Suntrust Bank (Representative Ashleigh and Branch Manager aka. Male Jerk) Victimizes with Ignorance, Dereliction, and/or Malfeasance Franklin Tennessee

It is stated in the initial report that I make no claim as to the viability of obtaining a judgment in the matter referenced.  In fact, I commented on the unlikelihood (given the relatively low level of damages) that an attorney would be intrigued to take the case.  Your pithy comment offers no new insight or information, but does seem to give evidence of an agenda: do you have a pending job application with Suntrust?  Maybe just a similarly unconcerned bank employee or someonone who can commiserate with a a similar lack of professionalism.  I doubt anyone will be "beating down your door" in the blogosphere to seek your advice.  

The facts material to the case are immutable.  I spoke in person with the "representative" (your cute little quotation marks, not mine).  It was not a teller, but an agent at a desk to whom I was referred after making clear the nature of my inquiry.  She was presented as an authority, and I did not at that time have reason to believe otherwise.  Also, I find it remarkable that you feel qualified, without any type of interview, to not only question my reliance on information received from this source, but to make the assessment as to my "mens rea" (that means frame of mind, in case you were wondering) in deciding who to believe.  I received contradictory information and I contacted the only individual with whom had ever had an interface.  I was told unequivocally (by an agent represented to me as a loan expert) that the call from underwriting had been in error.  I think this, as I suspect would most impartial, reasonable people, crossed the threshold for due diligence by a responsible consumer.

It is entirely irrelevant what were the actual figures (although your figures are considerably low) constituting the doubling of the interest rate.  Likewise, it is immaterial whether or not I am undermined (which I am) trying to obtain ex post facto financing.  With regard to my personal inconvenience, it's also not important whether the motive for the agent's misinformation was to deliberately work to my disadvantage or to camouflage her own failure to do adequate research and/or demonstrate an acceptable level of expertise.  It can only be logically attributable to either gross incompetence or a desire to conceal the truth, in either case.  That is the only outcome that matters.

I wholeheartedlly stand by my initial assessment and summary caveat to anyone considering using this branch and, by extension, this bank.  I would be glad if I can, by sharing the details of my misfortune, help another to avoid a similar experience.

 This basically seems to come down to an issue where you got two conficting answers

Answer 1 - That your interest rate won't be affected.

Answer 2 - That your interest rate could be affected.

The problem is that you took the answer you WANTED to hear from a "representive" instead of the answer you didn't want to hear from the actual department that does the approvals.   Now, should the departments have better communication..of course.  But there is a huge jump from a lack of communication to them doing this intentionally..because remember the actual loan department told you it may be an issue.

If you can find a lawyer who won't charge you up front..good luck and more power to you.  But based on what you wrote here don't expect them to be beating down your door to take your case.

One other thing you did not mention is how much did the interest rate increase?  You said it doubled, so there is a big difference between going from a 2% to a 4% than there is going from a 6% to a 12%.  Just how much "extra" is this going to cost you.  Then the other item is what is keeping you from getting a loan at another bank for a lower rate?