BB&T CORPORATION CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
08/24/2017 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • NC
  • XXXXX
Web
XXXX XXXX, XXXX To Whom It May Concern : On XXXX/XXXX/XXXX the Federal Reserve forwarded to CFPB a complaint I lodged with them against Branch Banking and Trust ( BB & T ). On XXXX/XXXX/XXXX I was notified by the NCCOB that the bank had responded to the complaint ( please see complaint # XXXX XXXX. At this time, I would like to open a new complaint based on new information obtained by myself as well as information and incidences which factually contradict BB & Ts claims in their response, and may well rise to the level of creating false documentation in order to bolster their claims, which do not factually exist. On page 1, please see attached excerpt ( BBT 1 Opt In ), XXXX XXXX, respondent for BB & T states I opted into overdraft protection, in part, when I opened the account, for those transactions involving ATM and everyday ( one time ) debit card transactions. I hold this is patently untrue. XXXX XXXX then continues on to state that since I did not opt out on the second tier of overdraft review, I was automatically opted in. Contrary to what the confusing verbiage opt in implies, per BB & Ts overdraft policy, if I am opted in Checks, ACH transactions and recurring debit transactions ( per XXXX XXXX own specification that recurring debit transactions are applicable to this tier ) will not be honored by BB & Ts overdraft policy and will be returned NSF. As you can see from the attached excerpts ( BBT 1 Opt In B, C & D ), this debit charge of {$29.00} is, in fact, a recurring debit transaction and therefore should have been returned NSF a single time OR DENIED. That is if you use the manually reproduced statement provided to you by XXXX XXXX, which is inaccurate at best, or utterly falsified documentation, at worst. I hate to make such an accusation as the latter, but the evidence bears me out. Please refer to excerpt BBT 2 Manually Created Account Statement, attached, which is a screenshot from page 2 of XXXX XXXX response. There is indisputable evidence that this is not, in fact, my statement, but a file created to appear like a statement. Please note the two items circled in blue, both of which state the transactions occurring are from XXXX. Now, please reference the screenshot I took on XXXX/XXXX/XXXX of my account ( BBT ). You will note it clearly shows the first line item highlighted is a charge from XXXX XXXX on XXXX XXXX XXXX, and the second item is a charge from XXXX XXXX, also on XXXX XXXX XXXX, and not XXXX charges. This is further supported by the bank statement I have downloaded from BB & T.com, please see both the excerpt created for your convenience ( BBT Account Excerpt ) and my actual statement ending on XXXX/XXXX/XXXX ( Account Statement BBT ). That the bank would create an account statement as documentation instead of providing the actual statement to the NCCOB and CFPB, thoroughly discredits the integrity and authenticity of the respondents provided proof. Again, referring to BBT 2 Manually Created Account Statement, attached, you will note the XXXX charge from XXXX by way of XXXX, which is XXXX XXXX and BB & Ts claimed basis for XXXX in charges, is clearly under Pending Activity. It has not cleared my account. This is confirmed by my own screenshot of my account on XXXX/XXXX/XXXX ( BBT ). Further, we have yet another discrepancy between the manually created/altered account statement and the screenshot provided and that is the notation on the former which states : Beginning Available Balance ( Less Pending Activity ), whereas the account activity on the site shows no such reference. It should be noted in XXXX v. XXXX XXXX, XXXX XXXX XXXX were ordered to refund {$200.00} million dollars in overdraft fees for practices which equaled profiteering in the Courts opinion. Of those practices, mentioned specifically, was : XXXX XXXX online banking system, for example, would display pending purchases in chronological order, leading customers to believe that the processing would take place in that order. A practice which BB & T itself employs. To wit : The charge for {$29.00} occurred at XXXX XXXX. XXXX or XXXX EST. As of XXXX XXXX EST when I last checked my account ( for the dozenth time on the day ), I had an available balance of {$15.00} after all the charges highlighted in BBT XXXX Cleared were showing as having cleared my account. IF, in fact, these charges were pending and had not cleared my account, they should have been showing in the Pending section, which they were not. At approximately XXXX XXXX. we made a purchase for {$10.00}, which left my account with a balance of {$5.00}, as confirmed by the online banking system at XXXX XXXX EST. These facts are supported by XXXX and BB & Ts own system. Today, during a call with XXXX, I learned that when a credit or debit by XXXX is made to a BB & T account, BB & T sends an electronic transmission to XXXX providing the balance of the account prior to any transaction being made. A representative there was kind enough to help me obtain a hard copy of these electronic transactions, please see file XXXX Account Activity XXXX. There are important points to make regarding this documentation : A. Chronologically, that {$29.00} charge takes place at XXXX XXXX a full 6 hours and 57 minutes after the very last transaction to occur on my account. B. At XXXX XXXX, a credit is issued to the very same card the {$29.00} was debited from, in the amount of {$42.00}, a full 7 hours and 40 minutes prior to the charge BB & T uses as a basis for {$210.00} in overdraft fees. a. BB & T never posted this credit to my account pending or otherwise where it could be viewed by me, yet BB & Ts very own system confirms that {$42.00} has, in fact, been credited. C. At XXXX PDT or XXXX EST, prior to the {$42.00} being credited to my card, BB & Ts system informed XXXX that my current available balance was {$15.00}, which supports all that I have stated. D. At XXXX PTD or XXXX XXXX EST, prior to the {$29.00} XXXX XXXX XXXX being charged to my card, which is the basis for all Overdraft/NSF charges, BB & Ts system informed XXXX system that my current available balance was {$64.00}. a. It should be further noted : i. XXXX will turn to the alternative payment method if there available balance of an account is less than the charge being posted to the debit card ; ii. BB & Ts own system acknowledged receipt of the {$42.00} credit and in BB & Ts electronic transmission to XXXX nearly 8 hours later, that credit showed as part of my available balance contrary to what the online portal showed and which BB & T is now attempting to conceal. Now, returning to XXXX XXXX response to my complaint, please see excerpt BBT 3 Not on XXXX Per Online Banking. Per XXXX XXXX, the {$29.00} charge was posted to my account on XXXX/XXXX/XXXX. As you can see from my screenshot of my account on XXXX/XXXX/XXXX at XXXX XXXX EST ( BBT2 ), it had not in fact posted to my account yet. However, more importantly : Per the manually created statement provided by XXXX XXXX to the NCCOB and CFPB, which you have to agree is what he is stating as facts, that credit of {$42.00} which conveniently never showed as pending on my account, was credit to my account prior to the {$29.00} charge which was the basis for the {$210.00} in overdraft fees. This creates yet more of a conundrum from BB & T and XXXX XXXX, as follows : A. Per BB & Ts own transmission to XXXX, the {$42.00} credit was posted to my available balance with BB & T on XXXX/XXXX/XXXX at XXXX XXXX EST ; B. Per BB & Ts own transmission to XXXX, the {$29.00} was posted to my available balance with BB & T on XXXX/XXXX/XXXX at XXXX XXXX EST ; CXXXX Given the {$42.00} cleared my account prior to the {$29.00} which was the basis for those fees, we have to again revisit what my actual account balance was at the time I was assessed those fees, as proven by both XXXX and XXXX XXXX own proof : a. As of XXXX XXXX EST, give or take 10 minutes, the purchase made at XXXX XXXX reduced my available balance to {$5.00} ; b. The PENDING credit of {$42.00}, which superseded the {$29.00} in posting, gave me an available balance of {$48.00} ; c. After the {$29.00} debit posting, I still had a positive balance of {$18.00} ; therefore i. The {$210.00} in overdraft fees are not legitimate as my account was never overdrawn. Again, the credit posted prior to the debit, and I was NEVER overdrawn not even in the world in which BB & T lives in which PENDING transactions something that MIGHT happen in the future are used against you. It really is rather like being arrested for XXXX today because some entity thinks you might XXXX someone two days from now. Actually, come to think of it, it is like being arrested for XXXX today because some entity thinks you might be framed for XXXX two days for now. Returning to XXXX XXXX response, we find yet more inconsistencies and inaccuracies in what he conveys, undermining, once again, the Bank and his credulity, please see excerpt attached ( BBT 4 Unknown Charge ). Per the fabricated statement on XXXX/XXXX/XXXX, my account incurred a debit in the amount of {$3.00} and is noted as a XXXX Debit Card Purchase. There are a couple of important points to make on this : A. My account is XXXX in the negative at this point. Is anyone to actually believe the bank is going to approve a credit card transaction at this point? B. This charge is actually a credit from XXXX through XXXX in the amount of {$3.00}, not {$3.00}, standing as yet more evidence of this contrived documentation. Please see excerpt BBT 4 Unknown Charge Response. In XXXX XXXX response for BB & T we find yet more inaccuracies in the information he provides to the NCCOB and CFPB. Per the manufactured statement, my account has been charged a {$36.00} negative account fee ( BBT 5 Overdraft or Negative Balance ) whereas the web portal states this is yet another overdraft fee ( BBT 5 Overdraft or Negative Balance Response ). Once again, the contrived statement does not agree with the official information found on BB & Ts own website. In XXXX XXXX response for BB & T re : XXXX/XXXX/XXXX, yet more misinformation, please see the attached BBT 6 Returned XXXX Charge. Her XXXX XXXX states quite clearly that the {$29.00} charge from XXXX XXXX XXXX, which is the basis for all subsequent OD and NSF fees, has tried to represent, has been returned and assessed an NSF fee. Once more, this information is wholly inaccurate. In fact, see BBT 6 Returned XXXX Charge Response, my payment to XXXX XXXX for my electric bill represented, was returned and assessed an NSF fee. Now, as if the manufactured/contrived/innaccurate statements and continually inaccurate XXXX XXXX has submitted on behalf of BB & T is not bad enough, we move into outright falsehoods. Please see excerpt BBT 7 Correct Order in which XXXX XXXX emphatically states : The transactions in question included in the chart above posted in the correct order as disclosed. No transactions were reordered or held to cause an overdraft to occur. We now this is an outright falsehood because : A. BB & Ts own electronic transmittals to XXXX clearly show that as of XXXX XXXX EST on XXXX/XXXX/XXXX, all transactions had been posted to my available balance, leaving me, at that time, a balance of {$15.00} ; a. These transactions were posted in chronological order, until B. The very last transaction to take place on my account on XXXX/XXXX/XXXX was a charge of {$29.00} for XXXX at XXXX XXXX EST. a. IF, in fact, these transaction were posted in correct order as disclosed i. That {$29.00} charge would have posted last to my account, as BB & Ts own electronic transmittals to XXXX clearly show it was ; 1. That {$29.00} charge had not cleared my account and was, in fact, pending. a. Even ignoring that it was, in fact, pending, BB & Ts own electronic transmittals to XXXX show there were more than enough funds in the available balance to cover the charge, and no legitimate fees could be assessed. C. The {$42.00} credit, which superseded the {$29.00} debit by 7 hours and 40 minutes, as confirmed by BB & Ts own electronic transmittal to XXXX was not posted until BB & T could fraudulently charge my account {$210.00} in overdraft fees and a. Even then, the credits posting, again, superseded the {$29.00} debit which means I was never in the negative. D. None of the information provided within XXXX XXXX response can be given any credence and it is riddled with inaccuracies and misinformation. XXXX XXXX then goes on to state : BB & T can only reflect pending transaction that we are aware of and can not reflect transaction tendered that have not been presented to BB & T, see excerpt BBT 8 Unaware of. Yet again, another falsehood is presented. BB & T could, in fact, see the credit I have spoken of repeatedly, as BB & T electronically transmitted the available balance of the account : A. After XXXX submitted it, and was reflected in the new available balance ; and, B. The credit was reflected in the available balance electronically transmitted to XXXX, otherwise XXXX would have had to use an alternate form of tender for that charge, or reject it outright. On page 6 of XXXX XXXX response, he further alleges : Subsequently, the available balance is reduced and when the previously authorized transactions present, there may not be sufficient funds to pay the items and overdraft fees will be assessed for those transactions. Again, he invalidates his own arguments : A. The charge which is the source of the overdraft occurred at XXXX XXXX XXXX a. When the accounts available balance would have been {$5.00} IF i. The bank, as it has falsely claimed, was unaware of the {$42.00} credit, there were insufficient funds to cover this recurring debit which 1. Per BB & Ts own policies will not be covered by its overdraft review policies since I am opted in by default and have never opted out ; 2. Therefore, the charge should have been refused. B. Then we must take a close look at this pertinent statement : previously authorized transactions. If these authorization are already authorized then a. The available balance of the account, by his own argument, is reduced by that amount ; meaning, b. That last charge of {$29.00}, would have presented when there were insufficient funds and therefore, given the banks own policy, and given they had already authorized all other charges, should not have been authorized. Finally, if the following does not speak to BB & Ts duplicity, I dont know what does. As found in the closing by XXXX XXXX : Thank you again for the opportunity to address XXXX XXXX concerns. We value XXXX XXXX as a client and appreciate her feedback. To wit. A. Per XXXX XXXX I am a valued client, so much so that a. One hour prior to the NCCOB informing me of the Banks reply I received a certified letter informing me ( please see attached letter ) i. My account was being closed without my authorization. Yes, that is how you treat a valued client. In the course of one week, BB & Ts duplicitous, dishonest and profiteering tactics have resulted in : A. The theft from me of : a. The {$5.00} I had in my account ; b. The {$42.00} credited to my account ; c. The {$3.00} credited to my account ; i. For a total of {$51.00} B. Have then victimized me further by making me, wrongly, financially responsible for : a. {$250.00} in overdraft fees ; b. {$72.00} in NSF fees ; c. {$36.00} ( as of XXXX/XXXX/XXXX ) in Negative Balance fees ; i. For a total of {$360.00} C. Have caused me undue humiliation in having to explain to XXXX XXXX why my check would be returned and given a. I am an intensely private person, have caused me significant mental anguish D. Has forced me to contact governmental agencies, in which I had to share my personal, financial information, and given a. I am an intensely private person, have caused me significant mental anguish E. Placed me in the untenable position of my power being turned off, as the electric bill prescheduled to draft from my account, for which the funds would have been deposited if not for BB & Ts malicious profiteering, placing at risk my children and exposing me to even further into financial debt as all the food stored in the refrigerator and freezer would have been ruined, all causing a. Yet more mental anguish F. Consumed my grocery money for the week, leaving my home without the basic staples causing me and my family a. Consequences to our nutritional health ; and, b. Yet more mental anguish G. Forced me, in the end, to borrow money from my child in order to purchase those staples causing me a. Yet more humiliation and mental anguish HXXXX Have subjected me to being belittled and insulted by a bank manager who suggested I should call another individual as she could clearly not simplify things enough for my understanding, causing me a. Yet more humiliation and mental anguish I. Have left me scrambling to find someone to talk to when the branch manager promised to return my call within the hour only to never be heard from again, then when I finally reached out to her, insulted and humiliated me, speaking to me as though I were a simpleton, not a woman with a XXXX IQ and 4 college degrees, causing me yet a. More humiliation and mental anguish J. Have left me without a bank account, meaning I have no way of paying many of my bills, which subsequently is the source of a. Yet more humiliation and mental anguish. K. Have forced me to spend dozens of hours filing complaints and making phone calls to try to get this resolved in the right and proper manner, forcing me to a. Neglect other matters of importance in my life ; and, b. Has placed an untold amount of stress on my shoulders, leaving me shaking uncontrollably several times a day ; LXXXX Then to add insult to injury heaped upon humiliation heaped upon mental anguish heaped upon compromises to my physical and mental health, I am left shell-shocked to see the people who have done this to me, the very people that are supposed to protect my financial interests, have charged me for calling customer service TWICE to try and get this properly resolved. Then to add insult, to the very considerable injuries to date, I receive a response to my complaint in which evidence has been fabricated and statements made are either wholly inaccurate or patently untrue. As I have stated in my previous complaints, I will pursue this until my treatment by this bank has been remedied. Yet, it is all the more upsetting for me to have found in speaking to friends and family members, that they, too, have been victimized continually by this bank in the form of : A. Overdraft fees assessed against items that have cleared their account for items that have not ; B. Overdraft fees for bank charges ; C. Fees for using alternate ATMs because BB & Ts promise of 24 hour banking is prevented by ATM machines that continually state they are out of service, forcing people to incur dual fees by using the competitions ATM ; DXXXX Have been caught short in their account because BB & Ts promise of 24 hour banking is prevented by ATM machines that continually state they are not accepting deposits at this time. If this bank has now, essentially, stolen {$410.00} from me, when I was never in the negative, through their duplicitous and profiteering tactics, how many MILLIONS have been stolen from citizens of North Carolina and any other state where this bank offers its financial services? I will pursue this until I get back every single penny that has been wrongfully taken from me. But I will also pursue making it right for every single other person who has been victimized by this bank and its employees as well. Please, take action. XXXX XXXX, XXXX, XXXX, all have been held accountable for abusing their clients in order to line their pockets. BB & T must be stopped as well. XXXX XXXX
12/19/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • FL
  • 33133
Web
BB & T HAS MALICIOUSLY USED ILLEGAL MEANS TO ENSURE OUTRAGEOUS FEE 'S ARE JUSTIFIED, AND USED MULTIPLE DEPARTMENTS TO COVER UP ERROR PROCESSING CLAIM TO BE WITHIN REGULATIONS FROM BOTH THE GOVERNMENT AND THEIR AGREEMENT WITH VISA. ON XX/XX/XXXX I FILED A CLAIM REGARDING TRANSACTIONS THAT WENT THROUGH ON BOTH MY CREDIT CARD WITH ALTERNATE ISSUER AND MY DEBIT CARD IN WHICH THE MERCHANT SAID WAS DECLINING ( MIND YOU BB & T GOT CORRESPONDENCE AND REMOVED THE AUTHORIZATIONS FOR THESE CHARGES THE PRIOR WEEK, TO ONLY LET POST THE FOLLOWING WEEK ). I HAVE PHONE RECORDS OF OVER 113 CALLS TOTALING 65 HOURS TRYING TO RESOLVE. 1 ) I REPORTED THE ISSUE THE DAY IT HAPPENED AND HAD MERCHANT CONNECT WITH BB & T WHO AGREED TO REMOVE TEMP AUTH 'S FOR ALL THESE CHARGES. ON XX/XX/XXXX, THE POSTED TRANSACTIONS WERE BROUGHT TO THE BANKS ATTENTION. A representative told me I would have to send in my credit card statement to reflect these charges, which I did via e-mail in response to the request within 3 hours on XX/XX/XXXX. I was informed that they would process temp credits and remove fee 's once received. According to VISA Guidelines and compliance manual They would have had to notify me if there was anything wrong with what I sent in a track able format. Nothing recieved waited a week as fee 's incurred. ( Subsequently, they disabled my online banking so I could not keep tabs on anything claiming there were transfers made via XXXX they needed to investigate for fraud ). I immediately called XXXX which I use with 5 banks, their corporate office told me transfers are instant and confirmed and nothing has been reported to them ( only transfers received were my fiance and mom. ) Told that I could not call in anymore and I needed to go to branch for resolution. Went into 3 branches, one of which the lady screamed and told me she cant help me and I should help myself. They called the webteam mind you that has a average hold of 50 minutes to only tell me my account is being reviewed for fraud zelle transfers. ( TOLD THEM LETS CALL XXXX OR MY MOM OR FIANCE AND THEIR BANK THERE IS NOTHING TO REVIEW ) This was malicious in attempt to block me from getting access to the XXXX in fees that kept accruing and having to placate or belittle me on the phone. Their review was supposed to last 14 days, now 50 days into it still locked out of online banking. I called back demanded management and spent another 3 hours on the phone with a guy who finally got XXXX XXXX on the line. She informed him that my disputes were cancled over a month ago, and they didnt recieve the statement I sent the same day requested. She said please forward. I did. ( see below ) Begin forwarded message : From : XXXX XXXX XXXX Date : XX/XX/XXXX at XXXX XXXX EST To : " XXXX, XXXX '' XXXX Subject : Re : XXXX # secure # XXXX XXXX thanks so much and I just got it out to them. Totally appreciate all your help with this mess!! Have a great day! On Tue, XX/XX/XXXX at XXXX XXXX XXXX, XXXX XXXX wrote : Good Afternoon, Please forward your documentation to the email below. Retail Payments - XXXX XXXX XXXX Thanks, XXXX XXXX XXXX HERE ONE MONTH LATER HOLDING MY MONEY AND INCRUING FEE 'S AND BLOCKING ACCESS TO ONLINE BANKING FOR NOTHING THEY DIDN'T EVEN APOLOGIZE FOR OVERLOOKING THE E-MAIL. SHE SAID SHE WILL PROCESS ALL THE FEE 'S AND TEMP CREDIT AND IT WOULD BE IN THERE THE FOLLOWING DAY AND FINALLY APOLOGIZED. ALSO MENTIONED MY DEBIT CARD WOULD WORK AND EVERYTHING WOULD BE BACK TO NORMAL. I WAS RELIEVED, FINALLY AFTER MONTH AND HALF SOMEONE WAS DOING THEIR JOB. WELL, SHE WENT ON VACATION THE FOLLOWING DAY, AND MY ACCOUNTS NOT ONLY HAD NO ONLINE BANKING, BUT WERE BLOCKED BY THE ONLINE DEPARTMENT ( LRM ) THE SECOND THEY GOT REFUNDED AGAIN FOR XXXX TRANSFERS THAT ARE GUARANTEED, AND NO ISSUES. TWO MORE BANK VISITS, MULTIPLE PHONE CALLS, AND RUN AROUNDS ALL LEAD TO MALICIOUS ACTIONS DUE TO THE INCOMPETANCE OF EMPLOYEES NOT DOING JOB AND TRYING TO COVER IT UP. I AM ALSO SUBMITTING A CLAIM TO VISA BECAUSE AFTER READING RULES PERTAINING TO THE AGREEMENT THEY HAVE TO FURNISH AND USE THEIR CARDS THEY ARE IN MULTIPLE VIOLATIONS. 1 ) I HAVE ASKED MULTIPLE TIMES FOR COPY OF THE EVIDENCE USED TO SUPPORT THE DENIAL OF THE CLAIM 2ND TIME. ( VISA DISPUTE GUIDELINES STATE I SHOULD HAVE BEEN CREDITED WITHIN 10 DAYS OF INITIATION, AND IF ANY DENIALS WERE GIVEN I SHOULD HAVE BEEN FURNISHED A REASON AND A CHANCE TO RE-BUTTLE THEM. THE BANK DID NOT PROCESS THE CLAIMS BUT SIMPLY IGNORED AND DENIED THEM AFTER INITIATING. SEE REFERENCE TO GUIDELINE FOR CLAIMS. ** ( ( How Issuers Must Address Compelling Evidence With the compelling evidence rights for merchants comes the need to ensure issuers provide this information to their cardholders. If compelling evidence is provided by the acquirer, issuers must certify that they have contacted the cardholder to review the compelling evidence and provide an explanation of why the cardholder continues to dispute the transaction. Exception for transactions not involving XXXX : For dispute condition 10.4, the issuer may certify that the cardholder name and address provided by the merchant do not match the issuers records. In this case, the merchant should accept the transaction or risk losing in Arbitration. Issuers will be required to provide certification through Visa Resolve Online. ) ) WHAT DISPUTE CODE, WAS USED WHEN I CALLED WHY NO CREDITS AND PROTOCOL GIVEN AS IT SHOULD. How Issuers Must Address Compelling Evidence With the compelling evidence rights for merchants comes the need to ensure issuers provide this information to their cardholders. If compelling evidence is provided by the acquirer, issuers must certify that they have contacted the cardholder to review the compelling evidence and provide an explanation of why the cardholder continues to dispute the transaction. Exception for transactions not involving XXXX : For dispute condition 10.4, the issuer may certify that the cardholder name and address provided by the merchant do not match the issuers records. In this case, the merchant should accept the transaction or risk losing in Arbitration. Issuers will be required to provide certification through Visa Resolve Online. Condition 12.5 Incorrect Amount Your card processor has notified you that a cardholder is disputing a transaction that you processed. The dispute falls under Condition 12.5, Incorrect Amount. Why did I get this notification? The cardholder submitted a claim to their bank that says one of the following things happened : The transaction amount is incorrect. An addition or transposition error was made when calculating the transaction amount. You altered the transaction amount after the transaction was completed without the consent of the cardholder. What caused the dispute? You made a data entry error ( i.e., keyed in the wrong amount, handwritten amount differs from printed amount ). How should I respond? Transaction amount is correct. Provide supporting documentation ( i.e., copy of transaction receipt ). The transaction amount was incorrect. Accept the dispute. You have already processed a credit or reversal for the transaction. Provide documentation of the credit or reversal ; include the amount and the date it was processed. The cardholder no longer disputes the transaction. Provide a letter or email from the cardholder that states they no longer dispute the transaction. How to avoid this dispute in the future Train your sales staff on the proper procedures for processing transactions, including the recommendation that all transactions be swiped, or chip read. Section 4 : Dispute Conditions 38 Dispute Management Guidelines for Visa Merchants XX/XX/2018 XXXXisa. All Rights Reserved. Condition 12.6 Duplicate Processing Your card processor has notified you that a cardholder is disputing a transaction that you processed. The dispute falls under Condition 12.6.1, Duplicate Processing. Why did I get this notification? The cardholder claims that a single transaction was processed more than once. What caused the dispute? There are four common causes for this type of dispute : You entered the same transaction into your terminal more than once. You electronically sent the same transaction capture batch to your card processor more than once. You deposited both the merchant copy and the acquirer copy of the transaction receipt. Two transaction receipts were created for the same purchase. How should I respond? Transactions receipts are not duplicates. Provide information and documentation to show the two transactions are separate and are not for the same item or service. Transaction was duplicated. Accept the dispute. You have already processed a credit or reversal for the transaction. Provide documentation of the credit or reversal ; include the amount and the date it was processed. The cardholder no longer disputes the transaction. Provide a letter or email from the cardholder that shows they no longer dispute the transaction. How to avoid this dispute in the future Avoid entering a transaction more than once. If you do enter a transaction twice, credit the duplicate. Train your sales staff on the proper procedures for processing transactions, including how to credit duplicate transactions. Review transaction receipts before you deposit them. Section 4 : Dispute Conditions Dispute Management Guidelines for Visa Merchants 39 XX/XX/2018 Visa. All Rights Reserved. Condition 12.6 Paid by Other Means Your card processor has notified you that a cardholder is disputing a transaction that you processed. The dispute falls under Condition 12.6.2, Paid by Other Means. Why did I get this notification? The cardholder claims that they paid for the merchandise or service by other means ( i.e. cash, check, other card, etc. ). What caused the dispute? The cardholder initially gave you a Visa card as payment, but then decided to use cash, check, or another card after you completed the transaction. How should I respond? Visa card was the only form of payment used. Provide the sales records or other documentation that shows no other form of payment was used. The cardholder did use another form of payment. Accept the dispute. You have already processed a credit or reversal for the transaction. Provide documentation of the credit or reversal ; include the amount and the date it was processed. The cardholder no longer disputes the transaction. Provide a letter or email from the cardholder that states they no longer dispute the transaction. How to avoid this dispute in the future If a customer asks to use another form of payment after you have processed the Visa card transaction, credit the Visa card transaction. Train your sales staff on the proper procedures for handling credits. Section 4 : Dispute Conditions 40 Dispute Management Guidelines for Visa Merchants XX/XX/2018 Visa. All Rights Reserved. Condition 12.7 Invalid Data Your card processor has notified you that a cardholder is disputing a transaction that you processed. The dispute falls under Condition 12.7, Invalid Data. Why did I get this notification? An authorization was obtained using invalid or incorrect data. What caused the dispute? The common causes for this type of dispute : An authorization request contained an incorrect transaction date, XXXX, merchant or transaction type indicator, Country or State Code, Special Condition Indicator, or other required field. How should I respond? The authorization did not contain invalid data. Provide the sales records or other documentation to support that the transaction was authorized with valid data. The authorization was obtained using invalid date. Accept the dispute. You have already processed a credit or reversal for the transaction. Provide documentation of the credit or reversal ; include the amount and the date it was processed. The cardholder no longer disputes the transaction. Provide a letter or email from the cardholder that states they no longer dispute the transaction. How to avoid this dispute in the future Ensure that you process all transactions with the proper data. Section 4 : Dispute Conditions Dispute Management Guidelines for Visa Merchants 41 XX/XX/2018 Visa. All Rights Reserved. Condition 13.1 Merchandise/Services Not Received Your card processor has notified you that a cardholder is disputing a transaction that you processed. The dispute falls under Condition 13.1, Merchandise/Services Not Received. Why did I get this notification? The cardholder claims that merchandise or services that they ordered were not received or that the cardholder cancelled the order as the result of not receiving the merchandise or services by the expected delivery date ( or merchandise was unavailable for pick-up ). What caused the dispute? There are several common causes for this type of dispute : You did not provide the services. You did not send the merchandise by the agreed-upon delivery date, time or to the agreed upon location. You billed for the transaction before shipping the merchandise. You did not make merchandise available for pick-up. How should I respond? You delivered the merchandise or made it available for pickup by the agreed-upon date or agreed upon location. Provide documentation to prove that the cardholder or authorized person received the merchandise or services as agreed. Specified delivery date has not yet passed. Provide documentation to support the expected delivery date. Cardholder cancelled prior to expected date. Provide documentation to support you were able to provide merchandise or service and that the cardholder cancelled prior to the delivery date. Transaction represents a partial payment with balance due. Provide documentation to support additional payments due. You did not deliver the merchandise or provide the service as agreed. Notify your card processor that you accept the dispute. You have already processed a credit or reversal for the transaction. Provide documentation of the credit or reversal ; include the amount and the date it was processed. For further details, refer to the Compelling Evidence Chart in the Dispute Management Guidelines for Visa Merchants. Section 4 : Dispute Conditions 42 Dispute Management Guidelines for Visa Merchants XX/XX/2018 Visa. All Rights Reserved. The cardholder no longer disputes the transaction. Provide a letter or email from the cardholder that states they no longer dispute the transaction. How to avoid this dispute in the future If merchandise is going to be delayed, notify the customer in writing of the delay and expected delivery date. Allow the customer to cancel if they choose. If you are shipping merchandise without requesting proof of delivery, consider the costs and benefits of doing so compared to the value of the merchandise you ship. Proof of delivery or pick-up, such as certified mail or a carriers certification that the merchandise was delivered to the correct address or picked up and signed for by the cardholder, will allow you to return the dispute if the customer claims the merchandise was not received. XXXX**BB & T VIOLATED ALL VISA PROTOCOLS AND SIMPLY HAD MULTIPLE DEPARTMENTS BLOCK STUFF TO JUSTIFY IT AND KEEP GIVING ME FEE'S******************** STILL NO STATEMENTS, PROOF OF DISPUTE, DISPUTE CODE FOR DISPUTE INITIATED ON XX/XX/XXXX, NO CERTIFIED LETTERS, NO RECIEPTS SHOWING MY SIGNATURE, OR ANYTHING. IN ADDITION MY CARD IS NOT SIGNED, SO NOT VALID BUT SMALL TECHNICALITY. SOMEONE IN THE WEB DEPT SLIPPED AND SAID WE HAVE BLOCK BUT ITS NOT US IT IS THE CLAIM 'S DEPARTMENT AND WE CANT RELEASE IT. THIS IS TERRIBLE, I NEED HELP. HOURS HOURS HOURS TRYING TO TURN THIS INTO MY ISSUE, AND STICK ME WITH FEES. 3 ACCOUNTS FEE 'S OF 798, 1224, AND 612. I WILL REPORT TO VISA AS THEY WILL BE WARNED AND FINED AND WANT ALL FEE 'S CREDITED AND REFUNDED FOR THESE TRANSACTIONS THAT WERE NOT HANDLED CORRECTLY AND COVERED UP.
11/19/2017 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • GA
  • 30060
Web Servicemember
On XX/XX/XXXX XXXX XXXX came to my residence to purchase a motorcycle I had advertised on XXXX. He only brought {$1300.00} of the money needed to purchase the motorcycle. He said he was to transfer {$1400.00} via XXXX/XXXX and it would show up immediately in my account. I gave him my telephone number ( which he already had ) and my full name and he began the transfer. It did not in fact show in my account immediately so I refused to allow him to take the bike. He left without any issue which I found odd. This took place on a Sunday and Monday I had n't seen the money or heard from him so I called him and he told me his best friend who test rode my motorcycle left his house after the went home the day they came to see me, he got on his motorcycle and got in an accident and XXXX, he was XXXX. He tells me he no longer wants a motorcycle. Personally the story sounded too crazy and mad me suspect his honestly, as it was communicated VERY clearly that to purchase my motorcycle you would need to bring cash. He did not. Then he gave an outlandish story as to why he wanted his money back. Tuesday morning XX/XX/XXXX the funds did show in my account. I decided to call my bank BB & T to confirm that there was no way that if I were to return his money that he could take the money back out of my account. The customer service line informed me there was no way but to call XXXX and his bank ( XXXX XXXX XXXX ) to ensure this is the case. I did this XXXX told me once a transaction goes through it can not be undone. They could not do that. I called XXXX XXXX XXXX which if you are not a customer you have to sit on hold for around 30 minutes to reach someone ( but still did it because this is my money we were talking about ). XXXX XXXX XXXX told me there was no was to take the transaction back I was safe to return his money. I still felt like I was being scammed so I took some extra time and went into my personal bank and spoke to my Branch Banker at BB & T XXXX XXXX, she told me BB & T would not allow anyone to touch my money without my authorization. Additionally she called XXXX and XXXX XXXX XXXX, XXXX told her the transfer could not be reversed one it was complete their systems did not allow for reversal, XXXX XXXX XXXX informed her that the only conceivable way the transaction could even be disputed was if the account holder told them that his account was commandeered and the money was sent by someone other than himself. I still felt very odd about the whole thing as it took me about a week to do my own due diligence in gathering this information and going into my bank. I still did n't feel comfortable about the whole matter not to mention the sender, XXXX XXXX had limited contact with me. If someone had {$1400.00} of my money I would keep close tabs on when my money would be returned. This made me feel more uneasy. I asked he come in and sit down with my Branch Banker, XXXX XXXX as she suggested I do this to better gauge the sincerity of the situation. He said he would, but then kept backing out. This only furthered my suspensions. My Branck Banker at XXXX XXXX XXXX XXXX XXXX said it might be best to return the money through XXXX leaving a paper trail. SI I sent up a XXXX account for money transfer outbound by confirming several deposits and was attempting to send the money when I was told that I could only send a maximum of {$1000.00} per day. I messaged XXXX XXXX and asked how he got around this, he stated he did n't have this issue. Making me even more concerned about getting scammed. I waited about 30-45 days thinking that if there was any way to retract the funds that it would have to be done in a reasonable amount of time, with nothing being taken back from my account I felt more comfortable returning his money. Not to mention he had all of a sudden gotten very pushy to get his money back and wanted it in cash. I attempted to send it back via XXXX while I was driving down the road and accidentally clicked on something that made a dialog box appear asking if I wanted to cancel my XXXX account. I was driving and thought I hit the transfer button and just clicked yes without really reading until later. After I did I realized I closed my XXXX account that took about a week to open. Frustrated I told him I would bank to bank wire transfer the money to him and asked for his account number he sent me a picture you could not read the numbers for. I was utterly frustrated with the situation and my sister-in-law had just passed in XXXX, Texas and I was attempting to go there and deal with running a business and I gave up for several days. Then he called me when I was working and we worked out for his sister to come get the money from my work address. Which the two days after we spoke, she did. I returned the money in cash as it had been over 30 days and I was ASSURED by my bank and his bank there was no way to retract the funds back from my account without my authorization. About a week and a half later I see on XX/XX/XXXX a debit in the amount of {$1400.00}. I went into my bank the same day and spoke to my Branch Banker, XXXX XXXX and she opened a research. It took almost 2 weeks and XXXX ( contact information XXXX, reference ticket # XXXX ) in research with her managers XXXX and/or XXXX to tell me that XXXX XXXX XXXX sent over a Letter of Indemnity stating that I authorized the funds to be deducted from my account. I did no such thing, so I was told to contact the CEO line ( contact number XXXX ) at BB & T and file fraud ( contact number XXXX claim # XXXX ). I asked directly for this Letter of Indemnity, and was told I would have to contact XXXX XXXX XXXX for it. Upon opening the fraud claim, I was told that documents would be sent to me that was urgent that I sign and return within 10 days, and I believe at this point they discussed the possible opportunity of a provisional credit. About 5-6 days later I received two letters from BB & T, one dated XX/XX/XXXX stating that additional document would follow and they needed to be returned in a timely manner, within the 10 day previously elaborated upon, and the second dated XX/XX/XXXX telling me that my fraud claim was closed there was no fraud and that I could call if I ever needed them again. I then called the CEO line and was never given any method of tracking this issue with them but was told they usual ; ly respond within 3-7 days but are given 10. I wait 2 full weeks and had n't heard back. I was having phone issues as my brother-in-law I was VERY close to ( who 's wife just XXXX in XX/XX/XXXX ) XXXX XXXX early XX/XX/XXXX and I am unwilling to lose my physical phone as there are messages in it that can not transfer to another device. SO I am stuck with a malfunctioning phone. I called the CEO line after 10 days and asked the status and was told they had tried to reach me but would try to get the appropriate person to reach back out to me on or about XXXX. Additionally, on XXXX I had gone into my BB & T branch to speak with the Branch Banker that helped me with this to discover she was no longer with BB & T. I was forced to deal with the other Branch Banker in Investments, XXXX XXXX to take up this issue. She told me that there was nothing that could be done that in fact another customer of BB & T 's had just lost over {$26000.00} because the money she sent to her closing attorney for a house purchase, his email was hacked and the funds were somehow redirected, and there was nothing she could do for her either. I was then instructed to go to XXXX XXXX XXXX and do n't take no for an answer to get the Letter of Indemnity. I instead thinking alone this was ludicrous called XXXX XXXX XXXX in XXXX, I was lucky enough to get the Branch Manager, XXXX XXXX ( XXXX and XXXX ) who informed me just as I suspected that is in fact my banks job to investigate suspected fraud on on my account and that even if I were to come in and ask for the Letter of Indemnity there would be no way possible for her to locate it as I am not a customer and I do n't have the account number for the person who has perpetrated the fraud. She told me of how that is the role of my bank to handle matters such as this not to send me, the customer in knowing there is nothing they can do for me. She offered to make herself completely available as well as to research the item IF I could get this Letter of Indemnity. She not only told me this via phone but told another Branch Banker XXXX XXXX ( XXXX ) that she needed to do her job and open a fraud claim, or re-open the fraud claim with new information and assist me, the customer. XXXX XXXX finally got to a point just before XXXX that they were going to send the Letter of Indemnity for us to view. But I could n't have it because it 's an internal document. As it approached XXXX I told her I had to pick up my car that was getting tires put on it and she had to close and leave so we retired to reconvene the following day XX/XX/XXXX. I received a call from XXXX XXXX around XXXX on XX/XX/XXXX, she had the document and wanted to know if I had additional information for XXXX XXXX. Which I had a XXXX XXXX photo from when he initially came to see my motorcycle, and contact numbers for him. I provided them to her. I was finally called about XXXX XX/XX/XXXX. XXXX XXXX informed me that the Letter of Indemnity stated that XXXX XXXX had sent the money to the wrong person and that the funds were recalled through ACH. I vehemently stated there was no way that was true and I had proof in messages from him, photo of his ID, not to mention I did more than my due diligence in ensuring this could not happen. I was told by BB & T at SEVERAL instances that this could not happen, they could not reverse the deposit and no one could touch my money without my authorization. Well now they have and asked XXXX what the definition of fraud was ( for reference definition of fraud being 1 ) wrongful or criminal deception intended to result in financial or personal gain, or 2 ) a person or thing intended to deceive others, typically by unjustifiably claiming or being credited with accomplishments or qualities ), and that if this was not fraud exactly what was? I also asked what is the purpose of giving a financial institution my money to hold and protect if they do n't adhere to their own rules I signed with I opened my accounts in protecting my money. I was then told that this went through ACH and that is not something they can dispute and that she had worked half the day on this ( I assume to make me feel for her, but is n't that her job ) and there was nothing BB & T would do and that I could file a small claims suit. I advised her that I did n't care if the transaction came through carrier pigeon, if it is fraudulent it 's fraudulent, and is it not the role of my bank to investigate, take note of my overwhelming evidence, and then make a decision and that if I were going to pay money to hire a lawyer and file a suit I would be more inclined to file against BB & T for breach of contract. She told me again how she worked on this for almost all day and there 's nothing she can do. I was finally told that XXXX XXXX was the only person who signed the Letter of Indemnity and that he swore and stated that the money was sent to the wrong account, how could that conceivably be so when I have so much proof to the contrary that was never thought to be considered? Yet I still can not get a copy of this Letter of Indemnity. This answer is completely unacceptable! I want a claim opened to fully investigate this fraudulent activity. I want a provisional credit in my account immediately in the amount of the {$1400.00}. I want safeguard and processes enacted to protect other customer from this, as BB & T is partnering with XXXX for bill pay. I want EVERY Branch Banker and Teller made aware of this so they can correctly advise their customers how to handle this situation. I want BB & T to modify their fraud reporting policies to allow customers who have had electronic fraud perpetrated on their account ( s ) to ensure their funds are protected against ACH transaction fraud. I want minimally STRICT reprimands for both BB & T employees XXXX XXXX and XXXX XXXX for not doing their job and assisting me, the customer in filing fraud and not being willing to investigate a truly fraudulent transaction that cost me financially. At no point did BB & T ever even ask for any proof that this might be fraudulent, never to date asked for the back and forth text messages, never asked until XX/XX/XXXX, when they were clearly adamant they would do nothing to help, for XXXX XXXX identification card I clearly communicated that I did in fact have a photo of, never asked for any proof that this might not be a valid transaction. BB & T entertained the idea that I was the true one that fraud was being perpetrated. I want a personal apology from BB & T for costing me time and money. I do n't want anything more than the money I was told would be protected, money I was told directly by multiple BB & T representatives could not be taken from my account without authorization, money that was taken from my account through an act of fraud. I have attached the following to support my claim ; 1 ) Text message string from XXXX XXXX and myself ( please let me know if it does not display properly and I can resend each screenshot ) 2 ) Photo ID from XXXX XXXX XXXX ) Screenshot from my account at BB & T showing the funds deposited XX/XX/XXXX and the funds withdrawn XX/XX/XXXX 4 ) I believe I have audio recording of the first rep at BB & T verbally telling me at the customer service number that this transaction could not be recalled and I will work to locate the file to further support my claim. Please feel free to reach me at XXXX or XXXX or XXXX or via XXXX if I can provide any further information about this matter. Thank you in advance for any assistance you can provide in resolution of this matter.
11/30/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 33458
Web
Loan information : Lender : BB & T Loan Number : xxxxxxxxxxxxxxx Property Address : xxxxxxxxxxxxxxxxxxxxxxxxxxxx In XX/XX/XXXX our home sustained damage due to hurricane Irma. Our home resides in a region that was declared a federal disaster area as per XXXX. Since the loan was owned by XXXX XXXX, we elected to use the 3 month mortgage forbearance option to pay for repairs due to hurricane damage and to offer us the following protections : Suspending foreclosures by providing forbearance for up to 12 months ; Waiving assessments of penalties or late fees against borrowers with disaster-damaged homes ; and Not reporting forbearance or delinquencies caused by the disaster to the nation 's credit bureaus. As per the XXXX XXXX disaster forbearance requirements, the following applies : Placing an impacted borrower, based upon the Servicers discretion, into a forbearance plan by assessing the extent of the property damage and the financial impact to the borrower. Not assessing late charges for, or reporting to credit repositories, impacted borrowers who have been placed on a forbearance plan or who are paying as agreed on a Trial Period Plan or repayment plan. Providing transition assistance from the forbearance plan into an appropriate relief or workout option to cure the delinquency. Providing requirements to evaluate borrowers who were performing on a Trial Period Plan prior to the Eligible Disaster with the opportunity to transition into another Trial Period Plan at the end of the forbearance period. Providing information regarding options for local, state, or federal disaster assistance. Providing additional assistance for borrowers who were current or less than 31 days delinquent at the time of the disaster, such as the Capitalization and Extension for Disaster Relief Modification ( Disaster Relief Modification ) and special requirements for the Streamlined Modification. Providing special requirements in certain disaster-related Bulletins that are not included in the Guide as noted below. Furthermore, transition from the forbearance requires the following : As an impacted borrower is nearing the end of their disaster forbearance plan, determine if the borrower is able to cure the delinquency via a reinstatement or repayment plan. If the borrower is unable to do so, then the Servicer must determine whether the borrower is eligible for the Extend Modification for Disaster Relief ( Extend Modification ) or the Capitalization and Extension Modification for Disaster Relief ( Disaster Relief Modification ). These modifications : Are designed for borrowers whose hardship resulted from an Eligible Disaster and who are able to resume making their pre-disaster mortgage payment, but who are unable to reinstate the mortgage or cure the delinquency with a traditional repayment plan. Provide a modification that extends the term of the mortgage only as necessary to get the borrower to a monthly payment that is as close to their existing payment as possible. Eligible borrowers must complete a Trial Period Plan. With the exception of the 3 payments during the forbearance, all payments as of XX/XX/XXXX were current and up to date. In addition, following the 3 month forbearance, ALL required payments have been made on our loan with the exception of the payment in XX/XX/XXXX which BB & T simply would not allow us to make. It has been an extremely tedious, stressful and time consuming process working with BB & T in resolving the forbearance. We were given very conflicting information throughout the process and according to some BB & T representatives, the information provided to us was flat out incorrect. In addition, during this period we were being sent letters by BB & T that our mortgage was in violation of the original mortgage agreement terms and risked being accelerated and/or foreclosed if payment was not received in full to cure the outstanding delinquency. I called BB & T numerous times over these letters and was told to ignore them since they were automated letters and our loan was protected by the forbearance agreement we signed and accepted ( attached pdf ). In addition to the letters, we were also bombarded with almost daily threatening phone calls about paying the delinquency to avoid foreclosure. Again, we were directed to ignore these calls and voicemails since as we were told one division doesnt communicate with the other. I expressed my concerns with BB & T numerous times of how unsettling the calls and letters were. Again, we were reassured each time we were protected by the forbearance agreement that was noted in our account. After numerous lengthy and often very conflicting calls to BB & T over a period of months, in XX/XX/XXXX, we were finally able to get the right person on the phone who was able to provide us with a Trial Modification to cure the 3 month forbearance delinquency. As per the terms of the trial modification period, we were instructed to pay {$3900.00} which was approximately {$500.00} more than our current monthly mortgage payment. We made all of those payments in a timely manner without any issues. After satisfying the trial payment period, BB & T sent the finalized loan modification agreement right about the time we were leaving the country for an extended vacation in XXXX. Shortly after our return, we signed and notarized the documents and sent them back to BB & T in their supplied prepaid envelope. In addition, on XX/XX/XXXX, we mailed the first payment for the modified loan via check since we were instructed we were unable to make the first payment via electronic transfer over the phone as we had previously been doing. A couple weeks later ( end of XX/XX/XXXX ) I received a call/voicemail from BB & T stating that we needed to contact them immediately since the loan was now in default and being accelerated. I returned the call and spoke at length explaining everything yet again that had transpired over the past year. Initially they stated they never received any of the modified loan paperwork, nor did they receive a payment for XX/XX/XXXX. I told the representative that she was incorrect and to speak to Loss Mitigation and they would clear up the situation because they should be in receipt of the signed modification agreements as well as the physical check for the first modified payment schedule. She then informed that she was from the Loss Mitigation department and they had no record of receiving any of the paperwork. I told her I was driving and would need to wait until I got home to locate the tracking information but that they should have the tracking information since I had sent all the paperwork back in the envelope they provided for me. She put me on hold and after about 10 to 15 minutes came back and said she was able to locate the information and she discovered BB & T did receive the loan modification paperwork but they did not receive it in time. She stated the previous modification was rolled back and nullified and that is why the loan was now in default and the only way to cure the default was to pay the loan in full or start the loan modification process over again. I expressed my utter frustration with the whole process and how we were being treated like delinquent clients despite making all the payments with the exception of the 3 months afforded to us under the XXXX XXXX forbearance protection. I also explained that it did not make sense to go through the hassle of another modification process since there was only the equivalent of less than 2 payments left on the 15 year mortgage. I told her I would need to discuss with my wife but that I would just make arrangements to pay the balance in full so I could be done with BB & T and their nonsense. Once I was able to transfer available funds to my bank account, I called BB & T on XX/XX/XXXX after the XXXX holidays to receive a final payout amount and to have BB & T process the payment in full. I was told they couldnt do that because the mortgage had been sent to foreclosure at which time they directed me to contact the attorney who was handling the foreclosure. Im sure you can only imagine my utter bewilderment and frustration at this point. It is blatantly obvious our mortgage should have never been sent to foreclosure. In addition, besides the significant amount of time I have already invested over the past year trying to resolve this issue, I now have the additional burden of pursuing all avenues available to me to get this mess straightened out. This also includes the additional time, stress and hassle of making sure the foreclosure and any negative credit reporting BB & T has sent to the credit agencies is removed. Lastly, over the past week, I have made numerous daily attempts to contact the Law Firm who is handling the foreclosure via voice and email to obtain a payout amount and they have not provided me with anything other than the following response : We contacted our client regarding your concerns. We will advise as soon as our client responds. At this point, Im incredibly anxious, stressed and frustrated with BB & T over their handling of this whole process and have suffered countless sleepless nights and suffered significant mental anguish over having to deal with BB & Ts unwarranted and illegal pursuit of foreclosure of my {$650000.00} home that had less than 2 payments remaining. For thoroughness, I am including the payment timeline as it transpired with any notes regarding those payments. I have already attached supporting documents to the complaint. Payment timeline : XX/XX/XXXX XXXX *All payments current and up to date XX/XX/XXXX XXXX Forbearance Federal Disaster Area declaration as per agreement with BB & T XX/XX/XXXX XXXX Forbearance Federal Disaster Area declaration as per agreement with BB & T XX/XX/XXXX XXXX Forbearance XXXX Disaster Area declaration as per agreement with BB & T XX/XX/XXXX XXXX New payment amount changed due to escrow change XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Payment was made late due to ongoing conversations with BB & T XX/XX/XXXX XXXX When we attempted to call BB & T to make our payment, we were told they would only accept a payment for the full amount due which included the current month plus the 3 month forbearance amount ( roughly {$14000.00} ). This is when I asked to speak to a supervisor and after being transferred to multiple people, was ultimately transferred to someone who apologized repeatedly over how everything had been handled and he would start the loan modification process immediately as it should have been done from the beginning. He said not to worry about the payment for that month since the loan was being modified and any payments during the modification process would complicate the calculations. He said to make the first trial modification payment starting in XXXX. XX/XX/XXXX XXXX First of three Trial Modification payments XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX The modified loan agreement specified the first modified payment due in XXXX. XX/XX/XXXX XXXX Paid via check as directed by BB & T since they said they were not able to receive the first payment of the modified agreement over the phone from our bank via electronic debit. XX/XX/XXXX XXXX Spoke to BB & T on XX/XX/XXXX and was told they did not receive the loan modification papers back in time and we would need to start the loan modification process over again. I told them it didnt make sense to start the modification process over again since the payoff for the loan was a little less than 2 payments. I told them I would make arrangements to go ahead pay the loan in full. I called BB & T on XX/XX/XXXX after the XXXX holidays to have them withdraw the final amount from our bank and was told the mortgage was sent to foreclosure! As you can see, we did everything we were supposed to do as directed by BB & T representative either through verbal and/or written directions. There is absolutely no reason this mortgage should have ever been sent to foreclosure.
03/09/2019 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • PA
  • 193XX
Web
I have one ( 1 ) account that is reporting False. Regional Acceptance Corporation is listed as a charge off on my XXXX, XXXX and XXXX credit reports. This vehicle was purchased before and included in my Chapter XXXX Bankruptcy which was discharged in 2015. I am consistently asking Regional Acceptance Corporation for documentation, consistently asking the 3 credit bureaus for an investigation and consistently wasting my time. I have written and submitted letters asking to verify the debt and dates of the debt to no avail. THEY DIDN'T INVESTIGATE THE ACCOUNTS PROPERLY BECAUSE IF THEY HAD THEY WOULD'VE DISCOVERED THE CAR WAS INCLUDED IN THE BANKRUPTCY. THE 3 BUREAUS AND REGIONAL ACCEPTANCE CORPORATION ARE IN VIOLATION OF MY CONSUMER RIGHTS by NOT providing me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Providing me with the consumer contract would verify this account is reporting WRONG. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. AND Regional Acceptance Corporation is also VIOLATING MY RIGHTS. Being ignored and hurting my lending abilities is NOT OK. The credit bureaus sent several letters indicating the account was verified yet NEVER sent evidence indicating the account was accurate. Its THEIR duty mandated by law, to investigate any dispute sent by consumers. The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. THIS ACCOUNT SHOULD NEVER HAVE BEEN CHARGED OFF, IT WAS INCLUDED IN THE BANKRUPTCY, THE COLLECTIONS AGENCIES IGNORED MY REQUEST TO VALIDATE, and even ASKED THE COLLECTIONS AGENCIES how to settle this matter in the most efficient possible manner. At this point, I hereby CONDITIONALLY ACCEPT your demand for payment in the above named matter upon your complete and total fulfillment of the following conditions : Condition # 1. A Notarized copy of the ORIGINAL SIGNED CONTRACT and all other supporting documentation that give rise to and lawfully support the alleged obligations your firm now claims is owed. Condition # 2. Provide me with a sworn and notarized Affidavit, signed under Penalty of Perjury as follows : a. That your client is the bona fide party in interest and Holder in Due Course of the aforementioned Contract, and that they can and will further produce said ORIGINAL SIGNED CONTRACT in Condition # 1 above. b. The names, addresses, dates and durations of time during which any and all persons, Corporations, associations, legal firms or any other parties and/or entities who may have had or presently now have any interest in the collection or legal proceedings regarding this alleged obligation. c. That as a claimed debt collector, you have not purchased evidence of this alleged debt and are proceeding solely in the name of the original contracting party or parties. d. That you know, understand and agree that certain clauses in a contract of adhesion are unenforceable unless the party to whom the contract is extended could have selectively rejected the clause. e. That both you and your firm have taken reasonable and prudent due diligence to verify that the amount claimed as owed is, in fact, a legitimate and bona fide debt, prior to instigating this action and making said claim, and that all relevant correspondence, challenges, denials and counter claims by me have been fully and thoroughly reviewed by and adequately answered by your firm both prior to and since initiating this claim. f. That since initiating this claim, your firm, or associates under your employ, did not contact me at my residence more than three times in any given week or at any other unreasonable time or in any unreasonable manner. g. That you, your firm or associates under your employ, did not fail to identify themselves as a debt collector in any manner or at any time pertaining to this alleged claim. Condition # 3. Provide written verification in the form of a signed, sworn and Notarized Affidavit from the stated creditor that you are authorized to act on their behalf in this alleged debt collection action. Condition # 4. Provide the total account and general ledger statement showing the full and complete Accounting of the alleged obligation you are attempting to collect from me, signed and sworn to by the authorized person responsible for maintaining these records and having first-hand knowledge as to their accuracy and authenticity, and are able and willing to testify to same under oath to that effect. Condition # 5. Provide Certified and Notarized copies of documents showing that you are or represent a bona fide creditor in a collection process to include : a. A notarized copy of certified documents evidencing that you are allowed to conduct business in the State of Pennsylvania as a collection agency. a. A notarized copy of the Bond on file with the State of Pennsylvania allowing your firm to operate as a collection agency. b. A notarized copy of the assignment letter including production of the signatures and status showing your firm as holders in due course of the alleged claim. Condition # 6. Provide the statutes and enforcing regulations, both Federal and State, which clearly and unequivocally make me liable for this alleged debt. Condition # 7. Provide proof that your Notice of Debt Collection, is authorized by such Statutes and enforcing Regulations. Condition # 8. Provide proof of all relevant signatures and your status as Holders in Due Course of this alleged claim. Condition # 9. Provide the name ( s ), addresses and telephone numbers of the bona fide creditor pertaining to this alleged debt. Condition # 10. If you are acting as an Agent, provide certified copies of the registered claim upon which you are collecting, showing the name ( s ) of any and all debtors and the respective bona fide creditor ( s ) as the secured party ( s ). Condition # 11. Provide the national and regional credit and debit card network Rules and Regulations governing electronic payments and ATM transactions ; specifically the production of all versions of the manual in each case for each service/ buyer/ successor/ transferee regarding this alleged claim. Condition # 12. Provide a sworn and Notarized Affidavit, signed under Penalty of Perjury, that all the Rules and Regulations of the National and Regional credit and debit card network Rules and Regulations were never, at any time, violated or circumvented to the detriment of the Affiant pertaining to this alleged claim. Condition # 13. Provide verifiable proof that any actual money was ever created or loaned to me by the named creditor ( s ) whom you claim to represent, and not mere bookkeeping entries that were made by them in an attempt to establish the alleged obligation or debt, and in which case, this entire matter would constitute fraud on their part, as well as now yours. NOTICE : Contacting me again without first properly documenting that I have any obligation to you or your claimant pertaining to the above referenced account number, after Verifiable Receipt of this Notice of Conditional Acceptance, will establish and constitute that you deliberately intend to use interstate communications in a scheme of fraud by using further threats, intimidations, deceptions and/or enticements to coerce me to commit some act creating a legal obligation and/or disability where none exists, previously or presently, as well as constituting that you and/or your firm knew or should have known that by such communication, what you have heretofore attempted to do was, and is, false and therefore unlawful. Moreover, until or unless you have fully satisfied all of my demands and claims as stated herein and previously, as well as provided by numerous laws and regulations, both Federal and State, pertaining to this alleged claim, which the courts and/or others who rely upon such written communication may well judge such acts by you as deliberately intended to impair or damage my credit rating, my reputation, my standing in the community as well as to intentionally inflict financial and emotional harm upon me, and assure you that you do so at your own peril and risk. You have twenty one ( 21 ) days from receipt of this Conditional Acceptance to respond on a point-by- point basis, via sworn Affidavit, under your full commercial liability, signing under penalty of perjury, that the facts contained therein are true, correct and complete, and not misleading in any manner whatsoever. Declarations are an insufficient response, as declarations permit lying by omissions, which no honorable draft may contain. Your failure to accept my Conditional Offer of Settlement by producing each and every requested answer, record and/or documentation, or in the alternative, sending me written withdrawal of your claim, ( summary judgment ), will constitute your stipulation that I have no duty or obligation to any portion of the above aforementioned debt whatsoever, and that you have no right or basis to pursue any further collection. Be advised that notice to any agent in your firm or under your employ regarding this Conditional Offer of Acceptance in considered notice to any and all principals. Further, your failure to fully and completely respond on a point-by-point basis, as well as ANY ACTIVITY by you or your Firm to secure payment with a Writ of Garnishment, before responding to this Conditional Acceptance, shall be deemed as an Agreement with the facts as stated in the attached Affidavit, and shall be further deemed an Automatic Dishonor of this Conditional Acceptance and your Agreement by you and/or your firm to the immediate payment of { {$75000.00} } USD, payable to ME as compensating damages.Signed from without the United States in accordance with 28 U.S.C., Sec. 1746 ( 1 ). All rights are reserved without prejudice, UCC 1-207 and RCW 62A.1-207. I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on
09/07/2017 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Struggling to pay mortgage
  • MA
  • 02472
Web
I would like to ask for your kind assistance with BB & T who has wrongfully and aggressively pursued a foreclosure, together with illegitimate forced place insurance and junk fees, to exploit the equity in our familys home. This situation was entirely caused by BB & T refusing to speak to me, a rightful person on the mortgage, in almost all instances and inform me about the status of my account as they are by law obligated to do, despite my many efforts to communicate. I believe BB & T has illegally denied me access to my account details and used the passing of my mother, who was the primary borrower, for their own financial gain. To start, inXX/XX/XXXX my Mother initiated a home equity line of credit with XXXX XXXX. I jointly owned the home with my Mother, therefore, my Mother was the borrower and both of us were listed as grantors on the mortgage note with XXXX XXXX. Tragically, my Mother passed away in XX/XX/XXXX and since I was a co-owner of the property, I began to make my Mothers mortgage payments on the loan. The loan balance was approximately {$51000.00}. Soon after my Mothers passing, I contacted XXXX XXXX. I submitted the original death certificate and the title of the property with my name on it as a co-owner to a XXXX XXXX branch in FL and they acknowledged me as the person responsible for and in charge of the account. As a result, I successfully continued making my Mothers monthly mortgage payments to XXXX XXXX. In XX/XX/XXXX, XXXX XXXX merged with BB & T, at which point BB & T changed my account. When I called BB & T to ask for my account number and insurance forwarding information, they told me that BB & T could not give me any information about this account because my name was not listed on the loan. I was very surprised since XXXX XXXX had all my information and had no issues communicating with me. I called BB & T several times and talked to several BB & T representatives who refused to speak to me. I was told that BB & T did not see my name on the account to which I responded that my Mother had XXXX XXXX and I was the co-owner of the property and a person listed on the mortgage note. BB & T still insisted that they could not see my name in their system. The phone calls to BB & T caused me much distress since I had to bring to BB & T attention every time that my Mother XXXX XXXX and revisit the traumatic experience of losing my Mother. At all times, I continued making payments to XXXX XXXX and my payments were accepted and credited to the loan by BB & T. I also continued sending the proof of property hazard and flood insurances to the XXXX XXXX account every year, which were accepted every year. In early XX/XX/XXXX, I decided to call BB & T again to inquire about the account status. I was hoping to have a better luck this time and that they could locate my information, but the problem persisted. I called multiple times and made a lot of efforts to communicate and resolve the misunderstanding, untilXX/XX/XXXX when finally a BB & T representative answered who had the appropriate knowledge and patience to take the time and search deeper in the system and found my name and all the documents that I had presented to XXXX XXXX. She then made a note on the account stating my name as a speaker on the BB & T account and assured me the problem was resolved. The BB & T representative also said I needed to call other BB & T departments to change my mailing address and request online access. I was relieved at that time, but to my utmost surprise when I called the other BB & T departments a few days later they could not see my name on the account again or locate any notes from a few days before! I called back the BB & T customer service, but the note and all information about me had magically disappeared. At that point, I did not receive any BB & T correspondence since they had not allowed me to change my address to my new one, access the account online, and BB & T mortgage statements and notices were sent to the wrong address. Nevertheless I continued making monthly payments to XXXX XXXX. InXX/XX/XXXX, the line of credit matured, but I only found out about it a few months later when attempting to call BB & T back and talk to someone at BB & T. When I called, BB & T only told me the loan had matured with no further explanations about my options because I was not on the account. When I insisted, the BB & T representative suggested that I go to a branch, which I did not have access to in my new state. At that stage, I tried calling the equity loan experts in several branches in FL, where the loan was initiated. I tried to discuss options to make monthly payments until I could find refinancing options or sell the property, since due to the lack of communication on BB & T side I did not have a chance to do so earlier. Then in XX/XX/XXXX, BB & T finally replied to my email stating that I should call a number provided to get more information. The number turned out to be the foreclosure department, where I was told a foreclosure was already filed with court and I should talk to BB & Ts attorney now. Ironically, for the first time, BB & T acknowledged me as an account holder, after BB & T filed the foreclosure action against our family home. It was in that moment that BB & Ts motive became very clear to me, so I hired an attorney. The attorney recommended that I probate the property and he agreed to help me try to make an agreement with BB & T to settle the BB & T debt without litigation. My attorney immediately requested a payoff balance. When we received the BB & T payoff after a long wait time, it was largely inflated by illegal forced placed BB & T flood insurance charges for the past 5 years and other junk charges/fees. There was a 20 % increase in the principal balance due to these charges! The imposed charges/fees are as follows : 1 ) Five years of force placed flood insurance when the property was already insured ( XX/XX/XXXX-XX/XX/XXXX ). I have provided BB & T proof of flood insurance for all of the years, which had been sent to XXXX XXXX every year prior because BB & T had refused to speak to me and provide me with the account information. BB & T acquired XXXX XXXX, so they are the same Bank. After speaking to the only one helpful representative inXX/XX/XXXX, the proofs of insurances were then sent directly to BB & T. BB & T attorney has received these proofs and forwarded it to BB & T and they have been trying to look into it and make a decision for the past few months, while continuing to accumulate interest and even more charges during this time. Please note that in addition to flood insurance, the proof of hazard insurance and the monthly payments were also sent to XXXX XXXX during these years, which have been accepted successfully. If BB & T could not receive the proof of flood insurance, they should also not have received the proof of hazard insurance and any of the payments, but they did. 2 ) BB & T attorney fees and foreclosure costs were incurred as a result of BB & Ts own negligence and withholding time sensitive information about the account status from a person on the loan. 3 ) After maturation of the loan in XX/XX/XXXX till this date, BB & T has been accruing interest on the balance even though they went on accepting my monthly payments until XX/XX/XXXX 4 ) I have also been forced to hire an attorney simply to communicate with BB & T, which has led to additional costs. In XX/XX/XXXX, I personally sent BB & T a letter, as the personal representative of my Mothers estate, asking for the amount of the debt and removal of all incorrect charges and interests. Further, my attorney scheduled a conciliatory conference with BB & Ts attorney and a BB & T corporate representative on XX/XX/XXXX, after much back and forth via e-mail, in the hopes of negotiating a resolution that would satisfy both sides to avoid wasting additional time and resources. At the meeting, BB & T refused to discuss anything with us in terms of resolving the mortgage. The BB & T corporate representative only stated that they were still looking into insurances and that they will not provide a payoff at this time. She mentioned that BB & T would not take less than what BB & T declares because BB & T knows my property has equity. For that reason, I really feel it is BB & Ts aim to accumulate added interest and/or charges on my Mothers account, while they purposefully prolong the negotiation process that has been ongoing sinceXX/XX/XXXX. BB & T is demanding an unreasonably inflated payoff and trying to get their hands on our family property, which my Mother had managed to purchase single handedly after years of hard work and left for her children after she XXXX. As a result, my attorney advised me to write to CFPB and reviewed my letter. My evidence is the call logs and possible recordings that BB & T possesses. My husband, aunts, brother and father have witnessed my diligent attempts to resolve this ongoing issue despite my time restrictions and large emotional burden and stress. Had I known that I had to pay the entire amount right after maturation, I would have prepared the appropriate funds in advance and easily avoided the foreclosure. To date, I am still awaiting a BB & T payoff that reflects the true outstanding amount of my mothers debt, without added interest, charges on the account and expensive BB & T forced place insurances. The foreclosure remains pending in court and I have not been served. I really need your help. I know the CFPB central mission is to make markets for consumer financial products and services work for Americans. I believe I have been treated unfairly. BB & T has refused to speak to me and provide loan related information after they merged with XXXX XXXX right through the maturity of the loan and, in my opinion, has illegally engaged in equity theft of our family home. BB & T knowingly violated CFPB procedures regarding successors-in-interest of a deceased borrower. I feel that only the government can protect consumers like me from this type of banking abuse. BB & T has stubbornly refused to speak to me and continues to add interest and charges to my account, causing me further damages. I can not afford to continue waiting for BB & T because I am incurring additional costs to get the correct amount of my Mothers debt, every day. BB & T caused all of this. I anxiously await your prompt response to this request. Thank you in advance!
