Consumer complaint received 2015-06-01
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC. (CO)

In 2010 I was wrongfully foreclosed while in loan modification with SunTrust Bank. I was initially denied loan modification and had to hire a XXXX party to get the bank to respond. While I was in loan modification the bank foreclsed on me and demanded I vacate my house. For the first 8 months of the loan modification ( which was only supposed to be XXXX payments as per their documentation ) SunTrust sent back all my payments, I had to resend XXXX XXXX x, the bank claimed I did not have a note with them! The loan modification docs indicated it would be XXXX payments, they kept it in loan mod for XXXX as long. They did not do correct accounting and by refusing my payments while in loan mod they attempted to deny again. They delayed the loan modification by stalling on accepting payments and creating late fees. They foreclosed on me while in loan mod and then did not change ownership back to me when the foreclosure was rescinded in court. 
It took almost 2 years to get that wrongfull action addressed and SunTrust did go back to the court and rescind the foreclosure, I then had to threaten lawsuit to the law firm for not changing back the county filed record of ownership whcih took 3 years for them to correct. I qualify for multiple compensation categorys as a result of wrongs committed by SunTrust and their law firm XXXX and XXXX. 
I received in the mail a notification of a class action settlement for the above. I contacted the agency that is responsible for processing the SunTrust HAMP Settlement to individuals who had been wronged by SunTrust. IN the participation and release form it states that if you qualify for more compensation and would like a review of your case to notify them in writing which I did. I sent them XXXX pages of documentation for the additional deeds that were committed by SunTrust . I sent a letter requesting a review with the release form as directed by the XXXX, XXXX, at the Hamp settlement location. I followed up with the agency 2 weeks later to find out status of reivew, they told me there is no process for such and that I released them from any further claims!!! Under their direction I had signed that release form, the agent, XXXX had said that is the process to start the review. When I called back, I got another agent that told me I was given wrong information and that there is NO Review process. THEY LIED once again!!! NOt only have I been lied to by SunTrust, but now am being lied to by the very government mandated agency that is supposed to right a wrong! I sent proof of the mulitple wrong doings of the bank and they told me I was not eligible, even though it clearly states in the form sent out to me to file the claim. My desired resolution is for the case to be reviewed given the evidence that SunTrust is obviously not releasing, and to be compensated as per the stated damages mandated through court action. SunTrust knowingly called my insurance company while I was in loan mod, and told them I was no longer the owner so that my policy would be cancelled and suntrust could bilk me for an outrageous insurance binder thereby increasing what I owe, this I believe was rolled into the modification amount. I also was dealt a very bad loan modification deal and am upside down with the loan still, ie the loan is more then the house is worth.I wish that they reduce the loan amount to reflect the value, and get a fixed rate that is manageable.