Dear, My loan 30 Yr Fixed with PMI used to be serviced by XXXX Mortgage and in XXXX 2014 started being serviced by SunTrust Mortgage. I had requested to pay down my principal balance to remove the PMI. I ordered and paid for the full appraisal which is great. According to my loan documents and to an email ( in writing ) from SunTrust, the principal payment should bring the LTV to 80 % in order to remove the PMI. 
and here 's what happened:XXXX- First Issue : SunTrust violated the agreements : after completing the appraisal, they informed me that mt LTV should be 75 %, therefore I had to pay more to remove the PMI ( sent them many emails and made multiple calls, but received the poorest service and never replied to my emails promptly or even acknowledged my question, have all records ). However, I was confident that my property value would be high enough so this should not pose a big financial difficulty on my family. 
XXXX Second Issue : The appraisal was wrong. After being informed of my property value, I received a copy showing the size of my condo XXXX Sq Ft instead of XXXX Sq Ft. They used the size calculation method, which impacted the value of my property. Contacted them again and was sent from XXXX customer representative to another and was told I was wrong. I contacted my association to double check the size of my property and they confirmed it 's XXXX ( also in line with first appraisal I had years ago ) XXXX Having reached a dead end, I decide to proceed with submitting a payment of {$28000.00} to an address they provided me through email ( their secured mailbox and have the records ). The address was WRONG. I had mailed my payment through Priority Mail and included Delivery confirmation and ETA was 2-3 days. 2 weeks and nothing happened and mail showed as not delivered, and I realized address was wrong. So I contacted SunTrust and asked how we can resolve, the customer service suggested to process a payment through the phone so I accepted and followed her directions. She assured me that she will add a note to my account indicating that. 
XXXX Supposedly, shortly ( less than 24 hours ) after that SunTrust received my other check and deposited. It happened in the order I provided, first processed my online payment then processed the check. This resulted in overdraft fees at my bank in the amount of {$72.00} SunTrust started also charged me a NSF. I called them, reminded of what happened and they waived it. Now they are adding it back on my XXXX statement. 
Please help, I 'm willing to provide all the documentation needed. 
