make this demand?? The ONLY difference I can think of is that my husband is a pastor. Does SunTrust and Fannie Mae discriminate against pastors? What else am I left to think??

In January 2011, then the representative told me they actually made an error and we were not approved. Suntrust then told us to reapply for modification which we did in February 2011 and then in August 2011 Suntrust told us that due to Imminent Default Indicator (IDI) test, which is an investor requirement, we were NOT eligible anymore. The reason that our loan failed the IDI test is because they had to now add interest from April 2010 to August 2011 which is $34,640.00.

Between April 2010 and October 2011, we have gone thru hell, calling them every week to follow up and whenever they needed updated documents we got it to them right away. Their mistake of not telling us in April 2010 that we were denied cost us $25,980.00 extra. IF we had known that this process will take 26 months and then they would just deny the modification, we would have just refinanced our home. I believe that Suntrust doesn't care about their borrowers and want to mislead them just to collect interest because they make more money by collecting interest only rather than helping and lowering homeowner's payment. VERY BAD EXPERIENCE!!!

SUNTRUST had initiated a Foreclosure process without being able to prove the right to foreclose - no verifiable proof of PHYSICAL POSSESSION & LOCATION of NOTE & TYPE of Debt Instrument was being collected by their Servicer! The same predicament prevails with new Alleged Loan Servicer & its Principal(s)-Investor(s)... The questions that remains to be answered: WHAT TYPE OF DEBT INSTRUMENT IS BEING ALLEGED, COLLECTED FOR AND REPRESENTED!? The intent of Borrowers is to settle debt.

I am now out $2,000 (earnest money, inspections, MLS listing, etc), and Suntrust acted as though it was no big deal. Absolute worst lenders ever. I just had another lender pick up my account, and luckily can still close on the same day. In addition to never using Suntrust Mortgage again, I am also closing my checking and savings accounts with them. Save yourself a lot of headache and go with anyone else. Absolutely AWFUL experience.

I checked my credit report a few months ago and Suntrust states that I am not current on my payments and that my house was included in my bankruptcy. After several attempts speaking with Suntrust's bankruptcy department and a letter from my attorney, Suntrust refuses to make the correct changes to my credit report. Finally, Fannie Mae told me to contact the "Consumer Finance Protection Bureau". Immediately, I received a call from someone at Suntrust advising me that they are in the process of resolving this matter and that they will be in contact with me every 7 days until it is resolved. I have never had problems like this with any mortgage company and I am hoping for a resolution soon.

The value of the home remains unchanged from when the original mortgage was given. As I said I am now and have always been current on the loan. My credit rating is over 800. It took weeks of calling all the numbers possible to get anyone to return my call. I called 3 levels of SunTrust associates. The original contact never returned calls. Her boss did not return calls. I had to go tot he local SunTrust branch to get them to call and ask the mortgage department to call me. The SunTrust branch associates were also unable to get return calls for days.

When I finally did get someone on the phone from the special mortgage group they explained they did not understand the original documents I had supplied so they just went ahead and sent the number of what I needed to pay before they would sign the release. When asked why they did not call to discuss if they were not clear there was no response. I am still at this date, Aug. 14, waiting for them to return my calls and to let me know if they will adjust the payoff amount to release the funds. They refuse to give any timelines or reasons for delay. While this is all going on I am unable to get to the funds needed to make the repairs caused by the Gas line install.

Frustrated is an understatement of where I am right now. If I had known this was how things would be handled back in May when I started the process I would have paid the mortgage off in full and gone to a real bank with professionals running it to refinance my mortgage. At that time, the rates were at least 1% lower. They have cost me money and headaches and to this point not even a sorry or even a definitive timeline when this nightmare will end.

"Our records show that your concerns were addressed by our Client Service Department. I hope this information proves helpful. If you have any additional questions or comments, please feel free to contact us. We look forward to satisfying your financial needs."

Obviously, my answers weren't answered or I wouldn't be contacting you. See? No straight answers. And of course this was from a Do Not Reply email address. My "home preservation representative" is apparently a figment of my imagination, because I've never been able to get him on the phone for like 6 months. I am very unhappy with the service I've received as a customer, and will glad when my home sells to be rid of this company. Do not choose this lender for your financing needs of any kind. There is no complaint department to address your concerns. And even if there was, something tells me that would get you nowhere anyway. That overall rating of "1" is legitimate.

On top of all that Sun Trust goes and sells my loan to Select Portfolio Servicing (along with a rather large group). This is just the tip of the iceberg. In the last 5 years I have jumped through every ring of fire they asked me to do, I stayed in contact with them each week, sent in copy, after copy, after copy. I completed a 3 month forbearance with them, only to be told they can't help me. When I filed a complaint against them I called them & again they were so happy to get back to me until I started to inform them I knew all about what they did to me. Of course they are not able to find any paperwork on anything I told them.

