SunTrust Mortgage

Dear Ms***:We have received and reviewed the correspondence that was forwarded to our office from the Revdex.com (Revdex.com) regarding the above referenced loan applicationWe appreciate the opportunity to look into the issue raised and to provide a response to you. We
sincerely regret the problems you encountered during the processing of your loan application submitted on May 25, including the delay in the completion of the appraisal. As a goodwill gesture, the appraisal fee of $was refunded to your credit card on July 7, 2016. The appraisal was ordered; however, we were unable to close the loan by June 30, You withdrew the loan application on June 28, since the seller would not grant a contract extensionInstead you are applying for financing with the seller's preferred lender, *** ***lThe FHA case number has been transferred to the new lenderA copy of the appraisal report was sent to you and *** ***We are glad that *** *** was able to utilize the appraisal. Ms***, if you have any questions regarding this letter, you may contact our Mortgage Escalations Resolution Team at ***, Monday through Friday from a.mto p.m. ET

Dear Ms ***: We received your correspondence regarding the above referenced caseBecause you did not include a signed authorization form from the client, we are unable to provide you a copy of our response to the client dated January 7, Upon receipt of the
signed authorization form, we will gladly share a copy of our response with your office. Thank you for contacting SunTrust. Sincerely, Kewanna C***

We received your correspondence regarding the above referenced caseBecause you did not include a signed authorization form from Mr***, we are unable to provide you with a copy of our response dated June 11, Upon receipt of the signed authorization form, we will gladly
share a copy of our response with your office. Thank you for contacting SunTrust Mortgage, Inc. Sincerely, Wanda H***

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
SunTrust reached out to me and involved my individual issue to my satisfactionHowever, they did not provide any additional detail about what happened or how they will change their processes so that others will not face the same problemI do believe this should be addressed to fully resolve the issue
Regards,
*** ***

We received your correspondence regarding the above referenced caseBecause you did not include a signed authorization form from the client, we are unable to provide you a copy of our response to the client dated January 12, Upon receipt of the signed authorization form, we will gladly share
a copy of our response with your office.Thank you for contacting SunTrust

Dear Ms***: We have received and
reviewed the correspondence that was forwarded to our office from the RevDex.com (Revdex.com) regarding the above referenced accountsWe appreciate
the opportunity to look into the issue raised and to provide a response to youOn April 11, 2016,
you were pre-qualified for a loan
application *** for a SunTrust Mortgage, Inc(SunTrust) Doctor Loan
ProgramThe pre-qualification notification is based on non-verified information
and does not constitute an official commitment on behalf of SunTrust Mortgage,
1ncThe loan approval was subject to but not necessarily limited to
verification of all incomeasset and liability information provided by you, a
property appraisal acceptable to SunTrust Mortgage, Inc., (SunTrust) and
incompliance with SunTrust's loan program guidelines and all required closing
conditions such as a survey and/or title examinationThe loan was denied on
May 26, because the credit application was incompleteOn June 10, 2016, you completed a second loan application (***)
We were able to use the appraisal from the previous loan (***); thus a
new appraisal was not requiredA request was made for your tax returns, which
we receivedOur review of the tax returns reflects the unreimbursed business
expenses (UBE's) counted against your income and made the debHo income (DTI)
ratio in excess of the 43% allowed on this product (Doctor Loan Program). On June 2016,
Keyana M*** Mortgage Resolution Specialist spoke with you and advised that
the second loan application has been submitted for loan denial due to excessive
DTI ratiosOur understanding is that your loan officer also spoke with you and
informed the UBE's also contributed to this high DTI amountOn July 8, 2016,
we refunded your *** *** ending in *** the $***, which represented the
fees you paid associated with the loan applicationThank you for bringing to our attention the problems you
experienced with your mortgage loan applications and we apologize for any
inconvenience this matter has causedIf you have any questions regarding this
letter, you may contact our Mortgage Escalations Resolution Team at ***,
Monday through Friday from a.mto p.m., ET

