Using my Suntrust checking account, Automatic Bill Pay, I set up a recurring payment to my mortgage company. I placed a 12 month term on it. I did not note the expiration of the period. I ASSUMED that I would get a notice from Suntrust, as I get emails each month on my usual bill pay accounts.

The last payment was made in September 2013. I received no notice that the recurring payment had expired. Therefore the October payment was not made. When it came time for the November payment, the mortgage company started calling and actually sent someone to the house to find out what was going on.

I went to a Suntrust branch on A Saturday morning and found out about the recurring payment being expired, and no notice.

The personal banker gave me a letter stating that they did not make me aware of the payment expiring. I immediately contact the mortgage company, made all payments to get current, and provided the letter and asked that I not be penalized with a bad report on my credit report.

In the meantime, I asked for a credit card with Suntust, and was initially denied due to the missed or late mortgage payment. I protested and was given a small $2500 crdit card, which I never actuated.

Now the negative report is still on my credit history. My mortgage company states they need an official letter from Suntrust with more detail to take off the late payment.

Suntrust refuses to give me a letter due to "liability" issues. They acknowledge they do not notify anyone when a recurring payment expires, but refuse to write a letter stating that. Nor can they provide me with a copy of the terms and conditions where this would be indicated either.

In the meantime, I suffer from have a late mortgage payment on my credit, and no one willing to help, although I have never had an issue in over 25 years of making mortgage payments except this one issue.

Any suggestion?

Sincerely,

Newt Ware

Aragon, Georgia

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