The latest stab in my back from Sun Trust was finding out that this whole Independent Foreclosure Review thing I am getting a whopping $800 check. They have ruined me, ruined millions of others and are allowed to choose what they feel fit to do to repay us. Funny if I break the law I don't get to choose my sentence. I am so sick to be an American right now, I am so damn mad I don't even know where to begin. Now I have to try and come up with money to sue their butts over all this. I somehow doubt that their big payment of $800 will help any.

I think they didn't know how to interpret basic financial data. I work in financial area so am well familiar with mortgages and requirements. Still, they were a nightmare, even asking for the source of a $400 checking account deposit when we easily have enough income to come up with a $400 deposit into a bank account. They questioned every little thing and harassed us for something new every day. FINALLY, we had a commitment letter and appeared to have met all their conditions. This took over a month. BUT IT WAS A CONDO. First, they said they needed condo POA to complete a questionnaire for the bank. POA CHARGED US $125 and we overnighted the check to the POA so that they wouldn't hold up our mortgage. NEXT, they needed the appraisal to do the condo review. Done. Appraised for more than our purchase price. THEN they wanted our homeowners' insurance which was not even required because the condo master policy for POA is walls-in. Our insurance agent had to explain it to them over and over.

ONE WEEK prior to our original closing date, 5 week old application, we are told there is ONE MORE ITEM: The POA has to be bonded (against theft) and the bond wasn't high enough. Mortgage officer, what a joke to call him that and make him sound important. He was just a cheap (bad) salesman playing telephone to conduit information from his idiot underwriter team. A bunch of illiterates on a big power trip. Went from Friday into the following TUESDAY, now a FIVE WEEK application process, and said every day he didn't say the mortgage was declined, they were trying to find a way around the bond not being for high enough amount. Which they never did. FINALLY mortgage "officer" clown tells me the bond wasn't high enough and couldn't meet Fannie/Freddie guidelines. This after they pounded something like 400 pages of documentation about our entire lives out of us.

They got a tax bill from me for an investment property we own and then they said it wasn't for that property, but we don't OWN other investment property. Of course it was for that property! They didn't understand anything and they hounded us so that I was almost working full-time to satisfy them. VERY WRONG they turned the CONDO - a very high-end community in North Carolina. VERY well-run and greatest reputation, and they declined loan due to the CONDO. So I've called around. ALL the other loan officers with other banks in that area, said they get that complex loans all the time, no problem. They couldn't believe it. The POA management co. and my realtor said they get mortgages in there all the time, no problem. I may lose out on the condo over this. The sellers have told their agent they think it is US, OUR credit, OUR ability to get this loan, which it absolutely was not.

Now in these five weeks rates have gone up, maybe that was their scam. They didn't want to lock into a lower rate after rates increased. My realtor, who lives in that same complex, said he's never heard of this. It's like they were TRYING to deny my loan, for which we are SO well-qualified. I've never been denied a mortgage in my life; very embarrassing and the time that I lost from work, I couldn't even explain it, to do this. SO fed up and at the end the creep loan salesman didn't even apologize. STAY AWAY FROM THIS NIGHTMARE EXCUSE FOR A BANK. STAY AWAY. STAY AWAY. Another local bank rep in the Myrtle Beach area from a different bank told me that Suntrust takes over 90 days to close a loan UNHEARD OF.

The title agent talked to the Suntrust negotiator who said they were looking for $24,000. The investor put the cash in escrow and submitted an addendum to their initial offer, meeting that price. This was submitted on 6/28. Suntrust took 5 days to say, "No. We cannot accept that offer because we do not have time to review the file. Fannie Mae requires 15 days and it's already 7/2." It didn't matter that they had the offer prior to their 15 day cut off. No budging. No negotiation. They took 5 and a half months to turn down an offer, but couldn't take a few days to "review the file." So today, the house was "Sold to Plaintiff"... and now they have it as an REO. They could have just taken the cash.

We're currently facing the court throwing out our case and having to file again or move or who knows what. I feel like I'm a fly in their scummy, scammy trap. It's got me depressed, despondent and defeated with apparently no recourse. Their minions must seriously have to snicker at what suckers people like me are - letting myself be trotted along for a year. I feel like such an idiot.

So a year went by and we got a letter from the attorney telling us that they had set a sale date on the courthouse steps to sell our home. So I called again for it's in review and she asked to fill out the paperwork again because pages were missing. So I did that and faxed it in. Time went on and they postponed that sale date because they said they needed more time - this was the day of the sale. A year and half had gone by and I was still calling to see where we were standing at and got again "in review". I asked about payment because they were reporting us late every month. She said she can't take them so they have ruined our credit.

Their attorney set other sale date on the home and about two months after he did that, Suntrust Mortgage transferred us to another company; they did not contact us about the loan modification at all. So this other company had the loan now but the worst thing was that SunTrust would not turn over the paperwork to them till they sold it on the courthouse steps and they did. So not only did they ruin our credit, they also stole our home. I would not send anyone to the company because they are thieves and lie about everything. They are very poor business people. Still today, I have never heard why this happened. I have called and they said, "We don't have a loan with that name," and they took our escrow money along with it all.