05/02/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 78130
Web
XXXX XXXX XXXX : Through guidance from BBT and before we purchased our home, BBT ' s representative/mortgage lender communicated to us by phone and in an email that we could remove the PMI when our equity in the home was at 20 %. We purchased the home at $ XXXX , under market value and put down 5 % down payment. We used $ XXXX for renovations. We knew if we put in major renovations that we would meet the PMI removal requirement. We explicitly stated to BBT that this was a huge decision for us ( th is is in email ) and that we wanted to make sure that it was possible to remove the PMI once we proved value. We could 've put down 20 % on another home that required no renovations, but we wanted this home as long as we could purchase it in a smart way. Using the funds to bring up the value and then remove the PMI. BBT 's guidance was clear in that the process to remove PMI was based on the new appraisal and that if we proved value, it would be removed. Our closing documents also provided the same guidance for PMI removal. We had to prove the value of 20 % equity based on an appraisal. We made the decision to purchase our home, make $ XXXX in improvements including new HVAC, ducts, insulation, full master bathroom remodel, flooring, paint, sheetrock, some plumbing and fixtures. Again, instead of using our funds for a 20 % down payment on a move-in ready home so that wed have no PMI, we opted to buy the home we really loved and put the money into the renovations. We felt confident we not only bought the house below market value, but that after renovations, wed see that investment pay off to remove the PMI. XXXX XXXX : Ten months later, after our renovations were complete and we had an appraisal done that showed we had met the criteria of our value to remove the PMI, attaining slightly more than 20 % equity in our home at $ XXXX . We contacted two differ ent BBT representative s who provided us the same instructions for the removal. They guided us to provide the appraisal we conducted and a letter requesting removal to their PMI Removal Dept. in NC. The branch representative was helpful and happy for us. Another representative said the same thing.At no point did they mention there were any other requirements for PMI removal. However, a week after we submitted the request, BBTs requirements for PMI removal changed. They refused the PMI removal on the grounds that we had to be paying on our loan for at least two years, possibly five, and reach an LTV of 75 %. This was communicated to us by the branch representative who learned this from the PMI Removal Dept. who was genuinely surprised. He gave us the headquarter 's executives contact information and suggested we reach out to him. We did and the situation became even more confusing and contradictory. XXXX XXXX XXXX : From XXXX XXXX through XXXX XXXX , we had several email correspondences and phone calls with their VP of Group Mortgage, XXXX XXXX and Asst. VP of Mortgage Group Operations , XXXX XXXX . All have been conflicting and confusing guidance : XXXX : We had a phone call with XXXX XXXX who listened to our situation. He asked for the emails that guided our decision and hed look into it. XXXX : By email, we asked for an update. He said his legal team is looking at all the exhibits. In the meantime, he would have his mortgag e manager reach o ut to us with a secondary option. That option was to do a refi. Around XXXX : Phone conversation with XXXX XXXX who said that XXXX wanted an appraisal ordered so they could establish a baseline and see where we were at. We argued against this as we already had an appraisal done. We had a conversation with XXXX XXXX by phone who also said the same. He said that our appraisal didnt count. The appraisal, by law, had to be done by the lender through a third party. This was the first time we had heard of this requirement. It was never stated in any of our closing documents or any other guidance we received from BBT. XXXX : XXXX confirmed that the appraisal was ordered. XXXX : We had a call with the appraiser scheduled and explained the situation. The appraiser thought i t was odd that they were ordering an appraisal when we already had one done. He stated h e hadnt experience this before. He suggested not even doing the appraisal. However, we went ahead with it because we wanted to go through the process the bank suggested and knew our value would prove correct. XXXX : 2nd appraisal done. The appraiser, XXXX XXXX , did not ask specific questions about how much money we spent on the renovations, nor was he from the area. The appraiser we h ad originally, XXXX XXXX XXXX XXXX , asked for a detailed list of costs and is based here in XXXX XXXX . XXXX : XXXX emails us that the appraisal was received. We have a phone conversation that the value came in at $ XXXX . We had a long conversation about how this doesnt make sense considering the value of our appraisal, the comps listed and of the current neighborhood sales. After explaining the history of this entire situation, she claimed that she had no idea the whole story. She was simply asked to order the appraisal. I sent her our email correspondence with BBT and our closing documents regarding PMI. She said she would go back to XXXX XXXX and advocate for us. XXXX : we ask for a copy of the appraisal. They said they would see what they could do. XXXX : we receive the appraisal a few hours ahead of a scheduled phone conversation with XXXX XXXX . We recorded this conversation. We explicitly asked for what the process was for PMI removal, how they justified this " process '' and why it wasnt communicated to us by their branch managers, in closing documents or by any other representatives. XXXX himself was not clear as to what the process was for PMI removal, contradicting himself and continued to advocate for his branch manager to run the numbers for a refi. He repeatedly stated that the value is $ XXXX and that we didnt qualify for PMI removal. He also made statements about their parameters for PMI removal being the law and a part of Dodd Frank. XXXX : We received a confusing letter from the PMI removal department that was addressed to ou r appraiser asking him to submit forms to update an appraisal that was conducted on XXXX XXXX XXXX . We never had an appraisal done on this date. It also indicated that the loan was owned by XXXX XXXX , but then provided PMI removal guidance from XXXX XXXX . In addition, the parameters this letter states for PMI removal is also different from what XXXX and XXXX XXXX stated. In fact, their own appraisal didnt meet the parameters this letter asked for. We called the appraiser to se e if he received the letter. He said he hadnt and thought all of it was odd. Hed never experienced this before. Weve reviewed Dodd Frank, our closing documents, both appraisals, CFPB and the Homeowners Act of 1999. Weve also had conversations with XXXX XXXX , the owner of our loan. They said that their guidelines for PMI removal are not the law, they are simply guidelines. CRITICAL DETAILS : The BBT a ppraisal is lacking information that should be a part of the valu ation. This includes the failure of the appraiser to pull comps from what is currently for sale, ( showing 0 comps and 0 sales over a 1 year period in our neighborhood ) pulling comps from homes outside of our neighborhood from one year ago that would pull the value of our home down, not listing the value of th he improvements and renovations made, not including the value of the landscaping, deck, pergola, shed, and garage on the cost value analysis. The cost analysis area is blank. Theres no way to determine how he came up with the value of $ XXXX . Currently, there arent any homes in our neighborhood under $ XXXX . One more point regarding PMI : Our PMI is extremely high at $ XXXX /month. The reason for this, according to BBT, is because we put down 5 % and our credit score at the time was XXXX . However, in our communications with them via email before our actual purchase, we were racing to try to get the score higher by paying off all of our debt before we went into contract. Which, we did. In addition, the mortgage lender representative knew we needed as much cash as possible for our renovations and said we could go as low as 5 %. Now we are stuck with the $ XXXX /month. Where we are now : Our gravest concern is that we were led to believe that t he BB T process for PMI removal was attainable, we abided by their guidelines, sought recommendations and did everything we were supposed to do. PMI removal was what determined our decision to purchase the home and go down the road of renovations. When it came time to go through the process, BBT did not adhere to their written communications and our closing documents. We went into contract with BBT to purchase a home based on bad guidance from the bank itself. We would never have gone down the road we did if we knew this all would happen.
11/03/2017 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Problem with customer service
  • WV
  • 258XX
Web
XXXX XXXX, XXXX TO WHOM IT MAY CONCERN : I am writing to place a formal complaint regarding the manner in which I was treated by the associates named in this account. I believe their actions were based upon my race and in violation of federal law. I have sent a copy of this to XXXX XXXX to see what will be done to offer a resolution to how I was treated. 1. On XXXX XXXX, XXXX I went to the XXXX XXXX BBT branch located at XXXX XXXX XXXX. in XXXX XXXX, XXXX at or about XXXX or XXXX. 2. I presented to the male teller ( forgot name ) a personal check for {$700.00} and 2 cd interest checks, one for XXXX and one for XXXX. 3. The account is in my mothers name, XXXX XXXX and my name as well ( XXXX XXXX ) and I am on record as her POA. 4. The male teller cashed the personal check with no problem but was unable to cash the interest checks and sought assistance from XXXX, who was working the outside window. 5. After making an attempt to run the checks she informed me that she would not be able to cash the checks, handed them back to me, without explanation and informed me that I needed to see a personal banker for assistance. 6. I then went over and took a seat to speak with XXXX XXXX, the personal banker on duty. 7. While I waited the male teller asked me if he could try the checks again and gave them to the female teller XXXX. 8. She eventually figured out how to cash the interest checks after about 10 minutes and had me come to the counter to give me the XXXX cents. ( If I were XXXX would she have walked it to me rather than have me get up to walk and get it? ) 9. XXXX XXXX was the Personal banker on duty and at that point in time she was opening a checking account for an individual and there was a couple waiting to do the same. ( this is how I know I waited more than 10 minutes to speak with her because there is no way she opened 2 new checking accounts in 10 minutes. ) 10. I know this because I was able to hear the entire conversation, both their personal business and their banking questions while they completed the process. 11. I believe that I waited at the very least 30-45 minutes before I was able to speak with XXXX XXXX, who seemed very attentive, patient, personable and respectful to all the individuals ( 1 XXXX male and the a couple, 1 XXXX male and 1 XXXX female ) she assisted before me. 12. When I went in I explained that I was concerned about the service I had received during my transactions. I was confused about why my interest checks for XXXX cents could not be cashed, considering there was sufficient funds in the account they were to be drawn on, and why I had not at least been provided with an explanation why the checks could not be cashed so that if I had to cash similar checks in the future I might be able to assist the teller by informing them what this teller had done. I also explained that I did not understand why I had to wait a half hour or longer to see a personal banker to cash 2 XXXX interest checks worth XXXX. 13. XXXX XXXX then proceeded to tell me that everyone there was new and that I had not been waiting that long, that it had only been 10 minutes, in essence calling me a liar. 14. As I attempted to further explain my situation XXXX, the female teller, burst into XXXX XXXX office and interrupted me to supposedly explain why the checks could not be cashed when I initially tendered them. I was perturbed because I did not understand why she did not bother to tell me why the checks could not be cashed and what had to be done to do so when she called me to the counter and gave me the XXXX cents ( without so much as an apology, even if it would not have been sincere, for not knowing how to do her job ) and saw that I had went to wait and see the personal banker. 15. By this time I had become quite frustrated after having been called a liar by XXXX XXXX and to have another employee enter her office and interrupt me while I was attempting to explain my issue, not to mention that another XXXX male who was listening to all this yelled out that I was being rude. 16. At that point I threw the XXXX cent in the air and expressed my feeling that had I been XXXX I would not have been subjected to this kind of treatment. 17. XXXX XXXX then told me to get out of the bank or she would call the police and have me arrested. I am very disturbed at the treatment I received, the lack of privacy I had while attempting to have my concerns addressed, being called a liar and the rude and unprofessional behavior of XXXX, as well as the threat of being arrested after I had been provoked to a fit of anger by XXXX XXXX, XXXX and the unknown XXXX male who said I was being rude. Although my first thought after leaving the branch was to close my mothers and my account, I immediately rejected the idea and thought, I will leave my money in this bank and I will demand the same personable, attentive, patient and respectful customer service that was given to all of the XXXX customers before me. This is not the first incident of questionable customer service I have experienced at this institution and if I do not see a reasonable resolution to the treatment I received today I will consider a legal alternative. I would assume that bank records and cameras would reveal the time I waited, and the truthfulness of my statements. XXXX XXXX Contact info XXXXXXXXXXXX or home phone XXXX XXXX XXXX, XXXX Went to meet XXXX XXXX at the XXXX XXXX branch of BB & T after going to XXXX XXXX branch and they told me she was at XXXX XXXX and would see me there. As I went into the meeting I was concerned about the fact that she was there on site where the complaint originated. I assumed she had discussed the incident that had taken place prior to my arrival with XXXX XXXX and XXXX, the rude teller. XXXX XXXX was polite and professional and allowed to me to speak and explain my concerns uninterrupted but other than that I was not satisfied at all with the explanation she offered for the discriminatory service I was subjected to or the stressful situation her employees placed me in. For every aspect of my complaint she nonchalantly wrote it off as a misunderstanding or miscommunication. She did not deny any of the factual allegations of what took place nor mention any disciplinary action that might be forthcoming to the two employees involved. She had no problem with XXXX bursting into XXXX XXXX office and interrupting me because she was explaining to me why the checks could not be cashed. That maybe she should have announced her intentions before entering XXXX office and interrupting me as she XXXX XXXX XXXX had no knowledge why I wanted to speak with XXXX. There was no issue with XXXX XXXX in essence calling me a liar and stating I had not been waiting to see her more than 10 minutes, but instead stated that XXXX stated it had not taken more than 10 minutes to cash the checks. I was there and know exactly what XXXX said and what she meant, there was no miscommunication or misunderstanding. She offered no apology for the actions of her rude and unprofessional employees and no mention of disciplinary action of any sort. There was also no mention about the threat to call law enforcement after provoking me to angry by calling me a liar and XXXX interruption of my meeting with XXXX. So I came away from this meeting with XXXX XXXX with the impression that she had went and meet with her XXXX female employees and discussed with them how to explain away their unprofessional and rude behavior without so much as a slap on the wrist because this incident involved a XXXX man with 2 interest checks worth XXXX cent. I explained to XXXX XXXX that I felt XXXX did not want to take the time to process the XXXX interest checks because she was busy at the drive thru and told me Id have to see a personal banker to cash them because XXXX assumed I wouldnt wait to see Sparks over XXXX cents as there were 2 people ahead of me. If she could cash the checks ( as is evident by the fact that she did ) then why tell me she couldnt and send me to see XXXX? Then after she saw that I was going to wait she wanted to cover herself and cash the checks so as not to waste XXXX time with having to explain why she XXXX XXXX XXXX could not cash the checks. It was okay for XXXX to waste a XXXX mans time to cash two checks worth XXXX cent in a manner convenient for her but not okay to waste XXXX time explaining to me why it couldnt be done when in fact it could and was. Although it is my personal belief that both employees actions were racially motivated, even if they were not their actions were still unprofessional rude and uncalled for as my only intention upon entering the bank was to cash a check issued by BB & T.
08/16/2018 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Struggling to pay mortgage
  • FL
  • 331XX
Web
On XX/XX/XXXX, President Bush signed into law the Emergency Economic Stabilization Act, 12 U.S.C. 5201 et seq. ( EESA ). Two of EESAs stated purpose were to restore liquidity and stability to the Financial system and to preserve homeownership. 12 U.S.C. 5201. To further its purpose, EESA authorized the Secretary of the Treasury to establish the Troubled Assets Relief Program ( Tarp ) to purchase troubled assets from financial Institutions. 12 U.S.C 5211 ( a ) ( 1 ). In doing so, EESA instructed the Secretary to take into consideration the need to help families keep their homes and to stabilize communities. 12 U.S.C. 5213. 2. Armed with this authority, in XX/XX/XXXX Treasury initiated the Home Affordable Modification Program ( Hamp ) with the goal of financially assisting over three to four Million homeowners who had defaulted on their mortgages or were in imminent risk of default. Treasury Supplemental Directive 09-01 ( SD 09-01 ). To be eligible for the Program, Treasury required mortgage loan servicers to enter into Servicer Participation Agreement ( SPAs ) with XXXX XXXX. SD 09- 01. For each loan permanently modified, the servicer and investor receive certain incentive compensation. 13, Ch. II. MHA Handbook v4.4. 3. Since initiating HAMP, the department of Treasury has issued several Supplemental Directives that provide guidance to servicers on how they should implement the program and explain changes by Treasury to the program. There are currently over 70 Directives, many of which are extensive and quite technical. All of the Directives can be found on the website Treasury established at XXXX XXXX XXXX. 4. On XX/XX/XXXX, The department of Treasury implemented a new version of the HAMP guidelines ( version 5.2 ) to servicers on how they should implement the program. The Making home affordable Handbook for servicers Version 5.2, Chapter V Second lien Modification ( 2MP ), Process states in relevant part : When a borrower fist lien is modified under the Home Affordable Program or a qualifying GSE Standard Modification and is reported in a match file issued by XXXX XXXX XXXX, XXXX, ( XXXX ) on or before XX/XX/XXXX ( In the case of HAMP ) or on before XX/XX/XXXX ( In the case of GSE Standard Modification ) as having been permanently modified, the 2MP servicer must offer to modify or extinguish the corresponding second lien ( 2MP ), according to the steps outlined in Section 5. Services may, but are not required to, offer to modify or extinguish the corresponding second lien when a borrowers lien is reported in a match file issued by XXXX XXXX after XX/XX/XXXX as having been permanently modified under the HAMP. In addition, if the borrowers first lien is modified under HAMP or a qualifying GSE Standard Modification, the 2MP servicer must dismiss any outstanding foreclosure action on the borrowers second lien, provided that this requirement will cease to apply after XX/XX/XXXX, except where the corresponding first lien has been reported as permanently modified in a match file issued by XXXX XXXX on or before such date. ( See HAMP Rules, handbook 5.2. 5. On XX/XX/XXXX, we executed a credit agreement under the Home Affordable program. See permanent loan modification agreement attached hereto. On XX/XX/XXXX, we provided sufficient notice to BB & T home Equity that we had permanently modified the first lien under the Home Affordable Program and therefore pursuant to the HAMP Handbook and directives we requested BB & T to either modify the second lien or extinguish the debt. See fax confirmation hereto. BB & T signed an agreement with Tarp and entered into the Loss Mitigation Program. BB & T ignored the request and failed to adhere by all Treasury Directives. Attached see BB & T loss mitigation application to avoid foreclosure downloaded from their website at the time, yet they deceived us by stating that they do not offer loss mitigation retention or participate in any treasury program, contrary to what their website reflected. See attached BB & T loss mitigation checklist. According to the HAMP Handbook 5.2- When a borrower modifies the fist lien under the HAMP prior to XX/XX/XXXX, the second lien holder must dismiss any foreclosure action. BB & T filed a lawsuit instead of offering loan modification. To file a foreclosure action when the first lien have been permanently modified prior to the statutory date of XX/XX/XXXX, is unlawful and most definitely a violation of treasury Rules. Florida is a Judicial state and must adhere by statutes and Federal Rules. The reason as to why treasury created such programs was to preserve home ownership and to stabilize communities. 12 U.S.C 5201, U.S.C 5213. BB & T ignored all these Federal Rules and moved forward with the foreclosure action. Under Florida Law, the bank must refute defendants affirmative defenses in order to win summary judgment. See Florida case law, case no. XXXX XXXX XXXX XXXX v XXXX XXXX XXXX XXXX XXXX XXXX. BB & T, filed a motion to strike our defenses to the HAMP rules and directives. On XX/XX/XXXX, the Judge entered an order striking all of our defenses except for the Home Affordable argument. BB & T could not refute this defense. However, even though Florida Law is very specific that summary judgment can not be entered unless plaintiff refutes and wins, at a later time the judge ignored the law and entered a final judgment. We appealed to the Florida 3 DCA court of appeals. Despite Florida Case Law regarding failing to refute defendants defense and the Treasury Handbook and Directives, the 3 DCA issued an Affirmed decision without elaborating as to why. We were stunned by their decision and investigated further. Attached please see an article made public by a law firm whom conducted an investigation and provided the foreclosure statistics to the 3 DCA. if you carefully review the statistics you will find that something terrible is wrong with the 3 DCA while adjudicating foreclosure cases. Alhtough other districts have ruled on for property owners and issue written opinions, the 3 DCA have denied the same argument and not issue an opinion. The 3 DCA actions are unconstitutional, if everyone has the right to a fair trial, how can their ruling be constitutional when the 3 DCA is ignoring Florida law and federal rules. The 3 DCA has gotten very far, and its time for a Federal Investigation. Are these Judges promised an intensive? we do not know, but the statistics speak for themselves. We should not trust any opinion in connection with foreclosure cases from the Floridas 3 DCA Court of Appeals. At this juncture, the court of appeals even demanded that we pay BB & T attorneys fees, which is bizarre. The treasury implemented the Handbook as a guidance for servicer 's and the judicial courts to follow. In this case, the treasury Rules were ignored by Judge and the fraudulent Florida 3 DCA. BB & T, 3 DCA, CFPB, need to know the following : Under Florida Section 687.0304 ( 2 ), a debtor may maintain an action on a credit agreement unless the agreement is in writing. We entered into a credit agreement in writing under the Home affordable program. Under Florida section 687.03049 ( 1 ) ( a ). a loan modification ... .is both an agreement which extends credit and which makes a financial accommodation, thus implicating the banking statutes of Frauds. See XXXX v. XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX XXXX ( Fla. XXXX d DCA XX/XX/XXXX ). This opinion was issued by the 3 DCA on XX/XX/XXXX. Yet they affirmed the summary Judgment going against their own opinion??????? definitely something wrong here. The credit agreement we entered came with many financial accommodation that would precluded a foreclosure action. One another accommodation, was to either modify or extinguish the second lien. The 3 DCA forgot that they even issued that opinion yet they affirmed BB & T conclusory arguments. Indeed the actions of BB & T are of Unfair Deceiving Practices must worse then this, the 3 DCA has gone against their own previous opinion on the subject matter and this is should be investigate by the Office to The Attorney General of Florida. We are going to file complaint against the 3 DCA and provide case law and demand a Federal investigation since we are dealing with officers of the court and Judicial or government.
12/26/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • FL
  • 34293
Web
I made cash & check deposit at my banks atm on XX/XX/XXXX @ XXXX XXXX, of {$43000.00}. I thought I had deposited {$500.00} in cash but I must have counted wrong because the receipt said {$400.00}. Thats my responsibility & my consequences to deal with. I received a call on XX/XX/XXXX @ XXXX XXXX by XXXX saying there was an issue with my name on the check, it was a settlement check from insurance of {$43000.00} I explained its my maiden name & a settlement from a loss that happened 3 yrs prior, she said that they were not going to accept the deposit because its made in my maiden name, i said ok & asked if i need to come pick up the check or do they mail it to me,. XXXX informed me because a mortage company was included on the check that it was sent to them. I then called my mortgage company and i spoke to a person whose name is XXXX & I explained to them they would be getting a check, why & what the check is for. for a claim that was years ago & that the bank for some reason had sent the check to them. she explained to me since i do not have any claims with my mortgage company the check will be deposited to my principal & I will need to request a refund, however she asked me to call the bank & ask what address did they send the check to. I called BB & t requesting to speak with the manager, I was told she was in a meeting & i could leave a message for her, in which i did, at XXXX XXXX @ BBT informed me the manager is in meetings all week & that she is the head teller & the manager asked her to handle this., I asked her the address the check was sent to? she told me that they have decided to accpet the check for deposit however because the check is in my Maiden name, she needs me to come into the bank with my license & docs to prove XXXX is my maiden name & also for me to sign an affidavit & that there will be an will increase on hold from XX/XX/XXXX & XX/XX/XXXX to XX/XX/XXXX. I gathered all the docs, as well as docs from settlement to prove everything & more. The Next morning 30 mins prior to my appt time, XXXX called saying she has great news, she no longer needs all the proof of my name, that she had requested because they are going to accept the deposit However she needs something from my mortgage company endorsing the check. I did not realize the check needed to be endorsed by BOTH me & my mortgage company, as no other checks iv deposited have been. Why are they asking now? I thought the check was written out as AND/OR informed me i would need to open a claim, I explained it all to XXXX At BB & T bank & explained it would be a big deal, since it is a settlement and not an actual loss. I called XXXX repeated the conversation I had with XXXX @ mortgage company and that I would have to open a New claim with my mortgage & how XXXX said it is a big deal because i do not have a current loss, it requires contractors, etc. I told XXXX, again this is a settlement from a loss many years ago, i would be happy to show the papers to them proving all that i have said but that is all that I can do, there fore if that is a requirement to accept the check as a deposit, then it is fine that they do not accept it, and please return the check to me asap, this is delay that i can not afford. XXXX then told me, she would speak with HEADQUARTERS to let them know & that she would call me back to let me know and if not she would tell me when my check would be returned. explaining to my attorney what was happening, she said its simply only a formality that the Insurance is required to include the Mortgage on the check. That some banks require 2 signatures & some do not, especially given the fact that i am DEPOSITING the check in to my OWN account. I explained how i believed the check was written out as an and/or, she said if the check was lost she can request from the opposing counsil to make out the new check as such. Considering the settlement was over additional living, expenses, personal property & actual cost I expected that and/or is how the check was made out to begin with. I learned we could NOT in for a lost check, since THE FUNDS HAVE BEEN withdrawn for that check. XX/XX/XXXX I received a Text stating {$43000.00} posted to my account at BB & T also i recieved XXXX post letters in the mail stating my funds have cleared.with the date and times for partial release and remainder release. I recieve a call from XXXX states that she is the manager at Both the point loop branch as well as the XXXX branch telling me that they are withdrawing the funds from my account placing a HOLD on my account. for an inproperly endorsed check. I explained again everything i had been through with XXXX, reminding XXXX of who I am she knows my LEGAL name being Maiden XXXX married as XXXX, How long that I have banked with them of which she said she remembers me, and they dont want to accept my deposit over inproper endorsement, I again say it is fine I just want to know where is the check? when are they going to return it to me? How if its lost, i called to have a new one issued, but i was not able to because the funds have been withdrawn from the issuers bank. I dont know where my moiney is, that even my cash deposits have been put on hold all this time and its 10 days, she informs me that she put a hold on my account. I TOLD HER my kids can not have XXXX, my child support my cash is in that account, she states she will talk to XXXX and ask is advice and for me to call the branch on XXXX XXXX tomorrow they may be able to give me some advice, I called XX/XX/XXXX as XXXX told me to I spoke with THE ASSISTANT manager she told me she was, I asked her if my deposit would be returned to me or who do I call that can help me with regulating banks, she began to ARGUE with me that I needed to wait until XX/XX/XXXX the hold would be removed and my money would be made available. on XX/XX/XXXX I recieved another call from XXXX at approx XXXX XXXX telling me I have to call the INSURANCE company have them to RECALL the check for inproper endorsement, and that after I do that and after they have recalled the check, only then they will release the hold on my account. I dont understand why BB & T does NOT acknowledge, that this was a suit and it was a settlement, I ONLY WANT my check returned. they treat me as if I DID SOMETHING WRONG. THEY REFUSE to RETURN the check to me & they WILL Not release the hold they placed on my account, my cash, my child support, they have all of my money, they have given me the run around, changed their story so many times, say they will accept then they wont accept the deposit which I have no issue with it but They DID NOT have a right to treat ME like I AM SOME KIND OF CRIMINAL.Their actions have made it so my children, my grand children DID NOT have a single gift, tree NOTHING we did NOT have XXXX. WHY is it taking all this time to simply RETURN MY Check? my cash? why IS MY ACCOUNT ON HOLD? That is for people who have fraud stuff .Ive been a client with this bank for many many years, yet they are treating me LIKE I AM SOME KIND OF CRIMINAL, I have never broken a law in my life & they did not care they will not return my cash or the check I deposited they HAVE OUT RIGHT REFUSED to return it and they have made me jump thru hoops, given me different excuses, lies after lies, they have this freeze on my account, for NO reason! THEY REFUSE to RETURN my check, they WILL NOT release this HOLD they put on my account. It is SO WRONG that I am being treated this way. I so desperately NEED your help, I am pretty sure that there are laws that protect cunsumers from being BLACKMAILED and BULLIED. I am so grateful and Thank you for anything you can do to help me.
07/20/2017 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • FL
  • 33607
Web
OnXX/XX/XXXXI was laid-off and was XXXX XXXX XXXX in the coming months. I was prudent enough to have savings that cover mortgage, but in no way did I see myself being in this situation for 11 months. I contacted BB & T in XXXX to inform them that it would become difficult to make my current mortgage payment as a result of my situation and was advised to visit my local branch to obtain a loss mitigation application. OnXX/XX/XXXX, I submitted a loss mitigation package to my mortgage provider. On Tuesday, XX/XX/XXXX at XXXX XXXX BB & T corresponded with me via telephone and informed me that they needed additional information : a profit and loss statement, an assistance award letter, and all the pages of my most recent tax return signed. This was stated in a letter that was sent out the day before and I received it 3 days later. I provided all the requested additional documentation and they informed me via mailed letter onXX/XX/XXXX that they have received a completed loss mitigation financial package and I would be contacted within 30 days. On Monday,XX/XX/XXXX at XXXX XXXX I returned a missed call from BB & T and they informed me that my loss mitigation application was denied. I inquired a lot about the decision, reiterating everything stated in my package, understanding a decision had already been made. I was told that since I am not making enough money BB & T would n't even consider modifying my mortgage and that 's their policy. Having explained my situation and being responsible to be preemptive to reach out and inquire on my options so I do not default on my loan, and never missing a payment, I would think that warrants something. But, I was told BB & T would not do anything because I am not making enough money to justify helping my family, but I could submit an appeal. On XX/XX/XXXX I received in the mail the notice explaining the reasons for denial : REPAYMENT INSUFFICIENT CASH FLOW TO SUPPORT WORKOUT FORBEARANCE DOES NOT MEET FINANCIAL HARDSHIP REQUIREMENT HAMP MODIFICATION INSUFFICIENT CASH FLOW TO SUPPORT WORKOUT PARTIAL CLAIM INSUFFICIENT CASH FLOW TO SUPPORT WORKOUT I 've never been late on my mortgage, and I have accepted the denial of my application for INSUFFICIENT CASH FLOW TO SUPPORT WORKOUT. On XX/XX/XXXX I submitted an appeal to the denial of my loss mitigation application via email. On Monday, XX/XX/XXXX at XXXX XXXX, I received a call from BB & T asking for clarification of the income that I submitted. I submitted the contract offer and award letter along with my bank records indicating the deposit of the funds and income proof. I told the representative that I was a XXXX employee and she said, thank you, that 's all. On Friday, XXXX XXXX XXXX at XXXX XXXX I called BB & T to ensure that I would not be assessed a late fee. I was told that my account would be coded a certain way and that I would not receive a late fee as the current month has not been paid yet. I was told correctly, I was not assessed a fee. Additionally, I asked them if there was new information regarding the appeal to my denied loss mitigation application. I was told it was denied. The representative cited from the records that a call made to me onXX/XX/XXXX indicated that I was instructed to send in a signed profit and loss statement. I WAS NEVER GIVEN THOSE INSTRUCTIONS! Additionally, when I submitted my original package I had to submit that same document and got it to them ASAP. So, if that was the justification for my denied appeal AND I WAS NOT GIVEN THAT INSTRUCTION, there is a major problem. At the end of the call, I was told that I could RESUBMIT THE ENTIRE LOSS MITIGATION PACKAGE AGAIN! Here 's the problem with that. If I submit the entire package again, it does not stop credit reporting from indicting that my mortgage is delinquent and my EXCELLENT Credit will be negatively affected. Furthermore, I WAS NOT INSTRUCTED TO SUBMIT ANY ADDITIONAL DOCUMENTATION DURING MY PHONE CALL ONXX/XX/XXXX. I am given the impression from BB & T that it does n't matter that I 've never missed a payment, or that I 've never been late, or that I 've been a loyal customer who is going through a financial hardship and is trying to keep my home mortgage from becoming delinquent. Currently, I have EXCELLENT CREDIT and am trying to keep it that way, not falling behind on my mortgage. BB & T 's response is an indication that they are more concerned with receiving their payment than lending a helping hand to a customer in need. Lastly, there was a breakdown in communication from BB & T to me. I was never instructed to send in a Profit and Loss statement and for that to be documented on a separate call is inaccurate and not untrue. I understand BB & T are permitted to make any decisions they feel is in their best interest, but when it comes to an error and/or improper documentation, this warrants an investigation. As a result of the CFPB website being down onXX/XX/XXXX, I was unable to submit the aforementioned information as a complaint. So, I decided to call BB & T once more onXX/XX/XXXX at XXXX XXXX. The representative I spoke with was very helpful and upon further asking why my appeal was denied she went back into the notes. Again the notes stated that I had not submitted a profit and loss statement. Interestingly enough, this representative was the one who originally instructed me to send a profit and loss statement and acknowledged that it was received. Due to this uncertainty of the notes, as I explained I had previously submitted a profit and loss statement and I was not instructed to submit any additional information, which should be investigated since all calls are recorded for quality assurance, she placed me on hold to look into the matter further. Upon consulting with her manager it was stated that my income could not be verified as the reason for my appeal denial. I reiterated that I submitted the award/acceptance letter stating the monthly income I would be receiving and asked for further clarity. I was placed on hold again and she returned after speaking with a manager and provided me with a COMPLETELY DIFFERENT EXPLANATION FOR MY DENIAL. I was told that the funds could not be validated because as a XXXX employee 90 days is needed to verify income versus a XXXX. That is the reason for my denial. The representative indicated that it was the wording of the explanation. I disagree, it was a completely inaccurate reason that I was provided for my denial. Furthermore, prior to this call, I was told that I could re-apply. Had I not called back, I would again be denied due to inaccurate information that was provided to me. Also, on XX/XX/XXXX at XXXX XXXX, I received a call from the mortgage department informing me that my mortgage was late and would be assessed a late fee. I am still troubled by this call. I explained to the representative that I was informed on multiple occasions that because I applied for loss mitigation, my mortgage would be coded as such and I would not be assessed a late fee. She had no idea was I was referring to and said, I can waive the penalty as a onetime courtesy. Incredible! I scheduled a payment for the end of XXXX to get the funds together only to start the process all over again in XXXX in an attempt to preserve my credit, and stay on time. I would image that the mortgage company would be more understanding to someone that is actually trying to pay the mortgage, as opposed to a negligent customer. But, it appears from the call that my mortgage was late and I would have a fee associated with it is representative of how BB & T mortgage handles its customers.
10/29/2017 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • VA
  • 22485
Web
On XXXX I went over to the XXXX XXXX XXXX XXXX BB & T to pay an overdraft charge of {$38.00} that I had incurred while I was ill before my foot XXXX on XXXX and after I had paid off the charge, the clerk at the drive thru window told me that I had more charges to pay. She printed off a partial statement and besides the rest of the overcharge that I needed to pay, I saw charges titled Debit Card Non BB & T ATM Fee ( {$3.00} each ), XXXX XXXX XXXX BB & T ATM Inquiry Fee ( {$3.00} each ), Auto Overdraft Transfer Fee ( {$12.00} each ), and Paper Statement Fee ( {$3.00} each ) that I had never seen before. She told me that to discuss the matter more, I needed to pull around and go in to talk to the banker that was there. When I began to converse with the banker, XXXX XXXX, she and I discovered that my online portal was extremely screwed up. I had been logging in using one username XXXX XXXX XXXX when she had another down on my account XXXX XXXX XXXX. She said from what she was looking at, the username I was using did not exist ; the frozen screens and the messed up statements suddenly made a lot of sense. I had stopped using the online portal due to the continuous frozen screens and loading issues in XXXX. None of the banks charges ever showed up on my portal. I do not know how, I do not know why ; XXXX was trying to find a reason and could not. I believe that the bank should own up to their mistakes with my account and my portal. Its ridiculous that I had to take my complaint this far and send it to you all. Beyond me not knowing that the charges were there, I never knew they even existed as a type of charge. I was extremely misled I believe due to my inexperience with banks and I feel very taken advantage of by BB & T. Up until XXXX I considered myself a budding loyal customer, as my mother and many other people in my community use this particular BB & T and other local branches, so I had the feeling like my money was safe. The First type of fee that I mentioned above, the XXXX XXXX XXXX BB & T ATM Fee ( {$3.00} each ), was charged to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. This was a total of XXXX times for a total of {$51.00}. I am disputing these charges due to the fact that I asked what kind of charges a student account could accrue and all I was told about was the Paper Statement Fee ( will explain this charge below ). The second type of charge that I am disputing is the smallest in this complaint, the XXXX XXXX XXXX BB & T ATM Inquiry Fee ( {$3.00} each ), and the dates for this charge are XXXX, XXXX, and XXXX. The total was {$9.00}. I am disputing the Inquiry charge because, again, I asked what kind of charges could be accrued by my XXXX account and was only told about the XXXX XXXX XXXX. The largest total that I will be complaining about is from the charge titled XXXX XXXX Transfer Fee ( {$12.00} each ). This was charged to me a total of 37 times, the majority starting in XXXX, after I had stopped looking at my online portal due to my frustrations with it glitching, however I do not see how I would have ever known it was being charged anyway due to me not receiving the notifications at all because the portal I was using was so screwed up. The dates for this charge are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. This charge accrued a total of {$460.00}. I can not believe I was not made aware of this type of fee when I set up my account. I believe frequency alone speaks to the fact that I did not know I was being charged. I am an extremely fiscally minded person in the way that I do not just fling money here or there. I am a nanny, I work very hard for the money I get by being XXXX, XXXX at, XXXX XXXX XXXX, XXXX XXXX, XXXX on, XXXX on, and XXXX and pooped on. I work my XXXX off to make sure other peoples kids are always clean, well fed, happy, and I keep them safe. The last fee I will be disputing is the XXXX XXXX XXXX XXXX {$3.00} each ). This was charged to me on the following dates : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. The total is {$18.00}. I signed up for a paperless account initially and when I first signed into the portal, I was never prompted by a screen to verify that I really did want my account paperless, which as told by XXXX XXXX when I went in to dispute the charges, is what is supposed to happen. When I was sitting there with her, I said well I would certainly like my money back for that charge because # 1 I did not want that service, # 2 I was not told I would have to verify that I wanted the account paperless when I logged into the portal because that would have immediately tipped me off that something was wrong with my portal, and # XXXX I never received the service I was apparently paying for, so being refunded would have been the answer even if I had wanted a paper statement because I was not receiving them. The rest of the complaint I have for XXXX XXXX BB & T is that after XXXX was helpful trying to figure out the issues with my portal, she realized I was attempting to rightfully get my money back and completely clammed up and changed her attitude. I became very frustrated and told her that I would just like to get my money back and close my account because I was just done with it all at that point, I did not want to keep going round and round. She told me that if I closed my account I could not get all my money back. I was very taken aback by hearing that and asked her two different times about that statement and she verified that she really meant I would not be able to get my money back if I closed my account. I even made sure she knew I meant I wanted it closed after I received all my refunds while we were sitting here and she nodded and said, No, no, I know what you meant. I just stared at her in amazement because I could not believe she was blackmailing me into keeping the account open which had over the course of 7 months, had screwed me out of what I would later tally up to over {$500.00}. At that point, I knew it was best for me to get out of there and take my complaint above her head. She begrudgingly refunded me XXXX payments of {$12.00} from the Auto Overdraft Transfer Fee charges and XXXX payments of {$3.00} subtracted from my Paper Statement Fee and said that was all she could do for me. I calculated the percentage of what I was refunded ( {$31.00} ) subtracted from the grand total, leaving what I am demanding I be refunded ( {$500.00} ) and it was a minuscule 5.74 % of the fees that I was refunded. That is not acceptable at all. I am still waiting on the XXXX statement to review, I had to wait long enough to get the XXXX statement, I just really want to get the ball rolling on this so I can get my money back and get my own place finally. Thank you so much for your time. I really hope you all can help me. This money was supposed to go towards my rent fund for when my significant other and I get our own place like I mentioned above. It was never meant to be taken by the very bank meant to keep my money safe. **NOTE : All the documents I need to send you are too big, no matter what format I put them in. Please send me an alternative method to get them to you. **
06/26/2018 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • TX
  • 75060
Web
I opened a $ XXXX monthly fee checking account with BB & T in XX/XX/2018 after my account at XXXX was compromised due to telecommunication fraud. I did not set my account up with online banking immediately due to the telecommunication fraud at the previous bank. I opened the account up with my home address which is my father 's residence that he allows me to use for my mail since I do not have a residence. However, in XX/XX/2018 I decided to sign up for online banking. Once I had enrolled in online banking on my cell phone I could not see all of my transaction history. It only would show the last 6 transactions. So while I was in the branch that I opened the account at I asked the banker why it would not show me anymore transaction history. She said she did not know but she could print my statement off for me to review. When she printed off the statement I noticed my address had been changed on the account to my new XXXX. XXXX in XXXX, TX XXXX. But I did not open my account with that address nor did I make the change. I asked her who changed my address and on what date. She got everyone together in the bank and said, " No we all remember that was the address you opened it with. '' And I said, " No. I don't have any accounts address to my XXXX XXXX. When was this changed made? '' The bankers then said they needed me to sign that I changed my address and I said I'm not signing that form until someone can give me information on how my address was changed. '' I am also a victim to mail fraud with several other financial institutions where my address was altered to have my statements on accounts diverted to the people stealing my identity with telecommunication companies. I reported account tampering and suspected mail forwarding from my XXXX XXXX to another address that I wouldn't know since I wasn't the one that put a forward from the XXXX. XXXX. that would allow someone else to receive my original statements and access my account information. In the past these statements were then altered and sent in the mail to me to my correct address so that I would be unaware of the true account activity or a transaction by the USPS that my mail was forwarded out of account. Additionally, on XX/XX/2018 when I signed into my online banking it prompted me to enter my password. Then it gives you the option to set up a XXXXne time code to device or to enter my security questions. I never opt to enter a one time code because of the continuous telecommunication fraud. However, once I entered my security question I saw someone remote into my phone and select send one time code and then it stated : XXXX, we just sent a one time code to your phone number ending in XXXX. Once you receive the code enter. My telephone number does not end in this and nor was I the one that received the code. But then all of a sudden the account page opened up and it was all in XXXX. I tried to navigate through the page to look up what number my account had on file that the code was sent to so I could report the full number to the XXXX Police Department. But since I could not read XXXX I had to exit out of my account and log back in. I went through the same steps and this time no one remote into account and the web page opened up after I entered my security questions and everything was back in English. When I went to my account profile it had my correct telephone number ending in XXXX and my correct email address. Before in the past several telecommunications companies had been illegally managing my cell phone account without my knowledge and then switching out devices on my account while placing me on another server while they then got into my bank account to do account transfers or withdrawals without my knowledge and also tried to frame me for XXXX XXXX XXXX scams and drug activities that was not me by switching out these devices on my account. Once they were done accessing my account as me they would remove their devices from my cell phone account and then put me back on my the server. I am not sure if this is the case at BB & T, but it is all the same crimes that keep happening over and over again. I have also requested from the USPS for a chain of address and they have not cooperated with me in regards to providing me this information to find out where my mail is being diverted and tampered with once someone changes my bank account address. I reported the cyber crime to BB & T fraud department and was told to go into bank to close account. When I did this the banker would not do this because she said that I still had pending transactions of {$43.00}. I said I realized that but I still needed my account status to reflex pending close so that no further transactions would go through my account. She said the bank does not have any such status when items are pending. I know this to be a lie and the branch manager would not even provide me with documentation on the status of my account. I showed her my police report about the account and I said I will need to call the police since my account has been tampered with if you will not provide me with the necessary documentation that is required of them to provide in consumer protections laws. She told me not to call police but she will call me when I could close the account. This would leave to account wide open to have wire transfers, email transfers, or phone transfers completed without my knowledge if the account stayed in active status. On Monday, XX/XX/2018 I went back into branch and asked for my proof that my account was closed. I was told the items were still pending and they still would not change my account status for me. I said, '' I am just going to call the police so that I can have a witness of you stating the bank does not provide customers that are victims to account tampering and fraud a pending close status document to prevent any further fraud and that I have stated to close my account. XXXX Police Department came out as my witness which now has a video surveillance for reference about the fraud on my account and the banker lying to me that the bank can't change the status on my account to close until after the pending items cleared. I also asked if there was any external account transfers done on my account. She told me she can't give me any of that or any of that information. I asked why because I was the account owner and holder and I had a right to know the full actives on my account. She told me to call the online banking department but every time I do this the telephone numbers do not match what the branch has for the departments and they don't ever have any notes or history documenting the people I spoke with or my concerns regarding the fraud. Thus all the information is not synchronize which leads me to believe it is another technology company acting as a 3rd party and illegally accessing my account as me.
08/07/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • GA
  • XXXXX
Web
I have been a BB & T customer since 2010, when I opened a small business account for my main business, which is advertising. Since then, I added 2 more accounts. I am writing this because I feel you should be aware of the way they handled a situation regarding one of these accounts. I am a stickler about making sure the money is in my account before writing a check or paying a bill. On the evening of XX/XX/XXXX, prior to depositing a check into my account at a BB & T ATM, I checked the balance online, and it was {$880.00}. I proceeded to deposit a check in the amount of {$1300.00} into my account at BB & T. When you deposit a check at a BB & T ATM, the receipt shows the first {$100.00} as added to the accounts balance, with the remainder to clear on the next business day, or if the deposit is made after hours, the second business day. The BB & T receipt showed the first {$100.00} as added to the account balance ; the total balance reported on the receipt was {$980.00}. The remaining {$1200.00} was being held until the second business day. Having the assurance with the receipt that the account balance was now {$980.00}, I went home and wrote a check in the amount of {$900.00}, which I deposited into my personal checking account at a XXXX XXXX XXXX ATM. On XX/XX/XXXX, I received an email from BB & T saying the check had been returned for insufficient funds, which triggered a fee of {$36.00}. It also caused a fee of {$12.00} to my XXXX XXXX XXXX account. I called BB & Ts customer service number and was told the account had only {$880.00} in it when the {$900.00} check was written. I told them I had the receipt that showed BB & T had credited the first {$100.00} of my deposit, and according to the receipt, {$980.00} was in the account. I then told customer service that I would take the receipt to my local BB & T branch. When I took the receipt to the BB & T branch on XXXX XXXX in XXXX, GA, the only two employees in the bank were tellers. I explained what happened to one of the tellers and showed him the receipt. He said the balance on ATM receipts is effective the following business day. Nothing on the receipt said anything about the next business day. It showed the balance was {$980.00}, which included the first {$100.00} of the deposit. The teller said he would submit a request online for the {$36.00} fee to be credited. He then informed me that the request was denied. He said the only person who could push through the credit was the branch manager, XXXX XXXX, who would be in the bank around XXXX. On the way home I stopped at XXXX XXXX XXXX. I explained the situation to them and showed them the BB & T ATM receipt. They credited the {$12.00} immediately. I spoke with Ms. XXXX by telephone ; the teller had explained the situation to her. I found Ms. XXXX to be borderline rude during the entire call. She said there was nothing she could do at the branch since the system had rejected the request for a credit. At one point, I evidently interrupted her. She said, As I was about to say before I was interrupted, Ill put the request through to be reviewed by the bank, and theyll make a decision. Ms. XXXX then said the records showed I deposited the {$900.00} check from BB & T into my XXXX XXXX XXXX account before I deposited the funds into my BB & T account. This was absolutely untrue, and I told Ms. XXXX that. I promised her that I would email the receipt from the deposit at XXXX XXXX XXXX to prove the time, which was XXXX, was later than the deposit at BB & T, which was at XXXX. What was frankly stunning to me was Ms. XXXX refusal to resolve the situation in a way that I would expect from any employee in a customer service position. She knew what had happened and that it wasnt my fault. She could have said something like, For the future, just know that when the receipt shows {$100.00} credited to the balance, its effective the next morning. But I understand what happened, and Ill take care of it. I find it hard to believe that when the system refuses a request, there is no way around it. Before I emailed Ms. XXXX to send her the XXXX XXXX XXXX receipt, I called BB & T customer service and asked to whom Ms. XXXX reported at the corporate office. I was given the name and email address of XXXX XXXX. I then emailed Ms. XXXX the receipt, proving her claim that I deposited the money into XXXX XXXX XXXX before depositing the funds into BB & T was not true. In the email, I added that I was going to write to XXXX XXXX to let him know my level of dissatisfaction. About 5 minutes later, before I was able to email him, I received a call from Mr. XXXX. He said he happened to be in the branch that morning, and Ms. XXXX informed him of the situation. He said he had a question : The BB & T check that I had deposited into my XXXX XXXX XXXX account was # XXXX. But the bottom of the XXXX XXXX XXXX receipt that proved the deposit was made at XXXX showed a serial number of XXXX. To what did XXXX refer? I didnt know the answer but told Mr. XXXX that I would print the check from my XXXX XXXX XXXX account in order to show him that the check deposited at XXXX was indeed BB & T check # XXXX. When I emailed him the check, I wrote that I was surprised he was making me jump through hoops over {$36.00}, especially since he knew what happened and that it was not my fault. Subsequently, I called XXXX XXXX XXXX customer service and asked what the serial number of XXXX referred to. They said every ATM has a serial number, and XXXX was the serial number of the ATM in which I deposited the check. Mr. XXXX wrote back that he did not intend that I do additional work or jump through hoops ; that he was just trying to review the situation and determine what might have caused the fee. He said I would hear back from Ms. XXXX or himself by close of business the following day. While I appreciate Mr. XXXX meticulousness, I am still amazed that such an investigation was deemed necessary over {$36.00} ; that Ms. XXXX, aware of what happened, had not just cordially taken care of it immediately. I realize banks make billions in fees, but this was a case in which a long-time customer obviously was right based on the information he was given. It would have been so easy to apply basic customer service principles. Mr. XXXX email stated I would hear from either Ms. XXXX or him no later than close of business on XX/XX/XXXX. I never heard from either of them. If BB & Ts goal was to make {$36.00}, they were successful. But, they lost 3 accounts in the process.
01/21/2019 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Closing on a mortgage
  • NJ
  • 085XX
Web
BB & T [ Branch Banking and Trust Company ] Product : HELOC Loan Loan start date : XX/XX/XXXX Loan payoff date : XX/XX/XXXX When we first met with the loan officer [ LO ] to discuss the details of getting a HELOC from BB & T back on XX/XX/XXXX we made it very clear we were only interested in a Fixed Rate loan. While BB & T only offered a Variable rate, LO stated that we could get a fixed rate HELOC but would have to pay an annual fee of {$50.00} which we agreed to do after some calculations done on our part. At the time BB & T was running an introductory 2.24 % variable rate APR for 12 months then rates as low as 3.49 % Variable APR for the life of the line. We closed on our HELOC loan on XX/XX/XXXX. We setup the monthly payment to be automatically withdrawn from our other bank account. The next two years we were very busy with the planned home improvements. Unfortunately, in the spring of XX/XX/XXXX I required major back XXXX which took me many months to fully recover. In late fall of XX/XX/XXXX my wife and I noticed on our statements that the interest rate on our HELOC was Now 5.24 % [? ] and had been increasing since XX/XX/XXXX. This made no sense to us since we had locked in the rate and were still in the introductory rate of 2.24 for the first 12 months when the rate increases began. I called our LO and discussed the issue and we agreed to meet. My wife and I met on XX/XX/XXXX with our LO at the bank and we brought our contract and all other documents we were provided by the bank in our original packet provided by the bank. During our meeting with the LO she seemed very unfamiliar with our loan agreement and struggled to answer my questions or explain how the loan was setup and supposed to work. She stated she did not recall the details of our conversation during the closing since it had been some time ago. My wife and I reminded her that we were very clear and detailed about wanting a Fixed Rate loan and could not understand why this was not in place. I told our LO there is a lot of ambiguity in the contract, introductory offering letter, and other documents. I told LO that these were bad banking practices and several mistakes had been made with our HELOC and if necessary, I would contact the FDIC. After some discussion about our request for a fixed rate and our LO stating we were not set up for a fixed rate loan, I asked the LO if we were at least signed up for the [ introductory ] 2.24 rate, for the first 12 months, and she confirmed that we were setup for the 2.24 % rate for the first 12 months. I told her we had not even received the 2.24 % rate the first 12 months. She could not explain this issue. Later in our discussion after she then read more of the contract, she said it was a 2.24 % variable rate APR so it could fluctuate during the first 12 months. This was the first time we were told this and obviously she was surprised as well. I told her she just changed her description about how the loan was setup again and she was not being consistent or clear nor had she explained any of this at our loan closing. After reviewing our contract which we brought in our LO presented another document [ copy ] with our signatures from the closing, it was the Discounted Annual Percentage Rate Agreement. We were not given a copy of this document at the loan closing which I told our LO and she then made a copy for us. When my wife asked about the fixed rate of 2.24 and the lock-in, LO stated that if you lock in then you are not eligible for the 2.24 % introductory rate. We told her this was the first time we were hearing this information and she had never mentioned this restriction. I then asked her where this was documented and she told us it was not documented. LO asked me what I was looking for to make a satisfactory settlement and I told her minimally I would like the bank to make up the difference in money lost for not having a fixed rate and the 2.24 % introductory rate. LO Stated she would have to discuss this with her manager, and would get back to us on Monday, XX/XX/XXXX. When I did not hear back from our LO, I called her at the branch office on XX/XX/XXXX and was told that she was in all day meetings along with her manager. I left a message for her to call. I left messages with her manger as well [ Voice mail ] on XX/XX/XXXX and XX/XX/XXXX and updated him and asked that he call me. No return call from him. On XX/XX/XXXX I went into the BBT branch office and met with our LO. She told me that unfortunately she did not believe there was anything they could do for me but called her manger and he and I spoke and I again told him what transpired but he offered no resolution other than to waive the initial {$50.00} fee to setup a fixed rate at the now current loan rate of 5.24 % [ instead of the introductory 2.24 % or the 3.49 % as was initially offered and discussed in detail at closing ]. I closed out my checking account at BBT on XX/XX/XXXX. On XX/XX/XXXX I payed off my HELOC loan in full at BBT. My wife and I have held several mortgages and Home equity loans over the past 30 years with different banks and always had excellent credit and never had an issue. We have never encountered a Bank like BBT that is so misleading, incompetent and dishonest. I can Verify and Validate the conversation described above that we had with our LO on XX/XX/XXXX where she confirmed we were entitled to a 2.24 % rate for the first 12 months and then changed her statement later in the meeting. My overall impression of our LO in our last meeting was that she was not very familiar with the loan process, or so it seemed. When we asked her questions both at the closing of the loan and again when we noted discrepancies in the rate and met with her in XX/XX/XXXX, she was very unclear, inconsistent and continued to change the parameters of the loan. I do not think we should have to suffer and pay for a loan officers incompetency and continuous misleading information.
