To knowingly or willingly employ any device, scheme, or artifice to defraud ; ( b ) To engage in any transaction, practice, or course of business which operates as a fraud upon any person in connection with the purchase or sale of any mortgage loan ; or loan modification ( c ) To obtain property by fraud, willful misrepresentation of a future act, or false promise. ( d ) In any matter within the jurisdiction of the office, to knowingly and willfully falsify, conceal, or cover up by a trick, scheme, or device a material fact, make any false or fraudulent statement or representation, or make or use any false writing or document, knowing the same to contain any false or fraudulent statement or entry. 
To violate s. 655.922 ( 2 ), subject to ss. 494.001-494.0077. 
Commission of fraud, misrepresentation, concealment, or dishonest dealing by trick, scheme, or device ; culpable negligence ; breach of trust in any business transaction in any state, nation, or territory ; or aiding, assisting, or conspiring with any other person engaged in any such misconduct and in furtherance thereof. 
XXXX XXXX from Suntrust engaging in constant concealment and misrepresentation of facts. 
Borrower was charged for items or " Advances whit the borrower already had long paid : This complaint is to address the XXXX/XXXX/2012 $ 107.29 % XXXX/XXXX/2012 alleged advances for which the borrower already paid again part of non existent and concocted modification : 1 ) Borrower was charged {$100.00} which XXXX XXXX from Suntrust is insisting it was not paid! The receipt & even the statement from Suntrust acknowledged the payment of {$100.00} ( see attached ) 2 ) Borrower was charged again for the {$210.00} which was already paid back. The amount was subtracted by Suntrust already in from the borrower escrow balance in XXXX 2012. 
-See statement for XXXX/XXXX/2012 Escrow balance as of XXXX XXXX {$2600.00} -See statement for XXXX/XXXX/2012 XXXX/XXXX/2012 the hazard insurance is paid XXXX - {$2800.00} = - {$210.00} Same statement the payment from XX/XX/XXXX adds money to escrow + {$600.00} See escrow balance now = {$390.00} If the advance of {$210.00} would not be subtracted the escrow would be {$600.00} This is just simple math! How can XXXX Bank/Mortgage investigator be so incompetent! 
This is another {$310.00} charged to borrower for payments that were already made! 