I sent in the documents that are missing and checked back with my negotiator a week later. My assigned negotiator stated the file was complete and will be sent for review. A couple of weeks later, my negotiator called me to state 4506-T form needs to be redone because the dates are incorrect and they now need updated bank statements and pay check stubs. A couple of days later, I sent in the information requested and called the negotiator to ensure she received it. I was informed my back up negotiator the paperwork has not been uploaded into the system and the file has been closed. I talked with my assigned negotiator to inquire what it will take to get the file open. She gave me another list of paperwork that I have not received before. She stated once she received it, she will send the file to be reinstated.

Within the same day, I sent in the paperwork requested. I checked back with her to ensure she received it. She informed me she has the paperwork and the file is in review. Months go by with the same scenario. On June 26, 2013, I received a call from my negotiator stating the file cannot be opened because the application has to be re-written and the 4506-T is not filled out correctly. I informed my negotiator I will send in the paperwork and shared with her Suntrust Mortgage short sale process does not work. It is antiquated and inefficient. The buyers are going to move on to another home and my clients and sellers are losing patience. She said there is nothing she can do. Can someone/entity or government please get involved to change Suntrust Mortgage ways of conducting business?

Of course, one paper was not filled out right so I filled it out again and faxed it directly to her. Three weeks later, I received phone calls to "call immediately." I tried for days to call back, reach a supervisor or any human being in the office, but all I got were message machines and dropped calls or dead air. Yesterday, I received a new modification application packet again. I am so tired of this and want to tell them a few choice words for all of the games they have played. Is there any hope in getting an attorney or filing a complaint? These people have no conscience!

I got the same cookie cutter letter after redoing all the forms as though I had sent nothing in. I would get a phone call from an agent assigned to my case, and when I returned the call, he was never able to answer the phone. 5 days would pass and then he would call back always at the end of the day when I was in traffic. I would call back and another 5 days would pass before he would return the calls. I left messages to please email his concerns to me and was told by another agent (unable to help) that due to security concerns, they could not use emails (then you would have documents of proof they were delaying the process).

This is not a "Home Preservation" dept. It is a home destruction dept. You have to be an attorney to fill out these forms exactly the way they want them. If you forget to dot an “I”, they reject the forms. One line asks for additional income, which I filled in and was later told I had to leave it blank even though I have additional income and there is no other place to put it on the form. This is not rocket science! I am paying 6.5% and they can give me 3% to stay in my home. Or, they can foreclose on it and auction it off for half of what I am paying and bring down home prices in the neighborhood by doing so, further destroying the economy.

This needs to be streamlined to help homeowners stay in their homes. Our utility bills are skyrocketing for no reason. Costs are going up on everything. Consumers are getting gouged and taxes are going through the roof. They claim they want to help homeowners keep from losing their last lifelong investment? It's a joke! Chase is no better; they all run the same scams. My Physical therapist has been trying for two years!!

Last time I refinanced, there was a month or so that I didn't make a payment due to the refinancing so I thought this was a similar situation. Vicki did not instruct me not to pay, but she also didn't tell me that I needed to remain current to qualify. A week or two later, I received a call saying I was qualified for refinancing and I would be getting a call with details. I received a call from someone asking about my payment history. I answered all the questions and then the following day received a call from Vicki. She told me I was denied refinancing due to not making the March payment. I was, of course, very surprised and asked what could be done. She sharply told me nothing. I need to get caught up on my payments and reapply in six months.

I then got a letter in the mail saying my house was going into foreclosure if I did not pay the balance by May 5th - less than two weeks away. I called and spoke with Karen, Vicki's supervisor, the following day. She said not to worry and would see what she could do to help me. No promises, but told me not to stress about it and she would call me later that afternoon. Two days went by and I didn't hear from her. I called back. I explained my story to at least five people with no help, only transfers and pass offs with no answers. Finally I got Karen's assistant, John **. He was nice, professional and always answered my calls. He told me Karen was on vacation and would be back the following week, but knew I was pressed against a deadline and would try to have her call me sooner. She did not.

The following week I called her Monday. She was still on vacation according to John when he got my call. Told me she would call me when she returned on Tuesday. Three days and at least 4 calls later, I finally got through to Karen - thanks to John. At that time she told me there was nothing she could do and I just needed to make my payment. I could call another number to see if a payment could be deferred, but she doubted it. So having one business day left to pay before my home is to go into foreclosure, I called to make a payment and bring my loan current. I was told my balance is 0. I was of course confused. Apparently, my loan had been sold and no one could tell me this? My loan was no longer even through Suntust. Had anyone even looked, they could have seen this. I was not notified.

So I am now working with another loan company. I have never been more upset and frustrated as I have been the last 2-3 weeks dealing with this nightmare and thinking that I am going to lose my home. The lack of follow-up and communication at Suntrust is awful and has caused me a great deal of heartache. I have never made a formal complaint of a company before, but I couldn't just sit by and allow myself to be treated with such disrespect without saying something. I thought financial institutions were supposed to be helping people, not causing them more anger and frustration.