Dear Dr***:We have received and reviewed your concerns as well as the correspondences that were forwarded to our office from the *** *** *** *** *** and the Revdex.com(Revdex.com) regarding the above referenced loanWe appreciate the opportunity to look into
the issue raised and to provide a response to you. As you indicated, your loan was acquired by SunTrust Mortgage, Inc(SunTrust) from Loan Depot on March 16, Enclosed is a copy of the March 17, Service Transfer Notice and the March 29, notice to you advising of the correct SunTrust loan number.We understand your concerns regarding the application of your June and July monthly mortgage paymentsWe sincerely apologize for the manner in which your account was handled and for any confusion and that may have been caused by the transactions that occurred on your account.On May 26, 2016, we received the funds for your June and July payments and the June payment was inadvertently applied as a principal curtailmentSubsequently, the funds received on June 27, were applied as the June monthly payment and principalThe funds were reversed and reapplied on June 29, to the June and July paymentsThe correct payment amounts were received and the additional $was applied to the escrow accountThe payments were corrected with no negative credit reportingThe next payment due on the loan is the August 1, monthly payment in the amount of $1,Dr***a copy of the loan history is enclosed for your reviewAgain we regret this oversight and any impact to youThe situation you described has been forwarded to management for reviewIf you have any questions regarding this letter, you may contact our Mortgage Escalations Resolution Team at *** Monday through Friday from a.mto p.mET

Dear ** *** ** ***:This letter is regarding the correspondence that was
forwarded to our office from the Revdex.com (Revdex.com) in reference to
the above referenced loanWe appreciate the opportunity to look in the issue
raised and to provide a response to you.Our records reflect
that on July 2, 2015, SunTrust Mortgage,
Incacquired your account from *** *** ***On July 13, 2015, we
received and posted 41,as your July 1, paymentOn July 21, 2015,
we processed your request to setup the account on our automatic drafting
program, ***The *** letter was sent to you informing you that the
draft would begin with the September 1, paymentBecause you elected nine
delay days, your payment would be drafted on the 10th business day
of the month.We did not receive a payment in August 2015, thus we began
to generate letters offering loss mitigation assistance and collective calls
advising you the account was in defaultOn September 12, 2015, you authorized
a *** draft in the amount of #3,for the August and September
paymentsPlease be advised that although you August payment was late, you
were not assessed a late feeOn October 13, 2015, we received and posted
41,as your October 1, paymentAs of the date of this letter, the
next payment is due on November 1, 2015, which will be drafted on November 10, 2015.We reviewed the credit reporting to the three major credit
agencies (***, ***, and ***) and determined that the file was
reported days past due in September We submitted an update to the
credit reporting agencies to remove the delinquent reportingAlthough we furnish
the information to the credit reporting agencies, SunTrust Mortgage, Incdoes
not have control over the length of time it takes for the correction to be
processedIf you have any questions regarding the reporting, please contact
the credit reporting agencies ***, ***, and ***.If you have any questions regarding the servicing of your
account, you may contact our Client Services Department at ***, Monday through
Friday from 8am to 8pm or Saturday 9am to 3pmIf you have any questions
regarding this letter you may contact our Mortgage Escalations Resolution team
at ***, Monday through Friday from 8am to 6pm.Sincerely,*** ***

We received your correspondence regarding the above referenced caseBecause you did not include a signed authorization form from Mr*** *** we are unable to provide you with a copy of our response dated January 5, Upon receipt of the signed authorization form, we will gladly
share a copy of our response with your office. Thank you for contacting SunTrust Mortgage, Inc. Sincerely, Wanda H***

SunTrust has responded to our client but cannot share the response with the Revdex.com as no signed third party authorization was received. Please close this case on your records

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
I received a call from SunTrust on 9/telling me to disregard the letter dated 9/and that we would be receiving new letters regarding a recast for November as well as information on what needed to be completed in order to eliminate the mortgage insurance. As of today, I have not received those letters. This proposal is acceptable but would like to receive the communications as soon as possible so that we can move ahead with the compromise that was offered
Regards,
*** ***

Dear Ms***: We received your correspondence regarding the above referenced caseBecause you did not include a signed authorization form from the client, we are unable to provide you a copy of our response to the client dated December 28, Upon receipt of thesigned authorization
form, we will gladly share a copy of our response with your office.

