SunTrust Bank Mortgage Complaint

SunTrust Bank Mortgage department,

FHA mortgage Loan modification,collection,foreclosure Georgia

I obtained a loan through SunTrust Loan Servicer in -/-/- and the account was on Auto draft ever since for full monthly payment ever month. Never late. In -/-/- as a result of my divorce I asked for a loan modification that was approved in -/-/-. SunTrust on its own reversed the - payment that was auto drafted a week earlier. I called and argued against reversal with SunTrust 's - - and - -. However, they persistently claimed that for the loan modification to be approved, it needs to show that - payment is not n the record and that it will not effect my credit reports. The trial version of loan Mod was successfully completed by -/-/- and SunTrust sent a full and permanent loan modification agreement with - mistakes. On -/-/-, in the presence of its banking branch VP, I immediately called - - and - BOTH. and persistently told not to make any changes on the agreement - since any hand writing besides signature and notary would void the document. The rep, told me that a corrected set will be sent within 7-10 business days. However even when I contacted - - on -/-/-, she stated


the agreement has not gone out yet, but it should ... ''. I questioned her about 7-10 bus. days '' rule, she stated, the 10 days is not over yet '', I counted the business days for her and she still stated, '' we still have time ... '' The telephone call was recorded. In the meantime, I pulled my credit from all - agencies. All reports showed a 30 and a 60 days late with no other notations ( recorded calls again ). This is a serious contradiction to what -, - and - - stated. I disputed it with credit agencies and called - - -. - - now changed her statement, now claiming that we do report late payments and this account was late. Each time I dispute the late payment with the credit agencies, SunTrust reports worst than before ( even though the loan is not being serviced with it since -/-/-. In fact, it is even reporting the account 90+ days late for -/-/- now ( when the payment was made on -/-/- in the branch while I was speaking with its branch VP ). I MADE ALL MY PAYMENTS TO SUNTRUST SINCE INCEPTION OF THE LOAN ON TIME AND AS IT REQUESTED. ITS REPORTING LATE PAYMENTS IS NOT ONLY INACCURATE, INCONSISTENT WITH ITS OWN REPRESENTATIVES STATEMENTS, BUT ALSO CHANGE FOR THE WORST EACH TIME.