I got four letters in March from Suntrust acknowledging their errors, saying they would correct those months. But they did not. When I contacted the Office of the President again, a woman told me they would not abide by their own letters! And they reported me delinquent in January when one of my payments (made on time) wasn't processed correctly due to a typo, even though I contacted Suntrust to ask if there was a problem and to offer a replacement payment. Long story short: They have ruined my credit for a year, refused to correct their errors, hung up on me, been rude, have destroyed us financially! These people are ruthless and the absolute worst!

My last submission on 3/5/13, it took two weeks to upload my paperwork and still has not been reviewed. But I am getting robo-calls requesting to submit another entire package of paperwork, requiring W-2s, bank statements, hardship letter, financial statement, pay stubs, etc. What happened to the last set of paperwork? I swear they are doing this on purpose so they can justify keeping a large staff employed. All I want to do is to reduce my interest rate, which is now a staggering 6.625%. The savings would allow me to include taxes and insurance and still have a similar payment, whereas now I pay everything separate.

I feel strongly that Suntrust is playing games with me. I don't know if they don't have a program for me or better yet, maybe they want to force me out of my home. I am very, very upset and angry about this and I wish someone would do something to stop them.

2 years later, we wanted to refinance for a sweeter deal. Credit score was now 819. House appraised at approx $500K. Still, we had no other debt. I wanted to put $10k down on the principal and refinance $255k. Loan to value ratio was at 50%. Weekly, for over 100 days, I sent more paperwork, check stubs and bank records than I could possibly count. It just went in circles. I was told not to make payment because "we were close." I got over 60 delinquent calls from Suntrust Collection with no understanding I was trying to refinance with them! "It's not us, it's Freddie/Fannie," was all the response I could get. BS, I've seen too many people with less equity, lower credit, more debt and breeze through refinances. Finally, after 3+ months of this, I ate the $431 appraisal fee, told them to stick it. I refinanced 10 days later with another company.

Twice, I trusted SunTrust. Twice, I was overqualified their requirements. Twice, they took over 100+ days. Twice, I listened to all their excuses. The business model is asinine. I'm fully convinced that Suntrust's underwriters are probably not homeowners themselves, and they sure as heck have never built a house. They couldn't jump through their own ** hoops if they have.

They tried to cheat me out of my $1000 down payment by trying to eat up this money in their closing costs. Never was I told I was approved for the loan despite a closing date being established. Their paperwork heading states: Truth In Lending. What a joke! They will not refund the $450 application fee and have, to this date, never sent me a copy of the appraisal. I bought this home myself with closing costs of $1070.00. I feel very sorry for the folks who have no choice but to deal with this bank.

While house still listed, my realtor took someone to show the house and locks had been changed on my doors. No one contacted my realtor knowing the house was up for short sale. Oh, it gets better. My house has been in my name for 4 years just sitting there empty! This house has been in foreclosure for 4 years and they just keep trying to dig deeper to destroy my life and credit! Oh, trust me when I tell you this is war! I am not going to let these non-educated people get away with this. How could you run a mortgage company with people who don't have any knowledge of mortgages? Good luck to all who have to deal with this nightmare of a bank!

We got the loan modification's final paperwork. This was the last thing Suntrust needed. They said from 13% interest rate, they would match the first mortgage at 4.3%! We sent all the paper, then they kept on denying the modification. Yesterday they called us and said they could settle for less and we could get rid or the second mortgage! We are scared from reading all this stuff that the government is allowing Suntrust to do this to us American citizens! Suntrust has taken $70,000 in interest from the $80K loan we started with and now we still owe $80K 7 years later. Now they said they will transfer the loan if we don't send them cash to settle.

Please help. We are afraid that they will steal my mom's money and the money she is borrowing from her sister to help pay! They need money by Feb. 25. What should we do? Please help our family. My dad just had a cancer tumor taken out of his brain 2 months ago. We have so much stress and no conclusion or help. I can't believe the government allows Suntrust, Nationstar and Aurora Bank do this to people. This is not fair. Please call me. We are in need of the government's help. My dad is doing radiation, losing all of his hair and afraid we will lose all our money! Please help. We live in New Jersey! Please help!

The Good Faith Estimate came back with a locked rate for 91 days. Surprisingly, our rate had been locked as of our phone conversation, although we had never initiated it and although January was a long way off for a closing, it probably wouldn't take that long. 91 days was just "in case." Like other comments I have now read, we needed to submit or rather resubmit some papers before the loan could go through underwriting. That delayed things. We called to inquire and everything looked good. Papers had gone to the underwriter.