06/23/2017 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Banking errors
  • PA
  • 17112
Web Servicemember
At approximately XXXX on Wednesday, XX/XX/2017 I went to the BB & T bank branch located at XXXX XXXX XXXX , XXXX , PA XXXX ( XXXX ) in order to cash six ( 6 ) XXXX ( {$1000.00} ) EE savings bonds I had been given due to the recent XXXX of my wife. I went to that particular BB & T branch because the organization I am XXXX and XXXX XXXX of has a business account with them and I trusted them. When the next available teller was ready, a male, I came to his window and proceeded to take the necessary steps to cash the bonds which took some time. When the total amount of the bonds was determined ( {$3800.00} ) the teller apparently did not have the entire amount in his drawer and asked his female co-worker, a teller working the window to his left, for assistance after which she went to the banks vault to get the necessary funds. After approximately five minutes the female teller came out of the vault with money in her hand that was divided up into four stacks with a wrapper around each ; these included three stacks of XXXX XXXX bills and one stack of XXXX XXXX bills. The male teller then assembled what I thought was the entire amount of money and began counting to himself using the bundled stacks as follows : {$1000.00}, {$2000.00}, etc. This counting included using the bundled stack of XXXX XXXX bills to make up XXXX XXXX XXXX ( so I thought ). At no time do I recall the male teller taking any money out of the wrappers and counting each of the bills separately, he just used each stack to equal what he thought was the correct amount ( i.e. each stack of XXXX XXXX XXXX bills he counted as XXXX XXXX XXXX ). The male teller then counted the money out again using the same technique of the bundled money he had used previously, {$1000.00}, {$2000.00} etc. When he came to the wrapped XXXX XXXX bills he included those as XXXX XXXX XXXX without counting them separately and then proceeded to count out the remaining non-wrapped bills to equal the amount of {$3800.00}. After he was done counting he produced an empty envelope and gave it to me along with the money while at the same time giving me a printed record for the IRS which included the interest paid. I then placed the money in the envelope in front of the male teller and took the envelope containing the money to my car after which I immediately proceeded to one of my normal financial institutions, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, PA XXXX ( XXXX ) -XXXX ) which was less than one ( 1 ) mile down the road to make a deposit. After walking into XXXX XXXX I proceeded to a female tellers window ( her name is XXXX ) and after removing the money from the envelope gave it to her to count. After counting out the three wrapped XXXX XXXX bill stacks with each XXXXXXXX XXXX XXXX bill being counted separately, she moved to the wrapped XXXX XXXX stack and stopped counting to tell me that there was, in fact, only XXXX XXXX XXXX bills in the stack which equated XXXX XXXX XXXX XXXX dollars as opposed to the XXXX XXXX XXXX it should have contained. At this point I asked XXXX what I should do and she said I should immediately proceed back to BB & T to let them know what happened ; I did that without hesitation. After walking into the BB & T I proceed to the same male tellers window I originally dealt with to tell him what happened. He then told me to please sit down and he notified an on-duty supervisor ( XXXX ) who came out to speak with me. I explained the situation to her after which she told me to stay seated and she would do what she could to determine what happened. It was at this point the male teller and XXXX did a drawer audit after which XXXX came back to tell me that the drawer checked out, its not short and that she would explain things to a higher level manager and I should receive a phone call from that person on Thursday, XX/XX/XXXX, or directly from herself ( XXXX ), on Friday, XX/XX/XXXX ( I received no phone calls on either day ). Since I hadnt received a phone call on Thursday or Friday I came back into the bank at approximately XXXX on Friday, XX/XX/XXXX, to let someone know that I hadnt been called and I was not pleased with the overall situation. At that time the female teller who took the money out of the vault on XX/XX/XXXX took my name and phone number and told me somebody would call me ( I then left the bank ). On Saturday, XX/XX/XXXX, I received a telephone call from XXXX, who explained that everything checked out and that I would not be given {$250.00} or any part thereof since it was your ( my ) responsibility to ensure the money you received was correct. I attempted to explain that the wrapped money the male teller received was from the vault and not from his drawer after which XXXX responded something to the effect, that doesnt matter, it wouldnt affect the transaction and then proceeded to tell me again that it was my responsibility for not ensuring the total of the money I was given was correct. I explained that I immediately went to the Credit Union after receiving the money without stopping anywhere and there was no money laying in my car when I went into the credit union. I asked what could have happened to the XXXX XXXX XXXX XXXX XXXX I was missing if the mistake wasnt BB & Ts and XXXX answered, I dont know. Since I felt I wasnt getting any consideration even though my organization was a business customer of BB & T I felt it best to thank XXXX and tell her to have a good day and then ended the call. To date I have not received any additional contact from a representative of BB & T nor a letter of explanation. At this point I would just like to receive the XXXX XXXXXXXX XXXX XXXXXXXX XXXX that I feel I am owed since I trusted BB & T to treat me as a valued customer given the fact that the organization I am XXXX and XXXX XXXX for has been a loyal customer of BB & T for over one year. I am willing to sign any affidavits or necessary forms attesting to my statements. Thank you.
04/26/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • VA
  • 22153
Web
What is the complaint about? Several unauthorized transactions have occurred on my BB & T bank account without my consent. These issues have not been resolved. The central problem arose when BB & T Branch Banker XXXX XXXX XXXX recommended I place a stop payment on my XXXX XXXX XXXX because he believed my regular payment was sent from XXXX XXXX XXXX to BB & T Bank. What type of problems are you having? My account has experienced excessive interest, unjust charges, and various loan account penalties unnecessarily. Additionally, the BB & T Collections department has been repeatedly demanding that I make a double payment as a result of errors they caused. What happened? XX/XX/2019 Autopay in the amount of {$1000.00} was withdrawn from my BB & T account, as usual. XX/XX/2019 I, XXXX XXXX, visited the local BB & T bank to request a deferment. The BB & T Branch representative, XXXX XXXX, informed me that I needed to place a stop payment on the account from the bank where payment was mailed. Therefore, I left BB & T and drove across the street to XXXX XXXX XXXX to place a stop payment. At XXXX XXXX XXXX, I confirmed that BB & T withdraws my regular payment. XXXX XXXX does not mail my regular payments to BB & T. As a result, I placed a one-month stop payment to prevent BB & T from pulling my regular payment. XX/XX/2019 I drove to a local BB & T branch in XXXX, Virginia to sign and fax deferment papers. XX/XX/2019 I returned to the BB & T branch in XXXX XXXX, VA to make the minimum deferment payment, which I assumed went to cover accrued interest on the BB & T loan. XX/XX/2019 After submitting my deferment request, making the minimum required payment, and placing a stop payment from automatic BB & T payment withdrawal, I receive an unexpected late charge. Therefore, I visited a local BB & T branch in XXXX, VA to get the late charge waved because I followed all the deferment processes for deferment approval. XXXX In my BB & T loan app , my automatic payment in the amount of {$1000.00} was withdrawn, but my loan balance was higher by a few thousand dollars. I did not address the issues because I figured that there must me a payment due date error. XX/XX/2019 My BB & T regular loan payment still shows as posted. No withdrawal in the amount of {$1000.00} came from my XXXX XXXX XXXX account to my BB & T loan. Therefore, I visited my local XXXX XXXX XXXX and was informed that my stop payment request in XX/XX/2019 was permanent. As a result, I asked the XXXX XXXX representative to remove the stop payment. The XXXX representative told me that he would just delete my stop payment. Great! I left XXXX to go to BB & T to inform the BB & T representative to process my payment because of the release, but do NOT withdraw the XX/XX/2019 payment for which the stop payment was originally encouraged for me to place. When he looked at my account, he had to call the BB & T Collections Department. I had to speak with the BB & T Collections Manager names XXXX XXXX. XXXX told me the following : o I needed to make two regular payments because I owe money for XX/XX/2019 and XX/XX/2019. Yes, I owed BB & T a regular loan payment in the amount of {$1000.00} for XX/XX/2019 and that my current account has the payment on hold because of a stop payment. The stop payment has been released ; therefore, it could be processed. o XXXX then proceeds to tell me that BB & T credited my account in the amount of a regular payment of {$1000.00} on XX/XX/2019. To retrieve that amount back, BB & T withdrew that amount from my loan account payment on XX/XX/2019. At the time, while seated in the BB & T branch in front of Sri, I immediately check my BB & T to confirm the accuracy of the credit amount. I confirmed late that evening that not only did these unauthorized transactions occur on my account, but also there were several {$25.00} charges to my account because of BB & T payment reversals, again, without my consent and knowledge. XX/XX/2019 BB & T removed my XX/XX/2019 and gave me a late charge, despite me going to a local branch and telling the BB & T Collections Department that they could take only one payment from me until this issue is resolved. They did not take any. Also, I was informed by BB & T Collections that I gave authorization on XX/XX/2019 via a phone call from XXXX that I authorized a regular payment to be credited to my XXXX XXXX XXXX account, which is why she debited my XX/XX/2019 payment. I have not recollection of this call. If what she says is true, then there would be call recording that would serve as evidence of my consent. XX/XX/2019 Since I am working from home today, I visited the BB & T Bank Branch, XXXX XXXX XXXX, XXXX, VA XXXX location. Market Leader XXXX XXXX XXXX helped me understand the problems on my account ; she is trying to help remove all charges and fees since XX/XX/2019. And, she is trying to get the two cash payments of {$1000.00} backdated to XX/XX/2019 and XX/XX/2019. Even if my account is correct, I have physical spent several hours during work hours trying to correct the problems that arose from this Bank. I have been repeatedly called from BB & T Collections Department that have demanded I make a double payment without acknowledging error on their part. Lastly, I have witnessed my loan account with BB & T go delinquent with all types of charges without penalty to them for what they caused. Although these matters have not been resolved, if they are not resolved satisfactorily, I will either have to contact BB & T Auditors / Audit Department or pursue Legal resolution, which I do not want to take the time, money and energy to do. What company is the complaint about? BB & T Bank Who are the people involved? XXXX XXXX, Branch Banking & Trust ( BB & T ) Collections Department XXXX , BB & T Collections Department XXXX XXXX , BB & T, XXXX XXXX XXXX , XXXX XXXX, XXXX, Virginia XXXX XXXX XXXX, BB & T, XXXX XXXX XXXX, XXXX, Virginia XXXX
06/01/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • SC
  • 29045
Web Servicemember
On XX/XX/XXXX my wife was seriously injured in a XXXX XXXX in XXXX SC. She suffered a XXXX and multiple other injuries and spent 42 days in a XXXX XXXX company and a total of 115 days in 3 different hospitals. She was released in my care on XX/XX/XXXX and I had to shut down my business in order to provide her with 24 hour a day at home care. In order to do this my plan was simple, using the equity in my home ( {$100000.00} ) along with my credit score of XXXX I could buy a substantial amount of time to take care of her without financially destroying ourselves. In XX/XX/XXXX I contacted BB & T which I have 2 auto loans with to arrange for a 2 month deferment on each. This took about 2 weeks of time to finally get done. By the time it finally was approved I was already 30 days late on my payments and by the time it was processed from one department to another took weeks. The deferment months were XX/XX/XXXX & XX/XX/XXXX. At this time I now had my wife at home to take care of, and XXXX XXXX years old that just started high school and I had absolutely no other family members that could provide assistance. At the end of XX/XX/XXXXI went on line and checked my account to make sure I did not get behind, because if I did, I did not have the financial ability to catch back up. My end of month statement ( the right hand side ) is what I always referred to because it showed if you are late on payments, how many days, how much, etc. This statement showed that my current charges due were for the month of XX/XX/XXXX. So I paid {$420.00} on one account and {$700.00} on the other, since I had the money then, to take care of most of the upcoming bills. Around the XX/XX/XXXX I went on line to check what amount I owed for XX/XX/XXXX, to make sure i didnt end up 30 days late, In doing so I quickly noticed there was no documented payment of my {$1100.00}. Thats when I noticed the information on the right side of the statement did not match what was on the left side and the current amount due was in the thousands. I contacted BB & T repeatedly trying to find out where the {$1100.00} went with no answer ever given I ended up filing a complaint with the XXXX and in XX/XX/XXXX they finally admitted the statements were wrong and they were diligently working to fix the problem..Of course by now I had no clue of what I actually owed on what account and if you looked at the right side, as I always did for previous years, nothing on the left side matched anything on the right and every month was reported as missed payments. about 10 of them since XX/XX/XXXX. Their inability to account for my {$1100.00} and to produce a correct statement, did exactly what I was trying to prevent. By XX/XX/XXXX in an attempt to stop the total destruction of my credit, at their suggestion, I put in for a loan modification on both vehicles to lower the payments to something I could catch up with. After being led to believe they could and would do this to help out, it came back denied because they said my income was too low. That was the exact reason we were doing it and once again after being led down a dead end path of recovering from their XXXX up, I was that much more behind and had to put in for a second deferment for XX/XX/XXXX and XX/XX/XXXX and in accordance with the numbers provided by their reps sent in a payment at the beginning of XX/XX/XXXX that took care of everything owed prior to the deferred months of XX/XX/XXXX and XX/XX/XXXX. Now I could at least be back on track and stop the continued slamming of my credit. Wrong, the reps I had providing me with numbers were using the same incorrect amounts on the right side of the statements and money I was told that I overpaid to finish off XX/XX/XXXXdue amounts and would be credited to XX/XX/XXXX payment never happened and was all used up in what now I found out was more money owed prior to the XX/XX/XXXX and XX/XX/XXXX deferment. So once again I was right back in the same situation and their inability to correct statements had destroyed my credit. So here we have a multi billion dollar corporation that since XX/XX/XXXX does not have the ability to provide me with a correct statement and inso totally destroys my credit history. This was totally magnified by the fact that XXXX XXXX company took until XX/XX/XXXX to pay a total loss claim that started on XX/XX/XXXX that I could not get anyone to get the ball rolling because XXXX at the same time as BB & t was hitting me with missed payments as well for every month and when I contacted XXXX I got a complete run around and they blamed XXXX for the delay. I now have in my possession a letter from XXXX stating they had no part in the delay. By the time I went to do my refinance to get the money I needed to take care of my injured wife that suffers from XXXX XXXX and XXXX, my credit had bee so destroyed that it had fallen below 600 and I could do nothing. In total about 25 missed payments, that were on BB & Ts accounts, late do to all the confusion and the fact I did not have thousands of dollars to catch up with their mistakes and with XXXX which i did not have the money to make payments on a motorcycle that destroyed over 7 months ago. These two corporations totally destroyed my financial future. So now I sit averaging 88 days late on my house payment to XXXX XXXX and around 60 days late on vehicles, with now XXXX who are Juniors that know credit wise I can no longer help with their college, and still have to provide around the clock care for my wife that hasnt even begun to get approved for social security XXXX because the IRS never gave her credit for 8 years that we filed joint tax returns. In this process, XXXX has violated every consumer right I had and XXXX released the title of the motorcycle to XXXX and they resold it which shows up being in another accident in XX/XX/XXXX and I never signed any paperwork and never approved of that motorcycle being a total loss.
06/25/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • MD
  • 20817
Web
I obtained a construction loan from XXXX XXXX in XX/XX/XXXX to construct a principal residence. Once the construction was completed the loan was to convert to a XXXX Arm at XXXX XXXX for the first 5 years and then no margin starting in year 6 or month 61, interest based solely on the index which was the 1 year XXXX rate. We had several issues with XXXX XXXX during the construction loan process. Due to those issues they agreed to a margin only loan after the initial 5 year period. All the details are in our loan modification dated XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX was acquired by BB & T Bank. Below is a timeline of events that transpired : 1. Received our first statement from BB & T in late XXXX that stated the XXXX XXXX interest rate was good through XX/XX/XXXX ( attached ) when in fact our original agreement/loan modification with XXXX XXXX clearly stated it was good through XX/XX/XXXX. This has been resolved and BB & T has corrected this issue. 2. BB & T had no record of the loan modification from XXXX XXXX which I provided to them and worked with XXXX XXXX to get it updated in their system. After several days of back and forth XXXX confirmed in an email dated XX/XX/XXXX XXXX XXXX that our interest rate of XXXX XXXX was good through XX/XX/XXXX and that our interest rate starting on month 61 or XX/XX/XXXX will be based on just the index ( 1 year XXXX ) as stated in the Loan Modification ( and amortization schedule ) agreement with XXXX XXXX margin. No mention of a rate minimum at any point. 3. XXXX I received a letter dated XX/XX/XXXX indicating that my rate starting on month 61 would be based on the index plus 2.75 % margin ( attached as BB & T Initial Adjustable Rate Notice ). I quickly contacted XXXX XXXX and she informed me that they could not honor the XXXX XXXX margin loan. I was finding this out almost 2 years later after being assured that the loan had been updated. BB & T made no attempt to notify me they would not honor the loan agreement in that 2 year period. 4. In XXXX of XXXX, I elevated the situation to XXXX XXXX, after a few months of verification and research she too assured me that the loan was based on just the XXXX rate with XXXX XXXX margin. In an email dated XX/XX/XXXX, XXXX PM she confirmed : Senior management has determined that your Arm Interest Rate Adjustment will calculate based on a margin of XXXX for the upcoming XX/XX/XXXX calculation with an adjusted payment date of XX/XX/XXXX, and all future Interest rate adjustments. This email is attached and makes no mention of a rate minimum. 5. In XXXX I received a formal letter from BB & TXXXX XXXX dated XX/XX/XXXX stating we have determined that your ARM Interest Rate Adjustments will calculate based on a margin of XXXX for the upcoming XX/XX/XXXX calculation with a payment date of XX/XX/XXXX, as well as subsequent Interest Rate adjustments. The letter is attached. Again no mention of a rate minimum. 6. Next, I received a BB & T Mortgage Adjustable Rate Notice dated XX/XX/XXXX stating that while my upcoming rate change will be based on the index with no margin, that there is a minimum interest rate for the life of the loan at XXXX XXXX. The letter is attached. I quickly called XXXX XXXX at BB & T and she told me there was a minimum of XXXX XXXX for the first interest rate change however that did not apply to the other rate changes. Again there is a misrepresentation of the agreement. Nowhere in the agreement does it state that there is a minimum interest rate for the life of the agreement. In addition, there is an amortization schedule on page 11 of the agreement that clearly details the mechanics of the agreement that was conveyed to me by XXXX XXXX. 7. Attached letter received XX/XX/XXXX indicating borrowers are deceased and the account has been updated. I emailed XXXX XXXX and others at BB & T to get a corrected letter that in fact my wife and I were not deceased. We never heard back. The bottom line here is there has been a complete mismanagement of our loan and time and time again I had to have things corrected. It started with the initial XXXX XXXX interest rate that was for the 5 year period. Once that was corrected and I sent them the fully executed XXXX XXXX from XXXX XXXX showing that this was a margin free loan starting on year 6 or month 61 ( as illustrated on page 11 ). The bank continued to send correspondence that was incorrect and inaccurate and then finally they sent a letter telling us we were deceased. Since XX/XX/XXXX XXXX month 61 or the start of year 6 ) I have been paying an interest rate of XXXX XXXX as a minimum rate just for year 6 as incorrectly stated by BB & T. This directly contradicts the Loan Modification from XXXX XXXX ( see page 11 ), an email from XXXX XXXX dated XX/XX/XXXX and an email from XXXX XXXX dated XX/XX/XXXX. Two separate senior mortgage experts from BB & T both stated that on month 61 my interest rate would be based on a XXXX XXXX margin and therefore just the XXXX rate which would have been XXXX XXXX. They both reviewed all loan documents and files which took months and they both sent me that in email as listed above. This needs to be corrected. My interest rate for year 6 needs to be adjusted to XXXX XXXX and I should be refunded the additional interest paid to the back with interest. While I understand there is a section of the loan that states a rate minimum in year 6, that was not the agreement as illustrated by the amortization schedule shown on page 11 of the Loan Modification. Also two senior officials at BB & T ( XXXX XXXX and XXXX XXXX ) both spent months reviewing the loan modification along with their respective teams and sent us assurance that on month 61 we would have interest based solely on the index with no margin or any rate minimum. Please help. All documentation is attached.
03/20/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • OH
  • 43220
Web
I opened a checking account with BB & T for my business online on XX/XX/2019 and I tried to open a savings account too for any overdraft issues but I had to visit a local branch to do that which it prompted me during the application that I can not choose to have overdraft protection since my account is not eligible due to not linking a savings account. Furthermore it asked if I wanted to opt in for overdraft coverage and I declined it. 3 days later I called and spoke to a representative who then connected me with her supervisor since they havent received my signature card yet to verify the deposit I was going to have withdrawn from my current bank to open the savings will go back to the account it came from and to make sure I was not opted in for overdraft coverage. The supervisor told me that I am not opted in and the money would be returned, which it was so I assumed the overdraft coverage was correct too. On XX/XX/19 there was an overdraft charge however, I didnt notice it and then on XX/XX/19 there were multiple charges, yet again I wasnt aware of it since I hadnt switched over to using that account as my main business checking and had only made a couple deposits and withdrawals. On XX/XX/19 a deposit for {$2200.00} was put into the account and I paid some bills with it and little did I know that BB & T had taken {$800.00} from the deposit on the XXXX in overdraft fees. I called and waited on hold a couple times, one time I was disconnected during a transfer and nobody called me back and the other time I was on hold for over an hour. I knew this was a mistake since I called and verified that I wanted no overdraft coverage so I never imagined there would be such an issue returning the fees. I had set up a couple items through BillPay in this account before these fees arose, there was a reoccurring payment that was sent out while my account was {$800.00} negative and returned which then started this process all over again, how it has spiraled into {$1200.00} in overdraft fees within a month is beyond me. Ive depostied {$3800.00} in the account, Ive had {$3400.00} in transactions from the account and yet I have some how accumulated over {$1200.00} in overdraft fees. I spoke with a representative named XXXX on XX/XX/XXXX who told me he sees I opted out of overdraft protection but by default I have overdraft review, when I explained to him that I specifically called in and stated there isnt supposed to be any type of overdraft coverage, including overdraft protection or review he said I opted out of those but not overdraft review decision, I explained that nowhere in my paperwork or on their website do I see that verbiage regarding my account and I asked to speak with a supervisor. He argued with me as to why I didnt need a supervisor for 40 mins after telling me that if I didnt have overdraft coverage, any time I used my card and it was declined I would be charged a {$37.00} fee for the decline. Finally he said he would transfer me and the call was disconnected again during the transfer to a supervisor. I call back and spend another hour on the phone talking to a supervisor named XXXX, who said he believes there is a error or glitch that didnt take the overdraft coverage off and the research dept is going to investigate this matter and get back with me. He assured me they would listen to the phone calls and review all the documents and computer logins during this investigation. At the end of the phone call I was satisfied knowing that a department was going to look into this and what I stated to them would be proven. I followed up after not hearing anything on XX/XX/XXXX and realizing they are still charging my account daily and the return checks were still going through creating more fees and XXXX advised me that it would take up to 30 days. I call again yesterday and talk to XXXX XXXX in Executive Dept. who told me that the case number XXXX gave her hasnt been pulled for review yet ( this was at XXXX XXXX est ) this morning at XXXX XXXX est I received a call from XXXX who said she was with the research dept and she looked into my case and they determined I owe the fees. When I advised XXXX there was no way she really researched my case since the file wasnt pulled yesterday at XXXX and the department she works in is only open from 8-5, how could she have really researched anything in 20 mins when Ive spent at least 10 hours on the phone being told different information. She refused to give me her last name, supervisors name or a rep id and hung up on me. This morning I spoke with XXXX XXXX, a supervisor over the executive dept. who never returned my calls and said she couldnt access her voicemail but would look into my account today. I explained to her that I am getting charged daily and asked her when I would hear back since this was supposed to be done a week ago and she laughed at me and said if you expect me to listen to 10 hours of calls then you will have to give me some time I responded that {$1200.00} in fees isnt really something I find funny or constantly being blown off every time I have called to resolve this, which has taken up 10 hours of my time this month and my contractors whos checks were returned because you guys have falsely accumulated {$1200.00} in fees definitely doesnt find this funny either. She quickly changed her tone and said she would follow up with me at the end of the day. The bank is closed and I never heard anything from her. Ive requested to have the fees reimbursed and after all of the phone calls, XXXX XXXX confirmed through email yesterday that my account is still opted in for overdraft coverage! Not one of 4 representatives or 3 supervisors has yet to correct my account to this very day.
11/08/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • TX
  • 76039
Web Servicemember
THIS COMPLAINT IS IN REGARD TO A CREDIT INQUIRY EXISTING ON MY XXXX CREDIT REPORT PASSED THE LEGAL REPORTING STATUTE OF TWO YEARS. THIS COMPLAINT IS AGAINST THE CREDITOR REGIONAL ACCEPTANCE THAT IS FURNISHING THIS OUTDATED INFORMATION TO XXXX. THIS COMPLAINT IS NOT AGAINST XXXX AT THIS TIME. This is a complaint arising under Sections 5 ( a ), 5 ( m ), 13 ( b ), and 16 ( a ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ), 45 ( m ) ( 1 ) ( A ), 53 ( b ), and 56 ( a ) ; the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681-1681x ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p, to obtain monetary civil penalties, a permanent injunction, restitution, disgorgement, and other equitable relief for the Defendants violations of the FCRA, the FDCPA, and Section 5 of the FTC Act. XXXX provides consumer personal credit reports to regional and national credit grantors, attempting to issue both commercial and consumer credit. XXXX regularly furnishes consumer credit reports to Creditors electronically. XXXX is an entity who regularly and in the ordinary course of business furnishes information to one or more Creditors about its transactions or experiences with its consumers. XXXX routinely receives complaints from consumers who claim they do not owe the debt or that an account is invalid or incorrect. In numerous instances, I have notified XXXX at the address specified for such disputes that XXXX is reporting inaccurate information concerning my consumer credit. As a victim of identity theft and the XXXX Data B reach I expect the information in my consumer report to be accurate and my disputes taken seriously. XXXX has continued to report inaccurate information to the Creditors even after receiving such notice and accompanying proof. In numerous instances, I have disputed the information appearing on my consumer credit report in writing to XXXX. XXXX receives most notices of disputes from a consumer in electronic format, through automated consumer dispute verification ( ACDV ) forms provided on XXXX website. Pursuant to Section 623 ( b ) ( 1 ) of the FCRA, XXXX, as a furnisher of information to the Creditors, is required to conduct an investigation of the disputed information upon receipt of a notice of dispute from a Consumer. For certain types of disputes, such as those where the consumer claims the account is not his or hers or belongs to someone with a similar name, it is XXXX s policy and practice only to compare the name, social security number, date of birth, and address in XXXX XXXX computer database with the information provided on ACDV forms. Where three of the four items match, XXXX will report to the Consumer that it has verified the information it furnished as accurate. It is XXXX XXXX policy that only after the consumer has alleged the same type of account inaccuracy more than four times will the matter become assigned to a supervisor to do further investigation. Because XXXX collects accounts that are often old, information in its computer files may not be accurate for a variety of reasons, including incorrect updating of addresses, errors in recording names and information, and problems with the original Creditors records. In disputes involving identity theft or fraud allegations, XXXX XXXX policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud, XXXX will verify the previously reported information without conducting any investigation prior to such verification. In numerous instances, despite written or oral notification from consumers disputing the accuracy or completeness of alleged debts, XXXX continued to furnish the information to the Creditors without communicating that the information was disputed by the consumer. Section 623 ( a ) of the FCRA describes the duties of furnishers to provide accurate information to Creditors. Section 623 ( a ) ( 1 ) ( B ) prohibits furnishers from providing information relating to a consumer to any Creditor if i. the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii. the information is, in fact, inaccurate. In numerous instances, I have contacted XXXX at the address specified by XXXX to dispute information furnished by XXXX to a Creditor and to notify XXXX that the information is inaccurate. In numerous instances, I have also provided information such as the consumers drivers license, social security number, and/or proof of residence to confirm my identity. The acts and practices alleged above constitute violations of Section 623 ( a ) ( 1 ) ( B ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Pursuant to Section 621 ( a ) ( 1 ) of the FCRA, 15 U.S.C. 1681s ( a ) ( 1 ), the acts and practices alleged above also constitute unfair or deceptive acts or practices in violation of Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ). REGIONAL ACCEPTANCE is also a furnisher of inaccurate credit information and is just as liable as XXXX. A recorded statement from XXXX states that REGIONAL ACCEPTANCE is the one responsible for removing this information from my credit report. As it currently stands XXXX nor REGIONAL ACCEPTANCE has not validated or verified the accuracy of this inquiry. They also failed to remove the inquiry from my credit report after the two year statute of limitation. The following outdated inquiries are being furnished by REGIONAL ACCEPTANCE and are being reported by XXXX. Inquiry Entry Date Legal Removal Date Inquiry listed as XX/XX/XXXX XX/XX/XXXX As of XX/XX/XXXX these inquires are still being reported.
06/04/2019 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • FL
  • XXXXX
Web
I own a small business providing various services to merchants, a small part of which includes a few XXXX. I applied for two business checking accounts online through BB & T and was approved on XX/XX/XXXX ( Case ID : XXXX-XXXX ). One was to be an operating account for ordinary income, expenses, and payroll. The other was dedicated for XXXX XXXX cash and settlements. I received an email confirmation of the accounts opening which stated that I would receive a signature card and corporate resolution in 7-10 business days to return by mail. The next day, XX/XX/XXXX, I withdrew the available balance from my existing outside accounts and deposited those cashiers checks totaling {$81000.00} into the new BB & T accounts with XXXX. After making the deposit, he told me the full amount would be held until XX/XX/XXXX because I was a new customer. I updated all my vendor and customer accounts to move ACH credits and bill payments to my BB & T accounts and began receiving deposits on XX/XX/XXXX. On Wed XX/XX/XXXX I called the branch and ordered cash from XXXX for a withdrawal from my XXXX account two days in advance. When I went to pick it up on Fri XX/XX/XXXX, XXXX told me they did not have my signature card on file ( I had just received it by mail the previous day ) and they were not able to print one for me to sign because they also needed a list of additional documents, which she obtained by calling a back office. She explained that my account was not fully open since I had done it online and I could not transact at the branch until they were submitted and reviewed, which should take 2-3 business days. I returned less than an hour later with the list of documents they required : -Signature card & corporate resolution -Articles of Incorporation -IRS declaration of EIN -3 months previous bank statements -recent tax return -XXXX processing agreement -List of XXXX locations I spent over an hour completing a detailed questionnaire regarding my business details with XXXX who was helping out from another branch and was unfamiliar with merchant services. She also scanned all my documents and emailed them to the back office for review. The person who received them said she would try to look at them the same day since I was already delayed in making the withdrawal that I needed that day to operate my business. On Tue XX/XX/XXXX I called and asked the branch manager, XXXX, if I could come in to make the withdrawal. He transferred me to XXXX who informed me that my account was unfortunately being closed. He had been instructed that I could come in for a cashier 's check that week and after that time a check would automatically be issued by mail. The next day, I switched all my billpay accounts and ACH deposits back to my previous bank and went in to withdraw my combined balance of {$88000.00}. After some hesitation and a phone call to a back office, I was told that the process had already been initiated and I would have to wait for checks to be sent my mail in 5 business days. I said this was unacceptable, considering I had already waited most of the month for the funds to become available to me in the first place. I had needed the cash I ordered the prior week and now had to wait another week to receive a check that would probably be held again by the other bank before I could make a withdrawal. I was given the same explanation that my account was never fully opened because I had done it online and there was no one else I could speak to in order to override the process and leave with a cashier 's check. However, XXXX in the back office did call me and said basically the same thing again. My account had been frozen so there was no way for me to take out my own money and I had to wait for a check. It has now been 25 days since I opened these accounts and BB & T has accepted nearly {$100000.00} of my money without allowing me access to any of it. My payroll debit and two checks have now been returned because the funds that were supposed to be replaced into my previous account could not be issued to me upon account closure. In addition, my normal business operations are disrupted because the funds needed to load the XXXX have been tied up for almost a month and I have no way to pay off my business credit cards, health insurance, payroll or taxes. The XXXX are a small part of my business and all XXXX activity was limited to one account for reconciliation purposes. Yet, the other account for ordinary business income and expenses unrelated to XXXX was also closed. I was given zero advance notice of the decision to close my accounts and no options that would allow me to keep them open. I have been in business for 15 years with no complaints and no instances of fraud at any of my XXXX. I was very transparent in my applications and specifically identified the business as a full-service XXXX provider which was one of the pre-coded options. I described my business operations in detail at the bank and provided supporting documents as needed. I know personally other private XXXX deployers who load their own XXXX from accounts at BB & T. I have also since learned that other ISOs of my XXXX processor bank at BB & T by meeting the condition of using the bank 's treasury services to deliver their cash rather making withdrawals at the branch. At no point did someone suggest to me that I needed or even could use these services in order to meet bank requirements for my account. The branch bankers I interacted with were friendly and tried to be helpful, my experience with BB & T has been a frustrating disaster that is costing me money and hurting my business.
03/28/2018 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • MD
  • 207XX
Web Servicemember
To whom it may concern : I am an XXXX XXXX XXXX XXXX XXXXr/ XXXX XXXX. I have been XXXX twice in the last 2 years, and just received notice that I am being XXXX again at the end of XXXX. About 7 months ago, I was moved my family ( wife and XXXX year old XXXX ) from XXXX, XXXX to XXXX, XXXX. My children have come to love the schools here, so my wife and I have made every effort to make establish a home here. We are currently renting in a community called XXXXXXXX XXXX in XXXX, XXXX. We love it here, and are in the process of buying a new home here. I previously used my VA loan to purchase our previous home in XXXX, XXXX. That loan was serviced by BB & T. As we began the home buying process in XXXX, we found that BB & T reported me late on my mortgage XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 30 days late ), and XX/XX/XXXX ( 60 days late ). In doing some research, the payments were made during the months noted on the credit report. However, due to an escrow change the payment amount sent was incorrect. During these months I was XXXX to a location overseas in service of my country. The payment of this loan was set on auto-pay for convenience as my wife very busy managing our life in my absence. This was my second XXXX in less than a year. She did not realize that there was an issue with the mortgage payment until XXXX. My wife was not listed on this account and when she called in XXXX to try and resolve this issue nobody would speak to her or give any information. Because I was out of the country trying to save lives, I was also unable to resolve the situation myself. Before I returned home, I was notified by my supervisors that I would be relocated to the state of XXXX. Our home was in a very desirable location. It was very nice and it sold in one day. We were in escrow and then closed on the house and the loan was paid in full. Now, we are several months out from these late payments, but these derogatory marks on our credit are hindering us from using our VA benefit to purchase another home for our family. Additionally, they have significantly reduced our credit scores, hindering us from obtaining other types of credit as well. To resolve this issue my wife and I have tried calling BB & T several times. I was then told we needed to submit a request in writing, and that removing the lates would be no issue. I overnighted the letter to BB & T on XX/XX/XXXX explaining exactly what I had over the phone. The first letter I received back was dated XX/XX/XXXX. This said they had received our correspondence and that they would provide a response within RESPA regulatory time frames. I tried calling to figure out what these time frames were, and BB & T would not provide me a response. I received a letter back from BB & T dated XX/XX/XXXX that stated " We have investigated your dispute and have determined that, based on the information provided and a review of our records, the account has been incorrectly reported. On XX/XX/XXXX we submitted an Automated Universal Data Form to the credit reporting agencies. The following reporting has been modified : XX/XX/XXXX through XX/XX/XXXX. '' On XX/XX/XXXX, our lender for the new loan we were trying to obtain re-pulled our credit to see if the lates had been removed. The lates dated from XX/XX/XXXX through XXXX of XXXX had been removed, but not the XX/XX/XXXX late or the XX/XX/XXXX late. The same day our lender pulled the new report, we received another letter in the mail from BB & T dated XX/XX/XXXX. This letter said the following : " We have determined based on the information you provided and a review of our records, your account has been incorrectly reported. Please be advised that on XX/XX/XXXX, we submitted an Automated Universal Data Form to the credit reporting agencies to modify the reporting of your account. The report has been updated to modify the marker we reported from XX/XX/XXXX to XX/XX/XXXX. The late markers reporting for XXXX, XXXX, and XX/XX/XXXX are correctly reporting. Therefore, we will not be removing these markers. Please be advised that it can take approximately 30 days for the change to reflect on your credit report. We apologize for any inconvenience this matter may have caused. Should you need any further assistance, please contact our Default Support Section Manager, XXXX XXXX, at XXXX. '' Yesterday, XX/XX/XXXX, I called XXXX XXXX to get an explanation. I have never had a late reporting in XXXX, and my home was sold in XXXX, so there is no possible way my mortgage could have been late for that month. I tried explaining this again, and she refused to provide an explanation, told me the lates would not be removed, and never to call again about this matter. These incorrect lates are hindering my ability to purchase my family a home before I am XXXX again with my VA eligibility. I am extrodinarily frustrated with BB & T, and feel that any process ( such as disputing the lates through the credit agencies ) would simply result in the same thing all over again. I would like to spend my time before getting XXXX again with my family, not fighting the credit bureaus. Any help with this situation would be greatly appreciated!! Thank you, XXXX XXXX XXXX XXXX
06/15/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • AZ
  • XXXXX
Web
I received an answer from BB & T Bank DBA XXXX XXXX XXXX to my complaint ( see it below ) that is NO WAY addresses my allegations ( see attached ). To be clear, my complaint is being made to the CFPB and state attorneys general alleging violations of Section 5 of the Federal Trade Commission Act, 15 USC 45 ( a ) ( 1 ) Unfair or Deceptive Acts or Practices ( UDAP ) and Dodd-Frank Act, Title X, Subtitle C, Sec. 1036 ; PL 111-203 ( XX/XX/2010 ), Unfair, Deceptive or Abusive Acts or Practices ( UDAAP ) along with similar state laws and those covering fraud by failure to disclose. BB & T is intentionally avoiding addressing my issue due to the tremendous potential financial liability the company has should this become an individual or class action lawsuit. I believe my original complaint was clear, but to further clarify, I allege : -Incomplete disclosure : Not advising customers that if they take one or more extensions, the likelihood is they will never be able to pay off their auto loan. It is not reasonable for the average consumer to understand simple interest calculations, especially when they are told the payment is being moved to the end of the loan. - XXXX XXXX XXXX representatives often encourage consumers they take the aforementioned extensions. -Although disclosures around extensions do, in some cases ( this a fairly recent change, possibly due to my earlier complaints to XXXX XXXX XXXX ), mention that interest will continue to accrue, however, since XXXX XXXX XXXX provides mostly very high interest rate loans, the average consumer can not be expected to know that this may result in never being able to pay the vehicle off. Should it be necessary for me to file a lawsuit, or if a class action lawsuit is filed after discovery and depositions - the following will be found : - XXXX XXXX XXXX makes high interest automobile loans bordering on predatory - that are likely to require consumers to be offered extensions because these are riskier loans. - XXXX XXXX XXXX representatives encourage customers take loan extensions. - The verbal disclosures provided by XXXX XXXX XXXX representative over the past five years ( they have changed over that period of time ) are not sufficient for customers to understand the possible consequences ( never being able to pay off their vehicle ) and make an informed decision. - This issue is systemic. I am asking for help to put an end to this predatory, systemic practice by BB & T Bank and help me received appropriate damages. ============================================================================ I have been trying to find help with a situation that affects me and many others ( per posting on the web and CFPB complaints ) I am beginning to feel that if the business practices I will describe we was directed to one of the big banks, I would be getting all the help I need as there would be big media attention, etc. BB & T is a good size XXXX XXXX. I really wish someone would contact me by phone so I could explain in a more understandable manner but I will do my best nonetheless. I am basing my complaint on what I believe is an accurate legal description of fraud ( A statement need not be affirmative to be fraudulent. When a person has a duty to speak, silence may be treated as a false statement. This can arise if a party who has knowledge of a fact fails to disclose it to another party who is justified in assuming its nonexistence. ). SUMMARY : In three full years since I took out an auto loan with XXXX XXXX XXXX ( XXXX ), I have made a total of {$13000.00} worth of payments and yet my balance has only decreased {$840.00}. WHAT IS THE CAUSE? If someone is behind on their payments, XXXX will solicit one to accept a payment deferment. They explain the payment will be tacked on to the end of the loan. The result is that the deferred payments continue to accrue interest. The result of this, which is NOT explained, is that there is virtually no chance of a consumer ever paying their car off unless they are able to come up with a huge lump sum payment. This leaves the consumer extorted, either borrow more money to pay off the car or have your credit ruined. I OTHER INFO : There are multiple complaints against XXXX online from consumers ( including the CFPB website ) experiencing the exact same scenario I find myself in. I ONLY find this situation with RAC. In addition, two of XXXX 's phone representatives have told me this is a systemic issue with XXXX and that they don't care because it makes them the majority of their profit. This may explain why they are so anxious to push loan extensions on consumers. XXXX 's disclosures not go into more detail than they did when I did my early loan extensions. Even so, they STILL do not adequately advise consumers that they likely will not be able to ever pay off their automobile, especially if they have more than one extension. CC : Office of United States Senator XXXX XXXX, The Office of US Representative XXXX XXXX, The North Carolina Department of Justice Office of the Attorney General and the Consumer Protection Financial Bureau.
08/03/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • MO
  • 63136
Web
I have been writing to get information about my automobile contract. The dealership is no longer in business and I do not have a copy of my contract it is lost. I have written to the CFO XXXX XXXX and spoke to him by phone inquiring about the validity of the contract. I have not had the contract verified by original " wet ink '' signature and hidden clauses dealing with GAAP policy. I want the booking entries to the contract given to see exactly what is going on with said contract. I request all booking entries on this contract and have been ignored on the information that is requested. CONTRACT NOT VERIFIABLE. I would like to know Who funded the bank loan check, borrower or XXXX XXXX XXXX affiliated with BB & T bank. I would like Mr. XXXX XXXX, CFO of XXXX XXXX XXXX to explain in written details the exchanging of my promissory note for " credits in what is known as " the borrower 's transaction account. '' I was NOT aware that XXXX XXXX XXXX during the transaction with the car dealership who is now out of business took the bank deposits the promissory note and then used my money to make a automobile loan back to me for 72 months with interest. I believe that the bank should return this money to me as a return of my loan or deposit to the bank. They received it for free and should return it. They advertised that they would loan me money while at the dealership when shopping around for a car loan. That implies they loaned me their money. They gave me one check for the earlier deposit. I figure that was a return of my original capital. XXXX XXXX called this a 72 month loan, but I never received a loan of actual cash value from the bank in order for the bank to obtain the promissory note. If XXXX XXXX XXXX want me to pay them back, I believe they should either loan me the money to fund the bank loan check or return the loan from me to the bank. In either case, the bank loan is canceled. No rights can be acquired by fraud. I have tried to remedy this matter with the CFO XXXX XXXX on several occasions with no recourse. I have spoken to Consumer Rights legal counsels. I am reminded the bank advertised a loan via the car dealership I purchased the vehicle through. The written contract agreement the XXXX XXXX XXXX wrote said interest, which is defined for the use of borrowed money. It did not say exchange and charge as if there was a loan. It did not say I was the lender, depositor, or exchanger. The bank advertised, wrote the agreement, and wrote the bookkeeping entries proving their intent. I have been writing to XXXX XXXX, CFO to prove that I am wrong? To prove I am wrong, the CFO must prove the Federal Reserve Bank publications are wrong. If the bank claims they loaned other depositors ' money, they must prove they violated the Federal Reserve Bank policies and procedures, which could land him and banking executives in jail. As I see it, I have been prohibited from seeking remedy and having my booking entries verified. If the bank claims that the promissory note was not loaned to the bank or deposited, they must prove that the promissory note was given to them for free, stolen, converted, or that they violated the Federal Reserve Bank procedures. I have surveyed various borrowers I talked to and I have done my research on Consumer review boards concerning XXXX XXXX XXXX. No borrowers knew they gave the bank actual cash value in the amount of the loan for free and that the bank returned it back as a loan. The Constitution gave us the right to contract, making the written agreement the highest law under UCC. Congress can not change the agreement without violating the Constitution and public policy HJR 192 dealing with public and private debts. I am writing my complaint after speaking with ( 2 ) of XXXX XXXX XXXX Admins who work in their legal department known as XXXX XXXX, XXXX XXXX, and also the CFO XXXX XXXX on XX/XX/2018. I have written to the company about the possibility of alleged mail fraud, wire fraud ( calling me to pay ), fraudulent conversion, fraudulent concealment, fraudulent misrepresentation, false statements, embezzlement, promissory fraud, fraud in the inducement, fraud, forgery of the promissory note, forgery of the check withdrawing the funds from the borrower 's transaction account, extortion, white collar crime, deliberate deception, trick, breach of contract or agreement, defacto contract, insurance fraud ( to FDIC ), deceptive advertising, deceit, theft, larceny, slavery, attempt to suspend the Constitution through national bankruptcy, illegal lien, threat to bring fraud on the court to collect money, bad faith, filing forged documents at the county level, or any number of other crimes. I am simply seeking answers and to VALIDATE THE PROMISSORY NOTE with MY original wet ink signature. I have been a victim of identity theft listed in XXXX XXXX publication. I have reported this crime to all state and federal offices and their agents including the IRS, FTC, and state Attorney General. ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX
09/27/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • IL
  • 60654
Web
Problem is with BB & T Mortgage reporting negative information to ALL Credit bureaus. My mortgage every month is due by XXXX of every month but Im also aware I have time until XXXX of every month to pay my mortgage with BB & T Mortgage. On XXXX of XXXX XXXX, I have made a call to the customer service number of BB & T XXXX have informed them I have few unexpected medical incidents ( XXXX attack / anaphylaxis attack XXXX & almost had been charged {$3200.00} in deductible for ambulance & XXXX XXXX bills. The medical bills were unexpected & the hospital ended up charging me since Im responsible for my own deductible for the XXXX XXXX XXXX fees. When I have called in on XXXX of XXXX of XXXX, I have explained my situation to the BB & T associate that I have these unexpected medical bills fallen on me but I do also intend to pay my mortgage for that month XXXX & asked some time so I can keep my life back on track with all these bills. The purpose of the call was to let the associate know and find out if there are any internal payment arrangements or payment deferred plans, loan modification or mitigation options within BB & T so I could internally work with bank company and make some Internal arrangements to sort out all these unexpected bills & to agree on making a payment arrangement with BB & T and pay the mortgage for the month of XXXX. The BB & T associate has n't mentioned any of the knowledgeable options and only kept on mentioning that if I do n't make the payment within 30 days i.e ' by XXXX XXXX, I would be reported as 'Late ' to the credit bureaus.I 'm new to the mortgage verbiage & since the associate failed to mention any of these payment arrangement options I felt the only option available is 'I must make the payment by XXXX of XXXX ' & no other payment deferred plans available '. Because of this misinformation, I have then mentioned to BB & T associate I will try to make the payment by XXXX of the month but in case If payment is delayed by XXXX or 5 days, I requested not to report 'Late ' to the credit bureaus. The BB & T representative reviewed my account & mentioned I have never been late ; my account is in a good standing & said it is XXXX & I can go ahead & pay it off in next few days & gave a nod of the additional time I have asked. Accordingly, I have paid the payment that was due in XXXX ; I have paid the amount on XXXX of XXXX XXXX. The same day XXXX have been notified by my credit bureau via email that BB & T has flagged my account with negative / derogatory information with being 30 days late. I was not aware even for a second or anticipated BB & T would flag my account in this manner without my knowledge since I have called in on XXXX of XXXX seeking additional XXXX & also got the positive nod from the associate. Had I known this would happen, I would have made every attempt to make the payments on XXXX of XXXX itself so my credit would not be impacted in this way.Had the BB & T associate provided me guidance on all the payment options available, payment modifications available, payment deferments available within BB & T, entire situation could have been avoided. The BB & T associate failed to provide me all the options, it is due to the associate 's lack of knowledge today my credit is impacted in a very negative way with Late fee. Hence, It is purely BB & T 's associates lack of knowledge of all the payment plans available. I 'm disputing this flagging on my account & request you to clear my account since it is an error on BB & T end. I have spoken to BB & T XXXX XXXX department recently, I was surprised to learn there are so many internal payment deferment plans available that the associate failed to explain to me. I spent hours on phone calling credit bureaus & learned that my credit rating has been adversely affected because of all this & that Experian has reduced my points by XXXX points. I have never had a single late payment nor derogatory flag in last 33 years. I mean zero flagging on my accounts so far & this is the first negative flagging ever. I explained my situation to the BB & T XXXX XXXX they FAILED TO CORRECT MY CREDIT REPORT & AS BEING XXXX days late ' for XXXX XXXX XXXX BB & T several times to correct my report but they failed to do so. Experian said the request has to come from BB & T to correct negative information on report, only then they can correct my report. BB & T is not sending a request to bureaus to 'correct ' MY INFORMATION. I request you to please consider this request & ask BB & T to deflag the negative information or update OR remove the late fee payment flag from all credit bureaus. I will assure you this will not be the case of late payments moving forward. please contact BB & T seeking them to update or correct my late fee reported to credit bureaus since it is an error on BB & T 's associate end, they failed to provide me all the options, it is due to the associate 's lack of knowledge that my credit is impacted & need to be corrected. XXXX of XXXX payment needs to be corrected.
06/23/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Incorrect information on your report
  • Account status incorrect
  • MD
  • 21042
Web Servicemember
A little more than 10 years ago, we had a loan with BB & T that was used to purchase a lot of land in a community in North Carolina for my husband and I to hopefully retire to one day. It turned out those loans that BB & T originated for this community ( XXXX at XXXX XXXX ) were the subject of several class action lawsuits against the bank, the developer and the appraisers involved for colluding to inflate values so they could sell lots and get loans. As mentioned earlier, I had the loan in question for over 10 years and had paid religiously on it and have always had spectacular credit. My husband and I got to the point where we could no longer afford to make payments on a piece of property we bought for {$150000.00}, that 10 years later was assessed at {$15000.00}! It was either try and save for retirement and kids college or continue making payments on a fraudulent loan for a property that would never be worth anything. So we decided try and negotiate some sort of settlement with BB & T, because we heard from other property owners as well as legal counsel that BB & T has been doing that for these particular loans. When we talked to someone in their customer service about it, we were told that we would not even be able to start the process of negotiating with their Loan Recovery team unless and until we were delinquent. This was also confirmed by our legal counsel down in NC. So, in order to " trigger '' this process with BB & T, we did not make our XX/XX/XXXX mortgage payment. After XX/XX/XXXX of that month, we started to get collection calls, at which time we advised them that we would not be able to continue making the mortgage payments and that we would like to speak to someone in their Recovery Team to negotiate the terms/balance of the loan. Sometime in XX/XX/XXXX or XX/XX/XXXX, after several more of the same calls from their collections people, we were told that someone from their Recovery team would be contacting us to begin the process of negotiating. Our assumption based on that was that someone on the Recovery side was now working on our situation. It took BB & T 2 more full months until we finally heard from someone on their Recovery Team ( we were actually just recently informed that their Recovery team had picked up our file on XX/XX/XXXX ). We were finally able to successfully negotiate with BB & T on the balance of the loan, only to find out that during that time that we had thought we were in a negotiation with BB & T, they had reported me late on the mortgage, not once or twice, but 3 times!!. So, my once stellar credit has taken a severe hit with a 30, 60 and 90 day late mortgage payment reporting from BB & T. I completely understand having been reported for the 30-day late, because after missing the first payment, it is only normal for that reporting to happen, but after having had conversation with them since then and letting them know the situation and being told we would be contacted by the Recovery Team, I am thoroughly confused as to why BB & T would continue reporting to the credit bureaus. We believed based on all correspondence with BB & T that we were in a negotiation cycle with them that would have begun sometime in XX/XX/XXXX. So basically BB & T sat on our file for a couple more months and did nothing with it, but yet continued to report me as being delinquent. Truly frustrating and now because of this, I am unable to refinance my house or do anything from a credit qualification perspective because of this. I tried contacting BB & T to resolve this on my own. I reached out to XXXX XXXX, one of the VPs that had done a loan modification for us some time back, but she was unable to help but our email was picked up by XXXX `` XXXX '' XXXX, who put us in contact with XXXX XXXX in the Complaints Resolution department. XXXX did the obligatory information gathering and listened to our complaint, but did nothing in the way of resolving it or making things right. I had to escalate the matter higher and finally was contacted by XXXX XXXX XXXX, Complaint Resolution Manager, VP at BB & T. We got about as far with XXXX XXXX as with the previous folks, which was no amicable resolution at all. The last we heard from XXXX XXXX, she informed us that our issue response currently has a due date of no later than XX/XX/XXXX, and is being handled by a manager within Special Assets. 5 days later, we got a letter from a XXXX XXXX XXXX with BB & T Special Assets basically telling us " you were late, BB & T is in the right, case closed ''. They completely overlooked the whole customer confusion scenario that was created by the lack of any sort of standardized process in dealing with these situations. Bottom line, I do n't think it 's fair for BB & T to be able to treat customers this way and do business in this very ambiguous manner and then leave the customer to clean up the mess that the bank has made of my credit because of the sheer lack of communication about what to expect and what to do about it.
07/13/2018 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Trouble during payment process
  • TX
  • 79706
Web
We applied and were approved for our 2nd Heloc account at BB & T in XXXX, TX on XXXX. We were told the balance of the 1st Heloc would be rolled into the new account. The associate who handled everything has had multiple issues : 1. She said that there wouldn't be a formal appraisal of our home only a " desk top appraisal '' using internet information regarding recent sales in our location and perhaps a " drive-by ''. 2. We were told this procedure would be done in aprox. 3 weeks ( due to our history with BB & T etc. ) 3. After waiting for a closing date, we received notification that the hold-up was for a formal appraisal-which is taking awhile in our area due to volume of sales. 4. Once we were finally scheduled to close on XXXX we were told the funds would be available in 2-3 business days. The purpose of this entire transaction was to purchase land. We had to reschedule our original closing date to allow more time for our BB & T closing to be completed & funded. We delayed the closing on the land til XXXX, allowing a week to fund. 5. I was emailing the banker, the customer service link on the BB & T website, and contacting another banker with BB & T who had been transferred to XXXX XXXX to get a response as to WHY and when this loan would fund? Finally, on Friday, XXXX the XXXX banker phoned me to say that the local bank would '' advance '' me enough to close on our land deal. She said that the delay was due to an error she had in sending the closing paperwork via internet and also 6. She failed to collect a payment from us for {$1000.00}. I had to drive to the branch to pay this amount before I could get the " advance ''. She said that I couldn't transfer the funds to pay this online- HAD to come into the branch. So, after all the delays in funding I thought perhaps all the glitches were done. WRONG It got worse. I was told the old Heloc would disappear online, and it did. When the new Heloc was online it showed an available balance that I knew didn't include my old balance. I started calling, emailing etc. and this Bank doesn't have people to speak to- you get push 1 for. push 2 for ... and only to end at a point that there is " No such account '' or a balance that is NOT correct. I was told by customer service online to go to a local branch. Which I did several times. I constantly logged onto my accounts to see if anything I was emailing this bank was being addressed. I left my XXXX home to attend to a family member with medical issues for over 2 months and did all of my payments online. I made a {$1000.00}. payment on my new account ( believing it was my ONLY heloc account ) which exceeded what was normally due on my old Heloc. Then one afternoon I received a " Collection '' phone call from BB & T that my Heloc payment was past due! I told her that I was away from home and that the old Heloc had disappeared online and should've been closed since I closed on a new one at the beginning of XXXX? So I immediately made a 2nd mortgage payment in the month of XXXX to avoid having late payments on my credit. Now, along comes XXXX and I get a statement that says my monthly payment due on XXXX for the new Heloc is {$2200.00}! Which I began calling, emailing and trying to get taken care of when my husband brought me our mail in XXXX. My major complaints are that when this bank makes a mistake you can't find a single department, person or banker who has either the time or knowledge to help you. Even if it's the BANK 'S MISTAKE. I have scheduled appointments with TWO bankers and both of them weren't even at the branch at the scheduled time or place! I have gone into the XXXX XXXX. BB & T 3 times this week alone to try to get this entire Heloc straightened out. The poor associate that usually has to come over to tell me the banker I need to see isn't there is brutally honest : " No one here knows how to help you! '' I'm certain that there are laws to protect me from such incompetence. If they can't even get the 2 accounts combined, or explain WHY my monthly payment that prior to the new loan only required interest payments, has sky-rocketed to me making {$1700.00} XXXX payment and {$2200.00} XXXX payment. Why would I trust that the correct interest has been charged on these loans? Perhaps that is their intention-to keep the old balance at a higher interest rate for as long as possible? Is this how people loose their homes to foreclosure-the bank uses these Heloc accounts to lure us in to borrow against our equity and then they start sending statements for these absurd payment amounts? It's fortunate for us that I was financially able to make {$4000.00} in payments when I normally only pay {$1000.00}. ( which is normally 2/3 to my principle )! This really makes me fearful to complete the very project that I did the Heloc in the first place. If I can't get this resolved immediately I will probably need to apply with an entirely different lender to get away from BB & T.
08/14/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • PA
  • 182XX
Web Servicemember
I want to be clear on this information. In XXXX XXXX and XXXX XXXX were losing their home. My wife and I XXXX XXXX XXXX and XXXX XXXX XXXX paid up their mortgage and quit claimed the deed into XXXX XXXX, XXXX and XXXX XXXX XXXX name. The mortgage is in XXXX and XXXX XXXX 's name and the deed is in XXXX XXXX and XXXX XXXX XXXX. The original bank that serviced the loan was XXXX XXXX XXXX.. For 7 years my wife and I had no problems. Then BB & TN Bank took over and have sent letters that they are going to foreclose because the mortgage is in XXXX and XXXX XXXX 's name and the deed is in XXXX XXXX and XXXX XXXX XXXX. BB & T are claiming that XXXX XXXX guild lines are causing them to foreclose. I spoke to XXXX XXXX twice. XX/XX/XXXX with XXXX ID # XXXX and on XX/XX/XXXX with XXXX XXXX Option 3 and her extension is XXXX. Both times XXXX XXXX informed me that the mortgage is caught up and they are not foreclosing or asking BB & T to foreclose. XXXX XXXX ask me if I had a lot of equity. I have about 150,000,00 worth of equity. XXXX XXXX informed me that BB & T are foreclosing because all of the equity in our house. We have put a new roof, 36 new windows, new kitchen with granite counter tops, new heating system, new 80 gallon hot water heater,, new floors. We have put over 150,000,00 worth of improvements into the house in the last 7 years. When my wife and I did the transaction with the XXXX 's the mortgage balance was XXXX. The current balance is XXXX. We have for the last 7 years had XXXX worth of home owners replacement insurance on the house. We are not behind on anything, The mortgage is paid every month and the home owners insurance is always on the property. There is no reason for BB & T to foreclose on this property. BB & T just know that there is XXXX worth of equity and want to foreclose on the property.to make the money. I am in Chaper XXXX and can not obtain a mortgage. I make over 6 figures per year. However, I am in the 2nd year of a Chapter XXXX plan and can not get a mortgage or I would. My wife and I have listed the house for sale. No luck. We do not want to sell our beautiful home. But we are trying to stop BB & T from foreclosing and loosing the XXXX equity that we have in the property. I want to make sure you understand what is going on. We are not behind on any payments and have been paying the mortgage for 7 years and have maintained XXXX of replacement home owners insurance on the property, XXXX XXXX is not calling the mortgage due. BB & T is stating that the deed in my wife and My name and the mortgage is against XXXX XXXX 's guide lines. Which it is, However XXXX XXXX is not calling the mortgage due. BB & T is stating that it is XXXX XXXX. I am going to attach a letter from BB & T stating that they are starting foreclosure and to call their Attorney to find out the amount necessary to reinstate the loan. There is no monies due on the mortgage, BB & T is a thief and just want the XXXX equity we have in our house, The other thing is. The letters are addressed to XXXX and XXXX XXXX and sent to our address. BB & T know that the XXXX 's do not reside at the residence and have no idea that the bank is foreclosing on the loan. So I do not know how they can legally foreclose when the parties have not been notified, My wife and I have a XXXX and XXXX year old daughter. The duress this is causing our family. To loose our home and have our family in the streets and loose the XXXX that we have put into this house. I am XXXX and my wife is XXXX. We do not want to loose our house or our equity. Also BB & T says that they want proof that XXXX XXXX XXXX knows that the property was in my wife and my name. The day that we went to XXXX XXXX XXXX with XXXX XXXX. We gave XXXX XXXX XXXX a copy of the deed in the names of XXXX XXXX and XXXX XXXX XXXX, The monies the mortgage was behind, a letter from XXXX XXXX stating the house was in our name and we would be making the payments and that it was authorized for XXXX XXXX XXXX to talk to us about the mortgage when we went into the bank. BB & T says that they want proof. Well when BB & T purchased XXXX XXXX XXXX. They do not have the information from XXXX XXXX XXXX system. I can only get XXXX XXXX to testify in court for all the information that I have just giving to you. With all this writing. I do not want you to forget the reason that BB & T is saying that they are foreclosing. BB & T is saying that XXXX XXXX is calling the mortgage due and XXXX XXXX is not calling the mortgage due. We are not behind on the payments and have not been behind and we have maintained amble insurance on the property at all times. XXXX replacement cost on a XXXX loan. There is no reason except for greed on the banks part. The property address is XXXX XXXX XXXX XXXX, XXXX PA XXXX. The loan number is XXXX Please help us.
