SunTrust Banks, Inc. Mortgage Complaint

SunTrust Banks, Inc. Mortgage department,

Conventional fixed mortgage Loan servicing, payments, escrow account Tennessee

I bought my home in - -. I have a fifteen-year fixed rate mortgage ; 3.2 % financing. City taxes paid to SunTrust Mortgage per pg. - line - were $600.00 ; taxes owed were $680.00 resulting in a difference of $86.00. On pg. - line - & -, - - ( seller ) and I split costs for the property taxes ; we each paid in $360.00 to total $720.00. Lines - & - show we each paid in $350.00 to total to $700.00 for the county property taxes ; I do n't know why these amounts are different from what the bank received. I think I prepared my excel spread sheet based on what we both paid in. The - city property taxes according to the records provided by - - were paid on -/-/-. -/-/-, the people at SunTrust Mortgage notified me that my City of - property taxes had not been paid for -/-/-, this was NOT true. This is the only adjustment to my escrow account, other than a fifteen-dollar refund check I received from -, my home owner 's insurance has remained as calculated at closing. I simply paid my timely payments based on


people at SunTrust Mortgage have taken a total of approximately $770.00 out of four separate timely made payments, claiming a " repayment of an advancement they gave me for my -/-/- city/county?? Property taxes ''. I never needed an advancement because both my city and county property taxes were accounted for and paid at my - - closing. Since they claimed this advancement they put all subsequent timely payments I made and put them in suspension claiming I was short paying my mortgage. I never paid late fees. To make matters worse, they 've repeatedly refused to provide me with a SunTrust Mortgage manager 's email so I could enjoin the manager with - - of - -. She has stated in writing via email my taxes were accounted and paid. I 've provided all documents to support my figures. I 've also provided letters from SunTrust Mortgage in which I only agree with their -, -, - letter, page - paragraph - ) QUOTE " Neither of the escrow refund checks sent to you were cashed. '' Again, I simply made my timely payments based on the amortization schedule provided to me at closing. If you read the letters I 've provided to you from SunTrust, you will conclude they have deliberately made a " mess of my escrow account in an attempt to confuse me into paying extra monies to them. '' Once I get this mess straightened out and my credit restored I will apply to have my mortgage refinance with a reputable mortgage company. They started this nightmare just months into my making my timely payment by insisting I pay extra monies into my escrow account, increasing my payment from $660.00 to $690.00 and even $730.00. In their - - letter, pg - para -, they claim their vendor had to pay my -/-/- COUNTY property taxes totaling $680.00 ( they told me it was CITY ) so I owed monies for this. Per - - property tax records provided to me by - -, my -/-/- - taxes in the amount of $580.00 were paid on -/-/-. They go on and on with their GIBBERISH from attempting to collect more for my home owner 's insurance ( over $400.00 ) to claiming they have to give me an " advancement '' to cover my city/county?? Property taxes, I believe, to confuse me. This is why I paid according to my amortization schedule provided me. I 'm not going to have my livelihood illegally attacked simply because SunTrust Mortgage hires incompetent employees!!! Not only do I pay my bills timely, I pay them off. I will upload this entire letter.