SunTrust Bank Mortgage Complaint

SunTrust Bank Mortgage department,

Conventional fixed mortgage Settlement process and costs Virginia

On - -, 2014 I received a letter from SunTrust mortgage - see attached - ) about my statutory right to receive refund of unearned premium of my Private Mortgage Insurance ( PMI ). Encouraged by this news, I started the refinancing process and completed it in - with a new mortgage which did not have PMI - see attached - ). I had upon origination of the original loan prepaid full premium of my mortgage insurance and following the Homeowners Protection Act 12 U.S. Code 4902, I submitted a request for refund of unearned premium ( see attached - ). I am yet to receive a formal response from SunTrust. When I call them, they verbally tell me that I will not get paid because Mortgage Insurance provider ( - ) issued a non-cancelable policy. When I tried reaching out to -, they would not talk to me because I am not officially their client - Suntrust is -. My question - is it legal for Suntrust to obtain a non-cancelable PMI on my behalf from - and not refund the unearned premium when PMI is no longer applicable? And how could I have avoided pre-payment of un-cancelable PMI?