01/13/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • VA
  • 22033
Web
I opened a checking account at BB & T bank in response to a {$200.00} opening bonus offer : Open a new BB & T Bright Banking checking account by XX/XX/XXXX2019, and complete one of the following within 75 days of opening : Enroll in and receive 2 direct deposits of {$100.00} or more each Use U by BB & T bill pay to initiate 3 online payments of {$25.00} or more each fine-print conditions : Must be new account Use code XXXX or XXXX One per household New client XXXX XXXX XXXX I opened the account on XX/XX/XXXX19 at a BB & T branch with the help of branch banker XXXX XXXX, who entered all the data. I made clear that the auto-deposit would be from XXXX XXXX and it would be my very first check on XX/XX/XXXX19, so I did not know how long it would take them to change the auto-deposit to BB & T. I also offered to hand-deliver the first check to make sure we met the deadline. I was told that was not permissable - it had to come directly from the source. XXXX assured me that I had made their opening deadline so I should be fine and added they were flexible and would work with me. That was key, because the {$200.00} bonus was the only reason I opened the account in the first place. I got on the XXXX XXXX site and changed the deposit to my new BB & T account that same day ( XX/XX/XXXX ) hoping to make my first two deposits on XX/XX/XXXX and XX/XX/XXXX, because 75 days only gave me until XX/XX/XXXX19. However, the XXXX did not make the change until the following month, so my first two auto-deposits were on XX/XX/XXXX and XX/XX/XXXX. I did not hear anything more from the bank. I finally stopped in the branch in XXXX and asked XXXX about my bonus. She called the home office and then XXXX. They didn't know. She finally called me two days later only to tell me that I " did not qualify '' for the bonus because the two payments were not within the 75 day window. To be clear, XX/XX/XXXX19 was the XXXX day and my second auto-deposit was on XX/XX/XXXX19. Forget about " we're flexible - we'll work with you ''. Just simply " you did not qualify ''. After meeting all of their criteria, including the pre-qualification, the fine print and the two direct deposits, they simply avoided payment of the {$200.00} bonus with the small print XXXX wording : within 75 days of opening. I followed up with customer service to see if they would actually work with me as promised. Their response was that it was already reviewed and no. I want to underline a couple of things about this : a ) The purpose of the {$200.00} bonus is purportedly not just to get 2 direct deposits but to entice people to begin a " relationship '' with the bank. I opened the account with that intent and made more than enough direct deposits. b ) I did everything humanly possible to keep my end of the bargain and meet all of the criteria. In fact, I did do everything they asked and I don't believe there was any breach of contract on my part. c ) The bank knows very well that a client reliant on the government for the deposit has no control over the outcome or the timetable. d ) The 75 day window serves no purpose other than to make it impossible for people reliant on the government for their deposit to comply with the red tape. This apparently gives the bank a convenient loophole to avoid payment. I have actually followed up with them several times since, with calls to their customer service line and a letter to the home office, which is why this has dragged on for XXXX months. However, they have not even made a pretense of being helpful. They were amazingly hard-nosed about the whole thing, which made me more convinced that this is a lucrative XXXX for them and there are many more like me who have been taken in by this bogus offer. Under the circumstances, I feel as though I did meet their criteria - certainly the intent if not the actual deadline. The {$200.00} bonus is important to me, yet for the bank, it is a small price to pay for the steady stream of recurring deposits month after month. Apparently, a banking " relationship '' is not as important to BB & T as a {$200.00} bonus. With that said, this is a very misleading offer, and considering how hard-nosed the bank has been with the qualification minutiae, I have to question the integrity of BB & T bank. I have had similar offers over the years, and have never before had a bank refuse to give me the bonus! I am going to close this account for obvious reasons, but now that they have benefited from my steady stream of direct deposits, I still expect to receive this bonus. I would appreciate it if you could take a look at this situation and help persuade them to do what's fair and honest and pay me the bonus they owe me. Thanks in advance for your help and support.
05/21/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • FL
  • 33710
Web
My dilemma started when I, unfortunately, was running a little low on funds early last XX/XX/2019. I had made 5 swipes of my debit card for fairly minimal transactions between XX/XX/XXXX-XX/XX/XXXX - all of which cleared at the point of sale with sufficient funds to cover all of these transactions. I had an automatic debit scheduled for XXXX that was for around {$580.00} from XXXX that I couldnt stop. This, unfortunately, would be denied. I wasn't able to stop it in time and my payroll direct deposit was due to hit XX/XX/XXXX so I anticipated making it right and covering a single overdraft fee once paid two days later. What I didn't expect was for BBT to process the XXXX charge on XXXX then charge me overdraft fees for the 5 transactions swiped from XX/XX/XXXX-XX/XX/XXXX putting me in a terrible financial situation. BBT charged me {$180.00} from 5 overdrafts and processed the XXXX charge of {$580.00} leaving my account significantly overdrawn On XXXX a .XXXX auto debit came in from XXXX which again would have cleared but since the account was overdrawn that was another reason for BB & T to process another overdraft fee. So now there are 7 total overdraft fees of {$35.00} each and then BBT added two more additional returned item fees at this point - for the XXXX and XXXX charges in addition to the two overdraft fees charged for these same transaction totaling {$72.00} in fees for each the XXXX and XXXX charge. Now we are up to a grand total of 9 fees totaling {$320.00}. Again to be clear all 5 swipes made prior to the large charge coming through would have cleared AS WELL as the .XXXX XXXX charge - but since they decided to process the large transaction first even though it came in last they threw my account into chaos. My direct deposit did finally hit as scheduled on XX/XX/XXXX and I'm excited to finally try and get this resolved now that my payroll hit. Low and behold when I woke up I had an estimated {$550.00} remaining in my bank account after BB & T helped themselves to all of their fees. So I paid a car payment for {$540.00} and {$10.00} to tolls for my commute leaving {$5.00} in my account. Woke up the next day and I was in the hole again - which is when I had noticed BB & T double dipping the two more fees for the XXXX and XXXX charge but adding the returned items fees after already charging overdraft fees for the same transactions. At this point, I'm blown away and feel under attack. No explanation was given to me when called numerous times so I went to the branch in downtown XXXX in person on XX/XX/XXXX to discuss. I was just told by the manager on call at the time that I'm financially irresponsible and have to manage my money better. She was a nasty human and then proceeded to tell me how quick she could close out my account for me if I wanted. I kindly asked for her supervisor 's name and number and was given her card by another more polite human being. Now we are on Friday XX/XX/XXXX - wake up to two more overdraft charges for the car payment and XXXX tolls I had paid not expecting the double dipping which caused the last two charges! This is almost comical at this point. The senior representative from the bank did reply to my email from the night prior and took my call. She was pleasant and at least tried to provide me information as to why I'm in the hole that I'm in. She explained that transactions are NOT processed in date chronological order but couldn't provide me with an explanation as to why not. It's just the way the bank does it is all I was told and like the others tried selling me on some credit plan that is like a line of credit I could open to help protect from overdraft in the future. I mentioned I never in a million years would think transactions WERE NOT processed in date chronological order and that I never would have thought a transaction dated XXXX would take priority over 5 other transactions that were processed up to three days prior to via a debit card. I've since asked from her for a spreadsheet showing all of my transactions since XXXX or so ( which she offered ), any client disclosures or service agreements that I acknowledged when I set up my account that states how transactions are posted by BB & T, the specific transactions that triggered the last four overdraft fees from XX/XX/XXXX and XX/XX/XXXX, and lastly the name, title, and contact info for who is next in command so that I may reach out to them. I'm on my third request and have yet to hear from her or anybody else at the bank. Sorry for being long winded but I wanted to make sure I presented all the facts. 30 plus days later still nothing. Please reach out to me anytime - I look forward to hearing from you!
05/12/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • AL
  • 35173
Web
I called BB & T on XXXX XXXX XXXX when I was looking for a company that provided physician loan mortgages to graduating medical students. I had done a lot of research on physician loans, so I asked a few questions to make sure they offered the type of loan I was looking for. I told them I would get my Match Letter ( the legally binding job offer for residency ) on XXXX XXXX , but job contracts would not come out until months later, and I was sure to ask if a Match Letter be accepted in lieu of an employment contract for this loan. I knew this to be common practice for physician loans. They assured me that the Match Letter wou ld be sufficient. I also told them that I would be graduating in XXXX XXXX . I was told that my information would be passed on to a wealth XXXX , as they handle physician loans, and they would get back to me the following week. On XXXX XXXX , XXXX , I received an email from BB & T Mortgage XXXX XXXX XXXX XXXX in Florida. We did not live in Florida, nor were we moving to Florida. I 'm still unsure why I was assigned to this lady when there were BB & T loan officers in the city we would be moving to. This was our first home purchase, so I figured maybe it was n't so odd and it was a peculiarity specific to the physician loan. XXXX assured me that she handled physician loans " all the time '', so I did n't worry. It seemed as though this was her specialty. I filled out the preapproval application on XXXX XXXX and we received preapproval on XXXX XXXX . We made an offer and submitted earnest money on a house on XXXX XXXX . Closing was scheduled for XXXX XXXX . I sent XXXX a copy of the contract on the house. At that point, I had much less communication with XXXX and much more communication with her assistant, XXXX XXXX . In fact, XXXX would generally not answer or return my calls. XXXX 's job seemed to be to collect all necessary documentation for the loan. Among other things, she asked for a medical license. I told her that I did not have that because I had not yet begun residency. She said that I could send official school transcripts instead. She gave me an incomplete address for the transcripts, so the delivery was delayed by about XXXX weeks until I caught the error. Official transcripts can only be sent through the mail, so there was no other way to get them to her. We came out of underwriting on XXXX XXXX with some conditions, but I was never told what all of those conditions were. XXXX asked me for something stating that I had completed all requirements to graduate ( transcripts were still pending at this point due to the address error ). I was n't scheduled to gradute until XXXX ( as I had told them previously ), so I offered a copy of my graduation requirements review from the school that showed that I was on track to graduate and only had to complete a Pass/Fail elective to graduate. At this point, my realtor and I became worried. XXXX was not returning calls to my realtor and XXXX told me that she could not speak to her about the loan. However, she had spoken to my realtor the week before and assured her that we were on track for closing on XXXX XXXX as originally scheduled. On XXXX XXXX , XXXX very pointedly told me that we could not get the loan until I had completed all of my coursework. She denied that I ever told her that we wanted to move before graduation, although she knew our closing date and when I was going to graduate from the beginning. Even if we assumed that she did n't put those XXXX together, I told XXXX XXXX weeks prior via email that I would not have my medical license until later and that graduation was n't until XXXX . There was no reason to wait until 9 days before closing to let us know that this would be an issue. Basically, I never sh ould have been offered this loan. While there are many lenders who offer physician loans for graduting students, BB & T does not. It was total incompet ence on their part to drag us through this process and then leave us with nothing more than a ding on our credit report for the denial. XXXX excused away her error by saying that " every situation is unique ''. To make matter worse, the house we were renting had been sold and our landlord graciously scheduled that sale around our closing date. Suddenly we were 9 days away from closing with no financing and nowhere to go. I feel that I was transparent with everyone at BB & T from the beginning and was downright misled by these people. I will be sure to tell every graduating medical student I know to avoid BB & T at all costs!
06/15/2017 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 32309
Web
Simply put, my loan is currently in default as a result of BB & T 's loan servicing error. I have been denied hardship assistance twice and had my last appeal denied. I just want to pay my mortgage. BB & T only wants me to cure my late payments by making a lump sum payment for approximately {$11000.00}. That 's unrealistic. The two times I have filed for assistance I have made it very clear that I have more than enough money to bring my account current with large payments. I 'm happy to provide documentation to substantiate all of my correspondence with BB & T. XX/XX/XXXX : In XX/XX/XXXX I became two months behind in my mortgage. In XX/XX/XXXX I was provided a six month repayment plan to bring my mortgage current. All payments for the repayment plan from XX/XX/XXXX XX/XX/XXXX were set up via ACH withdrawals. My first payment in XX/XX/XXXX was paid according to the plan. XX/XX/XXXX : In XX/XX/XXXX BB & T perpetrated a loan servicing error against my account that resulted in the default of my repayment plan. BB & T charged me two mortgage payments in the month of XX/XX/XXXX. This was due to a loan servicing error by BB & T. As a result of BB & T 's loan servicing error, my bank had to process a stop payment on ACHs from BB & T in order to recover the incorrectly processed ACH payment in XX/XX/XXXX. The ACH stop payment ( as was required by my bank to recover funds collected by BB & T in error ) resulted in my XX/XX/XXXX mortgage payment being rejected by my bank XXXX XXXX. XX/XX/XXXX : I quickly realized that my XX/XX/XXXX mortgage payment was refused by my bank and then contacted BB & T immediately to make the required payment. BB & T refused my XX/XX/XXXX payment, and told me at that time I was in default as a result of the missed payment and I was now in foreclosure. Because the third installment payment was denied, I defaulted on my repayment plan and hence defaulted on my mortgage. Because BB & T would not accept a mortgage payment from me, my only option was to file for hardship assistance. XX/XX/XXXX : I applied to BB & T loss mitigation in XX/XX/XXXX/XX/XX/XXXX for hardship assistance to reinstated my payment plan. That was denied. My denial was based on a lack of available cash, which was incorrect. However, I made changes to my cost of living into order to free up more cash so that I would be approved. XX/XX/XXXX : I applied again to BB & T loss mitigation in XX/XX/XXXX for hardship assistance to reinstated my payment plan. That was denied. My denial was based on a lack of available cash, which was incorrect. XX/XX/XXXX : I filed an appeal to BB & T loss mitigation determination in XX/XX/XXXX for hardship assistance to reinstated by payment plan. That was denied. All I want to do it pay my mortgage, I dont want special treatment. XXXXB & T will not accept payment when a mortgage is more than three months late. As a result I was not able to make any type of a payment to BB & T in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX. I am now in foreclosure. I have sought relief from these conditions that were caused solely and entirely as a result of BB & T 's mistake and negligence. I am asking for simple and straightforward honest and fair response to my appeal. Any person can plainly see that my loan is currently in default as a result of BB & T 's mistake. I am more than happy to continue to make payments to bring my mortgage current, however BB & T will not accept my money. I have made several attempts to contact BB & Ts loss mitigation and my calls have not been returned. I have been told on numerous occasions that someone in BB & Ts loss mitigation department would return my phone call to discuss with me the fact that I am in default as a result of BB & T 's negligence. My only option has been to call the loss mitigation XXXX number, only to be told that I can not pay my mortgage and if I wish I will get a return phone call from a supervisor. I would call BB & Ts loss mitigation department supervisor, but I am not permitted to have that phone number. I have called multiple times and I have been told that someone in BB & Ts loss mitigation department would return my phone calls and they have not. This demonstrates the fact BB & T is negligent and abusive to clients. The fact of the matter is that I have made continued efforts to pay my mortgage and work with BB & T, but they have not returned my communications and will not permit me to make a payment on my mortgage unless I pay the entire reinstated amount of {$11000.00}. This is outrageous and deplorable. It 's very clear that BB & T does not value its customers.
08/05/2017 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Trouble during payment process
  • FL
  • 342XX
Web
XX/XX/XXXX XXXX XXXX XXXX , Chairman and Chief Executive Officer BB & T Corporation XXXX XXXX XXXX XXXX XXXX , NC XXXX RE : BB & T Insurance Tracking Center Dear XXXX XXXX : I have been attempting to resolve an issue with my BB & T HELOC for close to one year now. I am beyond frustrated and am ready to take my more than five years of banking business elsewhere. In my estimation, you have faulty automated processes for HELOC insurance verification, employees at that facility with a lack of knowledge and inferior tools on how to resolve matters, and communications between departments that are mediocre at best. In the fall of XX/XX/XXXX , I received notice that I did not have adequate insurance on my Florida condominium in accordance with BB & Ts policy. Readily, I supplied policy information ( both my units insurance and the condominium associations master policy ) to the BB & T Insurance Tracking Center and received an automated response that they would review. A few weeks later, I got a second and final notice informing me that I did not respond to the first response. Again, I resubmitted, had my insurance agent submit, and involved vice president XXXX XXXX of my local branch ( XXXX XXXX , XXXX , Florida ) a very kind and patient woman who is hamstrung by corporate procedures, in my opinion. My insurance agent and XXXX XXXX both contacted BB & T Insurance Tracking, for no one there knew how to do anything other than have me resubmit through the email/fax automated system and say everything looked okay or never return my calls. Upon XXXX XXXX contact with a higher up, she informed me my policy, as well as the condos master policy, was adequate and everything was resolved. A few weeks later, I got a notice that your bank forced lender-placed insurance on my equity line. My insurance agent, XXXX XXXX , and I all resubmitted the paper work through the automated system again. Months passed with my HELOC being charged a monthly premium for a policy everyone agreed I didnt need. After multiple calls and emails between XXXX XXXX , me, and my agent with the inept BB & T Insurance Tracking department, the matter got ( temporarily ) resolved. In XX/XX/XXXX , the forced policy was removed and my account was finally credited. I was a happy camper for a couple of months and decided to finally tap into my unused line of credit, partially due to XXXX XXXX kindness. Alas, in XX/XX/XXXX , with the renewal of my condominium associations master policy, it started again. I received the first notice of inadequate insurance. Again, my insurance agent, XXXX XXXX , and Iall quite familiar with the process by this pointresubmitted all the appropriate policies and renewal information. Again, we were assured the policies were appropriate. A few weeks later, I got a second notice. We kicked through the process one more time for good measure. Finally, today I received the final notice that a lender-placed policy was forced onto my HELOC. I dont think I have the patience to wait another six months for someone to get their act together to figure it out. As I explained to XXXX XXXX last month, I am at a complete loss as to why your bank is unable to rectify this. And worse yet, why no one knows what the problem is. She has apologized on behalf of the bank countless times. Last time we talked she promised me a representative from Insurance Tracking would reach out to me via phone to inform me, as they had to her, that everything was resolved. Im still waiting for that call. Not to toot my horn, but I am a public persona with more than 17,000 XXXX followers, published books etc. I have resolved to XXXX this inadequacywith the fervor of Donald Trumpto try and get something done. Additionally, I have filed a complaint with the Consumer Financial Protection Bureau. XXXX XXXX : Fix. It. Now. Im hoping an old school approach of informing the one in charge of the insufficiencies will help. Can this be resolved? I hate to change banks. Quite honestly, its a pain in the ass, but I will do what is necessary. I have lost countless hours trying to rectify this myself. Please resolve immediately. Sincerely, XXXX XXXX XXXX Enclosures : First notice, copies of policies, confirmation email, second notice, email exchange, and final notice cc : XXXX XXXX , BB & T Branch, XXXX XXXX , XXXX , Florida XXXX BB & T Insurance Tracking Center, Kennesaw, Georgia XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX , Florida Consumer Financial Protection Bureau ( CFPB )
10/16/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • GA
  • 300XX
Web
I received a statement from XXXX XXXX in XX/XX/2018 with a due date of XX/XX/18. The full amount was paid via my BB & T online banking account. BB & T 's designated delivery date was XX/XX/18. After receiving a payment reminder notice from XXXX XXXX, I contacted both BB & T and XXXX XXXX to f/u regarding my payment. BB & T verified the information on the check was correct. According to BB & T, the check was processed on their end, however, as of XX/XX/18, had not been cashed by XXXX XXXX. XXXX XXXX as of this writing has not received the check. Following a conference call with both entities on XX/XX/18 : BB & T stopped payment on the check stating there would be no fee to me for the stop payment since the check had not been received by XXXX XXXX. This was confirmed again during the phone conversation. Payment of the full bill was made over the phone to XXXX XXXX with no resulting financial impact ( e.g. interest, late fees, etc ). The following day, XX/XX/18 I went online to check my account. BB & T charged my account {$35.00} for the stop payment. On XX/XX/18, I contacted BB & T online banking and was assured it was a mistake and the fee would be removed. On XX/XX/18, again I checked my account and the fee was not removed. In as much as the BB & T online banking telephone hold time was 50 minutes, I opted to send a message via their online messaging system - no response noted. On XX/XX/18, I again contacted BB & T at which time I was informed by XXXX in online banking, that the fee would not be removed from my account since it was my fault they did not receive the check. Per XXXX : The account number I referenced on the check was incomplete. It doesn't matter that the address was correct and the issue was XXXX XXXX did not receive the check, it is still my fault. After getting disconnected, I contacted XXXX XXXX and spoke with XXXX who works with payment investigation and escalation. Per XXXX : XXXX XXXX policy when they receive a check with an incomplete account number is to cash the check. When the customer calls, they then will link the payment to the customer. In this particular instance they did not cash the check, because they never received it. Following my discussion with XXXX XXXX, I received a call from XXXX from BBT 's payment research dept. Per XXXX : 1. I signed an agreement when signing up for online banking that states I will put the full account number. Since I did not do this, they will not refund the {$35.00}. She dont know who told me they were waiving/refunding the fee, but they should not have and it wasnt her. 2. If I had entered the full account number, it would have resulted in an electronic payment, rather than a paper payment. My understanding is BBT online Bill pay is for both paper and electronic payments. In as much as the address on the check was complete/correct, XXXX XXXX should have received the paper check by the BBT delivery date of XX/XX/18. They did not. 3. XXXX XXXX 's policy and the fact that they never received the check at all. A lot of things could have happened as to why they did not get the check - e.g. could have gotten lost at post office. It doesn't matter, it is still my fault since I did not put the complete account number on the check. In summary, I am requesting that the {$35.00} stop payment fee be refunded to my checking account. Please note : 1. The payment was sent via BB & T 's online banking using a paper check and a BB & T designated delivery date of XX/XX/18. In as much as the mailing address was correct, XXXX XXXX did not receive the check, not by their assigned date and not at all. Additionally, BB & T, by their own admission, has not received a return check or any other communication from XXXX XXXX indicating there was a problem. XXXX XXXX in accordance with their policies would have cashed the check and they did not because they never received the check. 2. As noted above, during a conference call with BB & T and XXXX XXXX, I was told by a BB & T employee ( hired and trained by BB & T ) that the fee for the stop payment would be waived. This was confirmed again during the phone call and upon f/u with another BB & T employee XX/XX/18. It seems both unprofessional and unethical to charge me for the stop payment, after assuring me, it would be waived. As a long time customer of BB & T, this experience and level of interaction is very disheartening. I will be happy to provide additional details, timelines, or other information if needed. Please advise regarding next steps and resolution. Thank you.
09/02/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • VA
  • 22102
Web
Dear Madam or Sir, In XXXX, I met with my branch banker XXXX XXXX at the XXXX XXXX XXXX XXXX branch. I explained my cash flow issues due to spotty income from business. I had delay in XXXX mortgage payment for extraneous reasons - I then paid the next 3 months of mortgage payment in advance. XXXX offered a pre-approved ( subject to credit report ) BB & T credit card with {$5000.00} limit - Two flavors in terms of introductory interest rate vs. longer term rate. I EMPHASIZED to XXXX that in prior 2 to 5 years I had been declined for credit card AND home equity loan due to inconsistent income and high credit card balances. But I was still receiving so-called " pre-approved '' credit card offers due to my no-missed payment record for 23+ years. I told XXXX my credit score still is around 730 despite having $ XXXX in total credit card debt ; also that my annual income can range between $ 30K and $ 50K as I work on commission basis. We agreed it was worth my trying to see if I can obtain additional {$5000.00} of credit as I have new business plans currently underway to take my total income back to the six figure range where it used to be till XXXX. Note that I was receiving LTD benefits privately paid from XXXX to XXXX due to major XXXX and major XXXX for XXXX XXXX XXXX XXXX XXXX that has rendered me functionally XXXX for years. Within days my credit card application with BB & T was rejected. I received the attached letter stating this fact and that if I want proper explanation then I need to write to BB & T 's Credit Department requesting such detailed explanation for denial ... First, why should I have to write once more to the financial company that itself volunteered to process my credit card application, and then denied it? Why is it not mandatory for any rejecting financial company to HAVE TO provide a credit card applicant with full written explanation for denial? - I mean, financial institutions are making/mailing 'pre-approved ' offers, getting the consumer 's hopes up only to eventually deny in many cases. BB & T has the right to deny me but then why not extend the courtesy of written justification? Please note, I am not angry or frustrated at being denied as I myself forewarned XXXX ( who initially was being helpful ) that my debt to current income ratio could be too high. Second, can the CFPB kindly look into this macro-aspect of financial institutions pitching such pre-approval offers and then denying presumably in my case based my high debt-to-income ratio and my relatively lower income? - Can we not have a fairer process for consumer whereby the institutions will be REQUIRED to also initially query the credit card offeree 's most recent income level, debt level and anything else that can easily be entered into a basic calculation engine, such that NO HARD CREDIT REPORT PULL will be necessitated? - All that happened aside was a multi-point drop to my credit score from BB & T 's pre-approval query. So why not take steps upfront to avoid having to check credit report itself? Surely the bankers can take additional inputs from applicant and tell us on the spot whether our debt to income ratios will let us qualify for new credit card, a high credit score notwithstanding? To me, THERE HAS GOT TO BE A WAY TO COMPEL FINANCIAL INSTITUTIONS TO QUERY MORE CONSUMER INCOME AND DEBT PARAMETERS AT THE VERY START THAN MERELY GO BY A HIGHER CREDIT SCORE SUCH AS MINE, BEFORE THEY OFFER A PRE-APPROVAL OF CREDIT CARD. What does CFPB think of my suggestion here? Third and last, I was disappointed that my " branch banker '' Mr. XXXX XXXX blew off my two emails to him that clearly asked him to forward my request for written statement from BB & T credit department RATHER than my have to write to them. I emailed XXXX in XXXX and again on XX/XX/XXXX. Never heard back. BB & T 's credit department does not allow a rejected applicant to get on the phone even with any of their customer representatives. What kind of consumer deal and discourse is this?! When I called their toll free number in attached letter it is a voice greeting with one-way instructions only! I sincerely hope improvements will be made in this arena so that honest, trusting consumers with disqualifying debt-income issues will not have to expend points on their credit score and time in applying in false hope for credit cards that the offererors can easily deny upfront by requesting a little more information from those offerees! Thanks, sincerely, XXXX XXXX
08/31/2018 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • WA
  • 98201
Web
After numerous complaints to and requests for information through the Consumer Financial Protection Bureau regarding fraudulent transactions processed at a Branch Banking & Trust ( BB & T ), I have obtained documents demonstrating that BB & T opened at least one fraudulent joint account in my name without my authorization, knowledge, physical presence, or valid identification. On XX/XX/XXXX, BB & T opened a joint account ending in XXXX in my name at its XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX location. I was not physically present for this as I was serving as a XXXX XXXX XXXX in rural XXXX and BB & T transactions from my personal checking account ending in XXXX confirm that I made a withdrawal in XXXX, XXXX on XX/XX/XXXX. I did not know of or authorize the opening of the joint account ending in XXXX. The account signature card dates my forged signature as XX/XX/XXXX. I was, again, serving abroad and did not sign this document at any time. Furthermore, as I learned over the phone from BB & T 's Identity Theft unit, BB & T accepted a voided and therefore invalidated Colorado drivers license as proof of my identity. I would like to note that this license literally has holes punched through it spelling " VOID '' and that I had maintained a Virginia drivers license for years prior to XX/XX/XXXX. This is in direct violation of FDIC Law, Regulations, Related Acts mandates in Miscellaneous Statutes and Regulations Part 1020 that banks must have a Consumer Identification Program ( CIP ) that contains procedures for verifying the identity of the customer, using information obtained in accordance with paragraph ( a ) ( 2 ) ( i ) of this section, within a reasonable time after the account is opened. Appropriate documents from an individual may include an unexpired government-issued identification evidencing nationality or residence and bearing a photograph or similar safeguard, such as a driver 's license or passport. As outlined above, BB & T accepted no such document. When a person other than an individual ( such as a corporation, partnership, or trust ) opens an account, the FDIC requires documents showing the existence of the entity, such as certified articles of incorporation, a government-issued business license, a partnership agreement, or trust instrument. At no time did I consent to or issue a trust instrument to another individual. The FDIC allots for verification through non-documentary methods and the bank 's non-documentary procedures must address situations where an individual is unable to present an unexpired government-issued identification document that bears a photograph or similar safeguard ; the bank is not familiar with the documents presented ; the account is opened without obtaining documents ; the customer opens the account without appearing in person at the bank ; and where the bank is otherwise presented with circumstances that increase the risk that the bank will be unable to verify the true identity of a customer through documents. I have not been provided with any evidence that BB & T pursued non-documentary verification as it maintained an invalidated drivers license as proof of my identity in relation to the joint account. This fraudulently-opened joint account ending in XXXX was used to deposit a check in my name on XX/XX/XXXX. This check, numbered XXXX, was in the amount of {$20000.00}. BB & T records confirm that I received a total of {$4000.00} from check number XXXX through a phone transfer from account ending in XXXX to account ending in XXXX on XX/XX/XXXX. I was not aware that these funds were from a fraudulent joint account nor that they were from a check reissued under false pretenses in the amount of {$20000.00}. The joint account ending in XXXX was closed on XX/XX/XXXX without my awareness of its existence while I remained in XXXX. A closing balance of {$10000.00} was issued to the individual who closed the account. I did not receive this money. I am demanding an explanation as to how the account ending in XXXX was opened, acknowledgement of fraud, and swift reimbursement of check number XXXX. Additionally, I am demanding to know how many other accounts ( aside from those ending in XXXX and XXXX ) were opened in my name at BB & T and all correlating records. I would not be making these demands if BB & T had adhered to FDIC regulations and believe that the bank should be held accountable to the full extent of the law.
12/02/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • SC
  • 29045
Web Servicemember
In XX/XX/XXXX I requested a deferment on two vehicle loans financed through BB & T. This was done for the purpose of buying time to rearrange my entire financial structure due to the fact I was preparing to take care of my injured wife and it would require 24 hours a day to do so. She was released from the hospital on XX/XX/XXXX into my car after suffering a XXXX XXXX XXXX as well as other multiple XXXX and XXXX in a motorcycle accident with no witnesses and thus no insurance money. After careful examination of my finances I knew with my current credit score of nearly 780 I could wait until about XX/XX/XXXX and obtain an equity loan from my home that was appraised over 100,000 more then owed. Waiting until XX/XX/XXXX would give me time to see exactly was coming my way as far as medical expenses and other unknown items. Keeping my credit score at the level it was of great importance and thus the request for the deferment. The request for two months of deferments was approved on XX/XX/XXXX. At the beginning of XX/XX/XXXX I went on line to find out exactly what was due and when. In doing so I used the information provided on the right side of my statement as I always have which indicated the next payments due were XX/XX/XXXX and XX/XX/XXXX so on XX/XX/XXXX i sent in over {$1100.00} in payments which covered the majority of what was due and would make up the remaining amount at the end of XX/XX/XXXX using my military retirement if I had not managed to have already paid it. At the beginning of XX/XX/XXXX when I once again looked at my statements it indicated I was past due for the months of XX/XX/XXXX, XX/XX/XXXX. and XX/XX/XXXX and did not show where my payments from XX/XX/XXXX went to. I contacted the bank, BB & T, and no one could explain what was going on. After numerous phone calls and complaints I contacted the XXXX XXXX XXXX for assistance. Due to the fact that now the one thing I was trying to prevent had already happened and missed payments were turned in that should not have been and without any explanation as to where my money went I made no further payments until XX/XX/XXXX even though none of the information had yet been fixed or explained. Finally I received notification from BB & T that for some unknown reason the information on the right side of the statements was now wrong and the payment I thought was sent in for XX/XX/XXXX was actually applied to XX/XX/XXXX but no where was that indicated on any billing paperwork. BB & T said they were diligently working on fixing the problem which took until around XX/XX/XXXX to do so. I finally called the mortgage broker I had always used and told him I wanted to do the refinance with cash out to keep for paying other monthly bills and maintaining my credit status. As a direct result of all the missed payments turned in from BB & T my credit score had dropped below 620 and the refinance on my va loan was not able to be done. Finally in XX/XX/XXXX BB & T went back and removed the missed payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They however, after sending me inaccurate billing information refused to correct following months even though it was a direct result of inaccurate due dates and amounts showing on my statement. Once my refinance was turned down it mattered very little if they went back and corrected the information because not being able to obtain the cash I needed from the house caused an avalanche of financial problems. Since that time they removed 8 out of 12 of the initial late payments which did nothing to help the financial damage they had caused. My credit score remains in the low 500 range and obtaining any type of loan to catch up on missed payments is impossible. They ruined the credit it took me over 40 years to achieve and have cost me tens of thousands of dollars in damages thus far and over the next decade will probably exceed {$100000.00}. As I set here still going through a long recovery process with my wife in jeopardy of losing the home she desperately hangs on to because it is one of the few things she feels she hasnt lost. It is ridiculous that a multi billion cooperation totally ignore the financial devastation they caused to include having the ability to help my XXXX year old XXXX to pursue there education past high school. It is totally unfair that they can get away with such business practices and not have to pay restitution for the damage they caused
07/07/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • WA
  • 98201
Web
This complaint is regarding fraudulent checks deposited into Branch Banking and Trust ( BB & T ) accounts and the company 's response to my initial Consumer Financial Protection Bureau complaint ( number XXXX ). My initial and unresolved complaint is as follows : " On XX/XX/XXXX, BB & T deposited check number XXXX into account number XXXX. The check was addressed to myself, XXXX XXXX, and the account belongs ( or belonged ) to another individual. Notably, this check was not endorsed in any manner. This transaction took place without my knowledge or consent while I was serving overseas as a XXXX XXXX volunteer, and I learned of this check in XX/XX/XXXX after requesting information from issuing law firm XXXX XXXX XXXX XXXX XXXX. A copy of cancelled check number XXXX is attached and labeled " Check 1. '' In addition to learning of the aforementioned check, I discovered that BB & T deposited checks in my name from XXXX XXXX XXXX XXXX XXXX into accounts belonging to another individual, or individuals, on at least four separate occasions. While I had a checking account and a savings account, or a total of two accounts with the institution, BB & T accepted a total of six checks into six separate accounts numbered : XXXX, XXXX, XXXX, XXXX, and XXXX. Please see attached copies of the cancelled checks and respective accounts labeled : " Check 2, '' " Check 3, '' " Check 4, '' " Check 5, '' and " Check 6. '' Upon learning of these transactions, I contacted my former BB & T branch at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA and spoke with several local and corporate representatives, including branch manager XXXX XXXX, in an attempt to clarify and remedy this situation. I was given no satisfactory assistance and have spent the last year and considerable resources researching these checks. '' Following this complaint, I received a response on XX/XX/XXXX from Complaint Resolution Manager XXXX XXXX XXXX that failed to address any of the concerns listed above. Furthermore, the information in the response does not correspond with the cancelled checks mailed to BB & T and submitted to the Consumer Financial Protection Bureau. The response indicates that I supplied check number XXXX to a joint account ending in XXXX. I did not supply this check and I did not open a joint account with BB & T. The response also refers to a signature on the back of check number XXXX despite the fact that back of check number XXXX is missing a signature. This issue is detailed and documented in my initial complaint. Furthermore, all account numbers that I reference in my complaint are present on the cancelled checks. None of the cancelled checks bear account numbers ending in XXXX or XXXX as BB & T 's response posits, nor do these numbers match my records. At no time in my letter did I claim that accounts ending in XXXX and XXXX were my own as the response asserts. These are account numbers on XXXXwo of the six checks issued to me that BB & T accepted and deposited into six separate accounts. The response also states that " Additional research could not confirm XXXX XXXX viewed your profile nor could we locate the notes you referenced were shared with you by XXXX XXXX. '' This counters my experience speaking with the above-mentioned BB & T representatives. XXXX XXXX and XXXX XXXX requested that I give a former account number ( s ) when I spoke with them so as to verify my identity and to record/consult notes. I supplied account numbers from the checking account and/or savings account ( a total of two accounts ) I maintained with BB & T. Each representative confirmed the existence of an account included in my initial complaint and XXXX XXXX was able to access documentation of my prior inquiry in XXXX. I am demanding immediate copies of the account records that BB & T 's response references and attributes to me as well as a continued investigation into my initial complaint as the research cited does not correlate with the information and supporting evidence provided to BB & T by USPS and the Consumer Financial Protection Bureau. To be clear : I am demanding all records, including account numbers, account initiation documents, corresponding Signature Cards, account termination dates, and transaction records for all joint and individual BB & T accounts in my name. I will continue to escalate my complaint until I am provided with this information and fraudulently deposited funds.
12/31/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • AL
  • 365XX
Web
I am a customer of BB & T bank and have been a customer with said bank since, XX/XX/XXXX. With that being said, I have been an excellent stuard of my account until making an error and signing up for the companies Overdraft protection, and at this point it was a very big mistake. Up until the date of signing up for Overdraft protection I may of had 2 fees that were obviously my fault and never complained. Suddenly, odd things began to happen with the account. The exact date of signup I do not remember but it was earlier in the year. While signing up, there was no breakdown of any changes to deposits, or credit schedule. Including cash deposits at the ATM. During the period of XXXX. This predatory practice debited my account for more than {$570.00} in overdraft coverage fees .During the same period I had made deposits of {$660.00} yet could never get it to the positive! After approaching the bank courteously and explaining the situation in which the following occurred during the same period. I declined their NSF/OD protection on my account. Only to see them rearrange pending debits and deposits to maximize RETURNED ITEM fees. The following occurred. Dates and deposits : XXXX Deposit of {$2200.00} XXXX Deposit of {$190.00} XX/XX/XXXX Transfer of {$70.00} XXXXDeposit of {$200.00} XXXXDeposit of {$200.00} XXXX I declined any future Overdraft protections. During this time period I deposited a total of {$2900.00} Which had they explained to me at any point that DEBITS cleared before CREDITS I would never of banked with this institution. After, approaching the bank and waiting for DAYS for a response, the bank refused to refund any but 1 {$33.00} fee. Even the ones on fees for $ XXXXcent fees charged by them, and never explained how I ever received any of these fees, considering they were online purchases made. I have do so for years and never received such fees or maybe didn't notice them at other institutions. Never a fee on them. During this period They convinced me to decline any future protection and they moved around more charges, and credits to maximize Returned item fees. As shown below. I zeroed out the account and hit the restart button with said institution. Depositing a total of {$3600.00} in a 2 day period, of XXXX and being assured over the phone that my deposit of {$2100.00} at the atm was going to clear the same day I made it and that any debits were to clear after the credit was made to the account. Said deposit was in CASH. These deposits include-XXXX {$1100.00} {$260.00} {$130.00} {$34.00} XX/XX/XXXX {$2100.00} All cleared on XX/XX/XXXX With pending debits of- {$29.00}, {$14.00}, {$50.00}, {$160.00} which add up to a total of {$260.00}. At this point my account balance available was {$1500.00} YET I somehow managed to get Returned item fees on XXXX and XXXX XXXX, which were the {$160.00} and {$50.00} payments made AFTER THE DEPOSITS! They in turn held a deposit of {$2100.00} for two days and done everything they could to maximize fees on PENDING transactions! I wake up on XX/XX/XXXX to MORE FEES, and returned items and now a likely a credit account that will close due to this PREDATORY practice of maximizing fees by ensuring that debits always clear before your cash deposits. Deposits made at ATM show as a CHECK NUMBER. In which is how they held a {$2100.00} deposit for 2 days after being assured that it would clear and I had nothing to worry about on the phone by their associate. At this point I am angry, and upset and feel that this bank is not only preying on me, a GOOD customer until I signed that paperwork online, but also other customers of more meager means. I am asking for every DIME of overdraft fees refunded to my account and I will be closing this account as soon as any pending credits, and debits clear. At this point I am at a loss of even how to manage my checkbook, and banking, as I feel like this bank has done everything in its power to maximize fees, while viewing me as a number, and refusing to give me any refund. The banks shuffling of debits and credits, as well as purchases that have previously shown as cleared disappearing and reappearing on the account to maximize fees on small purchases made nearly 2 weeks prior is disgusting. .
07/10/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 92116
Web
Parties Involved : 1 ) XXXX XXXX XXXX ( Servicer ) 2 ) BB & T Home Mortgage ( Servicer ) Timeline of Complaint : 1 ) XX/XX/XXXX, mortgage loaded to XXXX XXXX XXXX as servicer upon closing of home refinance, principal balance {$550000.00} 2 ) XX/XX/XXXX, loan transfer setup occurred at BB & T Home Mortgage, principal balance loaded as {$550000.00} 3 ) XX/XX/XXXX, Per servicer instructions, payment made by borrower to XXXX XXXX XXXX in the amount of {$3500.00}. This included scheduled payment due of {$3300.00}, plus {$140.00} of additional principal to round payment up to even {$3500.00}. Total application of payment : Principal {$940.00}, Interest {$1800.00}, Escrow {$710.00}, Total Payment {$3500.00} 4 ) The original balance of {$550000.00}, less the principal paid of {$940.00} equals {$550000.00}. The loan balance loaded to BB & T was {$550000.00}. The difference is {$140.00}. The difference is the additional principal payment made with my XX/XX/XXXX payment. 5 ) XX/XX/XXXX, Payment made by borrower for {$3500.00} to BB & T Home Mortgage ( {$940.00} principal, {$1800.00} interest, {$710.00} escrow = {$3500.00} ). Principal balance at BB & T Home Mortgage shown as {$550000.00}. Original loan of {$550000.00}, less principal paid payment 1 ( {$940.00} ), less principal paid payment 2 ( {$940.00} ) is {$550000.00}. The difference between what BB & T Home Mortgage shows as my principal balance vs. what my principal balance should be is {$140.00}, which is amount in question. Attempts at Resolution : 1 ) Customer has called and emailed both XXXX XXXX XXXX and BB & T Home Mortgage multiple times, interacting with a variety of customer service representatives and supervisors. No resolution has occurred. XXXX XXXX XXXX has confirmed multiple times to customer that the additional {$140.00} of principal was forwarded on to BB & T Home Mortgage. 2 ) Customer provided documentation to BB & T Home Mortgage including : full reconciliation of accounts and payments made, including screenshots from online portals, proof of payment made from bank activity, and screenshots of email correspondence between XXXX XXXX XXXX and customer proving that the {$140.00} payment was made and that it was forwarded by XXXX XXXX XXXX to BB & T Home Mortgage. BB & T Home Mortgage claims that the amount loaded was the accurate account, thus ignoring the complete reconciliation and proof provided. 3 ) Inadequate training and exceptionally poor communication has created serious serious problems while customer had attempted to work with BB & T Home Mortgage. The customer service representatives who attempted to work with the customer were unable to perform basic math, and they were unable to read large numbers aloud over the phone ( e.g. did not know how to read aloud a number with more six digits, unsure which was " thousands, '' " hundred thousands, '' etc. ), which was shocking coming from a banking representative. One representative attempted to convince customer that the {$140.00} payment was reflected in the loaded balance, and the individual did not seem to understand when the customer explained mathematically why that was not true. 4 ) Customer was told to fax documentation to cash reconciliation department, which customer did promptly. Days later when customer called in again, there was no record of having received the documentation. Customer escalated to supervisor who provided a direct email address, to which customer emailed the reconciliation and documentation. Customer was promised a response. Customer never received a response. Customer called in again and was told that cash department did not find an issue with the account. Customer requested proof of reconciliation and findings from cash department. Customer never received any communication. 5 ) Customer has worked for weeks with two financial institutions to resolve a very simple issue. Customer took it upon himself to provide a complete reconciliation and all required documentation to solve the issue, because BB & T Home Mortgage seemed incapable of performing this work themselves. No resolution has been reached, and BB & T Home Mortgage shows no signs that they are working on this issue or that they intend to make the customer whole.
08/14/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem related to refinancing
  • AZ
  • 85225
Web
Due to a family fall out, I am currently having to refinance my vehicle to get my father off of loan that he is a cobuyer on. I was told by the bank that is willing to refinance my vehicle for me that I needed to request a payoff from my current lender. Not an issue. I called them on Thursday, XX/XX/XXXX and spoke with a rep who told me the only way I was able to get my payoff was to go into a local branch or make an online account and get it from there. I live in Arizona and originally got the loan financed through a bank in Georgia. So the closest actual branch to me was in Texas, I told the gentleman that. He said if that was the case that I would just have to make an online account and would be able to receive my payoff from there. Yes, I did mention to him that I needed it for refinancing purposes. Due to not having an email on file, he told me because my email needed to updated that it would take 2 business days to get my account set up. Due to needing to email me a confirmation that says my account is ready to be set up. He said to wait for an email and that's what I did and never received one. So I followed up yesterday, XX/XX/XXXX and they told me that the account was never set up. I was then on the phone with a representative for 32 minutes just trying to get my account set up - not that representatives fault, she was very helpful and informative. My sole complaint is about the gentleman that helped me on Thursday, XX/XX/XXXX. I told him that I have never heard of it being so difficult to get a payoff for a loan, did not even offer to mail it to me. Nothing. It was frustrating because I work for a finance company myself and I know there are many ways to receive a payoff then what I had been told by him. I did not mention that I needed a payoff to the individuals that I spoke with on Monday, XX/XX/XXXX, because I was just anxious to get online to get my payoff - like the rep from Thursday had told me. Once I finally got help with setting it up on Monday, I quickly logged on just to have a message online tell me that I needed to contact them if I wanted a written payoff. At that point I was absolutely upset. It's already stressful the situation I am having to deal with, let alone not even being provided the correct information prior to get this done the right way. I was also at work while trying to do this and having to go back and forth to get a hold of someone but the wait was constantly 50 minutes or more and when they called back, I was always on the phone at my own job with a customer to where I couldn't answer. I called later Monday night, still XX/XX/XXXX and at that point they told me the loan servicing department was closed, which I thought that's who I had been dealing with the whole time, but at this point it just sounded like customer service. That rep provided me the number and business hours to call and speak with someone in regards to getting a payoff. I called this morning, Tuesday, XX/XX/XXXX, and the representative I had spoke with informed me that the easiest and quickest way for me to get a payoff since I am refinancing is to have the other lender fax in a document request with my name and loan account number. She said the soonest they would have it is 24-48 hours. At that point I finally got the answer I needed, but why didn't the representative that I spoke with on Thursday inform me of this? To save the time, the hassle and the absolute headache. I would have never had to make an account, I would have never had to wait on hold for 32 minutes to make my account and I am just really mad and upset that I was relayed the wrong information in the first place because I could have had the payoff to me by now, if not within the next 24 hours - I could have had the current lender that I am working with request it that same day on Thursday if I was told the correct information. I can not wait to be done with this company and really hope that a training opportunity is taken upon that rep so no one has to go through what I went through. Like I said, I work for a finance company, so I know how big of a deal this complaint can be and that's why I am making it known because it really did frustrate me and make it a struggle to get something so simple.
08/21/2017 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • 243XX
Web Older American, Servicemember
Updates denoted by [ UPDATE ] '' XXXX XXXX I applied for a home equity loan at BB & T XXXX The 20 year XXXX said my chances were " excellent '' and " for 4 % or lower '' and she " recommended '' me : My XXXX XXXX was " excellent '' ( XXXX ), loan debt under 6 % of available credit, average XXXX savings over XXXX figures last XXXX years, for XXXX plus years over {$200000.00}, last month {$73000.00} as I paid off my home mortgage, my home appraised for {$97000.00} in XXXX, double my request, itemized net monthly expenses are HALF of my net monthly income, XXXX years with XXXX, NO negative interpersonal reports and my XXXX letters of praise, not many take time to offer to the XXXX XXXX XXXX : XXXX operations including XXXX/XXXX/XXXX ( when XXXX XXXX said she was very happy as the XXXX Line " gets mostly complaints all day '' ). [ UPDATE ] : XXXX XXXX XXXX approved a lengthy car loan at low 3.5 %! *** Finally, a XXXX official told me their new philosophy is the " whole person '' concept. XXXX applied the exact opposite in my case. Lacking any coherent rationale to deny me, XXXX invented a tiny excuse that any reasonable XXXX grader would find ridiculous. XXXX used this to place me in the highest risk group and [ UPDATE ] double my percentage to 8 % which is EQUIVALENT TO A DENIAL. It raises my finance charge from $ XXXX 17 years to $ XXXX XXXX! The XXXX branch official told me she knew I could not accept it. Reason : I had too many credit inquiries back in XXXX, including XXXX at XXXX, XXXX for car loan, XXXX for a XXXX credit card. Thus, in addition, XXXX punishes '' its own customers for following XXXX 's process to borrow IT 'S money which reqires a XXXX XXXX check! Then XXXX uses that inquiry along with other credit checks to deny a customer. [ UPDATE ] XXXX excuse was I had too many credit cards. Please note : at the application, I asked if I could just " close them out now ''. I was asked to wait. Then XXXX officials said I had too many cards, ( that presumably did n't include theirs ). XXXX also gave NO weight that these cards had n't been used. ( Customers are advised to get cards to enhance their score, then receive adverse results for doing so. ) [ UPDATE XXXX XXXX offers to loan money for cars, homes, furniture, campers, farm equipment and all the things it 's customer 's need, requires a XXXX XXXX check EACH TIME, then use those occassions to effectively price you out of the market ; often it may as well be a denial. I do n't know the dispositions of the other XXXX applicants submitted that day. Naturally, no-one will put in writting this decision, blatantly contradictory to XXXX 's stated policy and new more just philosophy and sign their name to it. Business card I was given by branch officials to complain to was " Vice President, RETAIL and Small BUSINESS Leader ''. My request was a HOME equity loan! None one my criticisms relate to the Branch officials in XXXX XXXX, ( where I seldom visit** ), or multiple branches in XXXX other states, XXXX XXXX line, XXXX XXXX banking system, or any other aspects of BBT. ** I use online banking. There was no unpleasantness at the branch, at or after the 10 minute notification or it would certainly be in the record. This one silly and unfair decision, does NOT remotely outweigh the literally hundreds of times XXXX has helped my family and me, in too many ways to mention in good times and in tragedy. I 'm not mad or vengeful. I do n't mind being lied to, promised fair treatment and " new philosophy '' then get the opposite, or even be treated like I do n't know the difference between right and wrong in a XXXX or business context. Mostly, it 's that these people have no guilt at all, about treating their own long time customers in this ice cold, unjust and totally unnecessary manner. If this is being done to others, it 's demeaning and disrespecful ... not to me, but to the good name of XXXX! Thank you. BB & T XXXX XXXX BB & T Corporation XXXX XXXX XXXX BB & T Corporation XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX BB & T Corporation Phone Number : ( XXXX ) XXXX Fax Number : ( XXXX ) XXXX Website : XXXX : XXXX Email : Email BB & T Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
08/05/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • MD
  • 20850
Web Older American
I opened a Bright Checking Account with BB & T Bank because of a promotion they were running and are still running now : open an account, make 3 bill payments of at least {$25.00} each within 75 days of opening the account, and receive a {$200.00} bonus. The account would be reviewed for eligibility 76-90 days after account opening, and the incentive would be paid within 28 days of the review. I opened my account on XX/XX/XXXX. 90 days after XX/XX/XXXX was XXXX. 28 days after XXXX was XXXX, so at the very latest, I should have received the {$200.00} by then. I didn't receive it, so on XXXX I emailed BB & T inquiring about it. " XXXX '' emailed me, listed the terms of the promo, confirmed that I had complied with them, and told me the account would be reviewed 75-120 days after account opening. This is a blatant lie. I have posted a link to the offer below. The offer states that the account would be reviewed after 76-90 days, not 75-120 days. I still haven't received a cent, so today I called BB & T 's new account department. " XXXX '' informed me that I didn't enter the promotional code when I opened the account. I told her that not only did I enter it, but " XXXX '' from BB & T emailed me on XX/XX/XXXX, confirming that I had entered it, and I read her XXXX 's email. I have posted XXXX 's and XXXX 's emails to me below. XXXX then said she would check with the marketing department and call me back. She hasn't called. I'm not one bit surprised. This is more than just a bait and switch. Two BB & T employees lied to me. Unfortunately for them, I've documented EVERYTHING. My complaint should be forwarded to the Department of Justice as bank fraud under FIRREA, and the DOJ should act accordingly. XXXX : XXXX From : Customer Service Received : XX/XX/XXXX Good Afternoon and Welcome to BB & T Mr. XXXX! I appreciate you contacting us concerning the new account promotion and I will be happy to provide you with more information about it. First off, I would like to thank you for choosing us as your financial institution! Mr. XXXX, if you complete one of the following within 75 days of account opening you will receive the {$200.00} incentive : - Enroll in and receive two direct deposits of {$100.00} or more OR - Use U by BB & T bill pay to initiate three online payments of {$25.00} or more Please know that this offer is available for new BB & T clients who open a BB & T checking account and is limited to one incentive per household and does not apply to second or multiple personal accounts. Your account will be reviewed between 75 and 120 days of account opening and the incentive will not be provided to you if your account is not in good standing, is closed or has a balance of less than or equal to zero. The {$200.00} incentive will be paid within four weeks of account eligibility review. I greatly appreciate your patience and hope you receive your incentive soon! If we can be of additional assistance to you, feel free to e-mail us again. Thank you for banking with BB & T. We appreciate your business and hope you have a great day! XXXX, BB & T E-Mail Support From : Customer Service Received : XX/XX/XXXX Good Afternoon and Welcome to BB & T Mr. XXXX : I appreciate you contacting BB & T Email Support regarding a promotion for your account and I will be happy to assist you further. According to our records, your account is enrolled with the promotion code to receive a {$200.00} bonus. For further assistance, you may contact our following branch below and a relationship banker will be able to provide you with additional information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX I apologize for any inconvenience this issue may have caused. Mr. XXXX, if you have additional questions about your account, please email us again or call our Care Center at XXXX. The Care Center automated system can provide detailed information on your accounts 24 hours a day, seven days a week. Care Center specialists are available to assist you from XXXX XXXX. to XXXX XXXX, ET, seven days a week. Thank you for your business XXXX, BB & T E-Mail Support Have a Great Day!
06/18/2017 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Deposits and withdrawals
  • GA
  • 30296
Web
On XX/XX/XXXX a wire transfer of {$40000.00} from XXXX XXXX was wired to my account. On XX/XX/XXXX I called to make sure the wire transfer was approved. It was confirmed by a telephone rep that the wire transfer was approved and I could withdraw money from my account. I went to the BB & T bank located XXXX XXXX XXXX XXXX XXXX Georgia XXXX. I went to the teller and requested a cashiers check for {$14000.00} and ask her to make it out to XXXX XXXX XXXX XXXX XXXX. I also asked her to make out a cashiers check for {$23000.00} to XXXX XXXX, and and a cash deposit for $ XXXX.The teller gave me the withdrawal slips to fill out.Once the slips were filled out she picked up the phone and called XXXX XXXX . She stated that she had to get approval to release the money to me. Once XXXX was on the phone she asked me questions like where was the wire coming from, why were they sending me this money, what was I going to buy with the money, what kind of business was this, was this my buissness, was I sub contractors or actual contractors etc. I answered every question that they asked me. XXXX then went back 2 months in my account and noticed that my fiance use to have his paychecks Ach directly into my account. They ask me who he was and why his checks were going into my account. I told them who he was and that checks were to pay bills etc.They also informed me that it was against their company policy to do such actions. I told them I did not know it was. He had not deposit his paychecks into my account in about 2 months. After being interrogated for about 20-25 minutes at the counter the teller then tells me a lie and says that the wire was still pending. It could take up to 24 more hours for the wire to clear. I knew she was not telling the truth because I had spoke with a rep already and knew the wire was clear. She then directed me to XXXX XXXX. I explained to him that when I walked in the bank my account was clear and the wire was approved. I informed him that the teller just lied to me and told me that the wire was still pending. He picked up the phone and called XXXX XXXX. He asked her what was going on with my account. She informed him that she was going to place a block on my account for suspicious activity. It was said that I have never had that much money in my account. Even though I explained to her and the teller what the money was for verbally and I wrote it on the withdrawal slips as well. She also stated that it looks supscious that my fiance would deposit his checks into my account to pay bills. If she was looking at the account she would see that I was telling the truth. The history of this account shows bill payments. He asked her for a eta she said she did not have one and did not have to give me one. I asked if she could just deny the wire eventhough it had already been approved she refused. I then told XXXX that I feel as though they profiled me to be a criminal and they never had any intention on giving me my money. My fiance went to speak with his personal banker XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX to see if he could get the issue resolved. He informed her why he was depositing his checks into my account. She called XXXX XXXX to explain the situation but XXXX was not willing to listen. She thinks that we are both criminals. On XX/XX/XXXX I called BB & T corporate office to make a formal complaint as of XX/XX/XXXXno one has called me back, XX/XX/XXXX I called and made a formal complaint to their customer service department no one has called me back as of XX/XX/XXXX, On XX/XX/XXXX I filed a discrimination complaint with BB & T a to how I feel I was profiled and asked inappropriate questions on the day of XX/XX/XXXX. As of XX/XX/XXXX no one had called me back. On XX/XX/XXXX I emailed XXXX XXXX at XXXX and requested that he send me deposit availabity disclosure by Cob. As of XX/XX/XXXX nothing has been emailed over to me. My account has been blocked/frozen for no apparent reason. I am not a criminal nor have I ever been arrested.
