Complaint Review: J. Gregory Matthews Sun Trust Bank - J. Scott Flowers Hutchens Senter & Britton P. A.

SUN TRUST NEEDS TO HONOR SunTrust Mortgage ranked Highest in Overall Customer Satisfaction by J.D. Power and...
Tue Oct 21, 2008 3:14pm EDT

Customers rated lenders in three key areas including the application/approval process, interaction with the loan officer or mortgage broker, and the closing experience.

Rachel Hemric and Veta Hemric would like to see the statistics on Sun Trust's PREDATORY FORECLOSURE experiences...and the customer satisfaction ranking; especially those concerning 85 years old victims of embezzlement, and other extenuating circumstances that involve J. Scott Flowers of Hutchens Senter & Britton P.A. Substitute Trustee Services Inc.

PREDATORY LENDING LEADS TO PREDATORY FORECLOSURES that lead to EVICTION of the once debt free victim...Rachel Hemric is losing her home...her properties and her businesses...and I am losing my inheritance...Thanks a lot Sun Trust...I could have gone my entire life without meeting J. Scott Flowers and the illustrious financial predator Wayne Dixon; Yadkin County Clerk of Court. This office of the Yadkin County Clerk of Court is nothing less than a financial perpetrator...a flim flam artist...running a money laundering and property laundering criminal operation as an elected official, sworn to an oath of office renegade taker by false pretense the properties of my mother and others that I have first hand knowledge of. This original creator of this 108,000.00 loan was CFIC...Sun Trust chose to take over the CFIC loan that was a predatory lending situatioin...CFIC employed as a consultant, a man who was released from Leavenworth for bank fraud....consider the source of the report by J. D. Powers....SOURCE SunTrust Mortgage, Inc. Mickey Chainski, for SunTrust Mortgage, Inc. More than 14,000.00 was pumped into this loan for the fees of J. Scott Flowers for humiliation to my mother and me...I would like to see a billable hours statement of billing for this most valuable Hutchens, Senter & Britton P.A. Sustitute Trustee of Subtitute Trustee Services, Inc. While you are about it, please send proof of your actually being in possession of the orignianl note in unaltered state, unwritten upon state...the owner of the original note is the only party who is legally allowed to foreclosue....however Wayne Dixon sees everything through green colored glasses...his glass is always more than 1/2 full. From this outrageous bill, J. Scott Flowers must have a very full glass also. Please respond with your now very humiliating and very late fee. You have the bucks and we want damages for what you employed this overly aggressive and creative pit bull substitute trustee to do...Rachel Hemris is 85 and worried...hurry with your payment so she can beging to have a life again...the Murder Without a Mark; Murder Without a Weapon is drawing to an end...and you can bet there will be more jobs lost...and possible security bonds...read into that anything you want. I have lost a fortune...and my work on that website that was lost during this time of Sun Trust and Regions Mortgage upheaval in my mother's life is priceless. Let's see how well you perform on this new order...your highly prized name is at risk and it is no more valuable than mine or my mother...we are all equal in the eyes of God....This is not Wayne Dixon Day.

SunTrust Mortgage performed well in three factors with an overall satisfaction index score of 790, scoring above the industry average of 757. "We are extremely pleased to be ranked highest in customer satisfaction by J.D. Power and Associates for our exceptional customer service," said Sterling Edmunds, Jr., president and CEO, SunTrust Mortgage, Inc.

"We work very hard to earn our customers' trust, and nothing is more important to us than hearing that our customers believe we are doing a good job in meeting and exceeding their expectations.

This recognition validates our long-standing focus on building customer relationships and our passion to help customers be successful homeowners through responsible lending."



Pre victim status...Rachel Hemric's credit score was 780...now non existent...predatory lending leads to predatory foreclosures...and substitute trustee servicers who have no first hand knowledge of the loan or the circumstances involved and could care less...they mean to be effective for their client, even if it means withholding payoff information from an 85 years old woman who is requesting to pay off the loan via a reverse mortgage. Your fee is now tripled as stated in the original terms if not honored in a timely manner. ...you have my permission to give all correspondence to Rebecca Britton of Hutchens, Senter & Britton P.A. ...and as soon as she has walked in my shoes and the shoes of Rachel Long Hemric for the 2 decade session of humiliation, devastation and loss and the 56 attorneys that invaded our lives via that signature on the dotted line of the first and original predatory lenidng nightmare of May 14, 1990...she can then comment on Soverigns....until then, your bill is past due...the total amount now due to your Sun Trust customer who is evidently NOT among those interviewed by J. D. Powers...Rachel Long Hemric, my mother; is now due and payable $16,050,117.60. You need to call off your pit-bull sustitute trustee team. Rachel Hemric and Veta Hemric are seeking the removal of the Sheriff of Yadkin County, Michael Cain and the removal of Wayne Dixon, Clerk of Court, Yadkin County, North Carolina. We are NOT satisfied customers....not until PAID IN FULL.