Shortly before the January deadline, Suntrust wrote a revised GFE and an extension on our rate. We called and wrote to the underwriter to inquire what had changed other than the possible closing date. A week went by, but we got no answer. The loan originator answered our inquiry with assurances that we'd get a final closing date by the end of the week. That is when I decided to apply for a loan with another mortgage lender. I wasn't interested in taking Suntrust's ride any longer and rates had again reached an all time low. Sure enough, shortly before the February deadline, Suntrust sent us another revised GFE with a 121 day extension on our rate. This time we could say no thanks. Enough is enough.

Now, they finally write us a letter stating that we don't qualify. We have begged and pleaded with them, and they have not helped us at all. We both have good jobs, and I believe they did not give us the chance to start again so we could keep our home. Now, we either have to sell the house quickly or turn it over to them. What can we do about this form of abuse?

They did this after I had someone send a check in because I do not use checks anymore and they wanted to see 12 consecutive payments from my account. After I told them what happened, they did not care. The Real Estate taxes have been paid the year after the taxes were due and all I got for a response was "We have until the 31st of Jan. to get them paid.” This year, they are not paid yet and it is Feb 4. David ** says it is customer service; customer service says they can’t release them due to the refi. bla, bla, bla.... To have my husband's named removed, they want me to send another copy of his death certificate to someone else. When I tell them they have it and for them to just call David **, they say they cannot do that. This company stinks and anyone who chooses to use them is in for a big disappointment. They should be charged with some criminal fraud for misrepresentation.

I went to the Philippines Suntrust office in July 2012 to update my balance. I was surprised to find out that only PhP300,000 was credited for the one-year payment I made. I complained and asked how this happened. They said that most of the payment I made went to the interest of 18%. Nobody ever told me about this before, neither my agent nor the manager. Nobody helped or explained this to me even though I brought this to their attention. So I went to my bank, BPI, and applied for a home loan so I can pay off Suntrust as soon as possible. A month later, I found out that my bank can only release 80% of the amount I owed which is not enough to pay off my Suntrust loan balance. So I cancelled my loan application with BPI. I went back to Suntrust instead and asked them to go through the loan process. I submitted all the needed documents before I went back to Japan. After a week, BDO emailed me stating that they are releasing 90% of the loan amount. BDO told me to submit the consularized SPA from Philippine embassy here in Japan and send it back so that my loan can be released right away. That was in 2012 Aug.

BDO confirmed that they had received the paperwork but cannot release the loan because Suntrust hasn't signed the approval. I was given the runaround every time I call and make a follow-up all the while sending my payments to Suntrust which is taking more interest. I am so hurt and depressed as to why Suntrust would do this to me. I do not work hard just to give my money away to pay for the 18% interest. If I have known from the beginning that this house that I fell in love with has 18% interest on it, I would have never closed the deal. This was never mentioned to me before. All they said was the more I pay, the sooner I finish off the loan. Even the person doing the computation never explained anything to me. They assumed I knew the 18% percent interest. I honestly didn't know, and all that they told me is if I pay the 20% downpayment, I can move in to the house right away. Because they saw that I was so excited, they took advantage of me. They all lied to me to close the deal. Now, what am I supposed to do?

My husband is in the US Navy, and I am working so hard to send my payment to Suntrust. I agreed to close the deal for a couple of days only by phone because I trusted the agent and the manager. I am writing to you before I call my lawyer. My husband and I want a full refund from Suntrust. We only use the house on vacations and have only stayed on that house last July 2012, and that's it. The house actually looks nicer now because I added some landscaping and grotto. I have spent time and money to complete all the paperwork because I love this house so much. My husband is mad and no longer trusts any company in the Philippines. We are filing for a full refund. I have all the records with all the bank to bank transactions as well as all the receipts I received from your office. (The contract to sell does not mention the 18%.) Please contact me if you have any questions.

After waiting and waiting and calling and calling, on November 13, 2012 (exactly 6 months from our first request), we were once again asked to fill out the request for modification, write a hardship letter, send pay stubs and our monthly expenses. We did this right away and everything was to Suntrust on the morning of November 14, 2012. I finally received a call on Monday, November 26, 2012 and I was told that we were only approved for a repayment plan. Suntrust will give us the honor of paying $2,095 per month for 27 months and once that is caught up, we will only be paying $1,600 per month again. Hello. If we are struggling with $1,600 per month, how are we supposed to pay $2,095 per month? My wife immediately called Suntrust back and left a message (because you never get anyone) and asked how soon we could expect someone to come knocking on our door because as far as she was concerned, they could have the house back.

I spoke with our representative Shelly and she gave me the number to speak with her supervisor, Justin **, with the Loan Preservation Department. Justin told me that the repayment plan is what we got approved for. Justin also stated that Suntrust doesn't participate in the PRA plan nor do they jump from plan to plan to see what you might qualify for. I wanted to speak to one of the investors but of course, that was not possible. Our house is worth $70,000 less than what we owe. Suntrust would rather see us lose our home, have it sit empty for a year or so and pay foreclosure costs only to sell our house at auction for way less than they would get if they would just give us a loan for the $150,000 it appraised at and continue to allow us to live in our home. A house down the street similar to ours sat empty for over a year and was then sold at auction for $83,000. There are currently three houses up for auction in our small neighborhood of 50 houses.