06/12/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account status incorrect
  • MO
  • 63136
Web
Credit Reports show inaccurate reporting from XXXX XXXX XXXX. I spoke an Admin on XX/XX/XXXX and XX/XX/XXXX about the letter I wrote. Still there is no resolution to my credit report reporting deliquency on my car payment for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX? This letter is being sent to you in response to a computer generated, signed letter dated XX/XX/XXXX, letter received by Claimant from your office. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your office provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant. At this time I will also inform you that if your office have reported invalidated information to any of the 3 major Credit Bureaus, such as, XXXX, XXXX and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have ( 30 ) days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated. If your office fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately. Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
02/21/2018 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Incorrect information on your report
  • Account information incorrect
  • SD
  • 57105
Web
On XX/XX/XXXX, my husband and I paid in full a BB & T Continuing Line Of Credit ending in the numerals ... XXXX in the amount of {$980.00} ( Confirmation Number XXXX ). This transaction was made online, as we have moved to South Dakota since opening this account in Alabama and there is no local branch in SD. We asked that the account be closed after payoff. On XX/XX/XXXX, the line of credit appeared on our online banking BB & T website as : Credit Limit {$1000.00}, with a XXXX balance and XXXX payment due. Over the weekend of XX/XX/XXXX, we received a notice from our XXXX XXXX XXXX that " there was a change in our banking account status on XX/XX/XXXX. '' Our account had been reported to the credit agency as " closed by consumer '' with a {$980.00} balance. It was also named as a negative factor in our credit score. We called BB & T several times to inquire why erroneous information was submitted to the credit agency. In addition, we followed up with a letter to the BB & T in-house Message Center. We also told them our Credit Score had been negatively impacted. I spoke with the Credit Monitoring Agency, and was told it was a simple fix ... .that BB & T just needed to call and update with the correct information. The response of BB & T, after talking with them over a total of 3 hours, including wait time, was that it would be investigated, that an investigation with the Credit Reporting Agency would be launched, and the that most likely I would need to submit the information from the Credit Agency that this had indeed occurred, and was made to repeat the information about the confirmation number and related facts at least 5 or 6 times over the course of 2 or 3 calls. Each rep I spoke with had all the correct information : Account Paid off, Confirmation Number, Request for account to be closed, etc. We received a US Mail letter from BBT on XX/XX/XXXX showing that the account had been paid, but not closed, though I was told by BB & T reps that they had the information that a request to close the account was in their record. Since our Credit Rating was impacted by the error caused by BB & T, and since BB & T has verified they have all the information they need to correct their error in a timely manner, we feel that this should be done without delay. BB & T has also cancelled our debit cards without notification because of " Suspected Fraudulent Activity '' several times. We receive letters 2 to 3 weeks after the cards were cancelled that this had been done, with no explanation as to the origin of the supposed breach, When we have pressed for an explanation of where the breach occurred and other pertinent information so that we could avoid using the card in those locations, the answers were vague. It is our hope that we have not been singled out by BB & T for uncooperative customer service..Given their responses when we are forced to make inquiries, we feel that this may be the case. At one point, when we lived in Florida, we were made to wait 4 or 5 months to receive a reorder of checks, even though we regularly went into the bank and made inquiries as to the order. Answers such as, " We forgot to submit the order, the order was lost, we had to resubmit the order '' etc. etc. We have banked with BB & T for 20 years, successfully gotten car loans with a perfect record of payoff, etc and never encountered a problem. It has been within the last 3 years that the problems have occurred. We need the corrected information reported immediately to the Credit Agencies regarding our paid in full account with a request that it be closed. Though we were initially told the loan payoff could not be reported until the end of XX/XX/XXXX, it was in fact wrongly reported by BB & T on XX/XX/XXXX or XX/XX/XXXX according to the credit agency. If it was wrongly reported so soon after the payoff, it stands to reason that it could be correctly reported without delay. We appreciate your help, XXXX and XXXX XXXX
10/02/2016 Yes
  • Mortgage
  • Home equity loan or line of credit
  • Loan servicing, payments, escrow account
  • NJ
  • 083XX
Web Older American
I had an equity line of credit for {$180000.00} and a checking account with Susquehanna National Bank at one of their branches in XXXX, NJ XXXX. Both accounts had always been current. In XXXX, XXXX, Branch Bank & Trust Co. of XXXX, NC, bought Susquehanna and converted its accounts to BB & T accounts on XXXX XXXX, XXXX. On that date, Susquehanna sent me a final statement for the equity loan that showed a balance of {$160000.00}, a " past due '' amount of {$550.00} which was at that time not yet past due but represented the interest for the month of XXXX that Susquehanna would normally have transferred from my checking account by the end of XXXX. I also showed an " interest charged '' of {$55.00} which was the interest accrued for the first six days of that XXXX. On XXXX XXXX, BB & T sent me its statement for that equity loan and listed the " previous account balance '' as zero, but the proper credit limit of {$180000.00} and a " credit available '' of {$11000.00}. Deducting the latter from the former yielded the correct " previous balance '' of {$160000.00}. They also showed my " total payments '' of {$550.00} which they had deducted from my checking account on XXXX XXXX, just as Susquehanna would have done. However, the BB & T " account summary '' showed " total finance charges '' of {$420.00} and a " new account balance '' of {$160000.00} although this should have been {$160000.00}, or {$600.00} less. I noticed this difference only in late XXXX, XXXX, when I was questioning a mystery {$20.00} of " fees/charges '' that BB & T kept listing every month in the " Account Status '' just above that " Summary '', adding it to the " previous account balance '' and removing it from the " New account balance ''. My local " XXXX '' explained to me that this was a fee for removing the name of my late wife from that equity account, but that did not make sense because my wife had died in XXXX, XXXX, and I had informed Susquehanna of that within weeks of her death, so I found it strange that BB & T would charge me almost four years later for something Susquehanna had done long ago. Also, it turned out that the {$20.00} was actually two fees of {$10.00} each, as if my wife had died twice. I corresponded at length with my local XXXX about the {$600.00} added to my balance and found out that BB & T had added the {$55.00} of Susquehanna interest from the partial month of XXXX, XXXX, to its own interest of {$420.00} which it had listed as " total finance charges '' on its first statement. Together these two interest charges amount to {$470.00} which BB & T had listed in the " account status '' as {$470.00} as " current amount due '' with a due date of XXXX/XXXX/XXXX. Adding this {$470.00} to the reconstructed starting balance of {$160000.00} produces the total of {$160000.00} which BB & T showed as the " new account balance ''. However, this new balance ignored the " total payments '' of XXXX which I had made to pay the XXXX interest and which BB & T had deducted from my checking account and listed in the " account summary '' but without crediting this payment to my equity loan. If they had properly credited this payment to the equity loan, its balance would have been {$160000.00}. However, BB & T does not agree with this basic arithmetic and maintains that the {$550.00} did not need to be deducted from that balance. My local Branch Banker escalated this dispute to BB & T 's complaint resolution center, but the Senior Specialist there also told me wrongly, and in contradiction to all basic banking rules, that " '' Regular interest payments would not reflect as a deduction from the principle balance shown on your monthly statement. '' However, the " Principal Balance '' is each month the " New Account Balance '', and that number should reflect both the new charges for interst and cash advances as well as the payments I made against that balance. I want my {$550.00} payment deducted from that balance. Thank you.
07/15/2017 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Funds not handled or disbursed as instructed
  • NC
  • 27604
Web
On XXXX XXXX XXXX at XXXX XXXX I went to XXXX via XXXX XXXX XXXX. I ate lunch at XXXX 's for {$38.00}. My debit card was declined. I tried to buy a {$3.00} drink at another airport bar to see if it would be declined as well, I was about to board the plane to XXXX in a panic state. ( I only took one card because the trip was all inclusive and paid for in advance. ) I called my BB & T bank in XXXX, NC to ask why the card was declined since I know I had ample funds in the savings and checking. I even have a credit card with them with funds there. I was told to call the Fraud dept. I did and my call was dropped 3 times. When I DID REACH THE DEPT I had to answer 3 questions to verify my identity. The question was type in the middle XXXX digits of my social. Since there are XXXX numbers I was not sure because it did not work the first couple of times I tried it. I typed in both options and it would not let me in to talk to a person. I am single and the banks fraud dept put me in a dangerous compromising position! I did not think I needed my phone service so I did not get a phone plan for my trip.This might be why I did not get the banks call, to see if it was me using the card. I could understand better if I had left the country or if I was using their credit card. This was my money they put a hold on. We are put in a position where we have to protect ourselves from our banking institutions. ( This happend years ago with another bank and a work related trip in XXXX. During check out my card was declined.Lucky for me I had another credit card with me on that business trip. My bank said I needed to notify them when I go out of town. That is why I change to this new bank. ) How am I going to check in to my hotel with no card? What if I have an emergency or need funds beyond the all inclusive deal? ( Once before they called me at XXXX and woke me out of sleep to ask was I in possession of my card someone was using it. I had it in my purse. ) Why did n't the bank call me immediately? They did but I did n't receive the call. It did not show up on my phone right away. It was two days later that I was notified my account was unfrozen. I got home and saw the message after the trip. I went into the bank once I got home. I asked where it says : you need to notify the bank when you leave town. They said there is no policy like that, they simply suggest that you do so they can note it on your account. The manager said it is not a guarantee that you wo n't be declined. I was shocked! I told them they need a policy written on a large banner in the bank so we know this. They should put the info on the phone app and on the online account or website so we know this vital info. They keep the fraud dept phone number private and you only get it if you are declined or request it. My bank agreement says they can decline my card anytime if they think it 's fraud. So we are all being put in this dilemma. It could happen to you if it has n't already. I am requesting a policy and procedure change. They need to advertise : to let the bank know if you leave town. They need to say it 's not guaranteed that you wo n't be declined. They need to advise us to take an alternate credit card from another banking institution, at all times. ( But who wants their privacy or personal business known by their bank? It 's so invasive. I feel like they are my parents but I 'm paying their salary. ) I was informed there was no way to change the banks policy or procedures. That ca n't be true.All policy changes daily in all businesses. Please help me save others from their banks by changing the policy to make them advertise that your card is subjected to be declined if too many red flags show up during your transaction. Evidently the airport and the restaurant were red flags to the fraud dept. I travel all the time outside and inside the country, and it 's happened 2 times. Both were in the USA. Thank you for your assistance with my issue.
11/14/2016 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • FL
  • 349XX
Web Older American
I have been a customer at BB & T bank for a few years now, but In recent weeks, my account has been riddled with frivolous overdraft fees..The most recent overdraft fee was charged to my bank account simply for getting a refund from a company that charged me too much for a bill payment which was their error and thats why they refunded the amount they charged me that was over what my payment was suppose to be ... But whats worse than that is that another recent overdraft fee was initiated while this account had a positive balance and had been in the positive since a deposit on XXXX/XXXX/2016 took care of the previous negative charges and fees..This type of action i feel is predatory and abuse of the XXXX and is a desperate attempt to make money off of XXXX living on fixed incomes..I 've read horror stories about this type of thing happening to many XXXX, but now its happening to me and i 'm gon na talk about it for everyone to read..I only make XXXX from social security and another XXXX on SSI and i 'm XXXX years old and have to go look for more work because this isnt paying the bills ... And now this crook of a bank is trying to rip off what little i have and strangely enough, the overdrafts always seem to happen at the XXXX of the month when i recieve my payments..In my opinion, this bank is an embarrassment to finacial institutions everywhere due to the cut throat tactics it uses to make free money from what many consider to be fraudulent fees called OVERDRAFTS ... So i will not tolerate it any longer.. I am not sure how much good it will do, but I am contacting the the CFPB, The XXXX and The attorney generals office as well as the seniors versus crime department about this ongoing and desperate behavior by the BB & T bank and i will file a report with each of them when time permits ..I will not stop until i make this bank understand that they simply cant steal money from people like this because it destroys homes and affects more than the person they are targeting and are stealing the money from..And i use the term " stealing '' because it wasnt earned, it 's just exploitation of the legal system called a " loophole '' to steal and its masked as an " Overdraft FEE '' ..I simply will not continue dealing with the ignorant retaliatory behavior exhibited by BB & T because This is all happening since i filed a XXXX report on the incompetence of this bank that led to my credit report being hit with XXXX hard inquires when it should have only been XXXX hard hit and i feel the loan specialist should have used her common sense and realized that my application was not going to be approved after i had no collateral to offer or any other type of security to qualify for the type of loan me and my son was attempting to acquire..I have had loan specialists in the past that advised me to stop the application midstream because they thought it had no chance of being approved and they didnt want me to have an unnecessary hard hit on my credit report ... And after answering " NO '' to just about every question asked of me and my son by the loan specialist, she knew very well that the application would not be approved for a loan and obviously submitted the application twice for me and my son to both receive XXXX hard hits on our XXXX credit reports..Going thru this nightmare with the BB & T bank is causing much distress to myself and i 'm too old to have to deal with ignorance from a place that is suppose to pride itself in customer service..I will make it a mission to expose to everyone the way this bank has continually ripped me off so that they can stay clear of BB & T or more people can speak out about the practices of this bank as well ... I along with my son will make posts on every complaint website we can find to warn any and everyone of the business practices of BB & T so that they will at least be forewarned of what i consider should be called `` Bitter Brutal & Terrible bank '' ( BB $ T ).
04/10/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • TX
  • 76132
Web
Since XX/XX/XXXX, it appears Regional acceptance has not been honest with me regarding my balance, the balances due, interest accrual and what my payments are applied while at the same time not providing me with statements. I have spoken with several reps and each provide conflicting information and confirmed they were not sure what the fees were. If reps for Regional Acceptance are not aware of what the fees were for how could the customer. A representative recently contacted me and indicated my account was 50 day past due and the amount of {$1600.00} due. This balance confused me since my payments are {$440.00} a month. I asked the representative what made up the {$1600.00} and the rep did not know. the rep indicated she would research and call me back. She did n't return my call but other reps continued to call and I would ask them what made up the {$1600.00} since my payments were {$440.00} a month and each would indicate they were fees but could not provide information on what the fees were and the amount of the " fees '' s. Saturday, XX/XX/XXXX, I spoke with a rep name XXXX who informed me that the {$1600.00} due was made up of {$120.00} remaining from XX/XX/XXXX, {$440.00} for the months of XXXX, XXXX and XX/XX/2017, {$21.00} in late fees and {$150.00} in check fees. this is a total of {$1600.00}. I asked was this all the fees. XXXX indicated yes and this is why {$1600.00} was due. I then asked about the {$450.00} payment received on XX/XX/XXXX, the {$900.00} payment received on XX/XX/XXXX and the {$400.00} payment on XX/XX/XXXX. XXXX confirmed receipt of the payments but indicated those payments were applied to the separate interest that runs at the same time as the interest on this account. XXXX confirmed the {$900.00} and the {$400.00} payments were not applied to the interest, the principal of the loan, the late fees nor the returned check fees but to some other interest that I was never informed of. I spoke with a rep today in client services named XXXX who again provided different information and indicated that my account had been delinquent when I accepted a defferment of 2 payments in XX/XX/XXXX and payed {$230.00}. In XX/XX/XXXX, my account was 2 months behind and a rep contacted me and informed me that a little over {$1000.00} was due. He said I could resolve by doing the differment and paying {$230.00}. He indicated my account would be current. However, XXXX informed me today that those actions did not bring my account current and that {$1000.00} was due in XXXX. I have spoken with a representative of regional each month and I was not informed of this delinquent balance or this other running balance of interest until XX/XX/XXXX when I spoke to XXXX. Also, the rep I spoke with in XX/XX/XXXX used the phrase 'this will bring your account current ''. this lead me to believe the account was update and there was not a balance due at that time. however, XXXX indicates today that was not correct. Also, when I spoke with a representative on XX/XX/XXXX and paid {$450.00}, the representative did not indicate I have a {$1900.00} balance. However, XXXX informed me today, that was the amount that was due at that time. Representatives have been misleading and/ or untruthful or was not well versed in the information they were providing. also, I have not been provided statements so I can monitor balance. Should n't the representative be honest with me about my account and the balances and the amounts due. I believe they have a fiduciary responsibility to do so and to provide me with visual statements for my account. Please assist in this matter as I have been mi-slead for an entire year about my account and balances. also, my payments are not being applied to the interest, principal, late fees, or returned check fees but rather something else. I also spoke to a supervisor in collections named XXXX whose only suggestions was that I can create an online account for statements.
01/13/2018 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Applying for a mortgage or refinancing an existing mortgage
  • GA
  • 30127
Web Older American
On XX/XX/XXXX I made application for a {$300000.00} HELOC at a BB & T branch located at XXXX XXXX XXXX, XXXX, GA XXXX. XXXX XXXX, Assistant Vice President ( XXXX ) is the person that assisted me through this process. I have a current interest only HELOC in the amount of {$290000.00} with another bank which moved to a 4.50 % interest rate in XX/XX/XXXX. BB & T was/is offering an interest only rate at 2.99 % which will save me several hundred dollars per month for the 12 month promotional period. As a part of my application, I provided my complete XX/XX/XXXX tax return, a copy of my spouse 's Social Security benefit amount for calendar year XX/XX/XXXX ( Form XXXX ), a copy of my Social Security Administration Retirement Notice of Award which stated the date that my Social Security Benefit would begin along with the amount ( XX/XX/XXXX ), a hard copy verification of my spouse 's Pension Benefit from the XXXX Retirement System of Georgia, a copy of my current 401 ( K ) balance ( ~ {$510000.00} ) and a copy of my current IRA balance ( ~ {$150000.00} ). I also advised that I retired from a 35 year career in XXXX XXXX effective XX/XX/XXXX. My debts are a second home that carries a mortgage payment of $ XXXX/month, a charge card with a balance of ~ {$20000.00} and the {$290000.00} HELOC. Between my spouse and I, we have a charge card credit limit of ~ {$90000.00}. My spouse has a credit score of XXXX, I am at XXXX. It is my intent to sell our primary residence in 2-3 years therefore, I have gone the HELOC route, rather than a mortgage, as a way to finance the debt on the home. I have done this the past 3 years and have encountered no problems, up until now, in the application/acceptance process. However, this attempt has been denied as BB & T has indicated that my Debt-To-Income ratio ( DTI ) is too high. What has changed from my previous application periods is the fact that I am now retired. However, I spent my 32 year career saving enough to where I felt that, along with two Social Security incomes and a XXXX 's pension, our family could draw more than enough from our 401 ( k ) and IRA funds to meet whatever monthly obligations we incurred. BB & T indicates that the 401 ( k ) and IRA accounts can not be used in determining income. I am filing a complaint against this decision as I believe that the eRegulations, specifically Regulation Z, Appendix Q, Parts 10-26, address that 401 ( k ) and IRA balances are allowed to be considered as income if there has been a demonstrated history of consistent withdrawals from those accounts. My XX/XX/XXXX Federal Tax return showed ~ {$77000.00} in distributions from these retirement accounts. Although I had my XX/XX/XXXX Federal Tax Return with me at the meeting, it was deemed not necessary at the time of application. However, it also shows retirement distributions at a similar amount. I will not be filing my XX/XX/XXXX tax returns until XX/XX/XXXX so I do not have that document to provide as evidence for calendar year XX/XX/XXXX. But I do have statements from my IRA showing withdrawals for that year. It is not clear to me in the regulations exactly how long this " history of withdrawals '' must be but other web-searched articles range from as little as two months to as much as two years. My record is now 3 years. If you consider my XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX retirement plan withdrawals as a demonstrated source of income, then my DTI is well under what is being required. I have had multiple discussions with XXXX XXXX regarding my position. Although he is in support of my belief, he has not been able to obtain an answer from his underwriting team regarding my appeal of their decision. Because I feel that the Dodd/Frank regulations support my assertion as to my credit worthiness, I am filing this complaint with the Consumer Financial Protection Bureau in the hope that a resolution may be obtained. Regards.
06/04/2016 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • TX
  • 770XX
Web
I had opened a checking and savings account with BB & T in XXXX, TX as part of a student promotion. I had submitted my personal information to the banker together with the forms required to open the account. The forms that I submitted include Account Enrollment Form, BB & T signature card form, Overdraft Decision Form. The account enrollment form was signed and given to the banker by me when she came to the university to open the account. However, the BB & T signature card form and overdraft decision form was mailed to me by the banker and I filled it, signed and sent it back by US mail around XXXX XXXX 2015. While opening the account, the banker did not provide me with any other details regarding my account. However, around XXXX XXXX 2015, there was some fraudulent activity that occur ed in my account which I came to know through overdraft notices received in the mail. I immediately notified the bank about this and they closed my account around XXXX XXXX 2015. I filed disputes with the bank regarding the fraudulent activity in my account. I filed complaints with the XXXX police department and USPS mail theft division. I submitted all these reports to BB & T to aid them in the dispute investigation process. The outcomes of the dispute I had filed with the bank was not in my favor. They rejected my dispute claim saying that the account opening process was all done according to their procedures. I was not satisfied with the response given to me and I went personally to the bank to request all the forms that I had submitted to them during the account opening process. The banker gave me a copy of the BB & T signature card form and to my shock, I noticed that the form I had submitted to the bank was different from the one they had in their system. The bank claims that my account was opened on XXXX XXXX, 2015 and they gave me a copy of the BB & T signature card form with my signature and date as XXXX XXXX, 2015. However, I did not sign and mail these forms to the bank till XXXX XXXX 2015. I came to know that the actual form I sent to the bank was not in their system and they had a different form in their system with a different date. All the dispute investigations have been based on the forms that they have in their system and not the ones I submitted. I had requested the bank to give me all the forms associated with my account as I feel that all my personal information has been misused. The forms that I had requested the bank include : 1. Account enrollment form, 2. BB & T signature card form, 3. Overdraft review decision form. The banker told me last week that she has put in a request to obtain the other forms and it will take around 2-3 business days to get these. However, this week I received a call from another banker saying that they can not give me the forms and asked me to contact their legal department to obtain them. The banker told me that she does not have access to the forms. I questioned this statement, asking how another banker whom I was talking to last week was able to put in a request to obtain the forms and now she is telling me that they do not have access to it. This banker does not have a answer to my questions. I was persistent to obtain a copy of the forms for my record and this banker refused to even talk to me. She kept saying she has nothing to talk to us and we have to leave the place. My questions to her were : 1. Why does the branch not have a copy of the forms I submitted to them to open the account? They should have a file for me in the branch and that file should contain the forms.If so, why are they not willing to give it to me? When they can give me a copy of one of the forms, why not the rest? 2. How come one banker I was dealing with last week was able to put in a request to get the forms and suddenly this week, their procedure changed and they can not provide me the forms and I have to contact the legal department to get it?
10/25/2016 Yes
  • Mortgage
  • FHA mortgage
  • Application, originator, mortgage broker
  • NC
  • 28601
Web
I applied for a mortgage from BB & T bank the first week of XXXX 2016. They had a complete appraisal and a substantially complete application packet by XXXX XXXX. Despite my aggressive efforts to answer any questions they might have, they did not approve or deny my application by a deadline of two weeks beyond the initial closing date of XXXX XXXX, 2016. This date, approximately XXXX XXXX, 2016, was a deadline at which the seller had the right not to continue the contract. The seller stated that they would extend the contract only if I agreed to pay an additional {$1400.00} to purchase the house. I was forced to agree to the extra {$1400.00} because I had already spent approximately {$1300.00} on a home inspection, an appraisal, earnest money and an inspection by a structural engineer, the last of which the bank required at my expense. As of late XXXX, the bank still had not given me an answer. As a result, I found it necessary to apply at a different company, XXXX XXXX mortgage, which approved me for a mortgage, in less than 30 days. BB & T representative XXXX XXXX told me that the bank would give me an answer as soon as possible. The only official response I have received from the bank is a government required form with a box checked that indicated that the loan was not granted due to insufficient collateral. I have asked the bank for an explanation in writing of why the mortgage was not granted. As of this date, XXXX XXXX, the bank has not provided any explanation in writing. As a result of this bank 's actions and inaction, I lost {$1400.00} due to the price of the house being raised, and I had to pay an additional XXXX months of rent at {$510.00} per month due to having to wait XXXX additional months to move into the house. I have strong reason to believe that the bank 's handling of my mortgage application is part of a pattern of illegal activity undertaken to prevent risk at the expense of mortgage applicants. It appears that the bank used an appraiser who went far beyond the appropriate task of an appraiser in order to lowball his appraisal. His appraisal of {$93000.00} was about {$10000.00} less than an appraisal done by XXXX XXXX mortgage which yielded appraisals of {$100000.00} and {$100000.00} using XXXX different appraisal methods. It is my belief, that the bank used this lower appraisal amount so that it could deny the loan due to insufficient home to loan value. It is also my understanding that this appraiser was not chosen randomly but was chosen specifically for this purchase. The mortgage officer involved in this application, XXXX XXXX, is renowned in this area for extending mortgage application periods to the extent that applicants give up and switch to another company, and in so doing incur tremendous expense and/or lose the opportunity to purchase homes. It is my strong belief that BB & T is involved in a pattern of deceptive trade and financial practices designed to insure it against risk while covering up its actions by appearing to give legitimate reasons for denying a loan. In my case, well after the closing date had passed, the bank raised the issue that the house had a carport which was unsafe and needed to be removed, but that removing the carport would decrease the home 's value to the point where the collateral would not be sufficient to make the mortgage.This opinion that the carport was unsafe, contradicted the conclusions of a structural engineer, which BB & T required me to hire and pay for. The bank would not allow me or the seller to make any arrangements to remedy the situation nor did they engage in any meaningful dialogue in an effort to resolve the situation and approve the loan. XXXX XXXX, indicated that the bank had committed wrong, and BB & T paid for the expense of the appraiser, the home inspection and the structural engineer. However, I have still lost an additional {$2400.00} as a result of their conduct.
11/10/2015 Yes
  • Mortgage
  • FHA mortgage
  • Credit decision / Underwriting
  • GA
  • 30519
Web
I applied for a home mortgage with BB & T on XXXX/XXXX/2015. My settlement date was scheduled for XXXX/XXXX/2015 -- a significant amount of time for a mortgage lender to provide a credit decision. This contract period was designed specifically to allow the lender time to complete extra due diligence for the type of loan program I was pursuing ( XXXX ), as well as alleviate any challenges they could possibly face by having an end-of-month rush XX/XX/XXXX. I have previous experience as a Mortgage Loan Originator, so I understand what documentation and promptness it requires on the borrower end to get a mortgage approved in a timely fashion. Throughout the process with BB & T I submitted thorough documentation, and never once did I take more than 24 hrs to provide additional requested documentation. Despite having 62 days to complete the loan process the lender did not begin pursuing the initial underwriting phase until after 40+ days of possession of the file. Even after going to underwriting it took 12 days to get a response of the initial loan conditions -- something that takes 2 days typically. I communicated frequently with BB & T that there was insufficient time to complete the approval process at the pace they were moving and nothing was done to speed things up. A XXXX loan requires 3 things : 1 ) Approval of an FHA Loan by the lender, including provisions for the XXXX program overlays. 2 ) After approval, the loan goes to XXXX for review and approval 3 ) The loan is sent back to the lender for closing and funding. BB & T is fully aware of this process. They did not manage to send the loan to XXXX until the end of our scheduled closing date, and it is currently still held at XXXX today, XXXX/XXXX/2015. The causes of this are nothing more than mismanaged time and inattention to detail. Perhaps due to the fact my loan was not large enough to warrant significant attention ; I do n't know. There was XXXX minor issue on the loan that required last-minute documentation ; these documents were requested XXXX/XXXX/2015, and promptly provided XXXX/XXXX/2015. This XXXX minor issue can not be blamed for holding up the loan approval process, as this should have been visited at least 10-15 days prior. BB & T 's negligence and failure to act in my best interest have caused me not only distress, but additional costs which can not be recouped. I also used all my vacation time from work to complete a move that was supposed to begin 5 business days ago, so I 've depleted my resources as well. It 's not about the money or the inconvenience however, because I know everyone has their own sob story. It IS about the fact that my loan approval process clearly did not matter to BB & T, and any ramifications of their shortcomings to provide a quality service were not of importance to them. If I could see ANY evidence that BB & T at least gave me their best effort to provide a timely closing I would take no issue. I understand things come up, and real estate settlements frequently do not go according to plan. This is not the case however. BB & T has not shown me a best effort, or even a " good '' effort, towards closing on my required date. No urgency was applied to my loan until within 5 business days of the scheduled closing, which was too late given the fact the loan file had to be sent to a third party. I am not even certain I take issue with any XXXX person at BB & T necessarily. I am however supremely dissatisfied with their failure as a mortgage company, and I am certain that not ALL substantially similar borrowers are experiencing what I have, nor ALL XXXX loan applicants. No one can give me a justifiable explanation why MY loan has gone this poorly. If BB & T is a mortgage lender they need to be fair and responsible. I was treated unfairly, and even more importantly BB & T has acted irresponsibly which is unacceptable for a financial institution.
07/05/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • MD
  • 208XX
Web
On XXXX XXXX, XXXX, we received our annual Escrow analysis from our lender BB & T Bank. We noticed that there was an escrow shortfall of approximately {$670.00} noted in the analysis. Our analysis projects a shortfall but in an amount less than {$100.00}. We had a similar situation last year but paid the {$190.00} shortfall in order to keep our payment uniform. In this instance and because of what appeared to be a large PROJECTED shortfall to escrow, we chose to carefully study the Escrow Analysis presented. What we could quickly see on page XXXX of the analysis where actual payments are listed ( as the basis of the new analysis ) was that for both XX/XX/XXXX and XX/XX/XXXX, only interest was posted and no escrow payment. Further, we noticed that for XX/XX/XXXX, a double escrow payment is posted accounting for XX/XX/XXXX but XX/XX/XXXX, there is no similar double payment entry accounting for the lack of payment posted in XXXX XXXX. Our review of the figures presented concluded that only 11 payments were posted in the 12 month Escrow statement which translates to a shortfall in the projected starting balance for the XX/XX/XXXX / XX/XX/XXXX years analysis and ultimately, creates an artificial shortfall below the projected low point ( PLP ). We contacted our lender by phone, explained what we were seeing and spoke with XXXX-different representatives since XXXX XXXX XXXX. None of the representatives displayed a true willingness to try and understand what we were saying and walk through the Escrow Analysis. We have been told things by the various representatives that just are not true almost to the point of trying to confuse or mislead us in our own interpretation of the analysis presented. Finally, in frustration, we submitted a written complaint to the BB & T CEO hotline. Included in our attachments is the written response from BB & T dated XXXX XXXX, XXXX which does not address the inconsistency in the Annual Escrow Analysis of reporting only interest and no escrow payment for the month of XXXX XXXX and no double escrow payment posted in XX/XX/XXXX to account for the XX/XX/XXXX ( similar to what BB & T did for XX/XX/XXXX, accounting for XX/XX/XXXX ). They do not explain why the analysis only contains 11 payments instead of 12 as we are required to make in a calendar year. Also included from BB & T is our " Consumer Account Activity Statement '' which shows all payments made and interest posted to the account with the corresponding dates payments were processed. Upon review of this statement, we are able to quickly see that there were two ( 2 ) actual escrow payments made in the amount of {$580.00} ( totaling {$1100.00} ) XX/XX/XXXX ( along with interest in the amount of {$2.00} ). When you go to the Annual Escrow Analysis and look at the posting for XXXX XXXX, the amount noted reflects only one ( 1 ) escrow payment for {$580.00}. This amount of {$580.00} is the missing escrow payment. This is the basis for the escrow shortfall, because both of the XXXX XXXX payments are not posted in the Annual Escrow Analysis. We have prepared and enclosed an excel spreadsheet which compares the actual payments made vs. payments as noted in the annual escrow analysis. You will see that there is an inconsistency in the month of XXXX XXXX ( which we have marked in red ) when compared to the Annual escrow analysis. We are asking for your assistance as it seems that our lender has made an error ( unless we are mistaken ) on our analysis but will not admit it. Further, if this analysis practice was used with all of the BB & T Escrow analysis mailed out, there would be a significant revenue advantage for the lender AND a practice that is completely unacceptable. We are hoping that our complaint will not come with retaliation from our lender, but will generate a true business like response with an explanation ( that can be proven by simple math ).
11/17/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • TX
  • 75602
Web Servicemember
I am formally requested that XXXX XXXX XXXX XXXX Regional Acceptance Corp # XXXX validate all tradeline notations they have submitted to the major credit reporting agencies on XXXX/XXXX/XXXX by '' Regional Acceptance Corp '' for me, XXXX XXXX XXXX XXXX for account number ( s ) Regional Acceptance Corp . This charged-off account is not mine, I never had an Regional Acceptance Corp that charged-off ( XXXX ) times, and if this alleged debt was mine, no original creditor or collector can show a charge off several times legally month-to-month re-aging purposely this account. FCRA 621 ( c ) ( 1 ) ( B ) ( 3 ) damages of not more than {$1000.00} for each willful or negligent violation ; and FACTA 312 ( d ) ( B ) Under FCRA 1681i and FACTA 312 you have continued to report a charge off month after month on my credit reports. We both know once an account is charged off the balance should go to {$0.00} and your insert this in to your profit/loss reports and you can not continue to report the said account as " charged off '' from there forward. By doing this you are considered re aging the account and have willfully violated FCRA 621 ( c ) ( i ) ( B ) ( 3 ) and are now exposed for ( xX {$1000.00} ) for the ( XXXX ) months you have violated my rights. Now we can settle this matter now or I can seek legal remedies by contacting XXXX XXXX, national FCRA/FDCPA Attorney, Thrift Supervision, OCC, and my XXXX or you can delete the above account and we all move forward. I look forward to your timely response - XXXX Consumer Due to possible inaccuracies in these CRA reports, I must demand that the validation/verification I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. A copy of the consumer credit contract is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. XXXX XXXX XXXX. XXXX XXXX, XXXX Haw. XXXX, XXXX XXXX XXXX ( XXXX ), XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , ( XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, ( XXXX XXXX ), and XXXX v. XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ). and XXXX v. XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX. XXXX ). And yes, banks/lenders fall up under the The Freedom of Information Act ( FOIA ), 5 USC 552. section 47, XXXX XXXX XXXX XXXX. 1976, 539 F 2nd 174 U.S. App. D.C. 172 Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation, consumer protection encumbrance which incurred the original claims associated with this trade line. Please know that you have 7 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative trade line notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. There is no 180-day marker to justify a charge off status ( 48 ) times under the FCRA which is inaccurate reporting .Please prove the creditor/bureau is not violating my rights under FCRA-FCBA? 306. Billing practices The Truth in Lending Act ( 15 U.S.C. 1601-1665 ) When notified of a dispute about information furnished to a CRA,? 1681s-2 ( b ) obligates a person to conduct an investigation
11/17/2015 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • NC
  • 28117
Web
We are filing a complaint against Branch Banking & Trust for violating RESPA and other regulatory guidelines by failing to notify us 60 days in advance that our five year balloon, second mortgage, was due to mature. Actual notification, via mail, that the loan had matured occurred 60 days after the loan due date had expired. Due to their negligence in notifying us the mortgage was due to mature, we are now facing a foreclosure hearing notice from BB & T with a court date set for XXXX XXXX. Their unwillingness to acknowledge this regulatory violation, their refusal to accept our monthly payments, or work with us in modifying this loan has left us with few options and caused a major financial dilemna for us. We have XXXX mortgages with BB & T and have never missed a monthly payment in nine years until this failure occurred. 1. RESPA Violations - Our 5 year balloon mortgage matured without prior notification in XXXX. BB & T failed to notify us in any manner until two months after the mortgage had matured, in XXXX, that we must pay the balance due or face foreclosure ( Docs attached ). This was a blatant violation of RESPA guidelines that the bank failed to address despite our repeated efforts to bring it to their attention throughout multiple departments and executives within BB & T. We spoke with the Loss Mitigation Department, several representatives in the Foreclosure Department, XXXX XXXX, XXXX XXXX and Legal Practice Group Manager Mortgage & Retail Lending for BB & T , and XXXX XXXX , foreclosure attorney from XXXX XXXX XXXX XXXX Law representing BB & T ( documents attached ). We believe this has been an intentional effort to ignore or even acknowledge what BB & T knew to be a glaring violation of federal RESPA guidelines carrying hefty fines. We believe they are engaging in predatory practices to intentionally foreclose on our property by refusing to acknowledge these failures and cover up any wrongdoing. 2. Continual Monthly Invoicing - BB & T has continued to invoice us every month after the mortgage had matured with the standard payment of {$550.00} along with additional late fees and interest charges, despite their refusal to accept our payments. When we made payments at the local branch, they were returned ( documents attached ). In our nine years as a BB & T client we never failed to make our monthly payments on time with either mortgage we hold with BB & T ; We constantly requested an answer why BB & T was invoicing us but not accepting payment, we received no answers from any representatives in the Loss Mitigation Departments who we were forced to deal with. We have felt very intimidated and isolated throughout this ordeal, we believe these continual predatory practices of monthly invoicing for mortgage payments, late fees, and interest charges they refuse to accept, is an intentional effort to intimidate us, run up the loan balance, and make our loan look more delinquent than it actually is. BB & T 's failures and tactics have negatively affected our credit rating and have made it very challenging to obtain credit with another lender to refinance this loan. 3. Predatory Interest Rate - BB & T financed our five year balloon mortgage is XXXX %. In XXXX, the average rate for a five year balloon mortgage was under 5 %, a 30 Year Fixed rate was only XXXX %. Our rate was far above the industry average. We felt very misled and taken advantage of. If they had signed us to a fixed rate this situation would never have occurred. At signing, our loan officer indicated that we could refinance in the future for a lower rate. This seemed predatory to us, but at the time we needed to sign the documents and hoped to refinance soon thereafter. We can no longer continue to appeal to BB & T and expect them to admit to their violations and correct the mistake on their own authority. Thank you for your help in advance.
09/27/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • MS
  • 39194
Web Servicemember
We are writing to report a financial company we believe has some sketchy practices. We have excellent credit with our credit scores regularly running in the 800s. We monitor our credit regularly and as with any purchase we make through financing we always check our credit reports before applying for any loan.On XX/XX/2018, we reviewed copies of our credit reports before we applied on-line that evening for a loan through XXXX XXXX website to purchase a Mower at 0 % interest. A confirmation page came up : You will receive an email within 30 minutes of your approval or denial. After 30 minutes, we received a form email, which stated that we needed to call and help them with some information to finish the application. The next day on XX/XX/XXXX, I phoned ( XXXX ) XXXX, option 1 and spoke with XXXX at XXXX. He did not ask for any information except for the Application number and quickly said Your loan was approved. I asked for what rate. He said 0 % at 48 months. I said we wanted 0 % for 42 months. He said, Youre approved for that, too. I then asked what next. He said to go to the dealer. Bring your Drivers License with you. The dealer will call us up. I telephoned back at XXXX and spoke with XXXX to request written confirmation of our approval and terms. He said that we dont do that. I asked how I would know the rate and terms. He said that all would be handled through the dealer when he called into XXXX. I also asked if that was all that we had to do and he said, Yes. I remarked that was easy and thanked him. After learning through the dealer that the financing price was higher than the cash price, we decided to pay for our purchase with cash. On XX/XX/2018, we notified XXXX XXXX we no longer needed their financing. I phoned and spoke with XXXX at XXXX. He said Fine. I asked if I needed to do anything else and he said, No. Youre fine. Nothing needed from you. Youre okay to go. We also followed up with a letter to them via U.S. P. S. and an email. The next day, we each received a general form letter dated XX/XX/XXXX, the date we were approved and was contrary to our conversations/terms with them : Dear Applicant : Thank you for your application. We are unable to offer you credit on the terms you requested for the following reason ( s ) : Type of Collateral Requested. Unable to verify your identity. Instead we were given a counteroffer of : We can, however, offer you credit on the following terms : With acceptable proof of identity and With information as to collateral requested. If this offer is acceptable to you, please notify us within 10 days at the telephone number listed below. Our credit decision was based in whole or in part on information obtained in a report from : XXXX. Your credit score XXXX. Score ranges from low of XXXX to high of XXXX. We immediately sensed a scam based on the following : We never ever requested any terms for the loan. The application never asked for that. It just asked for the amount of loan requested. We were approved for {$7500.00} by phone by terms they provided. There was never ever any mention of collateral in any application or telephone calls with them. Our credit scores with XXXX were XXXX for me and XXXX for my husband on XX/XX/XXXX. Our identifying information was provided on the application. The credit reports confirmed our identities. And then we were evidently denied after we didnt use their financing. And if there was any need for proving our identities and providing collateral, why wasnt this mentioned in our three telephone calls with them. Please note that they supposedly record their telephone calls. We are not requesting any reparation. We sense something amiss with XXXX XXXX 's practices and think an investigation is in order. We sense unfair and deceptive business practices occurring and we are sending this information about suspected illegal business practices.
03/26/2017 Yes
  • Mortgage
  • Home equity loan or line of credit
  • Settlement process and costs
  • GA
  • 30157
Web
1. On the advice of a branch executive at the XXXX branch, we decided to refinance our existing second mortgage to reduce the interest rate from 7.8 %. 2. We started the process with XXXX, the market leader at the same branch, in XX/XX/XXXX requesting to borrow $ XXXX. Part of this was to pay-off the 7.8 % second mortgage, and the remainder we would use to do some work in our backyard. 3. XXXX told us that that we would not be responsible for any finance charges, points, closing cost and appraisal fees. 4. Later we were then told that underwriting requested documents from XXXX. because of an old timeshare loan that was still showing on our credit report as current, even though we had, through our lawyer, filed documents relieving us of the responsibility ; we provided whatever was requested. 5. This loan was taking so long we contacted XXXX, XXXX manager, who promised to determine what has delaying the application, and do what was required to get it completed. 6. XXXX told us that an appraisal was necessary, and the " desk appraisal '' came in lower than market value. 7. We then were informed that the amount we were approved for was ONLY $ XXXX because of the appraisal coming in at $ XXXX, and the difference between what we owed, approximately $ XXXX, and 80 % of $ XXXX. Definitely not what we expected. 8. We were told the process would start with a HELOC that we could pay interest only for 10 years at a very low rate before the principal payment would start. We wanted a fixed rate for the life of the loan. We discussed this with XXXX who informed us that she would " term it out '' at a fixed rate of 3.39 %. This would happen after the 3 days right of rescission, and the funds were taken from the HELOC. 9. We had asked prior to being given a date for closing, that a copy of the " good faith estimate '' be sent to us, but our banker did not know what that was. We the asked for a breakdown of the new loan that we could review prior to the closing, but XXXX was unable to provide the information. 10. We signed the HELOC, and at the time of signing XXXX and I asked the pointed question about the interest rate. XXXX again told us it was 3.24 % on the HELOC, then once we used the funds that would convert to the FIT@3.39 %. 11. On XX/XX/2017 I transferred {$25000.00} from the HELOC to pay-off the high interest 7.87 % second mortgage, moved the balance of {$7600.00} into checking account ending with XXXX to be used to pay for the work on our backyard. 12. On XX/XX/2017 I visited the bank to discuss the " royal mess '' that had been created by some gross incompetence from the banker. The payoff amount that we made online that we thought would pay-off the {$25000.00} mortgage was applied but the account still showed a balance of {$120.00}. The HELOC also showed a balance of {$40000.00}, and the FIT was showing {$33000.00} already used. 13. XXXX called and received instructions from another banker, and she again made payment of {$25000.00} to the second mortgage account and reassured me that she would fix the " mess '' she created. Just before leaving she tried to explain, " this is the first I am doing this and thank you for being so patient with me ''. I left the bank feeling as if my wife and I had made the biggest mistake in allowing this banker to handle our financial future. 14. On XX/XX/2017 the bank called to alert us that we had made a payment of {$25000.00} on the second mortgage even though our existing balance was {$120.00}, and wanted to determine how we wanted the overpayment refunded to us. My wife called me immediately to alert me. 15. I visited the XXXX to talk with XXXX or another banker about our experience, and to get some resolution as our second mortgage is in a total mess. I spoke with XXXX who escalated our concerns. to date no call from any bank official as promised.
09/25/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • KY
  • 40299
Web
I am overwhelmed with the predatory actions and lack of customer service or responsibility for the following actions performed against my account at BB & T. I have a checking account with BB & T, where I use a BB & T credit card as overdraft protection. I most recently utilized overdraft protection from my credit card to my checking account on XXXX and XXXX XXXX ( Refer to attached statement ). At that point I had held an available card limit of {$9000.00} with a balance of ZERO. There were no issues with the transfer from my credit card. I needed to use my overdraft protection credit card again on XXXX/XXXX/XXXX, but the advance did not occur and I incurred a {$36.00} fee ( see attached statement dated XXXX/XXXX/XXXX ). I obviously had no idea the transfer had not occurred, having used my credit card without issue on the previous month. On XXXX XXXX, XXXX I looked at my account online and was shocked to find numerous overdraft charges. For each occurrence, nothing transferred from my credit card. The erroneous fees assessed are listed with " stars '' on my account and total {$1500.00} from the XXXX/XXXX/XXXX statement. XXXX XXXX {$1600.00} XXXX including XXXX charge ). I immediately called XXXX 's Customer Service Department on XXXX/XXXX/XXXX. The Customer Service Department was unable to determine why the credit card did not advance as needed and recommended that I speak to the Credit Card Customer Service Department. XXXX. For four days ( XXXX, XXXX, XXXX, XXXX ) I called consecutively to determine why the transfers had not occurred since I had nearly {$9000.00} available on the account. Each time I was told that the matter had been escalated to tier 2 research and someone would get back with me. On XXXX I could see I had a credit card connected to my account. After making the phone call to XXXX on XXXX, the credit card was removed from my online view of the credit card on XXXX. This was very puzzling to me. Each time I called I received the same consistent message that the matter was being researched. After much frustration, on XXXX I insisted to speak with a Supervisor. I spoke with XXXX XXXX where he advised me that my credit card had been closed for inactivity!!! I asked when XXXX planned to tell me that, since I had just used the overdraft protection on XXXX. I was told that XXXX had chosen to close my card for inactivity at the end of XXXX. I asked when XXXX had planned to TELL ME they were closing my account, and he said a letter was mailed to me on XXXX/XXXX/XXXX ( which I have attached ). I asked XXXX XXXX how I was supposed to know that I no longer had overdraft protection in XXXX and XXXX since I had not been notified. He had no response for me. I was told if I wanted my overdraft protection reinstated I would have to reapply. I told him that would not be happening and I wanted the {$1600.00} in overdraft fees refunded. XXXX XXXX told me another department would be handling this matter because he was in the Credit Card department. So he assured me that I would hear from someone no later than Monday, XXXX XXXX ( XXXX week from my previous complaint ). As of today, XXXX XXXX I have received no return phone call from XXXX AND no fees have been refunded. I am officially disputing these fees. I believe these fees define PREDATORY, and XXXX 's inability to do what is right for a consumer. I spoke multiple times ( and I encourage recordings to be retrieved of my phone conversations requesting that my overdraft protection be reinstated and fees reimbursed ). I believe the CFPB was created to help individuals like me from being taken advantage of by financial institutions. Because no one will return my call at XXXX after receiving consistent messaging that my case is being researched and under investigation, I felt no other option for a resolution but to complaint to the CFPB.
04/17/2015 Yes
  • Debt collection
  • Mortgage
  • Taking/threatening an illegal action
  • Seized/Attempted to seize property
  • NC
  • 28328
Web Older American, Servicemember
Branch Bank & Trust of XXXX a deposit and lending institution was provided a deed of trust in XXXX of {$250000.00} for several real properties to include XXXX commercial lots with a XXXX sq/ft commercial building, XXXX XXXX XXXX XXXX residential rental homes and approximately XXXX acres of land. The loan started in XXXX with XXXX residential rental house, when additional homes were remodeled additional loans were secured. Loan to value have always exceeded amounts borrowed. A checking and savings account was maintained at the BB & T branch office in XXXX, XXXX ; XXXX XXXX was account manager. XXXX XXXX would continuously harass XXXX XXXX co/note holder about payments and would come to the commercial property where she operated her business activity unannounced and publicly threaten to seize the property through foreclosure and add additional fees until she could not pay and they " BB & T '' would claim the property. On XXXX occasion XXXX XXXX publicly threatened XXXX XXXX when she was making a deposit at the BB & T situated at corner XXXX XXXX XXXX XXXX. and XXXX XXXX " in front of other BB & T employees and customers. When time for the account to be renewed ( balloon payment ) the interest rate was increased when the prime rate was continuing to decline. This pattern has continued throughout this lending/borrow relationship. XXXX XXXX was subsequently transferred or moved to another position. Then, the administrative note communication with me started via phone call from BB & T office in XXXX. I was informed " all note payments were to be made to BB & T Asset Management division in XXXX, when previously all note payments were made at the local offices. My most recently interactions were with BB & T associate XXXX XXXX of the XXXX office. XXXX XXXX also informed me after I sent a note payment to the address on the invoice from BB & T that the new requirement was to send all payments directly to her, she was the only account manager authorized to receive payment. She could also transfer funds directly from my bank account with my permission to expedite payment ). The note was required to be renewed in XXXX, all properties securing debt remained unchanged from previous periods when note was renewed, XXXX XXXX required appraisals on all properties ; additionally I was informed by XXXX XXXX that I could not receive copies of any appraisals until I had paid for them in full ( this included both single family residential and commercial properties. After further request, copies of residential appraisals were sent to me via email the day before the note was renewed. XXXX XXXX informed me that the note would be in default and she would initiate legal action to foreclose. Copies of commercial appraisals were not provided, additional appraisal cost were considered due immediately and added to amounts currently due. XXXX XXXX continued to call me daily both on my cell phone and at home. When speaking with XXXX XXXX, ( XXXX XXXX thru XXXX XXXX ) she continued to threaten legal action. In XXXX, XXXX XXXX XXXX caused funds to be debited from my bank account without my permission resulting in overdrafts. XXXX XXXX informed me she could not return the funds directly to my account and would send a check, several days later my account was credited with the amount debited, however overdraft fees were not included. I subsequently mailed a payment to XXXX XXXX. Additionally, a check was drafted by me in XXXX XXXX and sent directly to XXXX XXXX for {$3700.00} ( this amount was adequate for XXXX note payments ). I have not received and phone call from XXXX XXXX since XXXX XXXX after she left a voice mail stating she would return the funds. Recently, ( XXXX XXXX, XXXX ) I received written communication from an attorney representing BB & T demanding access to properties for additional appraisal.
05/25/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • KY
  • XXXXX
Web Older American, Servicemember
I put my daughter on my personal checking account over 5 years ago. In that time she has never written a check and does not have a debit card for the account. We are also in business together. We had a job XX/XX/XXXX that we needed to buy supplies for and the business account was too low. Since I had over-draft protection on my personal account I just used my debit card with the intentions of paying myself back ASAP. Two weeks after the event I sat down to balance my account and none of the 8 individual charges I made on XX/XX/XXXX and XX/XX/XXXX showed on my bank statement. I called the bank with the receipts in my hand and they could not find them either. They told to watch my account for another two weeks and call back if they did not show up. We had applied for a loan with another institution that was sure we could would qualify. Filled out all the paperwork, was told when the check would be cut, etc. The underwriters did a final pull ( on or about XX/XX/XXXX ) of mine and my daughter 's credit scores and hers dropped XXXX pts ( she went from XXXX to XXXX ) and we did not get the loan we wanted. Told the bank that was impossible and they showed us the numbers. I remembered we had gotten a letter about a week earlier from my personal bank saying my daughter was three months behind on a payment. She only has one card from that bank and she uses it for our business. The account numbers did not match and I just laid it aside. When we were told about the credit score dropping I remembered the letter and had my daughter call the bank. They informed her she had a balance on her constant credit/overdraft protection. She told them she did not have a checking account. They then informed her it was joint with me. We then figured out they opened a constant credit/overdraft protection in her name and did not run it through mine. They did not notify her, they did not send statements and " I '' made the purchases with " MY '' debit card. She had nothing to do with the purchases. How can they take the purchases " I '' made and open an account in my daughter 's name? I did not have a balance on my overdraft at that time. I asked them to transfer the money to my account where it belonged and they told me at first they could not. I threatened to sue and it got done. I also requested it to show up as individual line items, statement attached. I requested they contact the credit bureau to fix the problem. They refused but we did get a letter saying everything was mistake to give to the lending institution. At that point the underwriters told us we would have to wait until after we filed taxes to apply again. I still think they should make things right with the credit bureaus and I feel like they owe me the loan I could not get at the other bank. This has greatly inconvenienced and embarrassed us. We asked for a copy of a statement for my daughter 's account and a copy of my account before they made the adjustment but we received neither. I have attached the letter from the bank, a copy of my bank statement after they adjusted everything and copies of the receipts with my Debit Card # s. Repeat my daughter does not have a debit card on this account. I have marked where they listed the individual purchases and advanced me overdraft protection/constant credit. It was all back-dated to the time of the transaction and not when it was processed. You will also see and in and out in the amount of {$1400.00} where they adjusted my account for the amount they put on the account they opened for my daughter. I marked the charges on XX/XX/XXXX and XX/XX/XXXX that they went back listed separately. My daughter never, at no time, received a XXXX balance statement. They told us before they closed the account she could have checked the account online. You can not check what you do not know you have!
09/07/2016 Yes
  • Credit card
  • Rewards
  • FL
  • 33904
Web
On XXXX XXXX, 2016, I was approved for the BB & T spectrum credit card. I had been banking there for roughly the previous 8 months before applying. I was approved with a limit of XXXX. The reason I had applied is that my personal banker recommended the card to me, as it had an uncapped increased rewards structure for the first 90 days. The card paid a flat rate of 3 % cash back on all purchases for the first 90 days, 1 % after that. However, there was a bonus structure if you spent at least XXXX in a year. If you did, you received an additional XXXX percent on all cash back earned for your anniversary year, in addition to the 5 percent everyone received. Thus, next XXXX XXXX, I would receive 35 % of all the cash back I earned for my first year. After I received the card, I stopped in the branch and asked my banker XXXX XXXX if there were any restrictions on the type of spending, mainly if I could use the card for spending for my business and my girlfriends business in order to take advantage of the increased rewards. My business is in helping others with credit issues and also gift card arbitrage. Her business is in event planning. I was told there was no restriction and my banker suggested a credit line increase. I agreed and my limit was raised to XXXX. I began using my card for these purchases and averaged about XXXX to XXXX XXXX per day. I paid my charges from my BB & T checking account each time. After approx 2 weeks, a hold was placed on my account to verify there was no identity theft or other fraud taking place. I stopped back into the branch and showed my credentials. However, the next day, my account was cancelled without explanation. I stopped back into the branch and spoke to XXXX, who is the area operations manager for the XXXX Florida locations. My meeting with her was for approximately 2 hours and involved several calls to corporate. She reinstated my card and they paid to have a replacement card send over night to me. We spoke in great length about the size of my purchases and whether I would have any problem going forward. I was assured my business was more than welcome and to continue using my card for my business expenses. My concern was in how BB & T was paying the cash back on the card. Since BB & T was essentially holding a large portion of the money for a full year, I was concerned that after my spending dropped off after the first 90 days, that the bank would be unhappy that I was not using the card at the much lower cash back percentage. I feared that the BB & T would terminate my account to avoid paying me this additional money after the first year. I expressed this concern to XXXX and was told that it was not a concern. I was free to use the card during the bonus period and less after that If I so chose. She gave me her card and told me to contact her if I had any further issues. I continued to use the card for the next 10 weeks, again spending an average of XXXX to XXXX XXXX per day. I had no further issues until my promotion period was about to end. My card stopped working and when I called, I was told that BB & T though the risk was too high and they would let me know when my card was going to be closed. My card was closed on XXXX XXXX, almost exactly 90 days since I opened the account and right at the end of the promotion period. My calls to XXXX when unreturned and my banker told me there was nothing else she could do to help me. I feel this was a punitive measure to avoid paying the bonus. I accumulated XXXX cents in cash back rewards on my spending during the time I used the card for all my purchases, business and personal. I had a rewards balance of XXXX as well when my account was closed. 35 % of that XXXX was due as a bonus on my anniversary. That is a total of XXXX. Added to the XXXX, the total is XXXX.
09/09/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • VA
  • 34786
Web
XXXX Bank in XXXX Virginia, sold my HELOC to Branch Banking and Trust. The original agreement ended in XXXX. It was a 10 year agreement. XXXX extended the agreement but now states it was not extended. I have no straight answer from them. They just foreclosed. Their own law firm, XXXX and XXXX sent me written material from XXXX Va, stating my loan could be reinstated if I simply made it current. I told them, it was current at that moment. The foreclosure started in late XXXX. I had to scramble to find a lender. BBT, I believe, improperly reported my XXXX score. The damage was so great, I could not get any conventional financing. I had to borrow from hard money lenders to save the house, repair it and sell it. There was no way at this level of damage to me, I was going to be able to keep it. My equity, built up over 29 years, was wiped out from this. BBT called me thousands of times. I have hired a TCPA Law Firm and they are complaining about this fact in XXXX XXXX. The reason I know my FICO was improperly reported is, when BBT took over the note I owed around XXXX. When they foreclosed, I owed XXXX. They managed to collect XXXX or more payments from me that in truth, I did not owe. That means at least XXXX solicitations for payment were made at a time when I WAS CURRENT! They would receive the extra payment and apply it to principle, without my consent. This happened during a XXXX scenario. I had to take work out of town in remote areas.I was not always able to get on the internet and look. Additionally, if solicited for a payment, I would drive to the nearest BBT to make the payment, trusting what they said. If I asked a BBT teller for any help on my HELOC, they would embarrass me by telling me for some reason, my account was unusual and they had to make phone calls to answer any question about my HELOC. They confessed the XXXX Bank computer system was old and not unified with the BBT computer system, a fact that caused much of the difficulty. In XXXX BBT offered me a hardship discount. The name of the employee was XXXX XXXX. I explained to XXXX, my credit score would in no way allow me to borrow from someone else. That alone acted as an impediment. XXXX simply increased the hardship discount while I told him, he could make it 90 % off, it would not let me get a new loan. The credit score was damaged. I felt it was not right. No one at BBT ever lifted a finger to help, however, I hired " Yourcreditattorney '' on line and I believe they got the bank to change my XXXX score XXXX or XXXX hits, not the XXXX hits they caused. A damaged XXXX guarantees you will not get conventional finance. BBT knew I could not get financing. They foreclosed anyway. No words can describe what XXXX then feels owing an ex spouse from the house sale and a house not ready for sale being pulled out from under you. They charged XXXX for an appraisal. The appraiser did not even come into the house. The auctioneer stated the house starting price would be about half what I owed. ( I went to the auction to learn what I could and to make sure they did not proceed as I had paid it off the day before ) So they would discount to anyone else in the world, but not to me. That appears to be some form of prejudicial motive. My contact with BBT ended up with XXXX XXXX. XXXX defended the lack of any hardship discount by stating I should have taken the one they offered. I asked if it was a government program. She said no, it was a business decision. This is documented in my emails. I reached back to XXXX XXXX and asked him. He said it was a federal government backed program. I checked with a lawyer, filed a motion with XXXX XXXX for reconsideration. She simply ignored me. BBT refused to answer anything. When I went to settle on the hard money loan, BBT had XXXX illegal very old liens on my house.
