Consumer complaint received 2015-12-01
Company: SUNTRUST BANKS, INC.
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Re : SunTrust Wrongful ForeclosureVictims : XXXX XXXX XXXX and XXXX XXXX XXXXForeclosed Property Address : XXXX XXXX XXXX XXXX XXXX - XXXX, WA XXXXLoan Numbers : XXXX Mortgage XXXX XXXX Mortgage XXXXIn XXXX of 2009 we applied for a Home Loan Modification through Sun Trust Mortgage due to a family tragedy that occurred in XXXX 2009. We were caught in a legal battle for our son and granddaughter, which consisted of XXXX court cases, which depleted our savings. In XXXX 2009 SunTrust Mortgage sent us the Home Affordable Modification Trail Period Plan Agreement requesting we pay {$1500.00} for 3 consecutive months starting XXXX XXXX, 2009 - XXXX XXXX, 2009. Within the same month we received another Home Modification Trail Pay Plan Agreement requesting we pay {$1600.00} starting XXXX XXXX, 2009 - XXXX XXXX, 2009. We called SunTrust and asked why we had received XXXX different pay plan agreements. They told us it was an error and to toss the {$1500.00} pay plan XXXX pay the {$1600.00} starting XXXX XXXX, 2009 - XXXX XXXX, 2009. Two weeks later we received yet another Home XXXX XXXX Pay Plan Agreement to pay {$1900.00} starting XXXX XXXX, 2009 - XXXX XXXX, 2009. We called SunTrust XXXX asked why we received a third Home Modification Pay Plan Agreement requesting us to pay {$1900.00}. We explained to them that the payments were too high. They stated that their representatives made errors in calculating the Home Modification Trail Pay Plan Agreement and that the amount we needed to pay was {$1900.00} starting XXXX XXXX, 2009 - XXXX XXXX, 2009. Upon paying the final payment in XXXX XXXX, 2009 we received the final Home Loan Modification Agreement Payment Plan documents, which were received mid XXXX 2009. The payments were now {$2400.00} with an escrow payment of {$370.00} totaling {$2800.00}. Our XXXX mortgage was modified as well with SunTrust under a separate XXXX XXXX XXXX XXXX for {$150.00}, bringing our monthly notes to {$3000.00}. We questioned SunTrust as to why they did n't combine the XXXX and XXXX mortgage, and why did n't the payment stay at {$1900.00}. We thought the XXXX, and XXXX mortgage plus escrow were combined would have totaled {$1900.00}. SunTrust told us the terms of the agreement were final and that if we could n't pay it we would need to vacate the property. We tried calling SunTrust on numerous occasions to discuss the inconsistencies surrounding the new terms. No one called us back. We continued to call them for several weeks, but they declined from speaking to us. On XXXX XXXX 2009 we found a Notice of Default on our door. We received a call from XXXX XXXX of XXXX XXXX XXXX XXXX. He explained that we needed to vacate the premises by XX/XX/2009. We moved out XXXX XXXX, 2009. We were in " total shock and dismay '' about the loss of our home. Not only did we lose our home, but also were going through a family crisis and financial hardship. We had to borrow against our XXXX in order to come up with the XXXX, last and deposit for our new rental home. We were n't able to get all of our belongings out of our garage, so we left a message for XXXX XXXX stating that we would get the remainder of our belongings after the Holiday season. XXXX left a message on our phone telling us that our items were removed and that he did n't know where they were. We never seen or heard back from XXXX XXXX after our initial encounter with him. 

We 've shared our misfortune with several Attorneys ', but they expressed that trying to go up against SunTrust Mortgage on an individual basis would cost us thousands and we probably would n't win our case because we did n't have the finances to go up against SunTrust Attorney 's.

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