Veta Suzanne Hemric Power of Attorney
Rachel Long Hemric 4941 Collins Road Hamptonville, North Carolina [27020]
Sun Trust Mortgage Richmond, Virginia 23260-6149
January 10, 2009
Second billing
Attention: Gregory Boyd
Additional Charges applied for the sale of the property at 4941 Collins Road, Hamptonville, North Carolina 27020. $500,000.00 Use of copyrighted material... See Enclosure: REPORT OF FORECLOSURE SALE/RESALE: December 30, 2008.

I do not believe your Substitute Trustee, J. Scott Flowers, Hutchens, Senter & Britton has made you aware of his incompetency; gross negligence and tortuous interventions.

Please take care of the bookkeeping entries to make certain this is credited to Rachel Long Hemric. You are informed also that EMC is also PAID IN FULL. This is most horrific to torture an 85 years old woman with being put out of her home; the loss of her home is the most serious of losses...she does not deserve to be part of any of this; now almost 19 years old series of criminal perpetrations against her name......she had 83 years of stellar credit performance until predators made it into her life....Sun Trust I am sure does not wish to be advertised as one of these perpetrators of fraud against her name in the taking of her home by false pretense, and selling her home at auction in Yadkin County....Yadkin County has other very serious perpetrations reported...'whisper sales.'

Please add an additional $500,000.00 the existing debt owed to my mother for this most serious of mistakes...Gregory Matthews stood in for J. Scott Flowers...this amount if added to the now existing...$4,850,039.20 plus $500,000.00 is now $5,350,039.20; and if we are forced to do a reverse mortgage to reclaim this property, those charges will also be added in triplicate. There is no use in such disrespect to the integrity of the judicial system...Terms of payment stated in original mailing of December 28, 2008; corrected amount in mailing of December 29, 2008.

Rachel Hemric sought diligently to pay off her loan to Sun Trust. Every effort was interrupted by J. Scott Flowers.....No payment is due as you can see. Rachel Long Hemric is a copyrighted name....and for good cause as you may determine as you read some of the enclosures.
Enclosed is the mailings of December 28, 29, 30; and today, December 31, 2008 to you...as you may or may not remember, this Copyright Notice was mailed to you via certified mailing 7007 2680 0001 8419 8360; thus making you also aware of our intent to prosecute anyone using our name(s) illegally. You were, or should have been aware, of the existence on the date of December 17 of the penalties of use of the copyrighted name of Rachel Long Hemric without her permission...

We have every need to copyright our names as we have the unfortunate experience of having been the multiple victims of property frauds...predatory lending, identity theft, multiple forgeries of my name that has escalated a debt in excess of $400,000.00 from the original date of May 14, 1990 in which the loan amount was $345,000.00...almost one hundred thousand more than what it was 13 years previous...with Carolina Farm Credit receiving via direct deposit...100% of the money from the two poultry houses, the original one being financed by Central Carolina Bank, now Sun Trust. This too was a predatory loan in the taking of my mother's property by false pretense... This was our initial encounter with what is now Sun Trust Bank/Mortgage. I have had varied experiences with Sun Trust...yesterday was memorable to say the least in the selling of my mother's home when it could have been paid for with cooperation of Sun Trust, their Substitute Trustee, or working equipment....
In order to remove the possibility of possible losses that have perpetuated from the unapprovedpermissioned use of my name, I have opted to copyright my name as has my mother, Rachel Long Hemric....Until you have gone through the abusive losses and the expenses involved with correction of identity theft and violations of the use of your name, one does not know how to appreciate what and/or how important one's name is...then you as a banker do realize the importance of a signature. I need not tell you as this is your business, the business of obtaining a proper signature on the proper documents in a timely manner...in a timely and productive; efficient manner is what this notification is all about. I am the daughter of Rachel Hemric. I have first hand information on all stated facts....

Veta
Hamptonville, North Carolina
U.S.A.