This is the second time that we have tried to be proactive and work with Suntrust to get our payment lowered. Our credit is shot and we can't get another bank to even look at us because our house is worth so much less than we owe. A friend of a friend who works for a bank told us that Suntrust has a very bad reputation and if we had our mortgage through another company, we more than likely would have been approved for one of the Making Home Affordable plans because banks don't want people's homes back. I sure as heck wish we were financed through another institution. We have sent all of this same information to our Congressman and the Governor of Ohio because we really would like to know who actually benefits from the millions of federal dollars that are available for homeowners who are sinking. What hoops do we have to jump through?

The Making Home Affordable plans require that a homeowner owe no more than $729,000 to qualify. We owe nowhere near that amount and meet all of the other guidelines with the HAMP and PRA plans and we just want some help so we don't have to leave our home. If you ever hear anyone mention trying to get a home loan through Suntrust Mortgage, Inc., tell them to run!

When I contacted them on Nov. 14th, the reason they gave was that the city on the mortgage was different than the one on the insurance I bought. Anyway, I had my insurance guy fix the city name and fax the information to them on Nov. 15. I wanted to have them expedite the refund so that I can close my refinance on Friday, the 16th of Nov. They told me it would take about 2 to 3 business days to do so. I went ahead and put some money in the escrow account so that I can refinance on time. When I contacted SunTrust Mortgage on Nov. 20th, they said to me that they never mentioned that it takes 2 to 3 business days. They said according to their notes, they said that it takes about 5 to 7 business days. Apparently, they say something and they write down something else.

I did receive a letter from SunTrust on Nov. 16th, dated Nov. 12th stating that there is a discrepancy in my insurance information. Apparently, it took them two weeks to realize that after purchasing a separate insurance with my hard-earned money. So now I do not know when I will see my money. Thanksgiving is in two days. I am short of money during the holiday season to buy gifts for my kids and family. I am going to be behind on paying utility bills and credit card payment. Thanks to SunTrust Mortgage incompetent management. Please people, this is my humble advice. Stay away from SunTrust Mortgage, they will take you down. No wonder no one has given them any positive review. Please do not use SunTrust Mortgage.

I am back in the house and still trying to rebuild my life. I just got back from faxing 52 pages of documents again. They will probably say they did not receive them or that I faxed them to the wrong number. I have been given a person who is supposed to be my go to person so that you aren't dealing with a different person each time you call. Sounds good in theory but I have never been able to get her on the phone. I went to a SunTrust branch today so they could call for me and they could not get her on the phone either and the extension is incorrect. What a runaround. Did I mention that at 46, healthy 107-lb woman I had a massive heart attack last year? This stress really just might kill me!

I read similar reviews from other frustrated clients with similar stories. You can complain to BBB as well as email the attorney general, AskDOJ@usdoj.gov as well as consumerfinance.gov and you can also start petition at change.org. Avoid SunTrust if you can since they’re useless, unethical and don’t give a damn about clients. The best thing to do is take a class action against them and their underwriters. I was told by them underwriters are gods. Go figure.

Then after two more contracts, it’s still not closed. How come these people are not held accountable for this? Is there nowhere to complain that will get results that will changes the way they treat people? Why is this okay to keep lives in a stressed out situation that affects their health and well-being? The sale of my home is to improve my health, not to make it worse.

Then about a month later I looked at my statement and see that SunTrust again paid my insurance company an additional $25.83 for which they could not give any reason as to why. At least this time my insurance company received the check so they were able to refund it to me. SunTrust now wants me to take the check that the insurance company refunded me for the $25.83 and deposit it back into my escrow account. Overall, even though they had good rates, SunTrust has had terrible customer service and can't seem to handle the simple management of my escrow account and keeps giving my money to my insurance company for no reason!

I already paid the painter to paint the house and paid for the kids’ private school fees as well as paying for furniture and moving. I also had a bid accepted for my current home. The lady calls me and says "underwriter didn’t approve the loan because it is a second mortgage in another state" - this was almost 45 -50 days after this whole process was started. Bottom line, I tried to purchase a home with SunTrust. Instead of being a home owner, I will be homeless in a few weeks. They are horrible to deal with and have no communication in the company.

Once everything was received, I was told that we were in great shape. After all, my wife and I had good debt/income ratio and 730+ credit scores. Also, we were told that they were a bit backed up and it would take between 30 to 50 days to sign the paperwork and be done.

I'm going to make the story short and skip over 3 months of emails and phone calls. In month 3, I received a call from my banker and it turns out they were so backed up that they hadn't even gotten to my file and that all the paperwork I had submitted expired and I needed to re-submit everything! I went ahead and did it all over again!

