Truist Mortgage Reviews

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

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

I have received duplicate, outdated paperwork repeatedly.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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Even up until Sept 2009, when we called to make sure our account was paid up to date, we were told over the phone by Gail ** that out account was current and that there were no problems. We have attempted several times to contact Suntrust to resolve this matter, but have gotten nowhere. We would very much appreciate help with this matter and feel that there is something seriously wrong with trying to gouge the consumer with a $4,000 bill for insurance that we can get ourselves for $648. Thank you very much for your time.

When I learned about this, I was upset so I called Suntrust and was told that the computer shows that it was supposed to have been sent to First American. She then put me on hold. When she came back, she informed me that it was supposed to have been sent, but for some reason was never sent, and Suntrust still had it. Now they are going to keep it and review it in house. I should know something in a few days. I didn't hear anything, so I called Suntrust back and was told that my file had been sent to First American and that I need to call them. I told the person at Suntrust that I was told that Suntrust was doing my file now, not First American. I was told that person should never have said that. Now it’s August, and First American told us that the financial info we sent is now old and we need to resubmit everything. So, now disgusted, we did as they requested.

On Sept. 25th, we received a letter addressed to current tenant saying that the house we are living in will be foreclosed on in about 60-90 days. So I called First American. First American told me they no longer have our file, that Suntrust requested they return it. I called Suntrust and am told that First American returned our file unfinished and they don't know why. I told about the letter threatening foreclosure and am told not to be concerned about that. They are working on my file now and that letter is standard procedure. A week later, I get four certified letters informing me my house will be sold at auction on Nov. 6, 2009. They are dragging their feet, avoiding talk of short sale and trying to add a balloon to the back of the loan. This is a miserable experience.

When I looked for one in Wisconsin, I could not find one. I finally called the company who sold my mortgage to Suntrust and they gave me a name to call. I spoke with her and she did not have high hopes that I would get a mitigation. Suntrust said it would take 10 days to get the form. Instead of mitigation forms, I got mortgage insurance forms. I called them back and they told me they sent the correct forms out but they would send them again. They also told me that the mitigation would take more than two months and that there was no guarantee.

These mortgage companies are only going to do the minimum of what they are told to do by the government and then not even that, they will wrap everything up in red tape and mistakes until they rake in more money from both the government and the mortgage sufferers. Where is this going to end!

On December 2nd, I contacted my mortgage company to confirm that this was going to be my first payment after the forbearance. They informed me that it was too late and that my property was already in foreclosure. They also informed me that I was supposed to make the payment in November and that if I made the payment, it would have been rejected. The last month listed on the form they had me sign for the forbearance was November. While discussing this, they informed me that now they were going to start the process of a loan modification. So when I could not convince them to come up with the forbearance document I signed, I agreed to the loan mod.

The rep took a little expense info from me and stated that someone would be contacting me about the loan mod. December passed and I was not contacted. January came so I contacted them. After finally contacting the loan mod rep, I expressed my concern over the time lapse. The rep informed me that they were waiting to see the results of their staff meetings since Obama just took office and that there was going to be some new operating procedures take place for loan mods. Another month passed.

So I called in again, to remind them that my property taxes were due at the end of December and if not paid at the end of the following month, the amount goes up. The rep informed me that he was going to roll the property taxes in to the loan mod. He assured me of this. March came and no one has contacted me about the loan mod. I called in again. The rep informed me that the new options and new operating procedures are still under review. He assured me that my property will not be foreclosed on. April came and I called in only to find it very difficult to contact my loan mod rep that was assigned to my account. Another rep reassured me that they (the company) would take the months that passed into consideration when figuring out the total amount owed. I contacted them again a few weeks later to check the status and they informed me that they were waiting on me to fax in my monthly expenses. They never contacted me to inform me that that was what I need to do.

