In XXXX, I took a job at a XXXX in the XXXX, and we started renting our house in XXXX, TN. After the XXXX and XXXX mortgages reset from interest only to conventional loans in XXXX of XXXX, We started struggling to make payments on both our XXXX and XXXX mortgages with SunTrust Bank because the rent did n't cover the payments. We attempted a loan modification on XXXX separate occasions, but were denied each and every time. Each month, we sent as much as we could towards the mortgages, but continued to fall behind. Finally, we got caught up and current on the XXXX mortgage, and called today to pay over {$2000.00} in order to get current on the XXXX mortgage. Much to my shock, I was told that the XXXX mortgage was charged off on Monday ( XXXX/XXXX/XXXX )! I asked how this was possible because SunTrust has been accepting my automatic payments each month and, in fact, accepted a {$500.00} automatic payment just yesterday?! I asked how they could charge off a mortgage with no formal notification whatsoever?! The SunTrust representative told me that letters were mailed out in XXXX and XXXX of XXXX notifying me that a charge-off was possible, and I explained that I never received anything. I asked if the letters were sent certified mail. She said they had not. Then, I asked her where the letters were sent, and she gave my address for a residence that is 2 years old!! I asked her how it is possible that SunTrust has been sending statements to my correct address, but not the letters threatening to charge-off my XXXX mortgage?! She told me the home retention department did not have my current address, despite the fact that I provided SunTrust Bank with my current mailing address in XXXX of XXXX when I agreed to the terms of the mortgage resetting from an interest only to a conventional loan and despite the fact that I made XXXX separate applications for loan modification using my current address since XXXX of XXXX. So, SunTrust Bank has charged-off my XXXX mortgage without properly notifying me, and the bank refuses to accept the amount past due to bring the mortgage current because I am tried to bring the loan current 2 business days past a deadline that I did n't even know existed because non-certified letters were being sent to an address where I have not lived for 2 years! All I am asking is that SunTrust acknowledge their inadequate communication, and treat this matter like it was XXXX/XXXX/XXXX by accepting my past due amount on the XXXX mortgage to bring it current and reinstating the loan so that I can continue to make regular monthly payments ( because the rent now covers both the XXXX and XXXX mortgages ). I hope you can bring some common sense into this situation. Thank you. 
