Consumer complaint received 2016-02-11
Company: SUNTRUST BANKS, INC.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I had submitted a complaint last XXXX to Suntrust, asking them to finally correct damaging and false information sent to the credit bureau telling them the following ( word per word on my CB ( credit bureau ) report ) : XXXX Suntrust Mtg DELINQ XXXX Late Dates XXXX, XXXX, XXXX FORECLOSURE INITIATED ; CONVENTIONAL REAL ESTATE MORTGAGE ; XXXX ACCOUNT/ SERIOUS DELINQUENCY. To then get a reply today from Suntrust saying they reviewed my concerns on their negative information they sent to CB, stating they are required to report accurately, then goes on to state I became delinquent in XXXX XXXX, funny how they never mentioned that in all my 13 years of my loan I was never ever late till then. Then mentioned payment was posted in XXXX XXXX, XXXX and claims that was the last payment ever made. I have all copies of my payment history to Suntrut along with a full log report of my entire ordeal for my " loan modification process ''. 
Then Suntrust claim it is NOT their practice to encourage delinquency on their mortgage to qualify you for a loan modification - that in its self is such a lie, the first thing they told me was, since I was up to date on all my payments I would not qualify for loan modification program, to qualify I would need to be at least 3 or more months in rears for them to even review my application. 
I paid off my entire mortgage loan after my regular home sale, along with Suntrust hefty attorney fees and numerous other fees they conjured up even though they claim I had a " trial plan ''. 
I decided to sell, then to continue being webbed in a vicious circle from Suntrust modification " program '' to keep increasing my debt. 
Attach is the letter from Suntrust to me after I had contacted them several times back in XXXX to have them correct my CB report. 
In their letter they never apologized, but told me it was determined that an " inadvertent clerical error was made '' and requested that XXXX, XXXX & XXXX update my credit report accordingly. Unreal how Suntrust, after submitting wrongful and misleading information to someones credit report, say it was an error! yet even after sending me that letter, Suntrust never sent any information to CB to correct their so called " error ''. 
All I have asked Suntrust is to remove their the damaging and false information. Now you be the judge here, as seen in the beginning of my complaint, they stated I was in " foreclosure initiated '' which was never true, you clearly see suntrust reply saying they " never practice in telling customers to become delinquent on their loans '' for the purpose of initiating a " loan modification '', the other false information they sent to CB was telling I was 120+++ days late. 
First of all when you start a loan modification I was told the process would be on hold till the modification process became active and " no negative report would be sent to CB '' Lies after lies, I am fed up. 
I may be just a number to Suntrust with no concerns for all the negative remarks they sent to CB over and over again. It 's time Suntrust corrects this once and for all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation