SunTrust Bank Mortgage Complaint

SunTrust Bank Mortgage department,

Conventional fixed mortgage Loan servicing, payments, escrow account Minnesota

Dear, My loan 30 Yr Fixed with PMI used to be serviced by - Mortgage and in - 2014 started being serviced by SunTrust Mortgage. I had requested to pay down my principal balance to remove the PMI. I ordered and paid for the full appraisal which is great. According to my loan documents and to an email ( in writing ) from SunTrust, the principal payment should bring the LTV to 80 % in order to remove the PMI. and here 's what happened:-- First Issue : SunTrust violated the agreements : after completing the appraisal, they informed me that mt LTV should be 75 %, therefore I had to pay more to remove the PMI ( sent them many emails and made multiple calls, but received the poorest service and never replied to my emails promptly or even acknowledged my question, have all records ). However, I was confident that my property value would be high enough so this should not pose a big financial difficulty on my family. - Second Issue : The appraisal was wrong. After being informed of my property value, I received a copy showing the size of my condo - Sq Ft instead


it 's - ( also in line with first appraisal I had years ago ) - Having reached a dead end, I decide to proceed with submitting a payment of $28000.00 to an address they provided me through email ( their secured mailbox and have the records ). The address was WRONG. I had mailed my payment through Priority Mail and included Delivery confirmation and ETA was 2-3 days. 2 weeks and nothing happened and mail showed as not delivered, and I realized address was wrong. So I contacted SunTrust and asked how we can resolve, the customer service suggested to process a payment through the phone so I accepted and followed her directions. She assured me that she will add a note to my account indicating that. - Supposedly, shortly ( less than 24 hours ) after that SunTrust received my other check and deposited. It happened in the order I provided, first processed my online payment then processed the check. This resulted in overdraft fees at my bank in the amount of $72.00 SunTrust started also charged me a NSF. I called them, reminded of what happened and they waived it. Now they are adding it back on my - statement. Please help, I 'm willing to provide all the documentation needed.