SunTrust Banks, Inc. Mortgage Complaint

SunTrust Banks, Inc. Mortgage department,

Conventional adjustable mortgage (ARM) Application, originator, mortgage broker Georgia

As per SunTrust 's letter of - -, - they have threatened to yet again, process a foreclosure on my home. Their attempts to foreclose are based on a fraudulent mortgage agreement, entered into in -, and abusive lending practices that are not in the interest of the borrower, as per the -. Requested information and documentation on the origination of this closed-end loan has been refused, as per their letter of - -, -. This letter from - states the 'information requested relating the origination of the loan, does not require the disclosure of confidential, proprietary or unrelated information. ' Again, the documents I have requested are to be disclosed per the Truth in Lending Act and the Real Estate Settlement Procedures Act. Following are the documents I am requesting : 1- Copy of Form - - the underwriter 's verification and approval of said loan. 2. Any and all other documentation of efforts made to ensure borrower 's ability to repay the loan.


4. Documentation of the mortgage broker/originator 's qualifications. 5. Documentation of the mortgage product type, ie ) subprime, prime, Alt-A, or other. 6. Record of loan options available at the time the loan was entered into, ie ) other than interest-only. 7. Itemization / general ledger disclosing where our monthly check and/or cash payments were deposited ( ie, investment accounts ). Include date and time of said deposits along with copies of receipts. 8. Documentation of all interest/earnings of said deposited monies, of which was paid by the borrowers. 9. Documentation of Pool Mortgage Insurance claim filed upon default of said mortgage/loan. 10. Documentation of payout received by the filing of Pool Mortgage Insurance claim. The denial of SunTrust to disclose these documents, along with their pattern of lying, obvious inaccuracies, misinformation, and creating confusion, confirms my suspicion of violations and predatory lending.