I was laid off from Alphacom on May 1st and started the unemployment process again. I kept receiving foreclosure documents in the mail. I called in to again express my concern and they informed me that even though they were working on a loan mod, the foreclosure process still moved forward. A rep from Loss Mitigation called me and informed me that they went ahead and approved me for a 120-day non-paying forbearance. While discussing this with her, I mentioned that this was my second one. She said that If I had one last year, then I did not qualify for a second. Somehow she did not know about last year's forbearance. This concerns me deeply as to how my account is being handled.

I found employment contracting in June. I worked two weeks and faxed in two invoices and a letter from the company I was contracting for stating my employment and hourly wage. I was averaging $2800 a week at the rate of $50.00 an hour. With this information, they informed me I did not qualify for any of their options for a loan mod. They said my expenses were more than my income. They wanted to send me a short sale package to sell my property or they could foreclose on it. Neither of these options worked for me, because the months that passed while they were deciding what to do from December to April totally falls on them and they should not be charging me for something they caused. A few days later, I called In again and asked what income amount they were using for my monthly income and they said $2800 a month. This is clearly another mistake on their part. I informed them that the amount was wrong. The $2800 amount was weekly, not monthly. So they disqualified me for a loan mod based on an incorrect Income amount.

I informed them that the county was going to foreclose so I faxed in the property tax bill and they took care of this immediately with no mistakes, thus rolling in an escrow account into my loan. At this point, I am on a 120-day non-paying forbearance which I did not sign for nor did I qualify for. But when it's over, they are going to want the whole amount due and not taking into consideration the time that they spent waiting for the outcome of meetings and all of their costly mistakes, costly to me. I am not trying to get out of paying for anything. I just want them to be fair and pay for their own mistakes. How do I deal with this?

On 7/10/09, I called and talked to Tony ** and he said he had knowledge of our taxes being $2,000 a year. (He works in Suntrust tax dept.) He said he would send a tax verification form because I told him that our taxes were cheaper than $2,000; he never sent it. On 7/13/09, I called to make a payment and was told I couldn't because I owed $1,300 and they didn't except partial payments. I asked her if they did get the June payment. She said yes but that they were holding it.

I called again at 4:52 pm on the same day and talked to Oscar ** and told him the situation and again, he wanted me to send proof of our taxes (fax # (804) 675-9639). On 7/20/09, I sent a certified letter through USPS that they had to sign to get with the tax info in it. (The taxes are $1,796 a year.) I sent a payment for July through a check because they wouldn't accept that through, which they cashed.

On 8/11/09, I called Suntrust and Sonya ** told me that they didn't receive it. On July 06 '09, I was sent a letter saying that I owe $1,092. On Aug 04 '09, I received a letter saying I owed $1,362; how, when they have payments for June and July '09? I got a letter today, 8/24/09, that I owed $2,523. How? I owe $554 for August and will pay it if they get this right. Because of the hell we've been through with this company, I don't want this house anymore. I'm losing my house because of something Suntrust can't prove that I owe, but I've proven that I don't owe.

After several harassing calls from them, I was sick with anxiety problems and depression. I got behind another 2 months and I called again to offer 2 payments in a row. They told me that my case went to Loss Mitigation Department. They told me that I need an attorney to avoid foreclosure. I explained that I hardly have money to go by and pay my bills, less have money for an attorney. I am so depressed and I don't know what to do. I wish I can get some help. I have bad credit for past bankruptcy and I have no money. I have a child to support and it's extra hard.

Please help me to find the way out of this horrible situation. I can't even sleep anymore and I am getting sick on all these problems. I was reading about the modification program that president Obama released this year. I talked to a company that offered free consultation and they told me that Suntrust received the money from the program to help the borrowers. Is that true?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

I had been contacting them every week for status ever since I sent the document to their attention and addressed over and over that I do not want to delay the payment. I need like some guidance and direction. After months of battling with Suntrust, they informed that my personal information was never received. I resubmitted the document shortly after speaking with Suntrust. Weeks had gone by and I have been contacting them every other day for status. Suntrust again provided me with no responses nor any direction. On May 1, I received a letter from their lawyer that stated my house is now in process of being foreclosed and they will grant the court to relieve me from Chapter 13.

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

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

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

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

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

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

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

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

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