08/23/2016 Yes
  • Mortgage
  • FHA mortgage
  • Credit decision / Underwriting
  • TN
  • 37075
Web
PURCHASED HOME XXXX XXXX 1. RECEIVED FHA LOAN FROM XXXX XXXX. 2. NOT LONG AFTER CLOSING XXXX XXXX SOLD LOAN TO BB & T 3. A FEW MONTHS LATER I REFINANCED THE INTEREST RATE ONLY TO ANOTHER FHA LOAN ( APPRAISAL WAS NOT REQUIRED FOR THIS LOAN ) 4. AROUND A YEAR LATER - DUE TO REDUCTION IN INCOME - I BEGAN STRUGGLING MAKING MY MORTGAGE PAYMENTS. XXXX WAS & STILL IS OUR MORTGAGE SERVICER 5. WE HAVE STRUGGLED & CONTINUE EVEN WITH MORTGAGE MODIFICATION TO MAKE THE PAYMENTS. IN AN ATTEMPT TO BE PROACTIVE IN HOLDING ON TO OUR HOME WE ARE DOING THE ONLY THING WE CAN DO WHICH IS WE ARE ROBBING XXXX TO PAY XXXX IN ORDER TO KEEP OUR HOME. 6. IN XXXX XXXX WE DECIDED WE WOULD TRY TO REFINANCE HOPING THAT WE WOULD HAVE ENOUGH EQUITY IN ORDER TO MAYBE ELIMINATE THE FHA MONTHLY MORTGAGE PREMIUM WHICH WOULD HELP LOWER OUR PAYMENTS ** THIS IS THE PROBLEM- WE WERE TOLD THAT WE OWED WAY TOO MUCH TO REFINANCE & ALSO WE COULD N'T SELL IT BECAUSE WE WERE UNDERWATER & OWED TOO MUCH. WE WERE TOLD WE SHOULD GET OUR APPRAISAL FROM WHEN WE PURCHASED THE HOUSE BECAUSE IT SOUNDED LIKE WE MIGHT HAVE PAID TOO MUCH - SOMETHING DID N'T SEEM RIGHT. 7. WE COULD NOT FIND THE APPRAISAL OR ANY OF THE CLOSING PAPERWORK SO WE CONTACTED XXXX XXXX & WERE TOLD THAT THEY WERE UNABLE TO LOCATE THESE PAPERS & REDIRECTED US TO BB & T & WE DID & BB & T SENT US ALL OF THE CLOSING PAPERS. 8. WHILE REVIEWING THE APPRAISAL WE DISCOVERED THERE WERE SOME ERRORS- WE NOTICED OUR HOME ALSO ON THE MAP CALLED THE SUBJECT PROPERTY - IT HAD BEEN PLACED ON THE WRONG PLACE ON THE MAP. OUR STREET IS CLEARLY INDICATED IN THE UPPER RIGHT CORNER OF THE MAP & OUR HOME WAS PLACED ON THE LOWER LEFT CORNER OF THE MAP. 9. WE THEN NOTICED THAT ALL OF THE COMPARABLE HOME SALES USED TO COME UP WITH A VALUE OF OUR HOME WERE WRONG AS THE MILEAGE TO EACH OF THESE HOMES WERE WRONG- THER WAS NOT ONE CORRECT COMP DISTANCE FROM OUR HOME TO ANY OF THESE COMPS. XXXX. ALSO IN THE NEIGHBORHOOD SECTION IT STATED OUR HOME WAS LOCATED IN XXXX TN & JUST ABOVE THAT WAS THE INFORMATION ABOUT OUR HOME & IT CLEARLY SHOWED THE CORRECT ADDRESS & LOCATION IN XXXX TN. 11. WHEN BB & T PROVIDED US THE PAPERWORK THEY ALSO PROVIDED US A FORM CALLED DIRECT ENDORSEMENT FOR FHA HUD MORTGAGE IN WHICH AN FHA DIRECT ENDORSED UNDERWRITER SIGNED OFF THAT SHE CERTIFIED THAT ALL DATA SUPPLIED BY THE LENDER USED TO DETERMINE THE QUALITY OF THE LOAN WAS USED & SHE CERTIFIED THAT IT MET THE GUIDELINES & WAS ELIGIBLE FOR HUD INSURANCE. 12. WE ARE DEEPLY UNDERWATER ON OUR MORTGAGE - WE ARE DROWINING - OH HOW WE HAVE SUFFERED TRYING TO HOLD ON TO OUR HOME. WE ARE IN HOME OWNERSHIP XXXX. WE WANT TO KEEP OUR HOME & YET WE KNOW IT IS A MATTER OF TIME BEFORE WE LOSE IT. 13. WE WROTE A NOTICE OF ERROR TO XXXX XXXX ADDRESSING THESE ISSUES IN XXXX XXXX HAD IT DELIVERED BY XXXX AND WE ONLY RECEIVED A VAUGE RESPONSE THAT IT WAS IMPOSSIBLE FOR THEM TO LOOK IT UP GIVEN THE AMOUNT OF TIME & REDIRECTED US TO BB & T AND WE HAVE SENT SEVERAL LETTERS FROM WHICH WE HAVE RECEIVED NO RESPONSE. 14. RECENTLY ANOTHER LETTER WAS SENT TO BOTH VIA USPS OVERNIGHT - TO DATE NOT RESPONSE. 15. A FOLLOWUP CALL WAS MADE ON XXXX TO XXXX XXXX WHERE MY WIFE WAS TRANSFERRED TO XXXX XXXX SERVICING MGR WHO STATED THAT WE CAME TO THEM ASKED FOR A LOAN TO BUY A HOUSE IN XXXX XXXX THEY GRANTED OUR WISH & THAT WAS IT. MY WIFE ADVISED THAT HIS EXPLANATION WAS NOT GOING TO WORK. HE SAID WELL YOU MUST HAVE THOUGHT YOUR HOME WAS WORTH IT WHEN YOU SIGNED THE CONTRACT. OUR CONTRACT WAS CONTINGENT UPON FINANCING & IF THE UNDERWRITER HAD DONE THE JOB THAT FHA ENTRUSTED HER TO DO & PROPERLY UNDERWROTE THE APPRAISAL SHE WOULD HAVE DISCOVERED THE ERRORS & THE HOUSE NO DOUBT WOULD N'T HAVE APPRAISED & WE WOULD HAVE BEEN DENIED OR FORCED TO RENEGOTIATE OUR CONTRACT. 16. THERE IS NO DEBATE HERE ONLY ERRORS IN B & W
06/16/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • FL
  • 33157
Web Older American
I refinanced my mortgage with BB & T in XXXX. Previously my mortgage was held by XXXX XXXX XXXX. Yearly, XXXX XXXX XXXX would send a threatening letter telling me that I had to increase my flood insurance to match the coverage of my homeowners/windstorm insurance. Initially, I did increase it, but a class action filed against XXXX XXXX XXXX resulted in the bank changing its practices. In subsequent years after the suit, XXXX XXXX XXXX would send me a waiver to acknowledge the discrepancy, which I would sign and return. I have lived in my home since XXXX, XXXX : 44 years, 4 months and I have NEVER filed a flood claim. I survived XXXX and other catastrophic storms. Not once have I had damage to my home due to rising water flooding. This is the only type of flooding covered by the Florida flood insurance policies. I live in a flood zone, but my home is on a ridge in that zone. In XXXX, I paid for an elevation certificate to prove my elevation. Due to this certificate, my flood insurance dropped drastically from over {$1000.00} to somewhere around {$300.00}, yearly. The point of this explanation is the only way I will have rising water flooding is in the event of massive storm surge due to a hurricane. In which case I would file claims with both my homeowners/windstorm and the flood insurances. This year there is almost XXXX of insurance coverage to protect my home. ( {$190000.00} of homeowners /windstorm coverage and the proposed {$170000.00} of flood insurance coverage ) The current balance on my mortgage is {$130000.00} Last week I received a letter from BB & T stating that my flood insurance does not match my home owners/windstorm coverage and that if I do not increase the flood insurance, they will force place a policy in the amount {$21000.00}, at their expense ( the difference between the XXXX policy coverages ). I called BB & T XXXX XXXX, XXXX and requested to speak with a supervisor. The young lady I spoke with assured me she would be able to assist me with the issue, but after the above explanation, she said I would have to increase my flood insurance coverage or the force placement would go into effect. I asked to speak with a supervisor. She said the answer would be the same, I insisted, and she said a supervisor was not available, nor was a senior advisor and I would have to wait until XXXX XXXX for a return call. I did receive a phone call from XXXX XXXX ( I believe she is a senior advisor in the insurance department ) at BB & T at around XXXX XXXX. today, XXXX XXXX, XXXX. I repeated the problem detailed above. She did say the requirement for the homeowners /wind storm insurance was that I only had to have enough insurance to cover the amount of the loan. If I wanted to decrease the amount of homeowners/windstorm insurance to equal the amount of flood insurance that would be acceptable, but the XXXX coverages did have to match. I still have not been able to speak with a supervisor. I asked to speak with someone higher up in the company that would be able to give me a waiver. She told me no one has the authority to give waivers as they do not give waivers. Another compromise XXXX XXXX XXXX suggested was that if I could get the flood insurance company to state, on the declaration page, that the {$170000.00} was the replacement cost of the home and to provide the elevation, BB & T would accept that documentation and they would not force place the additional flood insurance. Neither of these suggestions make sense to me. I will include the following : The letter from BB & T, my current declaration pages from both insurance policies, the elevation certificate, the proposed XXXX flood coverage, and the flood zone map showing my property. I am selecting the " making payments '' category below but none of the categories really fit my issue.
05/09/2017 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • AL
  • 35806
Web
Here is my list of complaints : ( 1 ) When I initially opened my account wit h BB & T I was not sufficiently advise with regards to the Overdraft Protection Law. I was given a piece of paper to sign and the explanation of the reason for the form was completely brushed over. I was basically told that it was just a formality so that the bank could go ahead and cover all my debit card charges. ( 2 ) On XXXX XXXX , XXXX I deposited a check into my checking account. On the same day I wrote a check from that account and deposited it into an account with a different bank. When I looked at my transaction history it showed the deposit, then it showed and overdraft fee and then it showed the withdrawal that caused the overdraft. I asked BB & T to reverse the charge. They told me that the funds that I deposited were not available for withdrawal until the next day. However, my concern was that even before I overdrew my account, I was charged an overdraft fee. At no time did it show that I had overdrawn my account until after the fee was charged. I asked BB & T to reverse the charge. I was told that my branch office would have to authorize the reversal of the charge. My banker called me and told me that he had spoken with his superiors and they would not allow him to rev erse the charge. BB & T says that they clear credits before debits, but in this case they apparently did not. Although they say that the funds can take time to clear, the funds were showing available in my account the next day after the deposit. This either means that when my other bank ( XXXX ) cleared my check with BB & T at the end of the day on the XXXX the XXXX withdrawal was taken out first or, as my account showed, I was charged an overdraft fee before I had even overdrawn the account. ( XXXX ) On XXXX XXXX , XXXX I had an unexpected withdrawal from my checking account. The withdrawal was a debit card payment for a service that I pay for monthly. I had changed my method of payment with that service company, but could not delete the old payment card. For some reason they did not process my payment in XXXX and then used the old paym ent method ( my BB & T debit card ) to pay the past due amount that they had failed to charge previously. Because I was not aware of the charge to the account I did not know that I had overdrawn the account until I received a letter in the mail from BB & T . The letter was dated XXXX XXXX , but I did not receive it until XXXX XXXX , 9 days after the letter was dated. The letter is showing that it was sent XXXX XXXX XXXX but there is not date stamp on the letter showing when it was actually mailed. This is not the first time that I have received an overdraft notice more than a week after the overdraft occurred. Given that most XXXX XXXX XXXX deliveries are completed in th e US withi in 2-3 days of mailing, it is highly suspicious that BB & T 's notices did not get to me until over 7 days after the overdraft occurred. BB & T charges an additional overdraft fee after 7 days of the account being overdrawn. XXXX XXXX XXXX I am now being charged a service fee of {$12.00} a month that I was not aware of. The charge says Service Ch arges - Prior Period. I do not know why I am being charged this fee when I have not had a service charge on my account since it was opened. I have not received notice of any change to my account. I see that there are unread messages in my online account, but when I click on the link nothing opens. I have not received anything in the mail explaining any change to my account. This fee has now caused me to be overdrawn once again on the account. Given the above I believe that BB & T ha s policies in place that undermine account holders in order to obtain fees.
03/29/2017 Yes
  • Debt collection
  • Auto
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • AZ
  • 85743
Web
I sent a letter to Regional Acceptance CO. on XX/XX/XXXX via certified return receipt mail, which was signed for on XX/XX/XXXX. I requested validation of the referenced account, bearing my signature. The same day they signed for my letter they shot out a response to my letter, no attachments, nothing with my signature. After 30 days I checked my credit report. It had not been marked as in dispute and now is in violation of the FCRA. Additionally, my credit report is being marked as key derogatory every month which causes my credit score to go down and they are indicating that a charge-off account has a past due. This is incorrect reporting. A charged off account does not a balance as it was charged off and written off as bad debt, allowing the company to take a tax break. On XX/XX/XXXX I receive a letter from a company called XXXX offering a settlement on the account. The account that they refused to validate. I wrote another letter to Regional on XX/XX/XXXX. I told them I wanted this account validated, bearing my signature and requested the name address and telephone number who verified this alleged debt without proof. They signed for the letter on XX/XX/XXXX and prepared a response to me on XX/XX/XXXX. The letter looks to be nearly identical to the first letter, with only wording from XXXX sentence rearranged. My credit report is still being marked as key derogatory every month, continues to show as a charge off yet a past due balance. Attached is a copy of my credit report dated XX/XX/XXXX Between XX/XX/XXXX and XX/XX/XXXX Regional Acceptance was removed from my credit report. I again sent another letter on XX/XX/XXXX. I told them they failed to provide me with any evidence, I felt they were acting in bad faith and that they had 15 days or I would be seeking legal resources. This letter was signed for on XX/XX/XXXX and on XX/XX/XXXX, they wrote me a letter back again the letter looks to be nearly identical to the first letter, with only wording from XXXX sentence rearranged. Still, my credit report is being marked as key derogatory every month which causes my credit score to go down and they are indicating that a charge-off account has a past due. This is incorrect reporting. A charged off account does not a balance as it was charged off and written off as bad debt, allowing the company to take a tax break. Attached you will find a copy of my credit report dated XX/XX/XXXX and low and behold Regional Acceptance has been added back on to my credit report. I was never informed that this account was being added back on to my credit report - This is a credit reporting violation. Also you will see that it has now been 90 + days since my initial dispute with Regional Acceptance and my credit reports have not been marked as in dispute. To this point, I have never been provided anything with my signature as request on XXXX separate occasions over XXXX separate months and my credit reports were not marked as in dispute within the first 30 days, as required by law. XX/XX/XXXX XXXX sends me a settlement offer of {$1700.00} XX/XX/XXXX XXXX sends me a settlement offer of {$1900.00} XX/XX/XXXX I get a letter from a collection agency named XXXX indicating the balance as XXXX. Now this is contrary to the amount that is both listed on my credit report as well as the amount they are indicating in their letters and on my credit report as past due. I am provided with a print off of a computer screen. The Balance listed on the printed sheet as of XX/XX/XXXX is {$15000.00} however another letter they included indicates that Regional indicated that the amount due to them as of XX/XX/XXXX ( 7 days earlier than the previous date ) is {$17000.00}. They claim the vehicle was auctioned for {$9600.00} however never produced a bill of sale or proof of sale to val
06/06/2016 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • SC
  • 29210
Web
My Grandmother was diagnosed a number of years ago with XXXX. XXXX. I was asked by both of my Grandparents to handle their finances. We went to the bank ( s ) and added my name to their checking account and their mail was re-routed to my house. That was over 6 years ago. My Grandfather passed two years ago but shortly before he did, his daughter and son in law moved in. It was a " XXXX '' to hear my Aunt and Uncle tell it but I found it interesting that their house had been foreclosed on. Shortly after they moved in I started noticing checks being cashed after their social security check was deposited. My Grandparents ritually only cashed a check for {$100.00} a month for years. Several months ago, after my Grandfather 's passing, we consolidated all of my Grandmother money into one bank, BBT. We deposited over {$80000.00} into an investment account with my name and my grandmother 's name. My grandmother has a POA which names my father and my Aunt as co-power of attorneys. I asked BB & T if we could use the POA because that way both heirs would be responsible for the funds. The BB & T representative told me that Power of Attorneys have to be approved and it takes a long time and it may not even be approved. The name of the BB & T representative was XXXX XXXX. We proceed to conduct business without the power of attorney. We changed my Grandfather 's IRA account into my Grandmother name and opened an investment account with the {$80000.00} with my name and my Grandmother 's name. That gave us a total of XXXX accounts with BBT. The first account was the checking account that I was added to years ago, an IRA account with approx. {$60000.00} and we opened an investment account with my name and my grandmothers with an opening balance of {>= $1,000,000}. At this visit, I explained that my relatives ( my Aunt and Uncle ) had been cashing checks on ( sometimes several days in a row ) on the checking account. My Aunt and Uncle would have my Grandmother sign checks and complete for cash. This was not reported. If you look at the account history you can see all of the cash checks and on occasion my Grandmother would sign a check and leave the payee and the amount incomplete. Someone else would complete the check to " Cash '' and complete the amount. Sometimes checks would clear this account and the payee or dollar amount would be completed but they cleared the bank. The amount of cashed checks recently started to increase so I was unable to pay her bills with her incoming social security checks. Over the last few months her water was turned off because their was not enough money to pay the bill because of amount of cashed checks. My Aunt and Uncle also took my Grandmother to buy themselves a new car and my Grandmother was the borrower on the loan. Since my Grandfather passed it has been increasing difficult to pay her bills because she no longer has the benefit of his social security income. That brings me to today. In order to be proactive and keeping track of the account activity, I signed up for ever alert on both the checking account and the investment account. I received an alert that the investment account had a XXXX balance and that a {$1000.00} has been transferred from the checking account with less than {$300.00} left in the account. I called BBT and my Aunt took my Grandmother to the bank and opened a new account so they could have control over the money. If only BB & T had not discouraged me from opening the accounts with a POA then I would not be in this situation. They have taken away my ability to make sure that my Grandmother is financial secure. I am writing this because I made my Grandfather a promise. I promised him that I would watch every penny and make sure she was OK. I no longer can honor that promise.
05/13/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NC
  • 27896
Web
In XXXX or around there my wife and I started XXXX XXXX XXXX with my brother and sister in law XXXX in XXXX of XXXX we opened a credit line with XXXX credit cards. In XXXX of XXXX we were bought out by the XXXX and any past and future debt we were to be indemnified. A buyout contract was drafted and signed XXXX XXXX, XXXX. A few weeks ago ( 8+years later ) I am getting phone calls from debt collectors at BBT saying that I owe b/c I am listed as a guarantor on the card and it is over 60 days late. I reached out to BB & T eventually talking to XXXX XXXX ( VP Small Business ). He asked if I had removed myself and I told him I could n't remember something 8 years ago, but I thought I had or the XXXX were supposed to. I sent him a copy of the buyout contract, but ultimately he said I was liable b/c my name was on the sheet and that it was up to me to make sure I was removed. I asked him repeatedly why my wife was n't getting calls for collection since she was a guarantor on their as well. He said he did n't know, but assured me the XXXX were. Yesterday we spoke to XXXX XXXX who is the person who opened the account for the XXXX XXXX XXXX XXXX XXXX and I coming in and her closing XXXX XXXX account, but said it is most likely her fault for not closing mine. There is no way my wife and I would n't have gone in together and removed XXXX our names from this credit line. Furthermore XXXX claims she told XXXX XXXX all of this, but he still would not release me and lied to me saying he did n't know why my wife XXXX XXXX XXXX was being called. She is not being called b/c she is not on the account any longer! I am being told that the past due delinquency is almost 90 days at which time the debt will be handed off to a collections agency and it will hit my credit. My credit score right now is a perfect XXXX. I should not be responsible for someone elses debt. There is evidence that supports us being bought out in late XXXX and there is a person who remembers closing my wife 's account and saying she may be at fault for not removing myself. XXXX XXXX claimed he moved up to his superiors to plead my case with no success, but yet lied to me about my wife being on the account so I ca n't know for certain that he went to his superiors. I am not sure what is going on, but I should n't have to pay someone elses debt nor should my credit take a hit for something I did n't do. XXXX said that this debt will probably be handed over to collections in the next week or so and at that time hit my credit. So with that info I am being forced to consider paying a monthly payment of a debt thats not mine to bide me time on my credit to refi my house. I threatened to take my mortgage and over XXXX accounts from BB & T with no effect, but I have started that process either way this turns out. I am being told by some that technically the bank can attach to other accounts so I am moving to not take that chance as well as I do n't want to do business with a bank that knowingly treats their customers this way. My move has to be done before my credit tanks. I have told XXXX that I did n't know my name was on their. I have never received a statement in over 8 years. He asked if it was on my online banking and I said no. He went on while we were on the phone and verified that it was n't. I also told him it did n't appear on my credit report which I receive monthly. I have limited time here. I do n't have the money to pay a minimum payment and should n't have to, but to move my mortgage I am being forced to do so. I almost conceded to just take the hit on my credit b/c morally I was n't going to pay the debt and BB & T was still holding me liable, but with this new evidence of XXXX XXXX I will not succumb to the big bank treating my family and I this way.
12/30/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • NC
  • 28348
Web
XXXX, XXXX, XXXX/XXXX/2016 Dear Consumer Complaint Department, I have a serious complaint involving the mortgage department of BB & T Banking institution. We have had our mortgage with them now for approximately XXXX years. We were financed with XXXX originally, but refinanced due to similar problems, only they were not nearly as severe as these with BB & T through the branch here in XXXX, XXXX. My mortgage account number is XXXX. My and my wife 's name is XXXX and XXXX. I will gladly give my social security number when the time to do so is appropriate. Approximately XXXX years ago we are about to go on vacation, and we paid XXXX months ahead, then left. The bank accepted payment, and had no problem with it at that time. When we arrived back in town, suddenly they were claiming that the payment had not been made, and saying that we owed them late fees equaled to approximately a third of the total for the XXXX payments. We protested, and continued making the original amounts. When the following month rolled around, BB & T was claiming that we owed substantially more in these late fees. We know a lady in our local branch who has direct access to the computer files. Her name is XXXX. We sat in her office for XXXX hours while she traced these payments down, only to inform us that the banks computer had deposited our prepaid mortgage payments into the principal, rather than give us credit in our payments for it. We replied that this issue was with the bank 's computer system and not us, so we asked the question as to why it was that we were being held accountable and being penalized. The only response that we could get was that we would have to call the mortgage department, which is way down in XXXX XXXX. We were informed that we could not motor down there and meet with any official face to face, since it was only a computerized office modem. XXXX did what she could, and finally had the people down in XXXX XXXX agree that the issue had been resolved. XXXX months pass and the same situation returns. When we have XXXX trace the accounts down, which consumed another XXXX hours, the appearance was that the bank teller had misappropriated the payments into some other account, but the bank still wanted late fees on the money that they failed to receive. They also wanted late fees on the past amounts that they claimed were neutralized. We argued about this matter for XXXX or XXXX hours ; and before we left, they were claiming that the situation had resolved itself, seemingly at long last. XXXX more months passed approximately, then we were getting phone calls and notices in the mail that they were wanting amounts equaling to XXXX XXXX dollars on XXXX month, then as much as XXXX XXXX dollars on the next month. We held our ground with them contending that they were at fault, even telling them over the phone that they had manufactured this negative situation, and that we were not going to submit to their demands for more money. They wanted to raise our mortgage and kept sending us statements of amounts that varied from XXXX XXXX to XXXX and XXXX XXXX a month, and demanding that we sign statements agreeing to it, when our agreed upon mortgage is only XXXX a month. We have a fixed rate mortgage and pay our taxes and insurance separately. They have constantly been threatening us with foreclosure. My reply to them when they call was and still is that something is not right about this. I have asked if they had sold the mortgage and the company that they sold to is demanding more money. Since the purchasing company did not arrange the agreement with me, the responsibility for netting the increased funds has fallen upon BB & T. When I ask this question their response is that it is not their policy to discuss internal business with
11/01/2016 Yes
  • Mortgage
  • Home equity loan or line of credit
  • Loan servicing, payments, escrow account
  • PA
  • 19382
Web
On XXXX XXXX, 2016 BB & T supposedly completed the acquisition of my bank for a home equity loan and checking account from XXXX XXXX. Since then, it has been nothing but a hassle. The week before, stopped in to a local Branch for the bank because, while I had received information on my checking account, i had heard nothing about my Home Equity Loan. they assured me that my automated debit for my mortgage loan would occur on time, which should have been XXXX. It did not occur until XXXX, which was not an inconvenience, but should have alerted me to a problem. After withdrawing the proper amount, I made my typical additional payment ( XXXX ) towards principal as I have done for many years with XXXX XXXX following the directions I received from the branch. On XXXX, the proper debit occurred, and I again paid an additional XXXX dollars towards the principal. At the time, I noticed that the balance was slightly higher than what I thought it should be, but assumed that I had calculated something wrong in my tracking spreadsheet. On XXXX, while I was out of the country on business, the correct withdrawal was made again ( since XXXX was a Saturday ). I paid the additional XXXX dollars towards principal on XXXX. On XXXX I went in to review my account as I recognized that the XXXX payment was never applied. On that day I saw that, not only was there no withdrawal for my normal payment, the additional payments I have been making were never applied correctly and that there were a number of debits and credits that were confusing, inaccurate and did not apply my payments properly ; such that it would have reduced the total interest I should have accrued and paid for. On that day, at XXXX XXXX, I called and explained the entire situation to an agent. After he agreed that there was a problem and would look into it, he told me he would call me back on XXXX or XXXX to confirm it had been straightened out. On XXXX, after not hearing back from the representative, I called BB & T again. Once again, I explained the situation and the fact that I had not heard back from the representative. I was concerned because the XXXX payment and the original issue was not properly reflecting online. The representative said that it appeared that the problem had been resolved and would mail me the corrected statement in the mail. I called the bank again on XXXX after seeing that my online statements still had not changed, nor did the IVR which stated my balance and payment info was the same. I spoke to a third representative who confirmed that nothing had changed, at which point I asked to speak to a supervisor. After 32 minutes, the best that supervisor could do was tell me that she would talk to a different department and I could call her back in another week. I was able to get her to call me, but after the previous conversations, I do not hold hope that this will actually occur. She also told me that if I wanted to make a payment towards principal, I should not do it as I was instructed, but instead go to a screen listing the mortgage details as this is the only way to do it. I find this not only misleading and nonsensical but also ridiculous since it should be easier to pay off the principal on a loan, not more convoluted. I have always kept my loan, and the required funds, in good standing. Have never paid a bill late, never disputed a charge. It is nonsense that I have to prove when the bank makes a mistake, as has now happened on multiple attempts, and it is even more deplorable that they do not honor the same commitments that I am REQUIRED to make when opening an account. The checking account used to pay the account has enough to pay the loan off completely, but I can not do this as I do not know what the proper amount actually is.
11/16/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Didn't receive advertised or promotional terms
  • NJ
  • 08902
Web
This is currently in reference to a complaint on file with BB & T with the case number XXXX In XX/XX/2018 I applied for and was approved for the BB & T XXXX XXXX XXXX XXXX with the promotional offer of receiving XXXX miles, if {$2000.00} was spent on the card within 3 months. This requirement was fully completed and a total amount of {$2000.00} was spent on the card within this timeframe. After not receiving the bonus, I called BB & T on XX/XX/XXXX, to inquire about when the points would post. A representative looked up my account, and told me that based off of the way BB & T accounts for purchases, they round up or down. Because a few of my purchases included a cent amount that was under XXXX, BB & T rounded down multiple purchases, causing their automated system to reflect XXXX points, or in other words incorrectly showed my purchases reflecting {$1900.00} instead of the true purchase amount of {$2000.00}. Because their automated system did not recognize or reflect that I had actual reached the amount in the legal agreement it did not award me, my contractually and legally obligated points. This typically would not be an issue at most banks, as this is a glitch, and all systems have glitches. However BB & T advised their reps to communicate " there's nothing we can do, our system rounds down, and therefore you did not meet the terms '' Despite, the actual dollar amount meeting the legally defined terms, in the terms and conditions that were presented. This is not a matter of " perspective '' or " opinion '' BB & T entered into a legal contract with me to provide a set number of points ( XXXX ), for meeting a set dollar spend amount on my card ( {$2000.00} ). I fulfilled the terms of my contract, and BB & T set up their system to attempt to " weasel '' their way out of meeting contractual obligations. However the legal requirements are set in stone, and just like BB & T would enforce a mortgage payment, when a client who entered into a legal agreement with them didn't pay, I am enforcing my right to collect upon the contract I entered into with the organization. Let me be absolutely clear, this is my last attempt to work things out with BB & T before I file a case in small claims court. If it does have to go down that route, I will be including additional costs for the time it takes me to file the case, the filing fees of the court, and the aggravation this has caused me, to be the legal maximum amount of {$3000.00} in New Jersey. I am appalled that a Bank as big as BB & T would have system in place to " systematically '' not honor legal contracts. I wish for the CFPB to note, that the process as it is currently set up by BB & T is in fact illegal, and may have caused harm to numerous other clients who fulfilled the terms of BB & T 's legally bound contract, but were not paid by BB & T. I also wish to note that BB & T has fought for less regulation for their organization, and has pushed the United States to lower their depository reserve. I attest that this example shows exactly the kind of oversight that BB & T will apply internally to the law if allowed to deregulate, and ask the CFPB to use this as an example in the Justice Department case as evidence that BB & T will create systems to bypass the law if allowed to operate unchecked. In addition I was told if BB & T does in fact pay out these points, they will take it from the XXXX XXXX XXXX of a local branch that I have never worked with. If this is in fact true, this is completely unethical. I did all of my business with BB & T online, and never worked with a local branch. To rob the local branch 's employees of their incentive plan because of a mistake by BB & T corporate is absolutely ludicrous and completely unethical to your employees.
06/14/2016 Yes
  • Mortgage
  • Other mortgage
  • Application, originator, mortgage broker
  • KY
  • 410XX
Web
In XXXX of XXXX I seperated from a woman I had lived with for a number of years. I was offered a job XXXX. In order to buy my former partner out of the property The Bank XXXX closed my mortague and loaned my enough money to cover this buy cost. I planned on selling the property so the Bank XXXX put the amount on a yearly renewable commercial loan. I stayed XXXX for a year and then returned XXXX where I continued to reside in this house. the property is a XXXX home and a XXXX farm. The farm was on the market for XXXX years with no buyers. each years the Bank XXXX simply renewed the note. In XXXX The Bank XXXX was purchased by BB & T Banking. In XXXX when the note was due to be renewed BB & T were comfused as to what the note was for. They would not give me a local person to deal with and would not allow the individuals that had peviously worked with me on this note to deal with the situation even though they were sill working BB & T. BB & T sent this note to their employee XXXX XXXX XXXX. She tried dealing with this over the phone with me from XXXX until XXXX at which point I drove XXXX to speak with her in person. She told me I was only the second time in her career she had talked to an actual client. so I found at this point they had taken the note out of her hands and returned it to their home office XXXX. At this point I started to deal with the XXXX offices again over the phone. Still not given a local person to deal with. The offices XXXX said that they had realized that the note was not really a commercial loan but was written as a means to cover a mortage for my home. AT the end of XXXX XXXX the office XXXX told me that they had converted the note into a 30 year mortage gave me my monthly payment amount. To my suprise when i went into the bank on XXXX XXXX to make my payment the computer said they could not except the payment at this time. Upon investigation by the bank manager the XXXX said they would investigate and call me back. when I recieved a call later that day the lady said that my note had matured on XXXX XXXX and I owed them XXXX dollars. On Monday XXXX XXXX I stopped by the regional office for BB & T in XXXX XXXX and talked to the regional president of BB & T XXXX XXXX. He said he would investigate what was happening with this matter. In the interim while this was going on with the note last fall I applied for a mortage with Farm Credit Corporation ( FCC ), a federal government backed organization. They initally approved the loan based on all my factors, income, appraisals and so on. The appraisal ( a approx. XXXX page report with photos of comparables in a XXXX mile area of my home ) that BB & T had done on my property came back at XXXX dollars. Looking back I dont now understand why they had an appraisal of my property if they thought my loan was a comercial loan and not to cover my mortage. All was approved by FCC in letters recieved by them. FCC wanted to have their retained appraiser evaluate the farm. This apprasier compared my home with propertys XXXX miles away with no photos in a XXXX page report and valued my property at XXXX. My land alone XXXX acres is valued at XXXX in my area, not including at state of the art XXXX home with geothermal heating, no seam metal roof, XXXX composite concrete siding. XXXX master bedrooms, porcelain tiling and many more upgrades.Upon their appraisers value they then declined my loan. With FCC being associated with the government they have in effect an appeal process which I took advantage of. This of course was to no avail as the board members consisted of a FCC employee and XXXX XXXX farmers that were on the board. All of which had no conception of what an upscale house was worth. I also applied to XXXX Bank. Out of space more info contact me.
06/10/2016 Yes
  • Mortgage
  • VA mortgage
  • Application, originator, mortgage broker
  • FL
  • 34683
Web Servicemember
We applied for a Mortgage for a new build, that fell through but found another already built through the same builder. That builder recommended BBT to make the transaction smoother. After my wife sending in the contract to the MLO and reviewing a copy of the Loan Estimate and seeing all these high costs, we were told by the MLO, he was really busy and didnt have time for this, as he rambled this is a new build, thats why the costs are so high. We just thought maybe thats how new builds work, My wife had XXXX. Few weeks later the CD was issued and increased almost XXXX from the LE, we were told this is what the seller charges. We asked for clarification as we never agreed to any of the items it mentioned, the MLO for BB and T, told us that it didnt matter, thats how this builder does there deals despite what we signed or not. My wife called BB and T 's headquater twice to get help with NO success. The seller without authorization tells MLO what a buyer is paying and title company to use without it being agreed upon nor verified by the MLO and the buyer is never given a choice in any of this, yet paying 100 % of the cost. We had met a title guy while back, asked him if we could switch title company 's, that something didnt seem right. He said it wouldnt be a problem. After he got the final CD he asked for confirmation of who was paying for what. The seller sent us an addendum to sign that in the beginning were told no problem in not signed it as we explained some costs are not applicable to us because of VA. The builder agreed twice and said no problem. Once the bank and the seller found out we were switching title companys they warned us it would delay the closing, also the builder told us to pick up our earnest money deposit that he was relisting the property due to alot of interested and being able to get more money. We explained we signed a contract and still wanted the house and if we opted out, we would be out the money already spent, he explained that wasnt his problem, and relisted the house, saying our financing fell through. We asked for help to make us whole but he only said it wasnt his problem, he wanted it his way or no way, no matter what it cost us. He signed this contract and was the one that told us it was OK not to agree or sign the part of the contract that we were opposed to, but the MLO ( who now we find out is best buddies with this seller, told us it doesnt matter what we didnt sign, we still had to pay the sellers costs, whether we agreed to it or not. Why have us sign anything at all then. Needless to say we got an attorney to represent us who sent the Signed contract to their attorneys and we prevailed now twice, when we were due to close the MLO went so far as to call our Title company, hours before to say he would never use them and the seller wasnt budging. Why is the MLO-XXXX calling anyone about our contract or neg any type of deal for the seller? We sent some of the CD 's and LE 's to see if you can figure this out. We have a few more also. We finally did come to an agreement on the cost but this contract also included an enclosure and appliances, we did get the appliances but to date no enclosure or permit have been filed. Also the seller ( builder ) XXXX is refusing to give the title company the earnest money deposit. I was taught that your group ensures people are not taken advantage of, so here goes. This MLO I guess thinks he doesnt not need to comply with VA guidelines, respa, regulations etc, this CD was changed so much not sure what right, with not one change of circumstance that we know of. Not sure what your agency will do, but we will start here. We have now contacted BBT twice and the XXXX who recommended starting with your organization. Thank you.
03/16/2016 Yes
  • Mortgage
  • FHA mortgage
  • Application, originator, mortgage broker
  • UT
  • 84084
Web
A few months ago, we ran into some medical and other hardships, that put us at a financial disadvantage. While trying to do a refinance with BB & T, in XXXX, we followed the instructions given by the company only to be told something different. Our loan was rejected by the mortgage company and its backers. They are now asking for an insane amount of money, using scare tactics, misleading proposals, and fraudulent accusastions as to repay the loan. My husband is on medical XXXX and had to have a couple of procedures due to XXXX issues. We also faced auto repairs which were unexpected but needed to have, as I need a vehicle to get to work.there were other expenses that we also did not count on happening. I did try to make payments the best I could under the circumstances. Being in constant communication with the mortgage company during the month of XXXX. Being told all would be satisfied and " not to worry ". At the first part of XXXX, XXXX, with the Loss and Litigation team, advising that we request assistance from the mortgage company to submit a modification to re-amortize the loan and put the payments at the end of the loan as I would be unable to catch up but the hardship request was done so I could make the original payment. As per his, and many others, advice and knowledge, we proceeded to follow the instructions given. Being told not to make any payments during the modification period. And again, these missing payments would then be tacked on to the end of the loan. We would then have to wait for an answer as to if we qualified for the modification. Moving forward knowing there would be no problem. We followed the instructions. We received the first response with the re-payment plan on XXXX XXXX, and a denial of modification. With instructions saying to respond by XXXX XXXX with accept, reject, or appeal. I submitted a denial/rejection letter, in regards to a new monthly plan. We received the second letter a few days ago, stating that the modification could not happen with reasons that elude me. They again denied our letter. Stating we could not appeal again. And, through the letter, it was instructed we would be paying an additional {$710.00} per month due to lack of payments, or pay {$4900.00} by the first of XXXX or go into foreclosure. From the first part of contact with the mortgage company, it was assured there would be no problem and they said we did not have to worry as it was assured the modification would happen. This can not happen. I 'm still shocked they did n't let us just reamortize our loan as we obviously had a hardship that was not financial mismanagement. We followed their instructions, only to be denied, and now have to come up with additional monies to satisfy their mistake and advice. This mortgage company has given me a repayment plan that increases my payment by 43 % more a month which we can not afford and feel they have set us up to fail. We are already facing a debt to income ratio as being to high. And now face loosing our home. This is our primary resident for the last 22 years and the late payments are isolated extenuating circumstances. We were denied with the stipulations of forbearance, modification denial, partial claim, and XXXX modification. First, if we follow their recommendations we would be using more than half of our monthly income to pay back the loan. And again, would leave us in a deficit and would have to sell or lose the home. Putting us in foreclosure is not a solution. Loosing our home is not a solution. We have a very legitimate circumstance that needs to be fixed. This falls back on BB & T as a simple solution. We believe the lender has not done their due diligence in resoving the best course of action.
07/06/2016 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • MD
  • 21701
Web
previous complaint : XXXX please reopen this issue. I thought it was resolved, but there is a new twist. Please first add that I will never call or step foot inside a bbt branch bank in XXXX, md again. this is nothing personal, but it has gone on too long, it started as a simple question, then professional inquiry, now is a rigmarole I will tell everyone about forever. please add verbatim this entire message, reopen the link and provide a link. please forward this to the business. I received a letter today, dated on XXXX/XXXX/16 from BB & T stating my accounts would be closed with BBT branch banking and trust. I did not request this. More retaliation and denial of services since the last complaint filed with your agency. The last complaint with the ADA was : I requested a manager to discuss a resolve and final payoff. I called the numbers today listed on the bottom of the letter and tried to reach a person. a left a few voicemails. I was on bluetooth in the car and it got confusing. i assure i am awaiting a written response, in professional format addressing the answers remaining unresolved on the account. I also want to know for what reasons my account were closed and why? preferably, I wanted a payoff figure in writing, less the fees and a chance to talk to a different personality other than the ones I am complaining again. I did not mean to come across as rude, overbearing, or unprofessional. I feel my XXXX and them knowing it complexes the issue. At this point I was awaiting a " XXXX '' to call me back, but I have not had success with him. In fact I believe he is the gentleman that pulled my credit when I had a simple question about auto loan process. I never consented to full credit check .... but moving on. please know i plan to never go in the XXXX, md bb & t locations since receiving today 's certified letter with no explanation as to why my accounts are closed. I am shocked and would like to formally request arbitration, with further explanation as both explained, then offered within the contents of today 's letter. I want a number besides local branch for this and want this forwarded to proper channels. I am sorry for today 's confusion, sincerely I wanted to discuss a payoff, and could n't get a voice to discuss payment options. Please verify all amounts, and know I am disputing, requesting arbitration with different parties besides the locations I am disputing with. Professionally stated, please accept this explanation and apology. please service me and do not discriminate or deny me services. This is XXXX of my oldest accounts I hope formal arbitration can be reached to resolve. thank you. please post all responses in writing to the mailing address on file. this goes for all future correspondences from all parties to me. thank you for also confirming receipt of this in writing. **Please note I hear more corporations are trying to discriminate and shake bad clients, or those they deem are bad by no oversight or common standard. It 's purely the branch managers opinion now? As I told the branch the days of profiling the lunch counter and golf course neighborhoods are over in most places. They should be in your banking judgement of risk as well. but i digress, but am not far off with my XXXX. Previously a complaint was looked into, but this has specifically gone on since XXXX 2016 to the point I could no longer preserve my account. Although my intent was to keep it, theirs was to not have me as a clent clearly by todays letter. Please also allow me to send the full call logs, as well as XXXX complaint, BB & T responses since the issue was last looked into. please send this to company so BB & T can forward to proper arbitration.
02/04/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Banking errors
  • FL
  • XXXXX
Web
CFPB response to XX/XX/XXXX Letter XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX These claims by BBT have been responded to multiple times, BBT continue to delay and sway the facts as to not own up to their mistakes. # 1 False Claim We disagree with BBT Bank stating we did not provide any invoices, we in fact did, that is simply not true. from : XXXX XXXX XXXX to : '' XXXX, XXXX '' XXXX date : XX/XX/XXXX, XXXX XXXX subject : Re : Agreements attached mailed-by : XXXX # 2 False Claim BBTs own Section 13e from their Policy : The Bank shall be deemed to have acted in good faith and in accordance with reasonable commercial standards in paying any items forged or altered so cleverly ( as by unauthorized use of a signature. Stamp And facsimile machine or otherwise the unauthorized signature. endorsement. or alteration could not be detected by a reasonable person. These altered checks are in fact very visible to the Naked Human Eye! # 3 False Claim The fees assessed to the checking accounts were due to BBTs sloppiness and ignoring of our multiple requests to closed the accounts and stop the transactions and fees for multiple months which we have in writing. Not only did BBT falsely and unlawfully charge us fees for their own mistakes, they caused us harm, damages and hardship for reporting to XXXX XXXX for their own errors and mistakes. One of many requests in writing : Hello urgent please XXXX XXXX XXXX Tue, XX/XX/XXXX, XXXX XXXX to XXXX, XXXX return these 3 unauthorized payments and block any future ones from this company, they have been notified multiple times, ty! XX/XX/XXXX Debit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX Debit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX Debit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} # 4 False BBT still has not forwarded the Statement from XXXX XXXX XXXX despite multiple requests by us and promises by them. What do they have to hide by sending them? This misreporting to the credit bureaus has caused hardship, excess interest and damages and is unlawful per the Fair Credit Reporting Act. One of many requests in writing : XXXX XXXX XXXX Sun, XX/XX/XXXX, XXXX XXXX to BB & T , CEO, XXXX Dear Sir/Madam, I purchased a XXXX XXXX for my Daughter in XXXX and paid it off in full. I am needing an accounting of the detailed payment history, thank you. # 5 BBT also promised to do Loan Modifications and interest only for multiple loans, this promises was also not kept We ask, why does BBT continue to penalize us, is it due to our Religious beliefs or the Fact that we have a 100 % female owned business We have contacted law enforcement, multiple State and Federal Agencies and were told that BBT does have responsibility to make restitutions. # 6 BBT {$2000.00} was promised to be completed and refunded on a recorded line BB & T Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Executives CEO : XXXX XXXX XXXX CFO : XXXX XXXX XXXX COO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone Number : ( XXXX ) XXXX Fax Number : ( XXXX ) XXXX Website : XXXX : XXXX Dear Sir/Madam, We had a very troubling course of events regarding the Stop Payment of ck # XXXX for {$2000.00}. We called XXXX on XXXX XXXX XX/XX/XXXX ID # XXXX XXXX Supervisor ID # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Supervisor XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$2000.00}, # XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX opened up a case XXXX XXXX XXXX XX/XX/XXXX Resolution Reverse Fees and Late Charges, Refund altered Checks, Loan Modifications, XXXX XXXX XXXX Mis Reporting, Refund {$2000.00} Stop Payment as Promised
05/31/2018 Yes
  • Money transfer, virtual currency, or money service
  • International money transfer
  • Other transaction problem
  • SC
  • 29169
Web
To whom it may concern. I was sending two international wires to purchase a company from my business account through my bank, BB & T ; the first wire went through successfully with no issues ( XX/XX/XXXX ) ; however, the second wire was never delivered ( all information for the recipient, and the same amount was exactly the same ) XX/XX/XXXX. I have requested for the wire to be recalled because recipient can not wait for this situation to be resolved and submitted a new wire on XX/XX/XXXX of {$10000.00} ; however, this wire was delivered past the due date for my agreement in buying the business by XX/XX/XXXX and I incurred a {$5000.00} penalty that I had to pay to the seller from another account and another bank because I can not trust BB & T anymore. I have requested the {$10000.00} be returned to my Business checking account. Research that have done by BB & T indicates on XX/XX/XXXX, an international wire for {$10000.00} was sent to XXXX XXXX XXXX and no issues were reported. On XX/XX/XXXX, another international wire for {$10000.00} was sent to XXXX XXXX XXXX ; however, XXXX XXXX XXXX ( intermediary bank because BB & T is not sending international wires directly ) compliance held the wire due to confusion on recipient of the funds ( wires attached ). Once this was resolved, XXXX XXXX XXXX released the wire and it was sent to XXXX. Due to XXXX never releasing the funds to the recipient, I have decided on XX/XX/2018, to recall this wire and send a new one for {$10000.00}. A new wire was sent to XXXX XXXX XXXX in the amount of {$10000.00} and no issues were reported with this wire. According to BB & T, their International Wire department has sent numerous requests to XXXX XXXX XXXX, who then forwarded the requests to XXXX, requesting the funds back. XXXX has not responded to our requests. Again, based on BB & T responses. All people involved are in screenshots from attachment. BB & T stated that until XXXX returns the {$10000.00} back to XXXX XXXX XXXX to then return to BB & T, they are unable to credit my account. The problem is that BB & T never provided a resolution of the problem - what will be the next step? Who is going to do such step? What SOP for this situation? How is it going to be escalated? I have wrote a letter to XXXX and received a response and even call from them next business day ( deceiving statement from BB & T that XXXX had been unreachable ). I am stressing this out I did that personally, not like a financial institution who is holding and supposedly protecting my money. The results of this investigation in attachment. BB & T did not do enough to recover this money, did not understood an urgency of the situation and acted just like washing their hands after research is done ; we do not know where is your money, we do not know when you going to get them. You are on your own, in other words. Totally unacceptable, unethical and unprofessional approach. Please, note that I have started with a Branch Manager, XXXX XXXX, to help me resolve this issue, then with SVP XXXX XXXX. I have been following proper chain of commands to resolve this for 8 weeks! Official letter had been drafted by XXXX and will be send to me by mail with every step had been taken to recover this money. I still do not have these money on my bank account but hoping to get them soon. I have been going through financial and personal distress to recover these money and BB & T refused to take responsibility and resolve this. Not sure if XXXX XXXX XXXX did enough to follow through but certainly not BB & T as supposedly my financial institution and protector of my money. Respectfully, XXXX XXXX XXXX
08/12/2015 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • VA
  • 23061
Web Servicemember
This is to provide a detailed account of the way in which Branch Banking and Trust BBT mislead me when I requested support regarding my checking account ending in XXXX. On XXXX XXXX I called BBT Phone XXXX Support to make an inquiry about a check for XXXX that I did not authorize, that subsequently cleared my account. Once fraudulent activity was confirmed, I went to the BBT XXXX XXXX, XXXX, VA XXXX and was assisted by XXXX XXXX XXXX. I informed XXXX XXXX that my checking account incurred fraudulent activity as reported earlier to BBT Phone XXXX. XXXX XXXX blocked the account and asked me for the number of the last check written for the checking account ending in XXXX. I informed her it was check XXXX written on XXXX XXXX to XXXX XXXX XXXX for XXXX. I specifically remember as I requested that the check number for my new checking account begin in numerical sequence starting with check XXXX. Therefore, check XXXX and every check that preceded XXXX should have been paid from the checking account ending in XXXX, as they were written before the block was placed on the account on XXXX XXXX. XXXX XXXX and I discussed debits and checks that needed to clear account XXXX and she indicated that though the account was blocked, the items that needed to be paid from that account could come through and would be paid. She then opened a new checking account for me ending in XXXX with a beginning balance of XXXX. Checks and debit amounts were deducted from the previous balance for account XXXX to cover items that needed to clear. The remaining balance XXXX, then became the beginning balance for the new checking account ending in XXXX. I provided XXXX XXXX with all of the information requested. She provided XXXX check via the bank starter kit and indicated it would be approximately 7 to 10 business days for new checks to arrive. Shortly afterwards, I mistakenly wrote XXXX checks XXXX, XXXX XXXX XXXX, XXXX and XXXX, to XXXX XXXX for XXXX. I called BBT Phone XXXX for support and they directed me to the branch. I went to the BBT Branch, XXXX, VA XXXX on XXXX XXXX. I explained to XXXX XXXX XXXX that there had been fraudulent activity on my previous account and that I had written XXXX checks by accident on that account after it had been blocked. XXXX XXXX indicated she would make a notation for Central Processing to force pay the checks from the new account. She said she could not make any promises, but that Central Processing should look at the notes prior to processing the checks. I asked XXXX XXXX if the checks had already been returned and she indicated that she was not able to review that information. XXXX XXXX then submitted documentation to close the checking account ending in XXXX. The following week the payees for those checks indicated that the checks had been returned. I was informed by Phone XXXX that funds could have been deposited to the account ending in XXXX to cover checks, XXXX and XXXX, as the account was blocked but not closed. I did not ask XXXX XXXX to close account XXXX, as items still needed to clear. However, I followed the guidance provided by both XXXX XXXX and XXXX XXXX, under the assumption it was accurate. As a customer I can only follow the guidelines provided as I would be unaware of BBTs Internal Banking Processes. I was also informed by the payee that Check XXXX, XXXX XXXX for XXXX to XXXX XXXX was returned. This check was written before the account was blocked and should have been paid by BBT. I spoke with XXXX XXXX and she stated that checks XXXX and XXXX were presented for payment after she closed the account and that XXXX XXXX had no record of check XXXX. Additional information attached.
10/20/2016 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • TX
  • 77479
Web
For XXXX/XXXX/XXXX to XXXX/XXXX/XXXX period BBT Activities : There was service charge for any account. My Argument : when I signed contract with XXXX bank, my accounts were set up with no service charges. During this period, BBT abided the contract I had signed with XXXX bank. At XXXX/XXXX/XXXX My request : I made request to transfer all money from my " Business Money Rate Savings '' account to " Business Value 200 Checking '' account and close " Business Money Rate Savings '' account. BBT Activities : the clerk did n't do it and left the account open with {$9.00} although he told me the account was closed. My Argument : why the clerk did n't tell me the truth, whether that was intentionally or just mistake? From XXXX/XXXX/XXXX to XXXX/XXXX/XXXX period BBT Activities : There was a " Cash Management Online '' service charge {$35.00} from my " Business Value 200 Checking '' account. My Argument : I never set up " Cash Management Online '' service with BBT and even do n't know that I have this service with BBT. BBT never tells me either by phone or letter anything about this service. On XXXX/XXXX/XXXX My request : I noticed that my " Business Money Rate Savings '' account had not been closed as I requested at XXXX/XXXX/XXXX, I asked clerk to close my account. BBT Activities : Again, the clerk said my account was closed, but actually left open with {$9.00}. My Argument : I really do n't know this is BBT system issue or clerk issue? From XXXX/XXXX/XXXX to XXXX/XXXX/XXXX period BBT Activities : 1. There were " Cash Management Online '' service charges {$35.00} from my " Business Value 200 Checking '' account each month. 2. There were " Cash Management Online Business Banking '' service charges {$35.00} from my " Business Money Rate Savings '' account which had {$9.00} each month. 3. There were " Cash Management Online CD Account Maintain '' service charges {$40.00} from my " Business Money Rate Savings '' account which had {$9.00} each month. My Argument : in these three months period, BBT added two other charges to my " Business Money Rate Savings '' account : " Cash Management Online Business Banking '' and " Cash Management Online CD Account Maintain '' which I never get noticed. And BBT charged me " Cash Management Online CD Account Maintain '' even I do n't have any CD account! From XXXX/XXXX/XXXX to XXXX/XXXX/XXXX period BBT Activities : 1. There were " Cash Management On '' service charges {$35.00} from my " Business Value 200 Checking '' account each month. 2. There were " Cash Management Online CD Account Maintain '' service charges {$40.00} from my " Business Value 200 Checking '' account each month. 3. There were " Cash Management Online Business Banking '' service charges {$35.00} from my " Business Money Rate Savings '' account which had {$9.00} each month. 4. There were " Cash Management Online CD Account Maintain '' service charges {$40.00} from my " Business Money Rate Savings '' account which had {$9.00} each month. My Argument : in these three months period, BBT added one more charge to my " Business Value 200 Checking '' account : " Cash Management Online CD Account Maintain '' which I never get noticed and even I do n't have any CD account! The Keys : a. I never get notice that I have BBT " Cash Management Online '' service associated with my accounts. b. I never get notice that BBT " Cash Management Online '' service has fee associated with it. XXXX BBT charged me total {$1100.00} for nothing! d. After numerous arguments with XXXX XXXX, and his manager XXXX XXXX, they agreed to refund me {$840.00} but still held my {$310.00} for no reason.
10/09/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Application, originator, mortgage broker
  • TX
  • 752XX
Web
This is a formal complaint against BB & TI am a victim of mortgage, lending and appraisal fraud. At the request of the Federal Reserve I am filing a formal complaint against Branch Banking and Trust Company ( BB & T ). XXXX XXXX, parent of XXXX XXXX XXXX XXXX ( XXXX ), was closed down on XXXX XXXX, XXXX. XXXX XXXX XXXX Bank declared bankruptcy after an FBI raid & investigation into fraud. After the FBI put XXXX and parent company XXXX XXXX under for deceptive trade violations, my mortgage was sold to BBT. XXXX were the residential mortgage loan originators and they sold my loan to BB & T after the FBI forced them into bankruptcy. The residential mortgage that was transferred to BB & T has left me with a toxic asset that I will never be able to recover from. The underwriters at XXXX induced me into signing a consumer residential mortgage transaction by fraudulently allowing an appraisal to be submitted that was over valued by XXXX due to functional obsolescence and diminished site utility. As a result of the numerous violations that were committed by XXXX I now am forced to sell by home as a XXXX bedroom house instead of a XXXX bedroom home as appraised and underwritten for my collateral. I tried to seek a judicial remedy in Texas but the Statute of Limitations has prevented me seeking recovery. XXXX and XXXX XXXX have been put into bankruptcy by the FBI, my home was fraudulently appraised, BB & T is in possession of my note and I need help! In XXXX I bought a For Sale by Owner property described as a XXXX acre, XXXX square foot, XXXX Bedroom home for XXXX. The asking price for the home was XXXX. I made an offer of XXXX based on the public record tax evaluation of XXXX. The offer was rejected and a contract was established half way at XXXX. My median credit average of XXXX out of XXXX applied for financing and a good faith estimate was issued by XXXX to include an inspection and appraisal. The property appraised at XXXX Cost Approach, XXXX Sales Approach, and a final offer of XXXX was established. A retroactive appraisal and appraisal review were performed in XXXX to verify the collateral I signed and contractually committed too. The XXXX reports discovered that the property should have appraised at XXXX. The XXXX over inflated valuation has left me with a toxic asset that has forever ruined my financial stability and destroyed my credit rating. TBW violated both federal and state laws designed to protect borrowers from illegal appraisal practices, and without the intervention from the CFPB I will forever be burdened with a debt that I can not possibly repay in this lifetime. I have filed complaints against XXXX for the mortgage and lending fraud they committed against me with the FDIC, CFPB, XXXX, FHFA, FHA, OCCC, Texas Mortgage Banking Association, and the Attorney General. Not one of the agencies that are set up to safeguard my consumer rights have been able to help me. I am getting shuffled from one agency to the other and need to find help to address this hardship. The most recent request from the Federal Reserve has directed me to file a complaint with the CFPB against BB & T. I would not presume to know the various channels available to anyone at the CFPB for making either direct or indirect subtle inquiries into federal and state fraud claims on my behalf. However, given the MASSIVE negligence surrounding my concerns and complaint, combined with the complacency from all the agencies I have reached out to, the very least the CFPB can do is to provide a measure of support that will give me some perspective of use for these organizations.
03/03/2019 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • NC
  • 273XX
Web Servicemember
XXXX XXXX XXXX, XXXX was formed in XXXX NC in XXXX. The Sole Owner is XXXX XXXX XXXX. XXXX XXXX XXXX opened a Checking account at a BB & T Branch in XXXX NC near XXXX XXXX XXXX for XXXX XXXX XXXX, XXXX. Some time in XXXX at a Local VA BB & T Branch 2 depository /checking accounts was illegal opened in the name of XXXX XXXX XXXX , XXXX . The SOLE owner XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX did not open these accounts nor did be sign for them to be opened. If he had signed for them he would CLEARLY been a Signatory to them. Since the XXXX itself is incapable of walking into a Branch and Opening an account. Common Sence would prevail that ONLY XXXX XXXX XXXX can open accounts on behalf of his SOLE owned XXXX. Other CFPB disputes provided the Articles of Corporation Documents. BB & T states that I am not a Signatory to those 2 Fraudulent Accounts opened in the name of XXXX XXXX XXXX, XXXX. Their claim is totally debunked, however they are correct that " I wouldn't be a Signatory to them ''. This 110 % proves my case that these accounts where in FACT opened by XXXX, with BB & T by negligence and Fraud. BB & T was grossly negligent in not clarifying or even so much as looking at a single public record of XXXX XXXX XXXX, XXXX. They just blindly handed to XXXX not one but two Depository and Checking accounts in the name of XXXX XXXX XXXX, XXXX. Once XXXX XXXX XXXX obtained these 2 Checking accounts, he was in sole custody of the needed tools, which he then used to write checks made out to CASH. He then had them CASHED by XXXX XXXX and other local VA Branch Tellers. Mr. XXXX also had the statements going directly to his Home Address and from XXXX and he managed to remove XXXX CASH totally XXXX and an additional XXXX or more when XXXX was allowed to close them out even after I reported this SAR to XXXX XXXX the XXXX VA Branch President at the time during XXXX time frame. BB & T has continued to commit Fraud, Fabrication lies, cover up fraud and forgeries. BB & T has further asserted unbelievable claims that it is protecting the account holder. If it was in the name of the XXXX and we know it was by its captured deposited incomes from the XXXX name going into these accounts. They should be held legal and FDIC insured liable to the XXXX itself and it rightful owner XXXX XXXX XXXX. These accounts where established by fraud and BB & T was grossly negligent in its " Due diligence '' in protecting the LLC from being defrauded and essentially Robbed of ALL it's working capital in these Distributions of Its XXXX cash. This cash was handed out by its local tellers at its VA Branches to XXXX XXXX XXXX. In Fact BB & T further took an addition reported XXXX from XXXX, whilst both of them where named Co-Defendants in pending Civil Litigation filed cases that was timely lodged in XXXX VA Circuit Court, later moved to XXXX County Circuit Courts by XXXX XXXX. XXXX XXXX followed these cases to XXXX County Circuit Court. These cases where filed back in XXXX and have been repeatedly blocked and denied any " Due Process '' of litigation on the merits to date. That's because they all know it's a Fraud and a Lie by design to cover up BB & T 's liabilities for the destruction of a XXXX XXXX Dollar XXXX back in XXXX. BB & T has been evasive, grossly negligent, and boldly has stuck to a indefensible assertion that it did not error. WoW BB & T. Your CEO Line Staff is totally out of line and is trying to continuously cover this up with CFPB, despite the fact that they Fined XXXX XXXX for doing exactly the same things in which BB & T has done here in this case. Why is that?
05/30/2017 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • VA
  • 245XX
Web
We are a working couple, with a daughter in college, a mortgage and two car payments. From XX/XX/XXXX until XX/XX/XXXX , I was without full-time employment due to budget cuts within the company by which I was employed. Needless to say, money was/is very tight for us and we were/are attempting to survive every month on a very tight budget. Thankfully, in XX/XX/XXXX , I regained full-time employment and we have hope for the future. But, the recovery we have hoped and worked for has been difficult to obtain, as we are struggling to recover from the loss of more than {$4500.00} tha t BB & T h as collected from us in bank fees during our crisis period. In XX/XX/XXXX , we made a {$1000.00} error in our bank account and took 100 % responsibility for our mistake. We approache d BB & T in at tempt to find some financial relief from more than {$2100.00} in Overdraft Fees th at BB & T charg ed ( du ring XX/XX/XXXX and XX/XX/XXXX ) a s a result of our mistake. Despite multiple visits to our branch bank, letters to BB & T Customer Service and a letter to the Senior Vice President & Chief Client Experience Officer, BB & T would not offer help in alleviating the disastrous loss of funds we had encountered. No doubt, the loss of {$2100.0 0} in XX/XX/XXXX and XX/XX/XXXX put us in an even deeper hole. That money would have allowed us to better survive fro m XX/XX/XXXX until I found fulltime employment in XX/XX/XXXX , b ut without that money we continued to incur additional bank overdraft fees in meeting our monthly obligations. During this peri od, BB & T colle cted another {$2000.00} in overdraft fees from us, often times charging {$36.00} per transaction for transactions that were less than {$5.00} in value. The loss, in total, of more than {$4000.00} of our hard earned income has been devastating. But, becaus e BB & T was unwillin g to show us any significant mercy, we begrudgingly accepted this as our fate and vowed that we would work our way out of the deep hole that the loss created. But, on XX/XX/XXXX , BB & T took an action that finally sent us over the edge. On this date, I de posited a check from my employer for {$1000.00}. This was money we desperately needed in the bank. B ut, BB & T placed a ridicu lous seven ( 7 ) day hold on the funds, citing that we had repeatedly overdrawn our account in the last six months. We have attached a XXXX report that indicates th at BB & T collected these funds within 24 hours, yet did not release the funds to us for a full seven ( 7 ) days, resulting in BB & T charging an additional {$280.00} in overdraft fees to our account, earning float on funds that were not rightfully theirs to exploit, causing us public embarrassment due to a returned check to an important vendor, and placing additional physical and emotional stress on our family. Incomprehensively, BB & T acc epted the exact same deposit from my employer o n XX/XX/XXXX a nd XX/XX/XXXX , wi th nothing more than an overnight delay of funds. We believe that rather than attempting to assist a long-term customer who desperately needed hel p, BB & T in tentionally sought additional ways to earn as many fees as possible, fully disregarding the well-being of their client and disingenuously promoting a mission to help our clients achieve their financial hopes and dreams. It would have taken just a small amount of grace and forgiveness in XX/XX/XXXX f o r BB & T to help us achieve our financial hopes and dreams, but the bottom line obviously trumped the mission statement.
