I have been attempting to modify my loan. In XXXX and XXXX, after months of Suntrust losing my submitted documents or rejecting for numerous reasons, I was denied a modification of my loan in XXXX, XXXX ( which stands at 6 % ). I had fallen behind XXXX payments earlier in the life of the loan but ALWAYS paid my scheduled payment as agreed. I was just XXXX months behind. I asked and begged for those XXXX payments to be put at the end of my loan. I asked and begged for a lower rate and new terms ... denied. All they offered me was a repayment plan whereby they took what I owed, divided it by XXXX, and that would then allow me to " catch up ''. Problem is, and I explained this to them, is that this loan is an interest only loan which is due to TRIPLE my monthly payments this coming XXXX XXXX, XXXX. They were uncaring to say the least. 
Fast forward to today, XXXX XXXX, XXXX. I just tried to initiate another modification process ( this time the loan is not delinquent as I paid the XXXX months that I was behind in XXXX/XXXX of XXXX ). I was told by the home retention department that the refinance department had to help. I was told by the refinance department that the home retention department had to help me. 
I can already see where this is heading. I 'm solidly back at square XXXX with this company. The representative at the home retention department was n't even sure if they could help me since I 'm not behind on my mortgage. 
