SunTrust Bank Consumer Loan Complaint

SunTrust Bank Consumer loan department,

Installment loan Problems when you are unable to pay North Carolina

This request is in reference to Case No. -. May I please invite your attention to the Final Response letter previously submitted by SunTrust dated - -, -? In the second paragraph, they stated that we initiated a loan for $37000.00 for the purpose of financing an addition to our primary home and renovating a secondary property. We intend to prove otherwise. We have enclosed a copy of the original credit application, the promissory note, and a copy of the original Title Search, along with the DOTs that had to be paid and satisfied before we could start constructing our home. We were approved for a $37000.00 loan bearing the customer number - ''. The check for that amount ( attached ) was issued and sent to our Closing Attorney, - - per - - -. - paid these items off to release the - DOTs - - - - and - - - -. - the DOTs included - lots as


( copies of DOTs attached ).. The contract was drawn up between us and - - - for $150000.00 ( attached ). - - wanted to see it. He informed us that there were too many errors in the contract such as ; our land cost was supposed to be added in for the $37000.00 we borrowed from -, but instead it was doubled for $75000.00. We had our own well, air unit, etc. and were being charged over again. - - just told us to let him help us negotiate the contract and we did. I have attached a letter with the cost of the contract as well as a copy of the initial check. I was trying to get SunTrust to understand that the house did n't cost $150000.00 and I attached a copy of the cancelled contract with - -. The $37000.00 was included within the construction loan for the $140000.00. There is a copy of the DOT for $140000.00, the first check from - ( $83000.00 ) and a letter from - - explaining the total cost of the contract. We had more than enough money to get the house built. We had just got released from a Chapter - due to my husband 's sickness which forced him to retire -/-/- ( attached ). We barely received this $140000.00 loan from -, how could we possibly borrow another loan for $38000.00? My mother lived in her single wide mobile home and it did n't even have that kind of value anyway. I have attached copies of the Tax ID cards and appraisal cards to show that there were no additions to my newly built home nor renovations to the mobile home. I asked the Zoning department to verify that this property has never been used for rental or commercial purposes ( letter attached ). - bought our first mortgage note and shortly thereafter - - refinanced it due their merger. They did n't have any ties to the - - - - property and neither did - because it was supposed to have been released whenever the $37000.00 note was paid and satisfied. - properties were cleared and released. My Attorney never received the DOT -. My Attorney died before this mess got straightened out, - - left -, - - filed Bankruptcy, - merged with SunTrust and here we are. How could SunTrust renew that note ( $37000.00 ) and it was financed inside of my mortgage loan - - - - -? Re-financing that note -/-/- for $38000.00 was wrong. I asked - - for some documentation explaining why they did n't use - - - - and they informed me that their computer that contained our records was stolen ( letter attached ). This has been one nightmare. SunTrust stated in the