05/13/2015 Yes
  • Mortgage
  • Home equity loan or line of credit
  • Loan servicing, payments, escrow account
  • NC
  • 27107
Web
XXXX XXXX, 2014, I made a payment to BB & T in the amount of {$300.00} to be appliedtoward the principle balance of my mortgage ; my monthly payment had already beenmade and applied to my account. BB & T did not applied this {$300.00} pay to myaccount, instead they held this {$300.00} payment without my permission and against mynumerous requests for almost one year. Although, I had my recite to proved thatI had indeed made this additional payment to my account and requested it to beapplied to the principle ; and to the fact that the regular monthly payment hadbeen satisfied. Despite my calling BB & T numerous times, and going by their branchoffices with my recite, trying to get assistance with this matter to no avail. My receipt was photocopied on at least XXXX occasions with a statement givenrequesting that this money be applied to my account, all to no avail. I washung-up on several time over the phone after being put on very long wait time. Times when I was able to get though by phone, I was told that they wherechanging over their computer system, ant the up date to my account would be madesoon, and I would be contacted. This did not happen the credit/ up date to myacc. Applied to principle. At one point, I was was told that the {$300.00}. payment wasin a special account that I had no assets to. It was just being held there. On ( date ) at their XXXX XXXX branch, I spoke with, XXXX XXXX at the XXXX, NC office. again phoned themanager over the mortgage office, XXXX XXXX XXXX to get this taken care of butnothing was ever done after promise after promise ; buy BB T did nothing to rectifythis situation for over 11 months. When they finally did something ; theyaccused me of being several months late with my payments ; which was totallyfalse. They went back and changed my payment history to reflect missed paymentsand numerous late fees. They changed my account to show numerous late fees andother charges. They threaten me with foreclosure, and said they were reportingme to the credit bureaus. Despite the fact that all of my payments were madeon time, without any late fees showing before I started to complain about thissituation. I contacted the XXXX for their assistance with the matter, that iswhen BB & T said they gave me credit on XXXX 2014. But what did was changedthe payment history from payed on time to delinquent and threaten me withforeclosure on my home. For 11 months, BB & T has done nothing to rectify thismatter, but instead threaten me with foreclosure. After 11 months, close to oneyear of this going back and forth with them, I told them that since they wereunwilling to correct their mistake, I would not pay the full {$330.00} payment, but I would only pay {$32.00} on my mortgage for the month of XXXX 2014, and Iwould be contacting the XXXX for assistance with this matter. I explain, thatbecause they were holding a three hundred dollar payment of mine and had notgiven me credit, and I was tried of them giving me the run around. Only then, is when BB & T. that is when they did this changing of the history, and they alsocharged my mortgage account a late fee of {$25.00}. Even though, BB & T acknowledgedthat they were holding my {$300.00} in a special account with out my permission andwithout giving me interests on the {$300.00} that they were holding nor givingme access to the funds. At no time did they ever question my receipt nordid they ask for additional proof of this payment. They simply chose not to deal withthis matter, but chose instead to ignore my many, many requests to correct this and applie to my principle
08/20/2017 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • VA
  • 243XX
Web Older American, Servicemember
XX/XX/XXXX I applied for a home equity loan at BB & T . The 20 year manager said my chances were " excellent '' and " for 4 % or lower '' and she " recommended '' me : My credit score was " excellent '' ( XXXX ), loan debt under 6 % of available credit, average BBT savings over six figures last four years, for two plus years over {$200000.00}, last month {$73000.00} as I paid off my home mortgage, my home appraised for {$97000.00} in XXXX, double my request, itemized net monthly expenses are HALF of my net monthly income, ten years with BBT, NO negative interpersonal reports and my two letters of praise, not many take time to offer to the BBT President re : BBT operations including XX/XX/XXXX ( when BBT rep. said she was very happy as the Executive Line " gets mostly complaints all day '' ). *** Finally, a BBT official told me their new philosophy is the " whole person '' concept. BBT applied the exact opposite in my case. Lacking any coherent rationale to deny me, BBT invented a tiny excuse that any reasonable 6th grader would find ridiculous. BBT used this to place me in the highest risk group and double my percentage to 8 % which is equivalent to a denial. The BBT branch official told me she knew I could not accept it. Reason : I had too many credit inquiries back in XXXX, including three at BBT, one for car loan, one for a BBT credit card. Thus, in addition, BBT punishes '' its own customers for following BBT 's process to borrow IT 'S money which reqires a credit score check! Then BBT uses that inquiry along with other credit checks to deny a customer. BBT offers to loan money for cars, homes, furniture, campers, farm equipment and all the things it 's customer 's need, require a credit score check EACH TIME, then use those occassions to deny you, at least in my case. I do n't know the dispositions of the other three applicants submitted that day. Naturally, no-one will put in writting this decision, blatantly contradictory to BBT 's stated policy and new more just philosophy and sign their name to it. Business card I was given by branch officials to complain to was " Vice President, Retail and Small Business Leader ''. My request was a HOME equity loan! None one my criticisms relate to the Branch officials in XXXX Va., ( where I seldom visit** ), or multiple branches in FIVE other states, BBT help line, BBT online banking system, or any other aspects of BBT. ** I use online banking. There was no unpleasantness at the branch, at or after the 10 minute notification or it would certainly be in the record. This one silly and unfair decision, does NOT remotely outweigh the literally hundreds of times BBT has helped my family and me, in too many ways to mention in good times and in tragedy. I 'm not mad or vengeful. I do n't mind being lied to, promised fair treatment and " new philosophy '' then get the opposite, or even be treated like I do n't know the difference between right and wrong in a XXXX or business context. Mostly, it 's that these people have no guilt at all, about treating their own long time customers in this ice cold, unjust and totally unnecessary manner. If this is being done to others, it 's demeaning and disrespecful ... not to me, but to the good name of BBT! Thank you. BB & T Corporate Office BB & T Corporation Corporate Office Address BB & T Corporation XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Contact BB & T Corporation Phone Number : ( XXXX ) XXXX Fax Number : ( XXXX ) XXXX Website : XXXX : XXXX Email : Email BB & T Corporation Executives CEO : XXXX XXXX XXXX CFO : XXXX XXXX XXXX COO : XXXX XXXX XXXX
05/20/2015 Yes
  • Bank account or service
  • Other bank product/service
  • Account opening, closing, or management
  • TX
  • 75154
Web
BB & T, specifically XXXX XXXX who is XXXX of their financial team leaders, completely deceived me and repeatedly gave me false information which led to me applying for credit to receive a home equity line of credit AND a personal line of credit. I originally spoke with XXXX XXXX/XXXX/2015 and clearly explained my financial situation and needs. I needed a revolving loan for XXXX. I explained my current home loan is with BB & T and when the loan originated, it was a cash-out refinance/home equity loan. He then advised that a Home Equity Line of Credit would be the " perfect '' solution for me. After going-through the application process, pulling my credit and getting a " conditional approval '' ... ..BB & T began pulling the title work and realized ... .whoops ... this is already a home equity loan. In the state of Texas, you can only have XXXX home equity product and I was advised we could not move forward with the loan. A financial team leader should KNOW this information and should have never let me apply for this type of loan, ESPECIALLY when my original loan is with your bank!!!! I was completely duped, mislead and deceived when applying for this type of loan. Then, XXXX and I began discussing other options ... .such as a personal line of credit. This was another " perfect '' solution, according to XXXX ... .but required another credit application and credit inquiry. Before applying, XXXX said, " If I submit the same application right now, you are guaranteed an approval for $ XXXX - worst case scenario. '' He then said, " If I want {$25000.00}, then I need to be able to prove I have {$25000.00} in liquid assets, such as cash. '' I explained to XXXX that I did have {$25000.00} cash, but it was not in a bank account because it was something constantly used for different investments purposes such as purchasing land, property, etc. He said ... well that 's ok because we just need to verify you have the funds. He then offered for me to come open a checking account with BB & T so I could deposit the funds there and that would serve as proof of funds. I told XXXX that I appreciated the offer but it did n't really make sense for me to do that since I already have existing checking and savings account elsewhere and that I would deposit the funds into XXXX of those accounts. XXXX said sure, no problem ... .but that it would be easier if it was with BB & T XXXX I asked XXXX several times if he saw any potential roadblocks, red flags or issues with me depositing those funds into my account. He repeatedly assured me that there would be no issues and that I was guaranteed $ XXXX if some problems did occur, but he constantly reassured that there would be no issues and encouraged me to apply and submit my credit application again. So I let him submit the application again. After submitting the application, the underwriter counter-offered with only $ XXXX as an offer and asked for proof of funds to consider a high-offer ... ..even though my liquid assets increased by $ XXXX. This was a shock. I had already been told and deceived that with my prior application, I would get " no-less '' than an offer for $ XXXX. I provided proof of funds and a bank statement showing available funds. The underwriter kept the offer at $ XXXX, even though I provided proof of funds. So not only did I get a lower offer than what I was guaranteed by XXXX several times before applying, but after showing proof of funds/assets ... .I was still denied a higher loan amount ... .which XXXX guaranteed several times.
11/13/2015 Yes
  • Bank account or service
  • Checking account
  • Using a debit or ATM card
  • KY
  • 40272
Web
When I originally opened my checking account with Branch Banking & Trust ( BB & T ) it was my understanding that they would not charge me overdrafts fee 's not allow a transaction to process without having enough funds available. I opened this account in XX/XX/XXXX never any issues. In the past when I try to take cash out of the ATM and did n't have enough cash in that account it would deny me. However my first issue arose in XX/XX/XXXX. I was charged a {$36.00} over draft fee. When I called to investigate they told me I changed the ability to overdraft at an ATM. I thought this was a very preditory thing to give authority of at an ATM. What if my card was stolen they could have withdrawen whatever amounts they wish. I figured if I had I must have thought it was asking for a receipt for my transaction. I withdraw cash a lot at ATMs and never heard of this question popping up. On that first occurrence I told the BB & T representative that I wanted that changed back. She assured me it was taken care of. I had no issues until today XX/XX/XXXX I wondered why my balance was so low when I had just had my direct deposit hit. After logging in I discovered a {$210.00} overdraft fee posted on XX/XX/XXXX. I called BB & T and the representative proceeded to tell me my opening balance that day and all the pending transactions that was charged that day. My question, " Why did you allow it to go through? I would have used a differant account. '' the representative told me again about me opting in for overdrafts at an ATM in XXXX. I told the representative about the previous instance and she offered me {$72.00} back. I proceeded to speak with a supervisor and explained my disatisfaction of the excessive overdraft charge and their predatory ATM policies. She explained the representatives nor her could opt me out for this. I could call back select option XXXX and opt out myself or go to the website. This was never told to me on the first phone call. Reasons why I feel this company acted predatory and abusive : 1. I had almost four thousand dollars deposited overnight the overdraft fee posted the XXXX my direct deposit hit the XXXX. 2. When I have thousands of dollars in the account BB & T posts transactions in the pending status online in real time as I log in after order pizza to verify the pizza transactions go through. However in this instance all of a sudden they posted transactions to the posted transactions in realtime instead of going to pending status. When there is thousands in the account it takes 3-5 days to post after being placed in pending. 3. Abusive {$210.00} overdraft fee for transactions that should not have posted. 4. They never notified me of overdraft fee it showed up on my online account activity 4 days after the supposed overdraft fee posted. 5. They refused to fully satisfy my concerns with their business. 6. The power to opt in or out to overdrafting should not be a pop up window question with a push button yes or no. This is predatory due people in poverty may opt into this based on a pop up window not critical thought and cause them to pay excessive interest rates ( Fee's=interest especially when charged daily ) for short term overdrafts. ( overdraft=temp loan from bank ) 7. I woke up with a positive balance XX/XX/XXXX and a bigger positive balance on XX/XX/XXXX. I am closing this account and switching my direct deposit to my credit union as yet another inconvenience to me as they charge other fee 's however they do not try to hide that.
01/03/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • SC
  • 29720
Web
Mr. XXXX XXXX CEO XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Mr. XXXX : Over the weekend, the attached letter and envelope was hand- delivered to me by someone who, mistakenly, opened it, after it was delivered to the address of XXXX XXXX XXXX XXXX, XXXX XXXX SC XXXX. I do not live at XXXX XXXX XXXX XXXX, XXXX, SC XXXX. Inside the envelope was the attached letter, containing my bank account number. My security has been BREACHED by the carelessness, foolishness and neglect of your employees. How many other letters, containing my account information, has BB & T mailed to the wrong address? Furthermore, since the letter is not drafted on XXXX letterhead, I do not take its statements seriously. The letter states my account will be closed, today. Obviously, this can not take place is it is in RETALIATION for my complaints about XXXX XXXX and XXXX XXXX failing to return telephone calls and attempting to charge me closing costs which I was told would be waived by your staff on the day that I opened my account. Effective, IMMEDIATELY, I am taking over as the XXXX XXXX XXXX XXXX for XXXX and will clean up this mess! You, and everyone else, report to me. Please prepare my new office inside your XXXX branch so that I can report to work Thursday, XX/XX/2020 at XXXX XXXX. EST. You are directed to keep my account open, in good standing, until further notice, Furthermore, you are directed to pay me the PENALTY FEES OF {$100.00} XXXX, XXXX, XXXX, XXXX, XXXX, to me, IMMEDIATELY, for BREACHING my security! These funds are to be, IMMEDIATELY, deposited into my account when this email is received! Many thanks! XXXX XXXX XXXX I wish I read all the one-star, negative reviews before I opened my account. So many negative reviews mean BB & T stands for Brainless Banking Trash, When I opened my account, I wasn't given a temporary debit card. ( Strike one ) I was about to refinance my home and asked the intake clerk if BB & T waived closing costs for current account holders. She said yes. Later, the loan people laughed at be for believing her and refused to waive the costs. ( Strike 2 ) Calls were also not returned. VERY UNPROFESSIONAL!!! When I called corporate to complain, they dragged their feet. ( Strike 3 ). But, wait, there's more! Corporate decided to close my account and sent the letter to the WRONG address where it was opened ( Revealing my ENTIRE ACCOUNT NUMBER TO A STRANGER! ) Fortunately, the stranger saw the CORRECT address on the actual letter and brought it to me. STILL, THIS IS A MAJOR SECURITY BREACH!!!!! Because it was the weekend, I had little recourse, and had to wait until Monday. when I tried to call the lady who signed the letter, THEY REFUSED TO LET ME SPEAK WITH HER!!!!! After waiting 32 minutes arguing and being put on hold, I hung up, called back, and was connected with XXXX who promised to give me 2 more weeks and call me back about my request for 30 days, XXXX never called back and I emailed corporate with a copy of the wrong address envelope and a substantial fine. The result? More retaliation. They had the branch manager XXXX XXXX, call to harass me to set an appointment to close the account. When I refused, they closed it without telling me! My mortgage payment hadn't cleared and the fraud department is stuck on " Let me call you, tomorrow ... ) If it wasn't for the hassle of changing accounts I would be thrilled to walk away from Brainless Banking Trash!!! Run, don't walk, from Brainless Banking Trash!!!!!
10/31/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Application, originator, mortgage broker
  • VA
  • 23464
Web Older American
I am writing to request that you look into the lending practices of BB & T mortgage. XX/XX/XXXX, I applied for BB & T construction loan to build a house on my lot in North Carolina. BB & T already holds the mortgage on the lot so I figured they already know me and it would be easier to get approved. I have never been late in my mortgage payment to them in the last 8-9 years ( not once ) and my XXXX and credit scores are excellent. It only took a few days to get me pre-approved by the agent I approached for said loan. BB & T then sent me a long list of documents they needed for the final loan itself and in about a week I have submitted every one of them. After a few weeks, they said they reviewed the documents and would need some other ones to which I complied right away. This is now XX/XX/XXXX, 6 months after I got my pre-approval. Every few weeks they would email me for more documents. The aggravating part is they will tell me about this a couple of weeks after I 've sent the last documents which to me means they let them sit for a while before reviewing them. Furthermore the documents they ask for are the same ones I already sent them. For example I have sent them a total of XXXX sets of bank statements, XXXX sets of financial statements, employment documentations, and pay stubs, etc. I sent them my last bank statements on XX/XX/XXXX. On XX/XX/XXXX, exactly one month later, they asked me for all the bank statements again. My financial situation has never changed all this time. They warned me to keep it that way and since XX/XX/XXXX I never even put a single dollar on my credit card. On the contrary I have actually added about {$5000.00} more on my savings account. What strike me as odd is the fact that on XX/XX/XXXX, they wanted me to write and sign a statement saying that I will continue to work as, I quote " your commute from your work is over an hour from your new home ''. I have never heard of that as a pre-requisite for an approval. Tens of thousands in the country buy residences an hour or more from work and commute daily and as far as I know no lenders had ever made that an issue ( or should n't ). Are they afraid that because I am XXXX years old, I will suddenly croak from long drive exhaustion? I have asked BB & T that if there is even the slightest hesitation on their part as to whether I could manage my mortgage payment then go ahead and disapprove my application so I can try other companies and get on with my life. I asked them this at least 3 times in the last 6 months and each time they told me that there is no problem getting approved. So the question is : when the industry standard for mortgage approval ( or disapproval ) is 6 weeks, why is it that 6 months later, BB & T is still working on it? I can not help but think that basing on their request for that letter on XX/XX/XXXX, they are discriminating against me because of age or because I am a minority. Perhaps they made a mistake of pre-approving me and now they want me to get so frustrated that I would voluntarily withdraw my application so that they wo n't have to worry about the {$1600.00} that they already asked me to spend for appraisal and survey and health department permit. If that is the case, then they already won because I told them last week that I was withdrawing my application. I hope that your investigation will reach BB & T 's CEO and upper mortgage department management. Thank you for looking into this matter. Sincerely, XXXX XXXX XXXX
05/29/2015 Yes
  • Debt collection
  • Mortgage
  • Taking/threatening an illegal action
  • Seized/Attempted to seize property
  • NC
  • 27215
Web
In late XX/XX/XXXX, Branch Banking & Trust [ BB & T ] initiated a false mortgage foreclosure fraud scheme against my husband, XXXX and me by invading our life with financial accusations, knowing it too cause confusion and be time consuming providing copies of checks and other evidence. BB & T scheme by design to progress slowly and included fraudulently creating problems. I complaint of BB & T 's affiliate, XXXX XXXX XXXX XXXX which does not exist pursuant to North Carolina XXXX of XXXX [ XXXX ] ; however, I believe it is operating under the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX or TradeMark Properties Mortgages. In their advertising the name XXXX XXXX is used and on their signs. This is the latest attack by an alleged agent without any authority or cause. Agent willfully destroyed 23 years of landscaping with expense plant like English boxwoods, peonies and savannah hollies XXXX feet tall, all for the purpose of a job to replace what she destroyed, then she can bill XXXX XXXX or the government a big fee. The mortgage as alleged was a XX/XX/XXXX refinance for a 20 year conventional with a fixed rate of 5.5 %, and there was no escrow account, we paid property taxes and homeowner insurance annually. BB & T targeted us willfully knowing it was itself that people should be questioning. BB & T invited XXXX XXXX XXXX XXXX XXXX [ XXXX ] to join in its bulling and harassment which, CFPB revealed XXXX was without authority to do business in NC, so next XXXX XXXX, agent filed criminal trespass and breaking /entering charges against both of us intentionally knowing she lacked authority. The judge dismissed the charges after agent failed to provide evidence of authority. XXXX still used our name and property in paper fraud filings to advance its illegal scheme by creating a negative illusion of our character by misrepresentation. I demanded copies of XXXX XXXX alleged authority to act against my property, but it agent failed to provide, but still intentional projecting bulling and abuse. XXXX XXXX 's advertisements fails to disclose how they hunt out property and then attack homeowners like ourselves for equity stripping without sour consent and against our will, this agent has employed official cops on false pretense, including a posse driving retired cop cars to intimate us. Our home is not for sale. Certain fraudsters have created a rule upon which they relay, claiming its a law, but it has no enacting clause ; therefore, it is by an unknown agent and is void and null. XXXX XXXX agent also alleges to be a federal employee of XXXX XXXX while, violating most of its federal purposes. The XXXX XXXX XXXX of Deed show XXXX and I are the only legal and lawful owners, and have been for over 23 years ; although, I do think certain people have been using our property for financial gains without our knowledge and without our consent. It now appears these actors think they have immunity under XXXX XXXX, that if they commit a crime or violate a private people 's rights to advance other certain officials or lawyers they will be protected and receive a benefit. The scheme was designed to function in this unlawful manner, aided by other false information and forms so to cause confusion. These are impostors intentionally acting to harass us and other folks, XXXX XXXX is acting as debit collector using false debit and failing to provide its authority or to obey the laws, we have evidence to prove its bulling and threats are real.
10/02/2019 Yes
  • Mortgage
  • VA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • GA
  • 30012
Web Servicemember
First Email to BBT From : XXX Sent : Friday, XX/XX/2019 XXXX XXXX To : XXXX Subject : Complaint about mortgage service I have been very disappointed with the process of getting a VA refinance loan with BBT. I have about 6 business and a personal checking account with BB & T. Both my medical practices are with BB & T. Below is an email I sent to a fiend of mine who is a VP with BBT. He forwarded it to the supervisor of Mr. XXXX, XXXX XXXX. Nothing has been done. I have heard from no one. I just wanted to put in writing the complications I have been having with my home refinance loan application via BB & Ts Loan Specialist XXXX XXXX, NMLS XXXX. Ive been a XXXX in private practice for almost 20 years now. Ive paid myself as a W2 employee of my payroll entity XXX using XXXX for years. Last year XX/XX/XXXXI sold my XXXX XXXX to XXXX XXXX XXXX and went on W2 with them. Salary about $ 130,00/year working 2 days a week for them. I still maintained XXXX XXXX work via XXXt ; earning about {XXXX} a year there. I explained all if this to Mr. XXXX. I sent him up to date pay stubs for both sources of income. XXXX pay stubs for my work with XXX and XXXX pay stubs for my work via XXX pay off my current first and second mortgage as well as pay off all my XXXX XXXX debt. Here are my ongoing problems with Mr. XXXX : He knows nothing about VA loans and their policies ; I was expecting to get {$35000.00} at closing after paying all my debt per Mr. XXXX a month ago. Yesterday he is telling me I can not get cash out and will have a bring {$5000.00} to closing. He does not seem to comprehend that XXXX income as XXXX is viewed differently than that of someone who operates a cleaners. Ive been in the same profession earning both W2 and 1099 income as a XXXX for almost 20 years. I asked if I could just hold on paying some of the credit card debt and get that cash back. He said that would throw off my ratios and I needed to pay all the debt based on my income. I asked if he included the {$60000.00} a made via XXXX as part of my annual income. He said no. He never looked at the XXXX pay stubs only the XXXX pay stubs. I explained to him that we used XXXX as our payroll service to ensure professional and credible pay roll processing. He asked me, and I can not make this up ; What is my position at XXXX? I was bewildered. I said I do not have a job with XXXX. They process our pay roll. He insisted for anther 3 times that he could not send my application back to underwriting until I told him my job at XXXX. I told him to XXXX XXXX. How the heck can someone at a reputable entity like BBT be in the loan business and not know who XXXX is? Incredible. Its been 3 weeks since I paid for my appraisal and no date has been set You know how tedious this loan process can be with someone experienced in what to do and how to do it. You cant imagine my frustration in trying to direct a bank loan official on how to process my loan properly. I feel I have wasted the last 6 weeks. Any assistance you can provide is welcomed. XXXX Second Email to BBT BBT There has been no response to my email complaint. BBT kicked out my mortgage application stating I took too long to reply to a document request. I dont respond because I was waiting for a response to my complaint. BBT still has not returned my {$460.00} loan application as promised. I am referring this matter to the Consumer Protection Bureau and the Georgia Secretary of State.
04/30/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TX
  • 75067
Web
My husband and I have been struggling to hang onto our home since we lost our jobs nearly 4 years ago. We were able to go through HAMP, and have been doing ok until his contract position ended in XX/XX/XXXX. I can not pay the mortgage on my own, so we were going to give the loss mitigation process another shot. We filled out the necessary paperwork and we were denied assistance, not meeting criteria. I appealed the decision in XXXX of this year and we lost the appeal. At this point, we were due for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. We had to be delinquent to request help. Now we are faced with catching ourselves up, or losing our home. I received a letter stating we needed to make a payment of {$5100.00} by XX/XX/XXXX, then I received a letter stating we needed to make a payment of $ {$6600.00} by XX/XX/XXXX. I called on XX/XX/XXXX and advised I would be making 3 full payments that week, and the remainder of amount due by the following Friday. I was advised that would be fine and the agent noted my account of my intentions. I made a payment of {$1500.00} on XX/XX/XXXX, and 20, totaling {$4700.00}. Those payments were received on XX/XX/XXXX, and XXXX. I noticed the payments were not posted, so I first called on Thursday, XX/XX/XXXX to ask why they were not posting to the account. The agent told me it may just take a few days and that I should check back, due to the status of the account. I called back on Friday, XX/XX/XXXX and was told that I could not split the amount up, that it should have been paid in one lump sum. I was never told this. The letter I received from the bank did not contain this information, nor did the agent onXX/XX/XXXX tell me this. Had that been the case, I would have waited until the following Friday to pay the entire amount. The agent on Friday said he would send an email to the department that had the funds and find out what they planned to do with them. According to him, that was the only way to contact this department. I checked back later that afternoon for an update, and there was none. This agent told me there was a possibility the money would post since it was full three payments and got me under my 30 day late threshold. She also told me to check back. I called back today and was advised my money posted to a report to be held for 7 days, then returned to me by check. I have not gotten the same answer at all, except for the fact the money had to be paid in a lump sum. The agent today read the notes to me from my XX/XX/XXXX call. It clearly stated what I was going to do. But, she said since it was not entered as an accepted promise, it did not matter. Even though the agent told me it would be fine to send it that way. I requested a supervisor, but was told that the notes on the account were from a supervisor, so I was not allowed to speak with one. She told me they would reach out to that department for an update. Now I am looking at a XX/XX/XXXXdeadline to cure this amount, or pay additional fees or face foreclosure. I have no idea what they are doing with my {$4700.00}. And I have the additional money to add to that to pay the {$6600.00}. I am so scared I will end up losing my house because I was not told how that money needed to come in. I realize this started with me being in default, but I should be able to rely on my mortgage company to give me the information I need when I call, especially when misinformation threatens my home even more.
11/25/2016 Yes
  • Bank account or service
  • Checking account
  • Using a debit or ATM card
  • NC
  • 27105
Web
On XX/XX/2016, I was having computer issue. My browser told me that my computer was locked and that I had to call a technician number from XXXX, so I called the number. There was a male on the phone named XXXX, claiming to be a technician affiliated with XXXX, asking me how he can help. I explained the situation to him, and he told me he could fix it. He gained remote access into my computer with some sort of program they had, and wiped my computer. Once they finished, they asked for a card number to charge to, so I gave him my credit card number, and he charged me a service charge of {$99.00} onto it. That was the last I heard from him. On XX/XX/2016, the same male, XXXX, called and said " Due to recent server issues, we are going to refund you your {$99.00} back. '' I agreed to it and he gave him my debit card number. I given him my debit card number. Once again, he gotten remote access into my computer. Next thing I know, XXXX gained access to my bank accounts. He moved money from my credit card to my checking account. I told him to stop but he then replied " I am showing you that I am going to put the money into your account. '' I thought he would directly deposit it into my checking account, but then he told me " For me to send the money to you, I would have to send you the money through a XXXX account. '' I found out that he knew my e-mail address, and set up an online XXXX account in my name, and instead of sending me the refund, he sent a person name XXXX {$360.00}. I grew Irate and told him that I wanted to speak to his supervisor. Soon he put a male on the line, named XXXX. He told me that he would fix the mistake on my credit card and the {$360.00}. I found out later that day, he set up a XXXX account in my name as well. He then took a screen shot of it, and in the XXXX account, it held {$5000.00}. He told me that for me to fix my mistake, I would have to send him {$2500.00} to him via XXXX. He gave me a name to send it to. He told me that if I did not send it to him, I would be charged at {$30000.00} fine and spend time in prison. I done what he told me to do, so I gave him the reference number from XXXX. He then told me that I mispelled the name on the XXXX, and demanded that I send him another {$2500.00}, to fix the mistake. I told him I did not have anymore money. He then sent me a screen shot of the same XXXX account for {$10000.00}. He told me that he would pay me back the money if I sent it to him. I hestated yet agreed. I sent him another {$2500.00} XXXX. Once again, I given him the reference number. After doing so, he told me that his server did n't recognize the reference number, and demanded me to send him another {$2500.00} XXXX to him, then he would pay me back. After sending the third XXXX to him, I called XXXX 's customer service number, and talked to them. They told me it was a scam. I unplugged my computer, ran down to my bank, blocked all my accounts, blocked credit cards and credit lines, and filed disputes with the activity. Going through the same week, I filed police reports, reports with XXXX, XXXX XXXX, and XXXX. I filed an FBI report through IC3.gov. I filed a report with the XXXX Consumer Protection Attorney General 's office. I done everything the bank told me to do, and then some. I gotten a letter on XX/XX/2016, saying that they are refusing to give me my money back, since I had sent them the money. In total, I had lost {$7700.00}
04/28/2017 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Fee problem
  • FL
  • 33484
Web Servicemember
I happened to be online trying to decide if i wanted to use BB & T as a the b ank to deposit a lump sum check. I intending on checking my savings account & accidentally clicked on my daughter XXXX XXXX 's account and seen there was a fee of {$5.00} deducted from the account. I then called the bank and spoke with a rep who stated the address is showing XXXX XXXX XXXX XXXX and she is not sure why the mail has been returned. She then stated that she could refund the {$5.00} fee. I asked is that the only fee because the system does not let me see any other transactions on the acct. I have no access to the past statements. She said she would have the acct forwarded to a specialist to see if there were other fees assessed. About 3 days later i received a call from a lady who stated the account was assessed fees because my kids are the primary on the CUSTODIAN account and they needed to call and update the address. I said to her when i opened the accounts it was through me and the kids were babies and are not aware of making changes, and are not even familiar with what a social security number is so how can they make those types of changes with no ID. I said i just want the fees credited back to the account because i did what i was suppose to do. i advised her that is an error on behalf o f BB & T not me. She said she would have a manager call be to see about getting the fees reversed. I asked her to also look at my son XXXX XXXX XXXX XXXX account as well and see if there were any fees assessed and yes his account received fees also. I have been waitin g 13days to get t his call back and never did. So today i called again spoke with a rep who is now saying the request was never sent because the escalation department forgot to forward the mssg and there was nothing that could be done. After about 15 mins of asking for a manager the re p finally transferred the call to a supervisor ( XXXX w/call XXXX ) who came on the line without reviewing the account and knowledgeless of the accounts issue. When i asked him to speak with a manager or someone other than himself, he di sconnected the call. I then went to the branch location and spoke with XXXX XXXX she was also unable to help or assist me. I am appalled of the efforts of BB & T 's overall r espect to their customers. No person I spoke with in a management role apologized for my inconvenience. I am outraged by the behavior of this bank and the fact that it was their error. But no one is trying to refund my 2 accounts or be help accountable. This is a disgrace coming from a bank that relies on customers to keep the doors open. When i mentioned to XXXX XXXX of closing my accounts she started adding up my balances to close the accounts but not to issue a refund to me for either account. She looked at the accounts and couldnt explain why are there fees charged month to month and this is a custodian account and statements are sent every 3 months. She didnt answer the question she just ignored me to get me out her seat. I am requesting my account be credit the fees debited. A pittiful shame coming from a bank that charges XXXX when an account is overdrawn 4 hours ... ... .... I am requesting credited of {$45. 00} for XXXX XXXX & {$45.00} for XXXX XXXX i am sure the accounts are owed far more than that. I tried waiting on XXXX but he finished a customer and then jumped on a call.
11/02/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • NC
  • 27107
Web
I am not getting proper credit for my mortgage payments, and BB & T Bank refuses to correct this matter. Through my credit union 's Bill Pay service, my monthly mortgage payments in the amount of {$810.00} were set up as recurring payments and were sent electronically to BB & T Bank each month. My XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX payments were sent from my credit union on the XXXX day of each of these months. However, my payments were posted incorrectly by BB & T, and I did not get credit for my mortgage payments. I was charged late fees, reported to the credit reporting agencies regarding my mortgage loan account, and BB & T has caused my FICO score to dropped over XXXX points because of their reporting false information. On XXXX XXXX, I received a letter from BB & T stating my mortgage loan payment was pass due and late fees of {$26.00} had been assessed to my account. I contacted my credit union to verify that my payment had been sent, and I contacted BB & T branch office in XXXX, NC. I spoke with XXXX XXXX on one occasion. I started getting numerous calls and letters from BB & T saying, they had not received my payments. Each time I would explain, that my payments were being sent to them from my credit union ; the payments were being deducted from my account, I verified this information. BB & T continued to denied that they had received my payments. I received letters from BB & T again, on XXXX XXXX, and XXXX XXXX. On XXXX XXXX, I called and spoke with XXXX in the mortgage department ( XXXX ). She stated that she saw were my payments were being received, and that she would speak with her supervisor, XXXX XXXX concerning this matter. On XXXX XXXX, I received another letter, stating that they had reviewed my dispute and found my account had been incorrectly reported to the credit agencies. However, BB & T did not state that they would make the necessary corrections to my account ; nor did they go back and make the corrections. On XXXX XXXX, XXXX l, XXXX XXXX, XXXX, and XXXX, again, BB & T sent out letters to me ; all stating that : my mortgage was pass due, late fees had been assessed to my account, and I could face default consequences including foreclosure of my home if my payments were not received by a certain date. During this same period of time, BB & T was calling my home repetitively, well over 30 times ; including week days and on weekends. They even called me on a recorded line. I finally told them to stop calling me ; they continued the calls, and when I reminded then, that I had asked, that they not call my home ; they hung up the telephone on me. I 've tried resolving this matter many, many times with BB & T, by phone and in person. Although, my payments of {$810.00} continue to be sent, I am not getting credited for them. BB & T has me owing to date, {$63.00} in late fees and charges, and {$1700.00} in total payments past due ; which I denied owing. My account should be current, with my last payment of {$810.00} made XXXX XXXX 2016. Although, I have never missed a mortgage payment, BB & T continues to this day to send out threatening letters ; they have made over 30 harassing phone calls to my home, charged my mortgage account with late fees, reported me to the credit reporting agencies, and caused my FICO score to drop from a XXXX to XXXX in one months time. Any assistance you can give me will be very much appreciate. Thank you, XXXX XXXX
04/22/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • NJ
  • 082XX
Web
Within the last two weeks Regional Acceptance Corporation ( RAC ), XXXX, XXXX has been contacted by all XXXX credit bureaus re. a written complaint I filed. I opened an account XXXX for {$14000.00}. I struggled XXXX to make payments. XXXX I was XXXX for my mom and not working, they knew this. I was on a first name basis with their finance department. They were in XXXX ; I still have their emails. XXXX I totaled my Toyota. XXXX my mom XXXX. XXXX RAC, after receiving {$5200.00} from XXXX, reported me as a 'Charge-off '! Today they state I still owe {$2100.00}. ( STILL adding interest to a supposed XXXX bal. of {$1900.00}. ). It was not until I went for an apt XXXX rental that a Realtor alerted me about the CO. She was especially concerned that RAC XXXX NOT given me ample time to pay-off the balance before reporting a CO. I was in the final year of a XXXX yr. loan ( extended approximately XXXX. out ). RAC cost me that XXXX XXXX rental ; I am now trying to obtain another rental. I need my report corrected a.s.a.p. please! Within the past several days I 've heard back from all except XXXX. RAC is sticking to their deceitful practices of messing up people 's credit and STEALING money! Incidentally, I did send a copy of the XXXX {$5200.00} ck. to the bureaus, thinking XXXX XXXX it was cashed by them XXXX ( receipt in XXXX does n't appear anywhere on my report ). Today XXXX/XXXX/XXXX I received SHOCKING info. from XXXX. Sent because I requested 'any ' additional info. be furnished to me ; necessary after realizing XXXX was n't budging! I have PROOF from XXXX that indeed they sent RAC a {$5200.00} ck. as a 'payoff ' for release of Title. I have the payoff acknowledgement letter and I have my Toyota Title ( XXXX furnished it today )! Regional Acceptance Corporation is AWFUL! Do the math please. I want to know how in 6 years 'they do not owe me money '? They received a total of {$24000.00} ( or very close to it ) on an orig. {$14000.00} loan. I would like them to explain how the interest/late fees were accrued. First they MUST CLEAR my credit reports ( all XXXX ) - again they are costing me from securing a rental for which I need. I wish to involve the government because I 'm fed up with this company and I feel they are shady. During one of the worst moments in my life I was harassed by them ; I am still caught in their poor business practices. Finally, as they did receive a 'payoff ' in the amount of {$5200.00} XXXX ; but they still believe ( incorrectly ) I owe {$1900.00} ( before interest ) - is n't it RAC who owes me? If {$1900.00} was the balance XXXX I assume it was the balance XXXX when XXXX contacted them for a payoff amount. I believe they took MORE than they were entitled to. XXXX was covering me ; but first needed to receive my XXXX from XXXX. I had comprehensive and full collision - they were giving their customer her check which would have been the Blue Book Value ( or whatever source they use ). I think RAC was told by XXXX what the car 's value was ; and I truly believe RAC claimed {$3300.00} above what they were actually due. I 'm guessing they were due {$1900.00}, as my report states I owe. Perhaps North Carolina does n't know what XXXX is doing. Or, maybe 'somebody ' pocketed the {$5200.00} check - why else is it not acknowledged on my credit reports or even after I sent a copy to the bureaus this month? Please help me get this straightened out. Thank you!
03/21/2019 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Didn't receive terms that were advertised
  • VA
  • 22306
Web
I opened a BB & T XXXX XXXX account on XX/XX/XXXX. The terms of the new checking account said that if I completed the following : " If you complete one of the following within 75 days of account opening you will receive the {$200.00} incentive : - Enroll in and receive two direct deposits of {$100.00} or more OR - Use U by BB & T bill pay to initiate three online payments of {$25.00} or more Please know that this offer is available for new BB & T clients who open a BB & T checking account and is limited to one incentive per household and does not apply to second or multiple personal accounts. Your account will be reviewed between 75 and 120 days of account opening and the incentive will not be provided to you if your account is not in good standing, is closed or has a balance of less than or equal to XXXX. The {$200.00} incentive will be paid within four weeks of qualifiers being met. '' After completing all the requirements, BB & T is now refusing to pay out the {$200.00} because they claim in their email to me that " Our records show on XX/XX/XXXX, you opened a XXXX XXXX using our refer-a-friend promotion and on XX/XX/XXXX, you received a {$50.00} incentive payment to the XXXX XXXX. '' However, this account was closed XX/XX/XXXX. Moreover, they are claiming that this means the new account I opened on XX/XX/XXXX was considered a second account. However, from how the terms are worded, they are intentionally vague on whether this only applies to current customers with current accounts with them or whether this excludes all customers who have ever had an account with BB & T. Certainly, this is one way for BB & T to bait and switch customers into coming back to their bank and not follow through with their terms meanwhile using the money I deposited. Of course, if they wanted to exclude all prior customers from getting the bonuses they would have easily written that clause into the terms. Looking at a comparable bank with a similar footprint, XXXX XXXX, their terms for their bonuses are extremely clear that you can only have one bonus per lifetime and that their offers do not account to people with " existing or prior '' accounts : " *Offer is available to new personal checking Customers who do not have an existing or prior personal checking account at XXXX XXXX , open their account online via this web page and complete the required qualifying criteria. '' BB & T Certainly, if we look at XXXX, which BB & T intends to merge with, and their terms for their checking account bonuses, we see much intentionally clearer terms about who are considered new customers : " You must be a new XXXX personal checking client. Clients with an existing personal checking account with XXXX ( either as the primary or secondary account holder ) are not eligible. You must not have closed a personal checking account within 180 days of the promotion start date ( on or after XX/XX/XXXX ). '' XXXX also excludes people who have second or multiple bank accounts like but they are clear that they mean existing customers, not prior customers and they exclude prior customers by stating the 180 day requirement which BB & T does not do. Further, it is unclear whether BB & T actually applies this rule consistently with all customers. There are many datapoints online to suggest that BB & T in fact does not and many customers who had accounts in the past have been able to get bonuses again.
06/21/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • CA
  • 932XX
Web Servicemember
There is so much paperwork for this complaint, I had to do my best to downsize what I sent making sure the most important paperwork is there. It started when I answered an ad to win a prize from XXXX of XXXX XXXX. I went to the dealer, won a pair of headphones and was ready to go. But thats not quite what XXXX had in mind for me so they set out to get their way even if they had to contact 20 different lenders to do it knowing the inquiries will only harm you for 2 measly years. As the credit bureau prefers to keep my score as low as possible no matter how many accounts I have in good standing and the companies actually get mad when you use the credit they extended you in the first place. So that being said, it can influence the rate of interest they can charge, but not the initial car value. As I said in my court response, I have experience with both car dealerships and financial institutions so I know what is legally required, they did none of those legal requirements. They told me they found me a XXXX XXXX XXXX and a loan and needed my keys to value my vehicle. I had just spent 2 years rebuilding my vehicle with new parts and everything but the engine and tranny were new or by then lightly used. The first thing I asked for was the XXXX. They refused to show it to me saying oh you dont need to see that, all you need to know is the owner had it in regularly for service and treated it lie a baby. They told me they were charging me {$12000.00} for the vehicle, but t the time showed me nothing to prove the value. When they wrote up the contract, they charged me {$12000.00}. They did not go over the contract with me they just said sign here. That was after they told me it would increase my credit score by 100 points and that I would be able to refinance it in about 8 months. I tried to refinance it, but nobody would because of the price I owed. So I decided to sell it after paying {$400.00} a month for 2 years, they claimed I still owed them {$13000.00} and the XXXX XXXX value according to the buying dealer was {$3500.00}. So, I went to XXXX of XXXX XXXX website and looked at the prices. They were selling a XXXX XXXX XXXX for {$15000.00}. I called their sales dept. and asked about the vehicle which they said was available. I said then how do I still owe {$13000.00} for a XXXX after paying {$400.00} a month for 2 years. She said she didnt know and transferred me to one of her managers. He told me the would trade me out of it, when I went to do that, they were trying to get me to start a new loan with no value form my car and I declined. I then started contacting XXXX XXXX and the owner of the dealership. I enclosed the correspondence. I spoke to XXXX, on the phone and asked them what the dealer said the value of the vehicle was and he said {$9000.00}, but they were going to charge you {$12000.00} instead. ( which is illegal ) Now he admitting to colluding with the dealership to defraud me. He asked me what I wanted and I said I want my title. He refused and then I took the matter to court where they felt playing games was more effective than resolving it by sending me a fake continuance. Their attorney kept attempting to intimidate me rather than resolve it like adults as I felt I was sure to win. They then demanded I go to court without serving me properly which I failed to do and that is where we stand. Nothing resolved and I have the car with no title.
01/11/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Settlement process and costs
  • NC
  • 27215
Web
This complaint is in connection with Branch Banking and Trust Company [ BB & T ] which I complaint of in XXXX ; nevertheless, certain North Carolina attorneys/ mortgage officials changed and used bogus names have delayed my justice for corrections. I was not a default, nor was I delinquent, see previous BB & T complaint based on all fraudulently law " rules ''. Today 's complaint focuses on the issue of money laundering as part of a chain of mortgage foreclosure fraud and federal fund fraud using new actors names and a straw-man in an attempt to laundry deed/title. XXXX a/k/a XXXX a/k/a CONSUMER ... is continuing to sell my home by false filings in local Register of Deeds [ XXXX ] without any court/judge signatures and with authority of law ; although, I have proved false by my own filings with the ROD, BB & T and other complaints. This abusive bulling uses different names to promote its desired goals of financial profits and cover up. The NC Attorney General, XXXX XXXX has been controlling XXXX XXXX XXXX XXXX XXXX XXXX to perform a secret process using non existence law ( without authority ) but pretending too be lawfully by having private people, acting like police officers using fake forms, etc. to act abusive against us forcing us from our home of 23 years, actors also included attorney, XXXX XXXX XXXX 's filings in XXXX and Clerks Office without authority and XXXX XXXX XXXX XXXX 's agent XXXX XXXX without authority. Presently, a shell business XXXX XXXX XXXX alleged filings in the XXXX without authority, alleging a sell and finance through XXXX of TN to have lend money on a new mortgage on our home. This is criminal and not possible, nevertheless the chain of corruption is too confuse readers and local cops so promote help as needed to protect the mortgage fraud scheme. The truth is, in XXXX my husband and I bought lot XXXX in " XXXX '' subdivision in XXXX, NC building in XXXX. In XXXX, we refinanced with a 20 years conventional mortgage with a fixed rate of 5.5 %, and no escrow account, as we paid our own property taxes and homeowner 's insurance directly, which was not delinquent either. I complain on XXXX interfering with my property, property rights, and its gross negligence involving itself in federal fund fraud and money laundering. From XXXX, we had paid no less than {$140000.00} combined in interest & principle, and before XXXX we paid no less than {$490000.00}. We believe the mortgage processer ( XXXX XXXX Mortgage , Inc. ) located in XXXX, NC set the fraud in motion, then using BB & T, it and others abused my equity and property to obtain federal home loans, which we never received anything special. I believe that from XXXX XXXX, fraudsters collected XXXX XXXX money {$250000.00} plus, then personally used our assets without our knowledge and without our consent for other benefits, which we never received any financial or otherwise benefitted. We had an above average credit score and our 3 years tax returns showed our income supported the 28 % & 36 % monthly payment for {$1700.00} mortgage. We have never been offered an other financing from XXXX XXXX nor have we applied, but we have desperately worked to correct the fraud of default/delinquent off our name. We believe our mortgage was later manipulated by certain attorneys/officials or others for equity stripping. XXXX is a part of this corrupt-fraud chain.
01/14/2016 Yes
  • Mortgage
  • Home equity loan or line of credit
  • Application, originator, mortgage broker
  • MD
  • 20814
Web
We contacted Susquehana about refinancing our Home Equity Line of Credit ( HELOC ). One of the key factors the broker sold us on was an introductory rate of 2.49 % that would last for 12 months and then the loan would convert to a variable rate of " prime minus a .25 % discount '' for having a Susquehana free checking account with automatic loan payments deducted from that account. We explained that the purpose of the loan was to pay off the original HELOC ( which was {$210000.00} ) and to have the ability to use the HELOC for home improvement and a down payment on a XXXX home. The broker told us that we were approved for a {$420000.00} HELOC and steered us into taking out that loan. We ( and the broker ) well knew we did not need that large amount, but we assumed that based on a XXXX appraisal of our home and approximate first mortgage of {$700000.00} that this number represented an acceptable amount with in the LTV parameters required by the rates promised to us. We were never presented with any alternate loan figures or told that by agreeing to this amount, we would not be within the promised variable rate after the first year of prime minus .25 %. By steering us into this loan, we believed we would get the promised variable rate. So we accepted the offer and closed on the loan and opened the required checking account and had automatic withdrawals of the payments from that account. During the course of the first year, we only used under {$300000.00} of the HELOC. However, at the one year mark, the loan payments doubled. When we inquired what the new rate was, we were told that the loan reset to prime plus .25 % ( instead of the expected minus .25 % rate ). When we asked why, we were told that our overall loan amount at closing exceed the XXXX % LTV and therefore we were not entitled to the prime minus .25 % rate. The broker never explained that if the HELOC LTV ratio exceed a certain percentage that the introductory rate would reset to a higher APR after the first year. And we were never given an option of borrowing less so we would not exceed the LTV. And the disclosures do n't identify the LTV and the specific rate we will get in year XXXX. When we finally figured it out, it was too late. Indeed, we did not use XXXX %. We immediately contacted Susquehana and asked if they could lower the loan limit to bring us within the acceptable LTV limit but they could not. And they refused to reset the rate to the original promised rate. We feel that they maximized the loan figure for their own benefit and steered us into taking out a higher loan than we needed that pushed us above the LTV rate without disclosing that to us and thereby would n't allow us to take advantage of the lower APR rate after the first year - which they knew we would not figure out until it was too late. We had no way of knowing this would occur or that we were not within the acceptable LTV ratio until after the first year when the rate changed. By then it was too late and we are stuck with a higher loan we do n't need and higher interest payments. This is patently deceptive and unfair and even abusive! They steered us into a loan that pushed our LTV above 70 %, but we were only discussing terms of a loan that apparently required us to stay under XXXX %! In addition, we ca n't refinance because we would be stuck paying additional closing costs.
04/24/2015 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • WV
  • 266XX
Web
I opened a business account with BB & T XX/XX/XXXX I did not realize until it was time for me to turn my bank statements over to an accountant in XX/XX/XXXX, that I had no check images for checks written on this account, only the amount debited. Nor, did I realize that I needed to request this service upon opening the account. My previous bank had always supplied check images with statements. I called the bank to enquire how I could obtain these, and I was told there would be a fee of {$2.00} per page. I said, " That would be fine ''. I also asked for it to be set up ( for another fee as well ) so that I could receive the monthly statements with the check images for future statements. Approximately 49 days later a {$1200.00} fee was debited from my account. I called the bank to inquire about this fee. I spoke with the branch manager and she did n't know why. She said she would have to make some calls and get back with me. She called me back a few hours later to report that it had something to do with the check images that I had requested the previous month and that another employee was working to resolve the issue and get back with me. No one called back that day, so I waited till the next day and checked my account. Nothing had been credited back to it. I called the bank again and was informed that the charges, in their opinion, were legit and that {$5.00} is what BB & T charges per page ( aka per check image ), but that corporate was willing to reduce the fee to {$2.00} a page and they credited my account for {$720.00} thus leaving the check copy charges at {$480.00}. This is outrageous! My XXXX complaint is : Upon opening a business account, the option should be presented to the person opening the account that they may want to set their statements up ( for a monthly fee, of course ) with check imaging as most businesses will more than likely need this for accounting purposes. This was never offered to me, obviously, or I would have set it up with that feature. Secondly, the $ 2.00/ {$5.00} per a page fee is n't really $ 2.00/ {$5.00} a page, when in fact ; there is only " XXXX '' check image per a page. This is very misleading. Bank statements generally have up to XXXX check images per a page, XXXX including the back side. This, I believe, would be a normal assumption to assume that more than XXXX check image would be on a page. I was not informed of this or given the option to decline the exorbitant fees. ( I actually did n't even get XXXX pages because they used the back of the paper to print on so they got by with only using XXXX pieces of paper and charged me {$480.00} ) When I could n't find any resolve with the local branch, I called customer service, and they could n't offer any help either. Also would like to note, this banking institution puts an overdraft protection on business accounts in the amount {$200.00}. As a business, I rarely write a check for less than this amount. If a check is presented for payment and the funds are not available, not only are you charged a return check fee of {$36.00} but you also charged an additional overdraft fee of {$36.00}. The infraction for a single check with insufficient funds will in reality cost {$72.00}, not the {$36.00} customary to other banks. This double dipping for XXXX check hardly seems legal. For the record, my account is in good standing.
01/30/2017 Yes
  • Credit card
  • Arbitration
  • DC
  • 20009
Web
XXXX XXXX XXXX XXXX BB & T Arbitration Administrator Legal Department XXXX , XXXX XXXX RE : Notice of intent to enter into dispute by mediation administered by the XXXX under its Commercial Mediation Procedures before resorting to arbitration, litigation, or some other dispute resolution procedure. Upon information and belief BB & T has determined to close my XXXX cash back visa card account # XXXX. I demand the full amount ( {$2000.00} ) rewards balance due to vest on the one year anniversary of the card opening. These cash back rewards funds were earned and rightfully owed to me. It is common knowledge in contract law that once an offer has been accepted it may not be revoked. The cash back rewards funds in question were earned and thus rightfully owed to me. The account limitation and closure appears to be an action taken as direct retaliation for my insistence that BB & T honor their promotional agreement. Denial of full payment on the outstanding cash back rewards balance related to the promotional offer is ill advised, unethical and entirely unacceptable behavior which will not be tolerated. BB & T is within it 's rights to close my accounts however to allow me to complete all of my responsibilities with respect to the promotional offer and then arbitrarily seek to avoid payment on a previously earned cash rewards balance via forfeiture is the definition of unjust enrichment as I have already accepted the offer, assented to the agreement and conferred a benefit on BB & T and have a reasonable expectation to be paid. I have a legal right to recover the unpaid rewards balance under the quantum meruit doctrine of quasi contract recovery. A general equitable principle that no person should be allowed to profit at another 's expense without making restitution for the reasonable value of any property, services, or other benefits that have been unfairly received and retained. Unjust enrichment has three elements. First, the plaintiff must have provided the defendant with something of value while expecting compensation in return. Second, the defendant must have acknowledged, accepted, and benefited from whatever the plaintiff provided. Third, the plaintiff must show that it would be inequitable or unconscionable for the defendant to enjoy the benefit of the plaintiff 's actions without paying for it. The doctrine of Quasi-contract : is an equitable remedy available to prevent one party from being unjustly enriched at the other party 's expense. Also known as recovery under quantum meruit ( something for something ). As a general principle, equity requires that when one party confers something of value or other benefit, the other party must pay a reasonable value ( in money or other valuable goods or services ) for it. Quasi-contractual recovery is particularly useful when one party has partially performed under a contract that subsequently becomes unenforceable. The party seeking to recover in quasi-contract must show that : ( 1 ) A benefit was conferred on the other party ; ( 2 ) The conferring party expected to be paid or otherwise compensated for the benefit conferred ; ( 3 ) The conferring party did not voluntarily confer benefits for which he or she would not be paid ; and ( 4 ) Retaining the benefit without paying for it would unjustly enrich the party receiving the benefit.
03/16/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • FL
  • 34609
Web Servicemember
On XX/XX/XXXX we signed a contract with BB & T for a construction loan. BB & T has failed to abide by that contract due to the contract length time of no longer of twelve months and for making disbursements for work not completed. They do not reach out to their customers even after seven months of work not being done on a construction site. The problems really started when BB & T hired an inspector of who is unethical in his inspections by providing false reports and BB & T only siding with the inspector regardless of my requests for a new inspector and a new inspection. On XX/XX/XXXX this inspector gave out over 37k that BB & T approved even though minimal pictures were taken as evidence. When I brought to their attention that work was not completed in early XX/XX/XXXX, I was merely brushed off by XXXX XXXX and was told that they would not do a different inspector and that if I wanted another inspection it would likely be the same results and would go towards one of my additional inspections ( that I will need later in the build process ) that I had already paid for. On XX/XX/XXXX she denies me ever requesting for an inspection which is completely false. In this inspection wall framing was paid out 100 % yet 2 pictures of the SAME AREA of the house were given only. The entire rest of the house, patio and lanai was not even close to being finished. Literally that was the only part of the house framed. In addition to this they gave 1 % for a well that has not even started on my property per evidence of one picture with a single pipe and 1 % for the roof shingles for SOME peel and stick being applied to the roof. XXXX admits in e-mail that they disbursed funds for the work being started but my contract states that disbursements would be only for completed work. BB & T and XXXX would not back their client to send a new inspector to prove this until further pushing and requesting and finally granting TWO MONTHS LATER when framing was next to being completed. After this inspection, they did absolutely nothing to correct their wrongdoings by over paying the contractor and were rather rude in saying so. In fact, the information the second inspector provided, was ignored because they continuously reverted back to the first inspector and his inspection. They said that the inspector, XXXX XXXX stated he gave the percentage for working beginning and therefore they disbursed the money to the contractor. Again, my contract states that only work that is complete will have a disbursement! BB & T also disbursed funds to the contractor after being notified through several Notice to Owners and even a lien that was over 20k! They released funds to the builder knowing all of this three times because they stated a " partial release '' was given. BB & T does not support their customers, does not support veterans and only backs their contractor and their inspector THAT WE PAID FOR. Probably because they enjoy us paying our monthly interest fees for our loan. I am not sure what has possessed BB & T to discriminate against my husband ( who is a veteran ) and myself- because we are young? Because we are both of XXXX heritage? But we firmly feel that BB & T has been discriminatory, unprofessional, negligent and unethical throughout this entire 15 month process. XXXX XXXX can be reached at XXXX or XXXX XXXX
07/31/2017 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • TX
  • 75206
Web Older American
Branch Banking and Trust bought XXXX accounts in XXXX a couple of years ago. These accounts included, among others, my checking account and a {$100000.00} Line of Credit that I had established through XXXX. At the time of purchase I had an {$80000.00} balance on this line and it was being paid as required. XXXX decided they did not want to continue my line and termed the loan with a fixed rate of interest. The term conversion could have been up to eight years. I was told my term would be 60 months. Upon receipt of the first statement BB & T had converted to a 48 month term. After much discussion the term was changed to 60 months as first promised. Payments have been made by automatic bank payment on time. Recently I noticed that BB & T had changed the interest rate twice with the change in prime. Again, after much discussion, the " error '' was corrected. BB & T has systematically changed no fee accounts to fee bearing accounts. BB & T decided to charge a fee on my checking account, that did not previously have fees, and no longer aggregated account balances to a balance ( {$15000.00} ) above which fees were not charged. BB & T indicated that they expected some customer loss following the acquisition. I responded that they did not lose my account, I was pushed out the door. I closed the account. The remaining account balance was transferred to my loan account and together with a small additional amount was to be applied to the next required monthly payment. BB & T applied the payments to principal and then charged a " late fee '' for the " missed '' monthly payment. In my complaint to a branch representative I was told that I had been given the option to keep my accounts at XXXX. This is not true. Perhaps that is what management has told their employees. Their apparent business plan was to purchase accounts they could not generate internally and charge fees as a means to boost bank earnings and scam consumers. This is not only happening to me. BB & T pursued a {$30.00} bank fee collection against my son 's account on an identity theft issue that was caused by a theft of data from his employer. They then reported this {$30.00} fee to the credit bureaus. After determining that the fee was charged in error, BB & T failed to correct the credit report. With yet another apology the correction is in process. Whether through pure greed or mere incompetence ( or perhaps both ) BB & T engages in business without regard to representations made to customers. If this has happened with my accounts it must be happening with many others. If they did not want to carry my line of credit they should not have purchased it from XXXX. The current balance on my line of credit is about & XXXX. I do not care for them to extend a revolving line to me. However, I do care to be treated fairly, not be gouged by fees and to be able to pay the account balance as originally contracted with XXXX. I would also like all previous account fees that were imposed before I recognized the account changes to be paid back. Bank apologies are an inadequate remedy as their behavior does not change. The apologies are disingenuous at best. In my opinion, BB & T is riding roughshod over consumers and there is no regulatory body that will make them change their sharp business practices.
06/25/2015 Yes
  • Credit card
  • Identity theft / Fraud / Embezzlement
  • NC
  • XXXXX
Web
As XXXX, I purchased trucking services, stone and concrete from a supplier for a particular project. Upon completion of the project and reciept of invoice I called in payments using my credit card. XXXX month later we started a new project, I purchased trucking services and stone from the same merchant. This time there was a dipute over the cost of services rendered. The merchant had given a verbal invoice of XXXX on Saturday and later changed it to aprox. XXXX while I was drafting a responce to there puported invoice, the merchant went back into there records they retained illegally. The merchant used my credit card information to initiate a trasaction on my behalf without my presence or approval. I immediatly contacted my credit card company and reported the fraud, closed my account and ordered a new card, ( Same day ). I followed the credit card company protocal by trying to resolve with the merchant. I even asked my Attorney to attempt a resolution. I then filed a timely dispute with my credit card company. The funds were temporarily returned. The merchant responded by sending a copy of a letter my Attorney sent in an attempt to resolve the fraud, as required by the credit card company. Though I sent a multitude of proof in my dipute that I had not authorized the use of my card. The merchants responce failed to prove in any way that I had given permission to use my card. The credit card company sent me a form to check boxes and sign, the options were not relevent to my situation, therefore I called in immediatly upon receipt, ( XX/XX/2015 ), to diuscuss my concern. I was told just sign the paper and return it. The form was dated XXXX XXXX, 2015 and it had a requirment of being returned by XXXX XXXX. XXXX XXXX was on Thursday and XXXX XXXX was Saturday ; Therefore I was given insufficient time to respond. The credit card company reversed the chargeback on XXXX/XXXX/2015, I noticed it this morning, when I called the dispute department I was told the action was decided against me for failure to follow XXXX regulation, because my responce was not timely. This makes no sence for the following reasons. 1. The merchant failed to follow XXXX regulation by holding and using my card without my Knowledge or permission. 2. I supplied XXXX with proof, I had not given the merchant permission to use my card for this payment. 3. Allthough the merchant did rerspond to the chargeback, there responce was not relavent and did not prove that I gave the merchant permission to retain my card information or to use it for this particullar payment. 4. There should have been no reason for XXXX to require any further rersponce from me as the merchant already failed to supply a valid reponce to my original complaint. 5. I was given an inadequite amount of time to respond to the merchants responce. Essentially, the credit card company has chosen to be a co-conspirator with the merchant to commit credit card fraud, by choosing to ignore egregious violations of XXXX regulation and Federal law on the part of the merchant while placing great significance on a failure to timely respond, citing it as a violation of visa regulation ; Furthermore the failure to timely respond was caused by XXXX 's failure to guarentee timely receipt of the opportunity to respond.
