On XXXX XXXX, 2014 I received a letter from SunTrust mortgage XXXX see attached XXXX ) about my statutory right to receive refund of unearned premium of my Private Mortgage Insurance ( PMI ). Encouraged by this news, I started the refinancing process and completed it in XXXX with a new mortgage which did not have PMI XXXX see attached XXXX ). I had upon origination of the original loan prepaid full premium of my mortgage insurance and following the Homeowners Protection Act 12 U.S. Code 4902, I submitted a request for refund of unearned premium ( see attached XXXX ). I am yet to receive a formal response from SunTrust. When I call them, they verbally tell me that I will not get paid because Mortgage Insurance provider ( XXXX ) issued a non-cancelable policy. When I tried reaching out to XXXX, they would not talk to me because I am not officially their client XXXX Suntrust is XXXX. My question - is it legal for Suntrust to obtain a non-cancelable PMI on my behalf from XXXX and not refund the unearned premium when PMI is no longer applicable? And how could I have avoided pre-payment of un-cancelable PMI? 