October 23, 2017 Re: Client Name: *** ** and *** ** *** Case Number: *** Revdex.com Case Number: *** We received your correspondence regarding the above referenced caseBecause you did not include a signed authorization form from the client, we are
unable to provide you a copy of our response dated October 23, Upon receipt of the signed authorization form, we will gladly share a copy of our response with your office. Thank you for contacting SunTrust. Sincerely, Kenya W*** Officer Mortgage Escalations Resolution Team

Good Evening, Attached is SunTrust Mortgage, Incresponse to the Revdex.com letter your office received from *** *** Revdex.com Case #: *** Please let me know if you have any questions. *** *** *** - Officer - Mortgage Escalations Resolution
Team | Financial Fitness Program Graduate | SunTrust Mortgage, Inc

January 3, 2017 Revdex.com Serving Central Virginia, Inc. Attn: ***
*** Moorefield Park Dr., Ste300 Richmond, VA 23236 Re: Client Name: *** ** *** Case *** Revdex.com Case Number: *** Dear Ms***: We received your correspondence regarding the above referenced caseBecause you did not include a signed authorization form from the client, we are unable to provide you a copy of our response to the client dated January 3, Upon receipt of the signed authorization form, we will gladly share a copy of our response with your office. Thank you for contacting SunTrust. Sincerely, Kenya W*** Mortgage Escalations Resolution Team

Dear Ms***:We received your correspondence regarding the above referenced caseBecause you did not include a signed authorization form from the client, we are unable to provide you a copy of our response to the client dated August 30, Upon receipt of the
signed authorization form, we will gladly share a copy of our response with your office.Thank you for contacting SunTrust

Dear Ms***:We received your correspondence regarding the above referenced caseBecause you did not include a signed authorization form from Mr*** we are unable to provide you with a copy of our response to Mr*** dated January 26, Upon receipt of the signed authorization
form, we will gladly share a copy of our response with your office.Thank you for contacting SunTrust Mortgage, Inc.Sincerely,Wanda H***

[A default letter is provided here which indicates your acceptance of the business's offer. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the offer made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to meI will wait for the business to perform this action and, if it does, will consider this complaint resolvedIf the company does not perform as promised I can get back to you at: [email protected]
Regards,
*** *** ***
So sorry for my slow response to this - I attempted to send another message to say that the business has in fact resolved the issue (after I sent my previous message) Please do consider the item closed and resolved
Thank you!
*** ***

This letter is in response to your correspondence regarding the flood insurance on the above referenced propertyThank you for the opportunity to address your concerns.SunTrust Mortgage (STM) received copies of the non-NFIP flood insurance policies; however, the *** *** *** flood policy
did not meet the definition of “private flood insurance” as specified under Code US Statute 4012a(b)(7)We contacted the agent, *** *** ** ***, and were advised that they would not endorse their policy to make it acceptableSince the condo agent would not endorse the policy, STM could not accept it as valid insurance coverage; therefore, lender placed insurance was purchasedPlease be advised that you have to option to purchase a unit owner flood policy for the Minimum Required Amount of $*** and remit that to STMPlease be advised that if you purchase a non-NFIP flood policy, it will be subject to the same review as the condo flood policy, meaning it will need to meet the legal definition of “private flood insurance”If you chose to purchase flood insurance, please mail a copy of the policy to ** ** *** *** *** ** *** or fax to ***If you have any other questions regarding the servicing of your account, please contact our Client Services Department at ***, Monday through Friday from 8:a.mto 8:00p.mor Saturday from 9:a.mto 3:p.mETA representative will be glad to assist you.If you have any questions regarding this letter, you may contact our Mortgage Escalations Resolution Team at *** Monday through Friday from a.mto p.mET.Sincerely

We have received and reviewed the correspondences that were forwarded to our office from the Consumer Financial Protection Bureau (CFPB) and the Revdex.com (Revdex.com) regarding the above referenced loan applicationWe appreciate the opportunity to look into the issue raised and
to provide a response to you. We regret any problems that you may have encountered during the processing of your loan application and regret that you feel your experience was unpleasant. You completed an application on February 16, for the purpose of a construction loan to build ahome at a projected cost of $201,on your own landOn April 25, 2016, the home appraised for $290,When there is a variance of greater than 10% and the builder’s cost to build is less than the appraiser’s cost to build new, contingency funds are required to insure that if the builder cannot complete the project on budget, SunTrust Mortgage, Incwill have the funds set aside to complete the project. We were able to verify the funds needed to close on the loan; however, contingency funds were required as explained aboveThe Debt to Income (DTI) ratio was over the maximum ratio; thus, the contingency funds could not be financedThe loan was denied on August 8, for insufficient cashAs discussed with MsDee F*, AVP and MsAngela O*** Mortgage Escalations Specialist, an agreement was made to lower the reserves to $25,We understand that youwere satisfied with the new amount and would work with Ms*** on submitting a new application. Mrand Mrs***, if you have any questions regarding this letter, you may contact our Mortgage Escalations Resolution Team at ***, Monday through Friday from a.mto p.mET