Month 4 came along. Well, as you all can imagine, life goes by and things happen. Well, my wife and I got pregnant and we decided that she should become a sub teacher instead of full time so we could move closer to my job and she could stay home when the baby is born (2nd). We are lucky that I have a great salary and we can still easily cover all of our expenses without a problem. We didn't even need her salary to make the cut. We put it in order for her name to be on the house and they knew it!

Enter month 5, they told me that they called my wife's school and she apparently didn't work there anymore and they had to redo all the paperwork because they were not sure that the debt/income ratio calculation worked for us anymore. Approaching month 6 - I got a call to schedule the closing, finally! 36 hours before closing, I received an email from the banker telling me that in the final review by the underwriter, they discovered a couple of things that needed to be cleared immediately in order to be able to close on time.

I needed to explain 3 large deposits in my bank account from 6 months ago. Two of these were very clearly explained in the bank statements to be State and Federal tax returns for the exact amounts stated in the tax returns I gave them. Clearly this indicated that they never reviewed the paperwork I gave them or that they had the most incompetent team of financial analysts review cases and one which was a sign-on bonus from when I started my new job. I have to track down an email from the recruiting company showing that they sent me the money and get a copy of the check they deposited on my account and re-submit today!

Oh yeah, and one more thing, they realized that there is a second name in one of my bank accounts (my mother, from when I opened that account while I was in college) and they need that person to sign and supply a statement giving me full access to the funds in that account. In close to six months and the two times I had to submit my paperwork and the three times they had to review my case, they never noticed there was another person's name in that account. Guess what? She is on vacation traveling in the mountains of Central America. On top of that, she sent me a paper for me to sign explaining why there have been inquiries on my credit score in the past 6 months. How the hell do I know? There are always bogus inquiries from credit card companies that send you pre-approved offers.

And here is the kicker. I called the title company to confirm the appointment the night before, and they told me that my bank actually cancelled earlier in the day. Would it surprise you to find out that they never let me know? I had taken the day off work and the ** didn't even have the courtesy to let me know that they had cancelled. After all they have done, they would have still had me not work and show up to the title company for nothing. If I weren't so desperate to get this done, I would be contacting an attorney or filing an official complaint at the BBB, but I don't want to hinder the process any more. We are so close I can smell it. I just want to sign the damn papers and never deal with them again.

Thank you, Suntrust, for bringing a ridiculous and undue amount of stress to myself and my family. I will never do business with you again, and I swear to God that I will do my very best to make sure no relative or friend of mine ever does.

So, they decide to split up the check into three parts. They sent us the first part and in order to get the second part they say to just send receipts. Then, I called again and this time someone told me, "You have to have it inspected to prove that 50% of the work has been done." I say, "How can I have 50% of the work done with only 33.3% of the money?" They just repeat themselves. They don't care at all. I called again to confirm and they say, "You just have to provide receipts." So, whatever! I still don't know what the truth is, but we scheduled an inspector anyway. Now they are waiting 10 business days to send the second part. Meanwhile, we have workers finishing the job that need to be paid.

Every time I call, they give me grief. There’s no satisfaction ever. It is a slow process working with them while we have been doing the right thing to fix our house. We started right away never dreaming that SunTrust Mortgage would make the whole process stressful and inconvenient. Every time I call, it is so obvious that they don't care one little bit the trouble they are putting us through. I really thought that the insurance company would be the hardest to work with, but the actual hardest part has been cashing a check. Unbelievable. SunTrust Mortgage views each little department as separate: SunTrust Bank is different (in their eyes) than SunTrust Mortgage. Well, to me, they are all SunTrust, which is why we will be closing our checking, savings, business checking accounts as well as refinancing just to get away from them.

I deposited my Bank of America personal check for my mortgage payment like I have been doing for years in one of Suntrust's ATM at its Wycliff location in Lake Worth, Florida on August 2nd. The check cleared the next day. The funds were mortgage payment and were available in my Suntrust checking account awaiting to be drafted by Suntrust Mortgage. It was not "drafted" by Suntrust until August 7, 2012, which is 5 days after my deposit to my Suntrust checking account. This was an unusual delay of this nature by Suntrust Mortgage. This delay triggered the insulting collection notice on voicemail to me about the consequences for not making a timely mortgage payment.

Suntrust Mortgage reps out of Richmond, Virginia told me that the collection department was only complying with Freddie Mac or Fannie Mae's requirements. Suntrust Mortgage reps did not understand why I should have received such a notice since my funds were in my Suntrust checking account awaiting to be "drafted" to pay my monthly mortgage. What a revolting development! I warned them that if this continues every month, I will seek legal action to have this harassment stopped. It appears to me that Suntrust Mortgage's right hand does not know what its left hand is doing. This is upsetting to me as a longstanding Suntrust Mortgage customer. Suntrust wished that they had more customers like me that make their mortgage payment in a timely fashion.

