SunTrust Banks, Inc. Mortgage Complaint

SunTrust Banks, Inc. Mortgage department,

Conventional adjustable mortgage (ARM) Loan servicing, payments, escrow account North Carolina

I signed a Bi-weekly payment plan with Suntrust Mortgage to be auto drafted from my Checking account at - in -/-/- for drafts to begin -/-/-. I had to make a full mortgage payment in -/-/- for -/-/-, and the auto drafts in - were to be credited to -/-/- payment, keeping me paid a month ahead. That is not whats been happening. Suntrust Mortgage continually harrasses me via telephone and via past due notices, and shows my account past due. They are holding my drafts in Suspense. I have called them each time i get the past due notice and they tell me in -/-/-, Suntrust " changed '' my Bi-weekly plan I signed to their " Sure Pay Plan '' and are holding my drafts in suspense, making my payments past due, when in fact they are not and should be showing paid a month ahead. This has not been happening. On -/-/-, I called them again because I got another past due letter for -/-/-. My drafts submitted on -/-/- and -/-/- which should have been for my -/-/- payments. When I called, they stated the payments were still holding in suspense and they would release them


now - will be due. They are not following through with what they have been telling me since -/-/- and it has ruined my credit., which I was also told by customer service on the -/-/- phone call to them that they would fix my credit and put me back on the original plan. I have proof from - they have been Drafting my checking account everytwo weeks ( my pay days ) for Suntrust Mortgage. I am filing a complaint against Suntrust Mortgage for unlawfully holding my monies, and harrassing me for past due payments which they already hold in suspense, and on top of that they are charging me late fees for payments that are NOT LATE. They need to refund me all my late and past due fees they have assessed and continue to assess, and return my Biweekly arrangement as originally signed for, fix my credit rating for their negligence and unauthorized change made to my payment arrangement, showing my account paid a month ahead as what it was originally set up to be. I should not owe as much as they continue to state I owe. Right now, for -/-/--/-/- they show I owe $1100.00, but are showing there is an UNAPPLIED FUNDS balance of $530.00 they holding in suspense. I should not have to call them everymonth to release those funds, which is whats been happening. Because of all these issues with Suntrust, I ca n't even re-finance the balance with any other lending institution because Suntrust has ruined my credit. And I also had requested in writing, along with a copy of my Divorce Decree, to change my name back to my maiden name of - ... ... they STILL have me listed as -. I have been divorced since - and I remain in the home and have been paying the mortgage. My ex-husband cant get his name off the mortgage because Suntrust has ruined MY credit and cant get refinanced in my name alone. My Mortgage Account Number is : - Property address is : -, - NC. My mailing address is : -, -, - NC - Please help me to clear this up with Suntrust Mortgage as I am at my wits end and may have to get an attorney if this is not cleared up and my credit repaired. Thank you in advance