Consumer complaint received 2016-11-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (GA)

SunTrust Mortgage has been trying to force a foreclosure on my house for years now. Harassing phone calls and letters to intimidate me. They have not been applying my payments and misapplying payments and advise me to not pay until they figure out my mortgage. It started in XX/XX/XXXX with a misapplied payment. XXXX was payed on my XXXX mortgage and payed it off. XXXX mortgage was XXXX. I was contacted by SunTrust Mortgage and told my house would be foreclosed for no payment. I explained I payed at branch. I went back to the branch and was told the payment had been misapplied. So I spoke with branch XXXX and they said they would fix it. I made another payment a couple days later of XXXX to satisfy my XXXX mortgage. They held money in suspense. I made my XX/XX/XXXX payment in the amount of XXXX. Again held in suspense. I am told to not make anymore payments by SunTrust Mortgage. XX/XX/XXXX rolls around and I get letter of forclosure. I contact SunTrust and threatened to seek legal help. They send me to there escalation department. They cancel my life insurance in XX/XX/XXXX and did n't tell me. I 'm getting rude calls from associates from SunTrust Mortgage. Threatened forclosure and telling me that I need to bring in XXXX and it would satisfy my payments for XX/XX/XXXX and XX/XX/XXXX because they close the XXXX mortgage. I EXPLAINED that I would sue them if they did n't apply my money where it was supposed to go. Every time I took in money that and XXXX told me to take in they acted like they was n't going to apply it. It sat in suspense for 4 months causing my credit score to drop to a XXXX. I got a letter saying that they would foreclose in 14 day in late XX/XX/XXXX. So I reached out to Hud then hope and had a councilor go over my case. We did a conference call. All this time they would n't let me speak with my home preservation XXXX but when my hope councilor call in with me they changed there tone and started working on it. I had been trying for 4 months to get it resolved. My hope councilor spoke with them and got in contact with my home preservation councilor first phone call. This was a Tuesday. By Saturday they applied the misapplied payment. Then told me to bring in XXXX and something dollars and then XXXX for second loan to fix it. Then turned around and misapplied the XXXX something and called me again harassing. My credit still has n't been fixed and Im tired of SunTrust Mortgage trying to be slick. If I would n't have seeked a professional help they would of forced me out of my house and kept my money. After it all was said and done I was 2 months ahead with my mortgage. My property value has tripled and I have owned the house 9 years paid XXXX it 's worth XXXX I owe XXXX they have made there money off me if they could of forced a forclosure they could sale my house easy and make a quarter XXXX dollars. XXXX ... ... ... Shame on SunTrust Mortgage. Oh yeah 9 years and they will not refinance, modify, or let me access my equity. I am still at a XXXX intrested rate. That 's why the messed up my credit because other lenders are reaching out to me to refinance. They are discriminating against me. They ca n't explain or show me how they have been Appling my payments and say I owe them XXXX in late fees when I was paying XXXX a month. XXXX is my mortgage. I WAS TOLD TO PAY XXXX FOR LATE FEES. HIGHWAY ROBBERS. HORSE THEIF. CATTLE RUSTLERS. shame shame shame.