I am a single mom with a briefcase of documents from where they screwed up! Unfortunately, I have no other family to go to; so if they take this house (that when I asked to be refinanced when my credit was above 700) yet refused me because they foreclosed and it destroyed my credit, denied me a mod based on that, have over inflated the amount due and refused to even speak to me now. What do you tell your six-year old that asks, "Mommy, what is going to happen to our home?" We owe less than $100,000, people. This is no mansion, but it is our home. I fought for it for over three years. But Suntrust won't lend to a single white female. Their words, "We would rather have two people than one." What am I to do?!

How does a company do business like this? Again, I am out of work and this mortgage is killing us. Not to mention, it goes up because the insurance went up. I am sorry to say that since they are not willing to help, then I can do no more. All these programs the government has to help homeowners and my mortgage company is not one of the ones involved. Screw you Suntrust Mortgage.

I am frustrated, irritated and concerned that I could lose my home because of their negligence. Before all of these, I paid on time and was actually ahead of schedule. I would think they would want to help people stay in their homes, that seems most beneficial for both parties. I have also had a representative be rude to me and then hang up on me before. I did not know that this was such an incompetent company to work with. They are negatively affecting other people's lives and don't seem to care.

They needed to change the address for the property. For when we were buying it, little did we know the address was different. Really? I always use the address we are still using today. We get a letter 20 days ago stating our house payment is going to go up $500+ a month because we don't have insurance?! What? Yes, we do. The insurance company called them while I was on the line and verified that I was correct. They say, "Oh sorry, the whole address problem needs to get cleaned up." Post office fixed it and the next day faxed it to them. That was on Friday, June 29th, 2012. I called Monday. They said, "Yes, we have the fax. Yes, it is being updated. Don't worry, your payment will be normal. The insurance department has to look at it. It will take 7 -10 days." They said they will send a letter; I say, "Go ahead, but I am calling because I don't get all of your mails."

On Tuesday, July 10, 2012, I received a letter from my bank, which says my account is overdrawn because of the large mortgage payment. What? Are you kidding me? It is 5 pm and I called the bank and no one answers. I called Suntrust and they jerk me around from person to person. Finally, they say, "Our computers are down. Call us back in two hours." Okay, I call back two hours exactly. What the **? The offices are closed for the day. Are you kidding me? One of the phone calls I am making in the morning is to a lawyer. This company stole from us. They should not be in business. We did nothing wrong except make our payments on time every month for 4 and 1/2 years.

I then received a request for all my documents that I already supplied to send them again. This happened several times and when I said, “You have it.” They said, “Well we can’t find it.” The first closing date was set for May 16th, then 23rd. On the 22nd, they said to request an extension to the 31st, which we did. They asked me for paperwork from over 10 years ago. It cost me money to get everything they wanted but assured me that it was just a normal process. They then asked for an extension to June 8th and asked me for bankruptcy papers from over 10 years ago. Again, I got them the paperwork.

Today, they came back and denied me as too many lates since bankruptcy, which is an absolute lie. I have worked extremely hard to repair my credit since the bankruptcy and my scores are good. They are liars, each and every one of them. Do not go to SunTrust, they steal your money. I paid them $450 for an appraisal that they refused to give me a copy of, and refuse to give me my money back, not to mention the money down and so on. Thieves are what they are. Stay away from them.

The next month, I received a statement stating that if I paid my past due escrow balance of $268.00, then my payment would go back to $800.00 a month. That was great news! I paid that balance monthly from October through January, had no collection calls, etc. In February 2012, my payment of $800.00 was rejected and the collection calls started pouring in saying that I was past due $3,489.00! Crazy! The only thing they could tell me is that I could apply for a modification if I sent in a lot of paperwork (which I did in early March).

Well, it is now early June and has had to send in the paperwork 3 times in the last 3 months. I was given a point of contact and was due to be assigned to a solution specialist. Today is June 1 and my point of contact no longer calls me and I cannot get in touch with her (just passed onto an assistant). I still have no solution specialist, and my past due balance is now $9,500.00. I am told to call every few days for an update. But a lot of times, I call the home preservation number and enter my loan number, etc. The phone will ring a couple of times and circle back to the original number (home preservation number) that I just called asking me to enter my loan number etc. in (and just keep doing that)!

I am totally frustrated! I have lived in this home for 18 years and can't see losing it just because SunTrust can’t get their ** together! What is one to do at this point? Just move out, file chapter 7, etc.?

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!

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.

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.

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!

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!

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."

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 work for a title insurance company and have never heard of this before. There is absolutely no customer support or any interaction between Suntrust and their clients. I have come to the conclusion that this is a scam. I had to pay $650 upfront for appraisal and processing fees. I know the appraisal was done but I'm pretty sure no processing has been done. I think they just collect the fees until the customer gets fed up and goes somewhere else and of course, they keep the fees. I wish there are more laws supplied to consumers for dealing with lenders like this.

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 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.

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.

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 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 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.

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!

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.

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.

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.

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.

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.

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.

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?

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!

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.

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.

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.

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.

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.

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.

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.

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?

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.

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.

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!

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.

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.