Suntrust will not respond to me, now I am in Foreclosure

We also did what suntrust told us to do, now they will not help and we are in foreclosure. Anytime we call they forward us to the lawyers. We made a payment so we should have only been 2 behind and they kicked back the payment and sent us into foreclosure there has to be something we can do. We fell behind cuz they said they would help and after we were behind they said you have to pay everything up to date before we can help you...This company is unfair and should NOT be able to do this. We have 6 kids, medical bills and I am a business owner. We want to take legal actions and get everyone involved that suntrust has done wrong to. Please email me if you want to help or also need help, there has to be something we can do if we all come together.

Hey, I'm looking into info about Suntrust's loan midifications. I'm at 6.25% fixed with a payment of 2000$ (with taxes). My fiance' and I have 1 13 month old child. Were only 2 weeks behind but I forsee us going far behind because of a recent pay cut I received due to the economy. Is there any advice you can give me?

my e-mail is not listed here

The modifications to save your home and wealth are being universally denied. SunTrust refuses to listen or read the facts from the US Treasury site, on the modification procedures. My call was returned by Lisa Lawless, (No Joke or pun on her last name) where she said I was foolish in reading the materials from A spoofed website, which wanted to capitalize on my situation. As a federal contractor, I know the validity of the US Treasury website. I will sue SunTrust for fraud, having the trial in open federal court, open to the press. Sue them as I described, but not related to your lack of getting a modification, that's protected by law. General fraud statements, made by the bank are the crux of a civil lawsuit. What jury would not grant you a verdict in your favor, and award you the balance of your home, plus a punitive amount?
Recommended formula, loan balance times three, but never mention how you came up with the number.

We too got behind with Suntrust. They started refusing our payments in May so we sent in our financial info. After a month of them not contacting us and putting us off. They finally said they did not recieve our info. I have a certified recipte that they did. I then faxed all the info. They said they got it and to call back in 3 weeks. This was June 6 I have called every monday since then and today Aug 12th they tell me that it was finally picked up for review and I should call back in 3 weeks. I shouldnt have to call back. On top of that we got a letter in the mail from a lawyer stating that our home was up for auction on Aug 25th. I called suntrust and they said it would not be sold if they were still working on our information. I am sick to my stomach. I think they are full of it and arent intending on helping us. I called the lawyer but only got an answering machine. We have no savings we have our most recent payments saved up but after all their fees and such we dont have nearly enough to get home back. I dont know what to do.

My situation with SunTrust began in Sept. 2008 when my husband got laid off of work. At that time I contacted them and asked for any type of assistance that they could give me in paying my mortgage, but there response was “Nothing we can do for you unless you are 90+days behind.” So, apparently there was nothing that could be done at that time. We were able to pay our bill on time until January of 2009, when we started to fall behind again. I made another call, same story. When Obama passed his plan this year, I immediately started the loan modification process. That began in April, after five months, countless phone calls and hours on the phone; I finally got my loan modification package in the mail in September. Hoping for a miracle, a major disappointment appeared before my eyes when I opened the package, the mortgage had only decreased $11.00. How could that be, considering we had such a dramatic decrease in our income. According to SunTrust, they only take our income into consideration, not our debt. But, they told us to send back the paperwork unsigned and they would look for another workout option. So, here we go again! As of today, we are 90+ days behind on our mortgage payment, as SunTrust once told us to do. When I called and asked for help I am now told they can’t help me because I am 90+ days behind. When asked about their previous statement of “having to be” 90 days late to receive help, they said that things are different now. How convenient for them! We received our letter of default but are told they won’t proceed with the actual sale of our house because we are in the loan modification process, but I am sure that’s a lie too. I am very interested in talking with others about hearing what your situation might be. I am also looking for any advice that someone might want to give. I am going to fight this all the way through, to the point where SunTrust will WANT TO GIVE ME BACK MY HOME!!

If you are interested in fighting, please check out this blog.

I had the same awful experience with SunTrust. I contacted them when I knew that I was in trouble and they told me that they couldn't help me until I was 3 payments behind. It took two years but eventually, I did fall 2 payments behind. They would not allow me to catch up. I called many times and the people on the phone can't take a payment - a full payment but not the total amount that I was behind. They sent my mortgage to foreclosure, which was actually a blessing because working with the law firm was SO MUCH EASIER than dealing with SunTrust. The law firm actually called back and when I told them what was going on and that I just needed the total amount, I had it within a day and a half. I sent the money to the law firm and they forwarded it to SunTrust on 10/28/09. The payments were posted and my mortgage was brought current. It is now December 8th and SunTrust STILL won't take my payments. When I last checked, they has not removed the "lock" on my account to allow payments to be posted. Their first story was that they couldn't post my payments becuse there was a CREDIT on my account. They wouldn't say how much and this was after more than 10 calls in a week to their call center. I received a check two weeks later for $78. They said that I had to make a payment using Western Union last month so I did that - instant money to them. It took countless phone calls and 13 days for them to post the Western Union payment. I sent my December payment on November 24th. It is still not posted. They are the most unprofessional, frustrating, scam artists that I have ever had to deal with. I cannot believe that they are not required to be ethical at a minimum and accountable. SunTrust mortgage is a nightmare to deal with.

my goodness, why didnt i find this site earlier? my situation is exactly the same as these. frustration and doing all i can to keep a home. my husband too was affected by the economy..which by the way was caused by these mortgage companies in the first place, right? we did what we were supposed to. no arm but a fixed. something that was affordable. no its not fair. yes they are liars and crooks. i have now learned i will never in my lifetime ever again be a slave to any finance company! they will pay me from now on. im getting intrest instead of paying to finance. live penny to penny now so i can live wealthy later.

iam so hopless me and my husband has been fighting with suntrust for the longest my houseis up for auction on feb 2 2010 iam tryin to make an extesion with them they say they cant help wellsfargo has the loan i called the attorneys office they put me back and forth iam weak and sick from this they are rude and they wont listenor help they said iam not qualified for the affordable home program under obama

But you are eligble for a loan modification. which we went through the same thing with SunTrust and they finally gave us a loan modification 2 days before auction. They drug their feet for 4 months after I called every 10 days and they said they hadnt gotten around to us yet. Same answer every 10 days. Assuring us everytime they had our documents and where not going to forcloseThere is a new program for FHA loans if thats what you have. FHA borrowers who are experiencing difficulty making their mortgage payments should contact their loan servicer to determine if they qualify for the FHA-Home Affordable Modification Program.

Demand to be considered for the loan and tell them your auction date..... If the person you are talking to is getting you nowhere then demand to talk to the supervisior... Dont let them steamroll you and tell you there is nothing they can do. Its BS! Good Luck and God Bless Liz

Thanks liz i have a private loan no fha i had a modification last year which I thought will decrease my mortgage it made my mortgage higher they say iam not qualified for another one until a year iam going through naca and making homes affordable which everone comes first iam fighting and working the phones.

WOW....glad to know that I am not alone!!!!! We have been dealing with SunTrust for the past year and it has been a NIGHTMARE!!! We called them for help for ONE month....just ONE and they suggested we get a forbearance, which they granted for three months. After two months we were able to resume our payments early, but they refused to accept them. They returned them to us each month, now our credit is destroyed and we were NEVER....EVER late with a payment. They are reporting 11 months of non-payment. They started the forclosure process and we were able to modify our loan and now show current.
Despite that, our credit is trashed and they refuse to fix the error they made. I have taken it up to the President and CEO, and as of yesterday they will not admit to the error, or fix our credit.
FRUSTRATED!!!