This is a call for help from XXXX XXXX US Veterans who were scammed by XXXX banks : SunTrust and XXXX XXXX. 
XX/XX/XXXX we closed on an {$800000.00} thirty year home loan at 5.8 % interest only for ten years. Monthly payments $ XXXXDuring year eight we called SunTrust to explore what alternatives we might expect to have at the end of year ten. We had a perfect payment history on this loan. We wanted to talk about converting our loan to a principle and interest loan through a simple modification or refinance at this time since mortgage rates were at historically low. 
We were advised by SunTrust that they want to help us but could not talk to us about a loan modification unless we were delinquent and the loan was in default. 
The SunTrust agents advised us multiple times to stop making payments so they could help us. We finally relinquished and SunTrust put us in their Loan Modification ProgramThus began a fourteen month nightmare of delays, harassment, lies and deceit. What a joke. Files could get frequently misplaced or 'lost ' many times. This eventually led to a 'modification ' in name only. It added {$75000.00} to principle plus an increase to monthly payments. Sort of an " extend and pretend '' program designed to move the homeowner toward foreclosure. They also ruined our credit. 
Lastly, we were threatened with foreclosure if we did not accept the modification. 
Monthly Interest Payments now are $ XXXXSurprise, XXXX XXXX appears as owner disclosed for the first time in the new documents. Though SunTrust said XXXX XXXX called all the shots, we were forbidden to contact XXXX XXXX about the new loan. 
Not wanting to lose our home, we were forced into the " modification '' agreement. We feel we were purposely led astray by both XXXX XXXX and SunTrust to gain control of our home by nefarious means. 
SunTrust has informed us that our new " Modified '' Home loan will go up to {$8800.00} a month XX/XX/XXXX. 
Thanks to the way we were misled into a " loan modification '' by SunTrust and XXXX XXXX it has damaged our credit and put us in a position where it is difficult and or impossible for us to qualify for loan with a new lender. 
We have tried for a VA refinance loan but were told due to the " Modification Loan " and our lower credit numbers brought on by the non- payments on our old mortgage we are ineligible for a loan. 
We are requesting that the loan be rolled back to its original terms ( balance, etc. ) and our credit derogatory comments be removed. 
We are happy to consider some modification program that they have as long as it is fair and clear. We have heard XXXX XXXX has a program as low as 3 %. We will then be able to afford and stay in our home. 
This will provide XXXX XXXX with borrowers with a long history of on time mortgage payments. 