07/05/2017 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • TX
  • 768XX
Web
My checking and savings accounts were transferred over to BB & T in the beginning of XXXX after the XXXX branch in my town closed. I was assured that all the features of my XXXX account would be transferred to and included with my new BB & T accounts, including overdraft protection. Therefore, I decided to give BB & T a try rather than opening a new account with a local bank.

Until the two overdrafts the subject of this complaint, I had only had one overdraft ( for a small amount ) almost two years prior. When I made the purchases the subject of these two overdrafts, my online account showed that I had the funds available in my account. After the overdrafts, a BB & T representative explained that the balance in my account at the time of my first purchase was being held to go toward the first purchase ( my car payment ) that I initially overdrafted on. Without knowing that there was not enough money in my account for my car payment, I checked my account online to determine whether I had enough money in my account to make a purchase at XXXX. My account online showed that I had plenty of money, so I went forward with the purchase. If I had known that I did n't actually have the money in my account, I could have very easily used a credit card instead of my XXXX card, which deducts directly from my checking account. But again, the account online showed that I had plenty of money available.

When my husband and I called BB & T to inquire about the overdrafts, the representatives were extremely rude and uninterested in our explanations. All they kept telling us was that, unless it was a BB & T error, it is their policy to waive only one overdraft fee every two years and I had used it up already ( almost two years ago ). We explained numerous times that it was a BB & T error because ( 1 ) the online account not showing the correct balance or even the existence of a pending charge ( car payment ), ( 2 ) they held the funds in my account, without changing my balance online, and then sent both charges through with two overdraft fees ( which is obviously a tactic to rack up money on overdraft fees ), and ( 3 ) they did not provide overdraft protection, as promised, when they took over my XXXX account. Again, I would not have continued to do business with BB & T if I had known that I would not be receiving the same overdraft protection that I did with XXXX. The BB & T reps became very defensive and more rude at that point, flatly denying any responsibility without providing any defense or explanation. I began to realize then that it was a waste of my time to try to reason with these people, but they managed to take it a step further when I tried to close my accounts. Their response to that was that I would have to come into one of their branches to close my accounts, knowing full well that the closest BB & T branch is over two hours away from where we live.

All in all, I am shocked that a big bank like this operates so unprofessionally. After a short search online, I realized that I am one of thousands of complaints against this bank and, while there are many complaints similar to mine, there are some that are WAY more outrageous. Something needs to be done about this bank. Anything you can do to help would be appreciated.

04/20/2016 Yes
  • Bank account or service
  • Savings account
  • Account opening, closing, or management
  • CA
  • XXXXX
Web
I bank with BB & T. They seem to want to charge money to speak with their customers over the phone. From what I always understood was that I get XXXX free calls a month. I had not called the bank for 2 months because of this I do not want to pay these fees. Today I decided to give them a call about a transfer that I performed late last week and since it still was not showing on my account I thought I would give them a call. Before I proceeded I asked am I being charged for the call and the representative confirmed that I was not since it was the first call of the month. After I explained why I was calling she apologized and stated that she needed to transfer the call to online banking. XXXX answered the call I confirmed with her if I would be charged for the call she said if she answer my question then yes I would be charged. I said well that is OK I will not present the question because I do not want to be charged. She said that she would waive the fee. I then asked why would I be charged when this was the first call of the month and the other representative was not able to answer my question so I was not clear if they charge for all online questions or if they were charging because I spoke with XXXX representatives in one day. What ever the reason is they did not answer my question and besides this being that I have an account there I should be able to ask questions without the threat of having fees to pay to receive answers. I sent them a email and here is what I said : I had a question about my transfer that I performed several days ago. I know that it says that it could take up to 3 days however since it was done late last week I thought today being Wednesday that it would be there by now. I have not called or spoke with anyone in XXXX 3 months and now today I simply called in to ask about my transfer and the representative confirmed that I would not get charged for the call. I have learned to ask about this due to being charged in the past. She apologized and confirmed that she was not able to answer my question then connected me to online banking. Before I asked her a question I wanted to confirm if I were being charged and she said if she answer my question then yes I was going to get charged I then proceeded to say please do not answer my question because I do not want to be charged. XXXX then stated that she would waive the fee. My question is what is this I have an account with this bank however as I work on my financial health and future in order for me to get my questions answered I have to pay with the money that I am trying to save? My apology however I will not be able to pay for your services. I am putting my money into the savings account because I need to save my money. I will reach out to the Consumer Financial Protection Bureau at this point because I sincerely feel like I am being taken advantage of and this should not be the experience in regards to banking. I should be able to freely bank where ever I choose without the threat of being charged to get my questions answered. Please ensure that I will not be charged for that last call because as I stated she never answered my question. Thank you I would like for the Consumer Protection Bureau to check into this because something does not seem right.
07/12/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • OH
  • 43123
Web Older American, Servicemember
{$1000.00} is missing from my BB & T checking account and no one can tell me where it is. On XX/XX/2018 I sent {$1000.00} from my account at BB & T to my account at XXXX XXXX XXXX ( XXXX ) via XXXX. Having sent money with XXXX before, I assumed the transfer would take place quickly. I then logged in to my account at XXXX XXXX XXXX XXXX ( XXXX ) and sent money to my XXXX account using XXXX. I was given the option to make XXXX my institution of choice for XXXX deposits and chose this option. I later noticed that the money I sent from BB & T was never credited to my XXXX account. When I called I was told since I had never sent money via XXXX to my XXXX account, it would take 3 business days for the transfer. Since I had already changed my deposit institution of choice on XXXX I called XXXX and explained this. XXXX informed that I should contact XXXX. I contacted XXXX and was told they could not release my choice of making them my XXXX institution of choice. I did not want my money going to my XXXX account so contacted BB & T and was told that if I did not accept the transaction, it would return to my BB & T account within 15 business days. I waited 15 business days before going to the closest BB & T branch located about 100 miles away and met with personal banker XXXX XXXX XXXX at the XXXX XXXX Ohio Branch on XX/XX/2018. XXXX XXXX contacted the BB & T online banking department and was told that my money was frozen by BB & T due to suspected fraud. She was instructed to have me sign an ATM/Check Card/Electronic Check/Error Resolution Form. She completed the form which erroneously stated I was claiming that the XXXX transfer was done fraudulently without my knowledge. I stated the form was improper, untrue, and was itself fraudulent and she replied that if I wanted my money back, this form needed to be signed. I reluctantly signed the form and was told my money would be returned to me from the BB & T online banking department by the next banking day which was XX/XX/2018. On XX/XX/2018 I called XXXX XXXX and was told that my money had been sent to XXXX. I told her it had not been sent to XXXX so she said she was asking for a CRM to verify. On XX/XX/2018, I contacted XXXX XXXX and was told that my money had been sent to XXXX and the case was closed. I informed her on XX/XX/XXXX that the money was not at XXXX and she again stated she would ask for a CRM. On XX/XX/XXXX, while on family vacation, I met with personal banker XXXX XXXX at the XXXX XXXX branch on XXXX XXXX. XXXX XXXX informed me that the payment ID for the transaction was XXXX and that the money was deposited into account XXXX at BOA. We contacted BOA who stated that nothing had posted to that account in the amount of {$1000.00} on XX/XX/XXXX. We were told the trace ID was # XXXX but that the trace was not attached to my account. We contacted the billing disputes department for mobile and email disputes at BOA and given a reference number of XXXX an informed that nothing had posted to my account. I am out {$1000.00} and have been told by BB & T that the money is an XXXX, that it is held up due to suspected fraud and that it is at XXXX. The money is missing and no one can tell me where it is. Please assist.
01/17/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Opening an account
  • Account opened as a result of fraud
  • NC
  • 273XX
Web Servicemember
In XXXX BB & T did not verify or validate the Opening of 2 Deposit / Checking Accounts opened in one of their Virginia Branches. BB & T allowed the opening of these 2 accounts in the name of XXXX XXXX XXXX, XXXX by an individual named XXXX XXXX XXXX. I XXXX XXXX XXXX am the ONLY Sole Owner and Founder of XXXX XXXX XXXX, XXXX, which was formed on XX/XX/XXXX with the State of North Carolina Department of the Secretary of State. After creation of the XXXX as a Sole Member Owner i opened a Checking and Depository account for the Company at a BB & T Branch in XXXX NC. I then began operating my Company in North Carolina. Later in XXXX I located XXXX XXXX XXXX, XXXX in Virginia registered the XXXX XXXX of North Carolina with the Virginia State Corporation Commission in XXXX. Shortly after that these 2 Virginia Deposit / Checking accounts was created by XXXX XXXX XXXX in the name of XXXX XXXX XXXX, XXXX. I XXXX XXXX XXXX did not sign for these 2 accounts to be opened in my XXXX name, so therefore they was created by fraud. BB & T did not do their " Due Diligence '' in Protecting my Company XXXX XXXX XXXX, XXXX by verify XXXX XXXX XXXX in XXXX. XXXX XXXX XXXX was not an Owner of XXXX XXXX XXXX, XXXX as is evident by the Article of Corporation Documents provided to BB & T. The Article and the EIN number both show that it belongs to XXXX XXXX XXXX and not to XXXX XXXX XXXX. After XXXX XXXX XXXX was able to gain these 2 accounts in the name of XXXX XXXX XXXX, XXXX. He began diverting the Company income checks for it business over into these accounts, which was in his sole control over them and I did not authorize them of sign for them to be opened in the name of XXXX XXXX XXXX, XXXX. Between the years of XXXX XXXX XXXX XXXX was able to write various Checks made out to CASH to himself, which he then had them CASHED by Mrs. XXXX XXXX, and other local Virginia Branch BB & T tellers. In XXXX time frame, as we have learned a LOC ( Line of Credit ) for XXXX was created by ONLY XXXX XXXX XXXX, but he had made XXXX XXXX XXXX, XXXX listed as the Borrower of that LOC. After learning of these CASH Checks and these Accounts I reported it to the Virginia State Police somewhere around XX/XX/XXXX. I reported this SAR ( Suspicious Activity Report ) to the local Virginia Branch at BB & T also. I then went to several BB & T Branches which denied me access to the records. They all stated that I was not an authorized Signature on these 2 accounts and therefore they couldn't give me any information nor access to them. I reminded BB & T that I am the Owner of XXXX XXXX XXXX, XXXX and even showed them the Articles of Corporation Documents at the XXXX NC BB & T Branch. BB & T still refused to give me access to these 2 accounts. There was a total of XXXX in CASH that was removed from these accounts from XXXX XXXX. In addition to that BB & T contacted Mr. XXXX and further allowed him to close out these accounts removing additional XXXX CASH possible totaling as much a XXXX or more. BB & T then entered into a Settlement and Release Agreement with XXXX XXXX XXXX in which he paid to BB & T a Check for XXXX on a Personal BB & T Checking account in the name of XXXX and XXXX XXXX. How Ironic is that!
11/15/2016 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • CA
  • 93036
Web
On XXXX XXXX, 2016, I notified BB & T Bank to put a stop payment on a recurring payment to XXXX. I found out that XXXX XXXX XXXX is operating their business without a license as a payday loan lender under " XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. I notified the bank of the fraudulent behavior and requested that a stop payment on any further transactions. I spoke to XXXX or XXXX representatives/managers trying to explain the situation and it appeared they had a difficult time understanding what I was requesting or knew how to deal with it. I requested a very simple " stop payment '' transaction ; which all banks know what this is. It was my understanding after speaking to the last manager that the situation would be dealt with appropriately. On XXXX XXXX, 2016 I saw that XXXX XXXX XXXX received {$270.00} dollars from my account and the bank had approved the withdrawal of the funds even after I had put the stop payment on all further transactions from XXXX XXXX XXXX. What justifies this type of behavior? Is the bank part and parcel to the fraud? What else can be done on my part to make BB & T aware that a fraudulent malicious situation is being enhanced? BB & T is now a part of the fraud. Something needs to be done as soon as possible. On the month of XXXX 2016 I was put out of my living quarters because of a malfunction that the bank committed. I use the transfer feature to transfer funds from my account to my landlords account to pay my rent. Somehow there was a mixed up and the funds were withdrawn from my landlord 's account. Due to the funds not being deposited in to her account, I received an email stating there were insufficient funds available on XXXX XXXX 2016. I immediately contacted the bank and requested that the transaction to be reversed. Multiple representative 's stated that the error was fixed and that I have nothing to worry about. Days later I received the same email, and again I called BB & T to request that the transaction to either be cancelled or reversed. I was told again that I have nothing to worry about. The next day my landlord reached out to me and questioned as to why her account was charged {$700.00} dollars. I attempted to contact BB & T the next business day and I was told that it would take up to three business days for my money to be refunded. At this point I was notified by my landlord that I have three days to vacate the premises. During the month of XXXX 2016, I noticed that my account was negative and I had accumulated a lot of overdraft fees. After further investigating and figuring out the problem, I noticed that XXXX XXXX charged my account for auto insurance on a date that I did not agree to. I notified BB & T that I did not authorized them to charge my account and I wanted the overdraft fees reversed and my money return to my account. It took days of telephone calls and discussions, back and forth, excuses, misunderstanding, misinterpreting of bank policy and me being put in all type of strenuous financial situations ( gas, food and necessary living items ). I was at the mercy of a financial collapse due to the bank inability to handle a simple situation professionally. It caused me great financial difficulties.
10/18/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • SC
  • 29506
Web
On XX/XX/2019, I made two separate mortgage payments around XXXX and XXXX EST. Both mortgage transactions via BBT online confirmed request to pay with separate confirmation numbers to be processed from two separate bank accounts {$710.00} and {$100.00}, which totals the sum of {$810.00}, to processed by XX/XX/XXXX. On XX/XX/XXXX, out of curiosity I checked my bank accounts and my mortgage account history to learn the requested payment transaction for {$710.00} has not been withdrawn ; however, only the {$100.00} BBT mortgage payment transaction posted. Therefore, my BBT mortgage account has incurred a late payment fee. I contacted BB & T mortgage services customer care on XXXX around XXXX EST. and spoke to their front-line customer representative. I proceeded to questioned the representative regarding the mortgage late fee charge, in addition to explain the two separate mortgage transactions that I sent to be applied to my mortgage payment were not processed, due to their system only allows one payment transaction per day. I expressed my concerns with the representative and advised that the information that she provided, does not reference that process when submitting mortgage payments. In addition, the web service system did not provide any payment cancellation to support the action of their online payment process system as she states. Also, I advised the representative in retrospect to this unknown one-time payment process, that no one on the behalf of BB & T made any contact with me as the consumer to alert me to the missing payment {$710.00} that was sent to be processed via web servicer from my XXXX bank account. I made a request to the representative to have the late fee remove and she advised that BB & T can only remove a late fee once every two years. The representative then advised that there is a record of a late fee removed back in XX/XX/2019, which I advised the representative that it was for the same issue that we are discussing during this call. I asked to be transferred to another member who have the authority to have the reported " late fee '' removed as this was no error on my behalf as the consumer. The representative placed me on two silent mutes to advise that her manager XXXX XXXX was currently servicing another call and would have to transfer me to XXXX XXXX voicemail box to have my call returned back on XXXX. As a concerned mortgage consumer, I initiated another mortgage payment of {$710.00} from the same bank account XXXX to ensure that my second mortgage payment apply to my current mortgage. As of XXXX, XXXX EST I have yet received a returned call from the representative manager XXXX XXXX. As a consumer I am quite concerned with BB & T mortgage payment process and mortgage payment reporting. I entrust that BB & T ensure that their payment process options for their consumers are detailed and clear with a one-time, one payment process a day to prevent future occurrences as this situation. Right now, I have low confidence with BB & T mortgage payment process system, as if the payment system is designed to cause payment delays, poor payment reporting and/or the ability to increase their financial gain to over charge consumers.
05/15/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CO
  • 80112
Web
This is a continuation from complaint # XXXX. My original question was never answered. How did my loan charge off only after 60-90 days of delinquency? Typically it takes 180 days of non payment for a loan to charge off. I also never received a final demand letter? This loan should not have ever c/o after just 2-3 missed payments. Sometime in XX/XX/XXXX I had a water main burst on my property, which caused my crawl space to flood. This caused quite a bit of damages, which my homeowner 's insurance refused to cover. I had several companies give me quotes for repairs, and settled on XXXX XXXX XXXX because they were the only ones who offered a payment plan. I first had my load processed with XXXX XXXX, and my payments started on XX/XX/XXXX. The interest rate was something ridiculous, ner 18 %. I paid a large lump sum payment on my first payment, and my plan was to refinance the loan with another company for a lower rate. This large payment essential paid my account forward 2-3 years as well. The first problem arises on my CBR, showing a debt of over 20k, which is incorrect. My loan was only for XXXX. I have attached a document with a screenshot of this information. I have filed a complaint on this with the CO Attorney General on this matter. After 4-5 months, XXXX transferred or sold this loan to BB & T, who claim I missed 3 payments, and then charged off my loan. I have attached a second document showing this on my CBR as well. Loans I thought were only to c/o after 180 days of delinquency? This loan only shows 3 missed payments, which I do not believe were missed as the lump sum payment I made in the beginning should have still covered the period when the loan charged off. Showing XX/XX/XXXX. I have been trying to get this issue resolved for almost 2 years. I have n't received a bill in nearly 3 years, and in the past it had been nearly impossible for representatives for BB & T to locate my acct when I called in etc. In the time since the loan charged off I finally received a few phone calls, and set up a payment plan with the company ; however after months of being on the plan I received a letter stating, they can no longer auto debit my acct. I tried to contact the company and had the same issues locating my acct. Until recently I have n't heard from BB & T until recently I began getting calls again, and the loan is showing delinquent on my CBR again. The loan has not been sold to a 3rd party, its still with BB & T and when I spoke with a supervisor they said there was nothing on my account in regards to the payment plan I had been on for months. I think this is wrong, and I need someone to help me with this issue. As I said earlier I have been trying to rectify this for quite some time, I have n't received a bill in nearly 3 years, and never received a final demand letter etc. As you look into this I think you will find some wrong doing or negligence on BB & Ts part, along with incorrect CBR reporting. Any help or advice would be much appreciated. On the attachments I have provided you can see the incorrect balance reporting ( difference between XXXX amount and BB & T ) and where it shows I only missed 3 payments, then the loan C/O.
08/17/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • SC
  • 29045
Web Servicemember
Due to the fact that I had to stop working in XXXX of XXXX to provide home health care for my wife that received a XXXX in an accident on XXXX XX/XX/XXXX, I contacted BB & T bank and asked for 2 months of deferred payments on 2 car loans. This was done and explained to them as well in order for me to have time to get my financial affairs in order and to maintain my high credit rating. After a lengthy process I was told the deferment was approved on XXXX XXXX, At the beginning of XX/XX/XXXX I went on line and check my accounts and it said my next payments were due on XXXX and XXXX XXXX, so I paid {$420.00} on one account and {$700.00} on the other, leaving a small balance that I could easily pay out of my military retirement at the end of the month. To my surprise when I again went on line at the beginning of XXXX I found it saying I was already over forty days late and it did not show what happened to the {$1100.00} I had thought I was paying for XXXX. I could not get an explanation of what was happening or where my money had gone until I filed complaints with the XXXX and consumer affairs. Finally at the end of XXXX beginning of XXXX, BB & T said that the right side of my statements were wrong and I should have been paying according to the left side. Even though I had always paid referring to the numbers on the right side. Then to make matters worse BB & T turned in every month starting from XX/XX/XXXX all the way through XXXX as late. I attempted to refi the vehicles through them at an supervisors suggestion and it came back denied because my income was too low??? Then I had to get a second deferment for XXXX and XX/XX/XXXX and once again I was provided with the wrong amounts due for previous months and again found myself behind when according to what I had been told part of the payments I sent in would be applied to the XXXX amount due. There was no way to decipher these statements because they had never been fixed and still had the same problem that their executive said they were working diligently to fix and on one account it has not ever been corrected. There mistakes ruined my credit and prevented me from acquiring a refinance loan on my home that I had to have to take care of my family and keep other bills current. I dont care how many times they go back and keep removing missed payments off my credit report, they have totally destroyed my credit and caused extreme financial hardship and stress on my family. I want to know how it is legal to provide false information and use it to destroy someones credit. I want payment for damages and mental anguish and stress this put my family under as we were already trying to cope with a life changing tragedy. I will rip this company 's public image to pieces until I have been paid in full for the damage they have done. I dont need anyone sending information to BB & T because they already know about what they did and have taken no steps in paying for the damage they did. If this agency does not have the jurisdiction to impose fines or penalties on a major bank institution then please provide the name of the one that does. This kind of irresponsible behavior can not go unpunished.
06/04/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Settlement process and costs
  • NC
  • 27263
Web
Branch Banking and Trust Company ( BB & T ) placed a mortgage that was not in my name on my credit as a charge off ( CO ). This house was refinanced in XXXX by me for the express purpose of removing my name from the loan because of our pending divorce. We failed to reconcile and our XXXX was finalized XXXX/XXXX/XXXX. My signature was not placed on any documents at the time the refi was transacted. There has been some irregular issues with each document that I get, either from BB & T or the courthouse. The XXXX is that I was told that I was listed as a cosigner, then as the primary borrower and neither of those is true. The XXXX document shows the payment coupon that ONLY has the name of XXXX XXXX on it, my name does n't appear anywhere. The XXXX document ( I am sending the original copy and the copy where i point out the fraud that has been perpetrated against me by BB & T ) you will see my name, but it is n't my 1 ) signature and if you will notice the area that contains the signatures looks as though it has been 2 ) cut out and applied to the contract from another contract or something, but the wording above it is n't correct and it does n't line up and also leaves a larger blank space under the signature lines. 3 ) The verbiage does not completely exist on the right side as it does on the left side. 4 ) There is a faint line where the content below was added and the copier picked it up when they sent it to me and the verbiage here is at a sleight right angle to verbiage above. 5 ) Where is the beginning of this sentence? Was it left on the document that this was cut from? The additional documents show my signature from XXXX to today. I have been to countless branches, corporate headquarters, and a XXXX phone calls trying to get this resolved. I even offered to pay the balance to just get it removed from my credit and was told by XXXX XXXX supervisor at the " XXXX '' absolutely not, we will update it to reflect satisfied, but we will not remove it! I obtained a copy of the certificate of satisfaction from the register of deeds that was issued in XXXX XXXX and asked how that was issued if the note was n't paid in full and XXXX XXXX replied " oh we just do that sometimes '', but my ex-wife sold the property and walked away with {$15000.00} in hand in XXXX XXXX. If the note was n't satisfied then it was their error and if they just release liens from time to time, how do they stay in business, but as for me, several realtors and attorneys, none of us have ever witnessed anything like this. I asked XXXX XXXX why I had not received any notification of what was owed on this property if I really was the co-borrower and she stated that they sent the letters to the address of the property. They had my current address and if they did n't they have had my cell phone number that has been the same for XXXX years and better yet, since BB & T knows how to contact the credit bureaus, all they had to do was ask them for my current address since that was also listed there as well. This is not my debt and I will do everything I can to get a favorable resolution to this matter, but I refuse to pay another person 's debt.
10/09/2015 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • VA
  • 22193
Web
We have had a checking account with BB & T for the last 22 years, and we are seriously considering moving our accounts to another financial institution that will hopefully not employ the same bait and switch techniques. We value long standing relationships, and it is the only thing that has prevented us from moving our account thus far but our frustration with these practices are pushing us to consider switching our accounts to a new financial institution. It seems that since the new financial protections were put in place for consumers that restricts financial institutions from collecting or racking up arbitrary fees, that our bank has instituted a new way to collect these fees and revenue they have lost that are equally arbitrary and at a minimum are performed in a cloak and dagger fashion. When we notice through online banking that our checking acct is running low on funds to cover checks or payments that we know we initiated but that do not yet appear to have been submitted to our account, we drive immediately to our local BB & T branch with cash in hand to deposit into our account. When we arrive, we always first inquire with the bank rep and verify that there are no " returned payments '' noted on our account. We then immediately deposit the cash that would then cover those payments. We then would notice repeatedly that when the bank performed their reconciliation processes after midnight of that same day that they would then first report a payment from a company was submitted and returned that same day and that they returned the payment to the submitter and charged a {$35.00} fee to our account and they would then go on to reflect on the next reconciliation line that they received the cash deposit made earlier that day " after the returned payment ''. I have spoken to bank reps repeatedly re this discrepancy between what we are told by their bank rep that no payments had been submitted and returned at the point of us making that cash deposit and then their coming back to us after their after midnight reconciliation process that indeed a payment had been submitted and returned that day and that they then state to me that it was submitted and returned " before '' we made the cash deposit and that the {$35.00} fee was deducted from our checking acct. This unfortunately has happened too many times for it to be a one off innocent error, and appears to instead be a new bait and switch technique for financial institutes to continue to recoup the arbitrary fees they had been supposedly prevented from recouping through the new consumer protections put in place. Very few times the bank rep was kind enough to deposit back the fee because many times it was the same rep I had originally spoken to when I was depositing the cash to cover the payments that I then spoke to later when I noticed this bait and switch technique and that the outcome did not comport with what she had advised me initially. But there are numerous fees that had not been credited back to our account under the same scenario, and this new bait and switch technique appears to be a new way of doing business for our bank.
12/27/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • NC
  • 28208
Web
I have been trying to get BB & T to remove my PMI on my mortgage three times over the last 3 years and every time they give me different reasons why they are unable to remove it. I submitted a request the first time in XXXX of XXXX I submitted it with an appraisal showing that the value of the home had gone up. They declined saying that the appraisal that I submitted was not acceptable and that I had to pay for a new appraisal ( through BB & T to have PMI removed ) I got so upset that I dropped everything and accepted a NO and moved on. In XXXX of XXXX I decided to try to have my PMI removed again. This time I made a principle payment to reduce my Mortgage balance below the 79 % LTV from the original apprised value. They told me this time that because my loan was less then 5 years old that I had to bring my Loan to value down to 75 % to have my PMI removed. I did not have any more money to pay down the principle balance to the 75 % so I asked them to refund me the large principle payment that I had made and I dropped it once again. In XXXX of this year I decided that once again I am fed up with paying an extra $ XXXX month for nothing and made a principle balance and brought by LTV down to 78 % Loan to value. This time I received a letter saying that I was declined due to having a late payment in the last 12 month. I was in chock ... .I have never in my life had any late payment on anything. I called the mortgage servicing center with BB & T and they explained that in XXXX I made a payment that was {$100.00} short. I always make additional payment to principle so I am not sure how this could have happened but I did go back and verify the amount that came out of my checking account and it is correct?!?! My payment was {$100.00} short. I guess my big problem here is that I never received a call, I never received anything in the mail and I had no clue what was going on until I requested to have my PMI removed in XXXX. The way I guess they said that the late payment fixed itself was that I made an additional payment to principle in XXXX and they applied that to the {$100.00} that I was short for XXXX. I feel strongly that this should not be the reason for BB & T to once again deny my claim to remove my PMI. I am willing to hire an attorney at this point since I now feel that this have become and issue where BB & T feels that they are so big and untouchable and they can come up with excuse after excuse to do what ever they want and make their own rules. Instead of looking at my individual situation and see that as long as I have had my mortgage with BB & T I have always made additional payment and that the situating in XXXX must have been a honest mistake that was a one off and remove my PMI they are now using that as the excuse. I am really upset about this and want to make sure that other people dot go through this when trying to have the PMI removed. When I refinanced my loan the loan officer told me several times that the PMI would come of once I reach 80 % LTV but never explained that it would be this difficult to have it removed. Thanks
04/02/2016 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • FL
  • 32174
Web
I have a checking account and a loan ( previously a Home Equity Loan ; now terming out ). The original terms for the line of credit were based on interest only during the revolving period ( XXXX ) followed by a 10 year straight amortization. Terms also included that a XXXX account was to be opened and the payments to be on auto debit. Also, a {$50.00} annual fee was to be paid for the line of credit. During the recession they froze the line of credit to new draws ( so essentially I no longer had a line of credit ) and continued to charge the {$50.00} annual fee which does not seem fair. I have continued all along to make my payments unlike most who were " upside-down '' and simply stopped paying. I was rewarded for my good payment history this month be an outrageous {$36.00} " return-item '' fee by BBT. This was the result of me making my XXXX XXXX payment on XXXX XXXX. Apparently, I paid " too early '' because unbeknownst to me my new billing had not dropped and BBT applied the payment all to principal and did not update my next due date. So on XXXX XXXX the " auto-debit '' kicked in and overdrew my account. I had " opted-out '' so the check was returned with no NSF, but I was an assessed a {$36.00} " return Item '' fee. I think the was a {$6.00} fee back before consumer protection legislation allowed for " opt-out ''. It seems this increase is the big bank way around the law. I contacted BBT to ask them to research my impeccable repayment history ( always early or on-time ) and confirm where I made XXXX payments in XXXX and that XXXX was intended to be XXXX and misapplied. I would have had money in the account if I realized that they did n't update my payment date. The responded that they did nothing wrong and it is their policy to apply any payments made before the new statement drops on the XXXX of the month to principal. My subsequent response was while it may have been in the fine print I did n't think it was fair, I have acted in good faith for over 10 years paying perfectly even when I owed at least {$60000.00} more than my house was worth and this is how I get treated. This was never responded to I am contacting you. My complaint is 3 fold ; 1 ) {$36.00} is excessive for a return item and especially since it was ACH auto-debt from BBT to BBT ( they had absolutely no risk or cost at stake ) 2 ) it should never been charged because if my XXXX payment was applied to the XXXX due date as I intended the auto debit would not have triggered on XXXX and 3 ) how is it fair that they can continue to charge the {$50.00} annual fee that I agreed to pay for a " line of credit '' every year but the froze the line to new advances so I no longer had a line of credit. After approximately 5 years into the loan ( before the revolving 7 year RLOC period ended ) BBT Froze my RLOC to new advances ( not because of any default of me, but because market value declines and they correctly assessed that the liens exceeded the home value ). It was true and I am not upse, however they continued to charge my {$50.00} annual fee
01/28/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • VA
  • 225XX
Web
The problem began with the refinance. The loan officer was extremely disorganized and the application was incorrect. The loan was to be in my name only but the financials included all of my husband 's information. It also included all of our old financial data and none of the new information provided. When I brought this to her attention, I was advised not to pay any attention to this it was a clerical error and not a problem. This was the information that was going to be used for the HELOC we were applying for and to sign the documents. I had to manually mark through information and initial to feel better about the legality of the application. When we finished, I inquired about this account showing on the website with my husband 's information since that is how I do all of the banking. I was assured and reassured there would be no problem. I am employed in the industry. I work for a mortgage company in customer service and had serious doubts but decided to trust her. It did n't work. Now we will fast forward. I was in a car accident on XXXX XXXX, 2015. My Fiat is hit by a tractor trailer and totaled. My insurance company was ready to settle on XXXX XXXX, 2015 - or thereabouts. BBT never perfected the title to list themselves as the lien holder. They argued back and forth with insurance company, putting me in the middle, about whether or not it was needed. Finally, I put my foot down and stated it did not matter, the fact remained BBT did not do what was required of them when they took the loan on. It needed to be done and now. XXXX with BBT is now having the title perfected and offered to effective date the payoff to XXXX XXXX, 2015 when he first started this process. XXXX XXXX should be recognized for his superior management of this case and his excellent customer service. One month later and my loan is not paid off and I am making payments on XXXX car loans. To say I am furious is a mild understatement. To have to go through the stress of the XXXX accident I have experienced in XXXX years of driving and then go through the stress of this is too much. Today I received from BBT a letter advising me that my insurance coverage on my Fiat - that was totaled and should have been paid off in XXXX - was cancelled. Unless I provide proof of coverage, they will purchase coverage for me. Insult to injury. I have asked assistance from XXXX XXXX. Now I can go onto the HELOC we did not follow through on because on the HUD. I had advised the loan office that the HUD needed to be correct and requested that she review this prior to us coming in for the signing. Our income was double to over {$200000.00} and our debt was doubled as well, along with incorrect information in other areas. Obviously she did not do her job and I left. This is extremely poor customer service and a lack of professionalism. I have shared my horrible experience with all of my friends and they are equally shocked at BBT 's lack of professionalism and follow through. I do not wish to drag this impossible situation out any further.
08/30/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • KY
  • 410XX
Web
I previously filed a complaint on XX/XX/2018, against XXXX XXXX XXXX XXXX, specifically their XXXX, Kentucky branch, regarding their abusive excessive check deposit hold times on my checking account. As a result of my prior complaint, XXXX XXXX XXXX XXXX retaliated by charging a debit to my account for {$300.00}, with the name Recovery Offset XXXX # XXXX FORCE PAY DEBIT MEMO on XX/XX/2018. I called XXXX XXXX XXXX XXXX on XX/XX/2018, asking what that charge was for, and I spoke with their recovery offset unit and they said that they charged the {$300.00} because there was a " charge off '' on another account with them that took place back in XX/XX/2018. I asked the recovery offset unit why this offset took place now, and they couldn't answer. This only took place as a result of me filing a complaint against the XXXX XXXX XXXX XXXX XXXX in XXXX, Kentucky on XX/XX/2018. When I spoke with the XXXX, Kentucky BB & T branch person named XXXX immediately prior to filing the XX/XX/2018 complaint against them for excessive hold times on my checks, she made a mention of another account that was " charged off ''. XXXX XXXX XXXX XXXX is engaging in retaliatory practices to discourage others from filing complaints against them when they are engaging in hostile and abusive business practices. The {$300.00} offset that XXXX XXXX XXXX XXXX assessed on my account on XX/XX/2018 is a direct result and retaliation for filing a prior complaint against them which in my case was the XX/XX/2018 complaint. In addition, they are using these abusive and retaliatory practices against me because I am XXXX, and the XXXX, Kentucky XXXX person, named XXXX, didn't like that I was standing up for my rights against them as a XXXX. In addition, XXXX XXXX XXXX XXXX assessed an additional overdraft fee of {$36.00} on XX/XX/2018, which occurred as a direct result of the {$300.00} offset that XXXX XXXX XXXX XXXX assessed on my account on XX/XX/2018. XXXX XXXX XXXX XXXX is engaging in retaliatory practices for filing a complaint against them with a regulatory agency. In addition, the {$300.00} offset by BB & T that took place on my account wouldn't have occurred but for filing the complaint on XX/XX/2018, against XXXX XXXX XXXX XXXX, specifically their XXXX, Kentucky branch. XXXX XXXX XXXX XXXX is engaging in unfair and retaliatory business practices to try to discourage others from filing complaints against them with regulatory agencies when they engage in abusive and hostile business practices. In addition, if a person of XXXX like myself, as a XXXX male, stands up for their rights against the XXXX, Kentucky branch, the branch also retaliates by processing offsets to accounts which in turn overdrafted my account and BB & T conveniently assessed an additional {$36.00} overdraft fee on XX/XX/2018, after deducting {$300.00} as an " offset '' on the same day. XXXX XXXX XXXX XXXX needs to immediately refund my account the {$330.00} that they deducted from my account as a result of filing a prior complaint against them.
01/10/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NC
  • 28461
Web Older American, Servicemember
On XX/XX/XXXX, I contacted BB & T credit card dispute agent. A debit appeared on my Credit card ( XXXX ) for {$15.00}. The vendor ID showed XXXX XXXX XXXX . the reference # : XXXX and transaction date of XX/XX/XXXX. The dispute agent to whom I spoke said that a letter would go out to the merchant I received a letter of acknowledgement from the Charge Back Services Department of BB & T on XX/XX/XXXX. The letter stated that an investigation would be conducted. The claim number for the dispute is XXXX. On XX/XX/XXXX a second letter was received from the chargeback services department of BB & T. The letter stated that a provisional credit had been issued.The letter advised that if future charges were made by this merchant ; I should contact the Department within 60 days. On XXXX XXXX another debit was made to my C.C. account. I called the XXXX XXXX Department and advised the agent that a 2nd charge from the vendor XXXX had been made.The agent said I would have to close my credit card account and open a new credit card account in order for the vendor to be blocked. I replied that closing and reopening a new credit card account was not acceptable. I asked for the telephone number of the vendor so I could contact them to dispute the debit transaction. The agent said that they did not have a telephone number for the vendor ( XXXX ) .I expressed surprise and alarm that a telephone number could not be found. The agent then advised that they could not help me. I demanded to speak to his supervisor. I was put on hold for 9 minutes. The agent returned to line to say there were no supervisors available. I advised that having no supervisor available was not acceptable. The agent advised me that he would try again to find a supervisor. I was put on hold again. The supervisor came on line and identified herself as XXXX. I asked her if the vendor had been contacted. She answered that the vendor had not been contacted. She explained further that the XXXX XXXX Department agents were not allowed to contact the vendors.I questioned why there was the change in XXXX policy to NOT require the vendors to provide a contact telephone number. XXXX told me that " Audible '' was a 'Subscription ' vendor and they were not required by XXXX to provide a contact telephone number.. I was shocked and alarmed to hear this change of policy and stated that this change made the bank punish the victims of fraud by requiring them to close their credit card account and reopen a new account while the offenders of " slamming '' ( charging customer accounts a recurring charge without their consent ), were protected. XXXX agreed that that was the current relationship between BB & T and XXXX. I requested a contact name or number for Corporate Headquarters of BB & T. XXXX provided me with an agent who secured the address of corporate headquarters for BB & T. So my complaint is lodged against XXXX for the changes they made in contact policy with 'Subscription '' vendors. This new policy is clearly anti-consumer.
12/27/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Non-sufficient funds and associated fees
  • KY
  • 41091
Web
I do not believe this being sent to the company will help, Ive tried to deal with the company and they refuse to help me. They have taken thousands this year and last year alone in NSF fees. I have proof and have been keeping track of how they re-order the debits and deposits in my account. I have seen them do it, and they still repeatedly do it. I spoke with a customer service representative around XXXX and informed them I knew the order changed of my debits/deposits have changed. After I spoke with them the order changed back to the correct order that it was previously. Since then Ive seen it happen againI transferred money from one personal checking account to another. Then the bank changed the order to look like already, previously posted debits came in after my deposit which was not accurate, the debits had occurred before my deposit. Basically, debits posted I transferred money and then more debits because I was closely watching to make sure my account did not go negative. Instead the bank changed the order to justify taking two NSF fees when they should have only taken one because my account did become negative, but I kept up with it well enough to know that only one charge shouldve caused it to go negative with one NSF fee. When I called Customer service they gave no real explanation and only told me they could not return the other incorrect NSF fee. I have also discovered debits that usually take longer are being pushed through faster, I know that to be the bank because they know they will be able to charge me NSF fees as I go negative. Everyone knows that banks do this, it is not a secret. They should not be able to prey upon people like me that are not able to keep enough in our bank accounts at all times. They only return NSF fees once every two years, I do not believe this to be legal. I do not want to be contacted by this bank UNLESS they are going to return some of my thousands in NSF fees because what they have done to me is just causing me to struggle more and more. They are causing me to have less money in my account so its easier for me to go negative again and again. Since this bank took over the previous company I banked with, my checking account has gone into the negative more often than it ever had before. Banks should be there to help us, not to cause us strife. I also have read on Indeed that current and previous employees have complained about the bank itself. They have also said that they know this bank no longer cares about customer service or their clients. I also had a debit that was supposed to go through a credit card, it was declined and then push through my checking account which it should not have been. The bank didnt stop it so I then asked for a fraud investigationits been over two weeks and the bank still hasnt finished this. They are of course being difficult because they dont want to have to return the NSF fee that I was also costed, the NSF fee was more than the actual charge amount which just adds insult to injury.
09/26/2016 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • FL
  • XXXXX
Web Servicemember
BB & T 's fraud company called me in XXXX regarding a series of attempts by a vendor to submit charges against my checking account. The dollar amounts were random. Once contacted by the fraud dept. I informed them that the charges were not authorized and I closed the debit card to prevent further access. A complaint was filed with the fraud investigation dept. within 24 hours. Later in XXXX, I 'm sitting in my branch handling business and was told that my checking account was overdrawn by {$600.00}, I was shocked because, as a banker myself, I manage money well. I called the corporate office to inquire and was told that the fraud investigation did not rule in my favor because the vendor provided a contract for charges that BB & T says justified them releasing funds that were not on deposit. This is the same vendor who tried to process numerous charges unsuccessfully. Come to find out that my husband canceled the event in sufficient time based on said contract. BB & T did not have this information as part of their investigation. BB & T refused to allow the account to be closed until the {$600.00} overdraft was paid. They assessed a {$21.00} fee. Last week ( XXXX/XXXX/2016 ) my husband tried to retrieve money from another checking account at the same bank. The account was frozen. BB & T used it to offset the {$600.00} deficit in the other account. Thus, my husband could not access his payroll in order to provide for his family, pay his mortgage, and cover transportation costs to and from his job. My issue here is that BB & T is accountable for the {$600.00} that they allowed to clear an account that had less than a {$100.00} deposit balance. Further, the {$600.00} charge was unauthorized by the consumer and BB & T was aware of it. Rather than admit their mistake ( and let the consumer and the vendor work out contract disputes ), they chose the low hanging fruit and stiffed the consumer by taking money from an unrelated account with them. If their policy stands, then it makes no sense that my husband can not cash his payroll check at his BB & T branch unless there are sufficient funds on deposit to cover it. In fact, BB & T 's branch manager told my husband that the bank 's policy, if it were properly followed, would have prevented a {$600.00} transaction to clear if the account balance was not sufficient to cover it. The transaction should have been disallowed and the customer charged a {$35.00} overdraft fee. There were no other charges that did not clear other than the {$600.00} that BB & T approved. These tactics have caused my husband and I financial harm since he was not prepared to lose an entire week 's pay but had no choice. The bank got their money at our expense. My request is that BB & T be held accountable for allowing an unauthorized charge to overdraw our account and to return the {$600.00} to the consumer. We are a two-income household and I have been looking for work since XXXX. Every dime counts to keep this household afloat.
08/11/2017 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • VA
  • 22193
Web
I received a notification a bit before midnight XXXX/XXXX/XXXX that I had overdrawn my account by {$1.00}. Up until XXXX XXXX. when I checked my account it was in the positive. Not willing to leave my house in the middle of the night to risk my life going to the bank I waited to correct this. I figured that since I just got the overdraft there should be no reason I could not instantly correct this when BB & T opens. The next day, XXXX/XXXX/XXXX I made a deposit at the drive through to cover the negative only to find that {$1.00} had already cost me {$36.00} in fees in less than 12 hours. I called in to try to correct this. I was informed that there was no way to override to help me. I asked to speak with a manager and was hung up on. I proceeded to BB & T XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX and waited for XXXX XXXX. I informed her that I wanted to correct the overdraft. That I believe that I got it wrongfully and if she could please help. At that point, I had {$0.00} in my account from a deposit I made that only covered the overdraft. XXXX XXXX pulled up my account and informed me of my balance. I agreed and asked her to please explain how their overdraft works. That I did not understand what she was saying. XXXX felt it necessary to mention over 20 times that my balance was " XXXX cents. '' Every time I agreed, even after I realized what she was trying to do. However, telling me over 20 times that I have a XXXX cent balance is not an explanation. I then asked her to please print me off the overdraft policy form for written legal understanding. Once I knew she was not there to help me, but to try to belittle me in front of other customers mentioning over twenty times " You only have XXXX cents in your account. '' XXXX XXXX then informed me that I was going to " get hit with 2 more overdraft fees for pending items that have not yet posted. '' It took nearly 20 minutes to get her to answer a simple question of if I make another deposit with you now, will that cover things. Again, after mentioning my {$0.00} balance a few more times and avoiding my question she finally answered and said yes, it would cover the pending as long as nothing else goes through. I deposited {$50.00}, she said : " Do you have {$0.00} in this account too? '' That XXXX me off. That is when I knew for a fact that she was intentionally repeating my balance to try to embarrass me. I informed her that she has mentioned my balance over seven times in the last 3 minutes alone, and louder than anything else she said. Today is XXXX/XXXX/XXXX and the 2 pending items have cleared. Yet, I still have that {$50.00} in addition to my direct deposit my account. XXXX XXXX informed me I needed to make the deposit to cover the pending items to stop 2 additional overdraft fees. This banking institute has poor practice, no morals, and the complaints are horrible. Sadly, I am only now learning this. I want my overdraft refunded to me and a formal apology from the bank for XXXX XXXX 's actions.
10/21/2016 Yes
  • Bank account or service
  • Other bank product/service
  • Account opening, closing, or management
  • NJ
  • 08360
Web
I was a Susquehanna bank customer. I had a credit card with Susquehanna Bank serviced by XXXX XXXX. BB & T purchased Susquehanna Bank and all customers were " transitioned ''. We retained a credit card if we had XXXX. On XXXX XXXX 2016 I applied for a BB & T XXXX XXXX card with the sole purpose to use it as a low balance business card to make XXXX or less material purchases for my small business and take advantage of the 0 % introductory interest rate. I applied for the card IN PERSON at my local branch. I was immediately approved but for a very low credit limit. with a credit score of XXXX and a credit limit of XXXX on my current visa I asked why? My local banker called BB & T and they said they raised the credit limit to XXXX confirming it with my branch the next day. AT NO TIME was a balance transfer discussed. A few days later I received a letter from BB & T stating I had been approved for a XXXX with a credit limit of XXXX. 3 days later my card came, I activated it but did not make any purchases at that time. Upon checking my online balance a few days later on BB & T 's online banking website I noticed there was a XXXX balance on my new card. I immediately went to my local branch and questioned this. My banker noted that I was NOT the only person this happened to, and perhaps it was a glitch of some kind. When he called BB & T they said they were getting a high volume of calls about cards that day. My banker was connected to a supervisor of some kind and they stated I initiated a balance transfer. My banker then physically pulled the paper application I filled out for the card and signed and dated IN MY OWN HAND. The " balance transfer certificate '' section was BLANK. Upon further arguing back and forth BB & T faxed over a " new '' application that had the balance transfer certificate filled out in TYPE FACE and DID NOT HAVE MY SIGNATURE on it. My banker argued that I had not asked for the transfer, BB & T said they would waive the XXXX dollar finance charges on the transfer but that I was now responsible for the debt. No one can explain how or why the balance transfer happened or who authorized it. BB & T then claimed that once a customer signs a document that signature can be used on any other document they choose. With Susquehanna my monthly payment was under XXXX, this was within my very tight budget. The balance transfer nearly maxed out the new card, and brought my monthly payment up to nearly XXXX a month FAR outside my ever tightening budget, and it made the prospect of using the card impossible and further caused me financial hardship. They are unbending and uncooperative in helping me with this issue and left the blame for this incident on the branch and the banker who submitted the application. I was there and I NEVER asked for a balance transfer nor did the banker in question. BB & T corporate is at fault and should be blamed, investigated and reprimanded for their actions NOT my local banker or the local Branch.
03/30/2015 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • NC
  • XXXXX
Web
We are having communication problems with BB & T Mortgage, we were hoping you could intervene and get them to help us get our mortgage back on track. We have tried to work with their representatives to obtain a modification on our loan, but they have not responded to our petition. They set us up on a forbearance plan, which we complied to the last payment of the agreement, in the intent for BB & T set us up on a loan modification plan. They are either purposely trying to take our home away or have a very dysfunctional process. Either way, we would like for you to look into what they are doing so we can get our loan payments back on track and keep our home. We have had some financial challenges, due to unemployment and delicate surgery. This is what caused for us to fall behind the loss of income, and the recovery time of my surgery. The good news is we are all back on our feet.. Our financial problems were due to inconsistent income and some unfortunate events as described above. We were forced to temporary discontinue making our mortgage payments. Without our income we fell into a financial chasm, but we tried to keep up with the mortgage payments for as long as we could. Ultimately we fell behind on our payments, what we want is to resume making our mortgage payments. Every other creditor that we contacted was very understanding and worked with me through our temporary financial and health crises, but BB & T Mortgage is refusing to come to the table with any tangible solution for assistance. During all of this we have tried and complied with BB & T Mortgage to get some help with our mortgage, buy agreeing with the forbearance plan but they wo n't listen and have denied me access to government homeowner assistance programs. No matter how many times we have contacted them, it has been a futile effort. We have not had a single point of contact nor have they offered any sort of assistance or repayment plan to get our payments on track. They insist that we pay our entire past due amount, but this is impossible and we are left with no options because they will not work with me. We have been given the runaround by them and just feel they are acting as judge, jury and executioner regarding our options without fairly reviewing our financial circumstances. If we truly can not afford our home, then we will move, but we believe that our loan fits squarely within government guidelines. We are hoping you could reach out to them on our behalf so we can save our home from an impending foreclosure sale. What we want : We simply want a review of our mortgage for all available retention options so that we can keep our home. We do not need a handout or be given something we do n't deserve, but we want the opportunity to be treated fairly. Our financial future looks bright and we will not have any financial issues moving forward if we can get this resolved reasonably. Thank you in advance for any help you could provide. SincerelyXXXX XXXX
01/03/2016 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • GA
  • 31204
Web
I have a serious issue with this Rep with BB & T. Her name is XXXX and I spoke with her today after I called back again when they hung up on me. Not a way to do business. I have an issue with BB & T Bank. My account number ending in XXXX. This is a student account because I am a college student.Now I opened up an online account and I requested the overdraft protection. I had a {$6.00} overdraft and they charged me {$36.00}. Ok I understand that. That was less than a week ago. Now today I get a letter stating that another {$36.00} fee was attached to my account and Now its at a - {$77.00}. So I called BB & T at XXXX and also the number of the back of my card since they hung up on me the first time XXXX. I spoke with a XXXX. I told her that I did n't understand where the extra {$36.00} fee came from. She told me they paid the overdraft and I knew that and that they charged me another fee since it was n't paid within 7 days something that I never heard of before. I told her what is the purpose of the overdraft protection if I am still being penalized. I am being charge {$70.00} plus dollars for {$6.00} dollars. She stated that the overdraft protection is a courtesy that the bank can pay it or not pay it. So I asked her whats the purpose of it if I am still penalized. I had already made contact via email regarding the initial {$36.00}. So I asked XXXX am I going to be charged every week another {$36.00}. She said only once. I told her to close out my account and send me the remaining balance of {$77.00} because I was n't misled like this with the other bank. She told me she could n't close my account out until I bring it current then she can do it. I told her that I want that account closed right now. That I am not paying anything until I get the information that states its closed and I get the balance in my hand. She then threatens me by saying she will send it to collections. I told her I do n't care who she sends it to. CLOSE IT OUT. So now since I do n't want to do business with BB & T, she is going to deliberately allow my account to linger and accrue more fees in an attempt to inflict harm to my credit. What Bank reps you know threatens collections when a consumer wants to stop doing business with them. That 's crazy. At that point, I was getting irritated with her and to keep from cursing her out, I hung up. No one threatens me to do anything. Who is she suppose to be. They trick the consumer into opening these online accounts to get over on them later. I have a right not to do business with anyone who allows their rep to behave this way. If I have to go to the media with this, I will do just that. But I suggest BB & T get a grip on its employees and their scheming practices. I will not pay any money to them until they close out my account. And I am only paying the {$77.00} I should n't even pay that since they never disclosed a 7 day fee of an additional {$36.00}. This is the first time I have heard of such nonsense.
03/30/2015 Yes
  • Bank account or service
  • Other bank product/service
  • Account opening, closing, or management
  • NC
  • 27519
Web
XXXX : WHY BANKS SHOULD NOT OWN BROKERAGE SERVICES OR RECOMMEND ANY STOCK / BANK STOCK / WRITTEN DISCLOSURES REQUIREDDear XXXX XXXX XXXX, At the start of the XX/XX/2008 financial crises I was recommended to a Financial Adviser at BB & T, XXXX XXXX. He built trust over a period of years and became a friend, I thought. We had numerous conversations about " Capital Preservation '' and my numerous request not to be on BB & T 's solicitations financial services products and numerous conversations that my cell phone number not to utilized by BB & T 's solicitations for financial services. When BB & T offered an 8 % preferred stock offering, XXXX XXXX called and set up an IRA securities account for me. A couple of years later to conform to Dodd-Frank rules, I learned years later, I received a unsolicited call from XXXX XXXX stock associate, XXXX XXXX, XXXX strongly selling BB & T " replacement '' preferred stock a new preferred with no disclosures regarding the risk of loss, no disclosure statements, promoting his CFP ( Certified Financial Professional ) ethics, my best alternative, etc. Substantial losses occurred as BB & T customers looked for the safety of FDIC deposits only to be moved over to unscrupulous BB & T products and employees for the benefit of BB & T Dodd Frank requirements. Later other BB & T employees stated " they would not have touched selling the BBT preferred, especially after not being able to recommend the BBT common stock. '' I think XXXX XXXX, XXXX should had disclosed he was not acting in my best interest ( as required by the CFP ethics ) and even though XXXX XXXX was 100 % of the time utilizing the trusting XXXX logo, he chooses when he is utilizing the XXXX ethics. Financial brokers should be required to provide disclosure material by email or other written form, make there financial recommendations and disclosures in writing, and have executed forms of disclosure. A " Know Before You Purchase My Stock / Financial Instruments Recommendations ''. Further more, I understand, that XXXX XXXX on numerous occasions, circumvented my attempts to " move away '' from his services and stay within BBT. I attempted on numerous occasions to deal strictly with another broker that I had know from XXXX and XXXX XXXX and his manager, XXXX XXXX prevented my request, another CFP violation. Bottom Line : It appears that the banks draw in deposits with FDIC assurance and build trust with a financial adviser ; at the same time strongly push and make financial incentives for the financial adviser to transfer deposits over to the brokerage side of the bank while building trust with logos like XXXX and later claim the XXXX trust and ethics are applicable. Request that the CFPB make rules to stop predatory stock sales, require written disclosure and upfront cost disclosure and risk, be fair and transparent, hold the financial institution responsible for the employees services and / or dishonesty.
05/22/2017 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MD
  • 20772
Web Servicemember
Since XXXX I have been getting wrongfully denied mortgage assistance thru FHA HAMP modification program and Partial Claim. My husband XXXX is Veteran who is XXXX and receiving no income. We receive help from our daughter who is a non-borrower contributor and tenant along with my brother who is a tenant as well and pay rent. Our income as a household is sufficient for an FHA HAMP modification, in fact, according to Mortgagee Letter XXXX specifically elimination of the Back end DTI ratio and expansion to Partial claim/combo and with Supplemental directive XXXX enables BB & T to approve my loan into TPP payments prior to XXXX, XXXX. I have been getting wrongfully denied since XXXX and again now recently. My lender denial reason this time was not enough income where FHA eliminated the DTI of 55 % since XXXX XXXX, see attached Mortgagee letter XXXX effective now. ALL FHA servicers participating in HAMP, must adhere to FHA mortgagee letter 's. This letter also allows for a Partial claim, I am REQUESTING THE MAXIMUM PARTIAL CLAIM AND FHA HAMP PROGRAM. PRESENTLY, MY APPEAL OF BB & T WRONGFUL HAMP DENIAL IS UNDER REVIEW AND I AM ATTACHING THE SUPPORTING DOCUMENTS FOR MY CLAIM. MY LENDER HAS COMMITTED DUAL-TRACKING AND I HAVE A MEDIATION HEARING TOMORROW XXXX/XXXX/XXXX IN WHICH MY HUSBAND AND I WILL ATTEND. WE HAVE DONE NOTHING WRONG, AS SOON AS WE WENT INTO A HARDSHIP WE NOTIFIED OUR LENDER, OUR LENDER GAVE US A TEN MONTH FORBEARANCE AND THEN REFUSED TO DO ANYTHING PERMANENT. NOW I PRESENTLY HAVE A APPEAL UNDER REVIEW FOR DECLINING ME INTO FHA HAMP. HERE IS THE PROOF ATTACHED THAT PROVES I 'M ELIGIBLE AND SHOULD HAVE BEEN ACCEPTED INTO FHA HAMP WITH PARTIAL CLAIM/COMBO. HERE IS THE PROOF FROM FHA. MY LENDER AGAIN HAS BEEN DENYING AND DELAYING CONSIDERATION FOR MORTGAGE ASSISTANCE AND MISPLACING DOCUMENTS, MAKING ME RESUBMIT NEW ONES OVER AND OVER AGAIN, DUAL-TRACKING ( FILING A FORECLOSURE COMPLAINT WHILE HAVING A MODIFICATION APPLICATION PENDING ). BB & T DENIED ME WRONGFULLY BY STATING INSUFFICIENT CASH FLOW TO SUPPORT WORKOUT -- - MY APPLICATION INCLUDING MY DAUGTHER A NON BORROWER CONTRIBUTOR, AND MY TENANT INCOME, MY SURPLUS WAS POSITIVE {$360.00} AND ALSO ACCORDING TO MORTGAGEE LETTER XXXX ATTACHED, BACK END DEBT-TO0INCOME RATIO OF 55 % WAS ELIMINATED IN XXXX SO I WOULD BE ELIGIBLE FOR FHA HAMP. I ALSO WAS NOT EVALUATED THROUGH WATERFALL PROCESS FOR THE FHA HAMP PARTIAL CLAIM AND COMBO. SO BB & T WRONGFULLY DENIED MY FHA HAMP AND DID N'T EVALUATE FOR ALL FHA PROGRAMS THROUGH FHA WATERFALL PROCESS. NO PARTIAL CLAIM WAS EVALUATED ACCORDING TO THE ATTACHED DENIAL LETTER. I ATTACHED THEIR DENIAL AS PROOF AND I ATTACHED MORTGAGEE LETTER XXXX AND SUPPLEMENTAL DIRECTIVE XXXX. THIS PROVES THAT BB & T SINCE XXXX COULD HAVE ACCEPTED ME INTO FHA HAMP WITH PARTIAL CLAIM/COMBO, REGARDLESS OF MY BACK END DTI. THIS IS HORRIBLE MY MORTGAGE LENDER CONTINUES TO COMMIT DUAL-TRACKING AND WRONGFUL BLATANT DENIALS.
09/06/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NC
  • 27707
Web
A payment toward my auto loan in the amount of {$620.00} was made on XX/XX/19 ; I received the attached confirmation e-mail. I then received an email on XX/XX/19 ( also attached ) which showed my account was in good standing. Unfortunately, my checking account number was incorrectly auto-populated via the BB & T online payment platform ( I do not, and have not previously, manually entered this number ). This resulted in return of payment on XX/XX/19. I did not receive notification from BB & T that my payment was returned. The national customer service line stated a call was placed to a ( XXXX ) number to alert me, however, I do not ( and have never had ) a number with that area code and, if a number with that area code was associated with my account it too was in BB & Ts error. Had I received notification that my payment did not process successfully I would have immediately rectified this, and have not had prior returned payments before. Consequently, BB & T reported this as a delinquent account to the main credit agencies and my credit score declined 80 points. This occurred while I have been attempting to obtain a mortgage to purchase a home via a physician loan ( requiring a credit score over 700-720 ). I immediately notified BB & T, completed payment, and filed disputes with the main credit agencies. In discussion with BB & T, they agreed I had made every possible attempt to pay my bill in a timely manner and were unable to explain the error in my account number. They had assigned an individual ( XXXX XXXX ) in their credit department to notify the credit agencies that my account was not delinquent who did not do this. Numerous representatives from BB & T have acknowledged over the phone to me that their system may have been at fault. BB & T has now notified me that they will not proceed with doing this ; leaving my credit ruined. They have claimed they notified me by phone ( at an incorrect number belonging to another customer which I did not input to my account ) and by mail ( in a letter mailed on the same day they reported to the credit agencies initially, guaranteeing I had no recourse to dispute the matter beforehand ). They have further refused to allow me to speak to anyone in their credit department to gain clarification regarding why they are now refusing to honor their agreement to remedy the situation, nor to provide me with any next steps I can take to resolve the matter. I have lost significant time from work trying to rectify this issue, have had to pay for temporary housing which I have now had to extend, and have missed the opportunity to secure a mortgage to purchase a property. I have been given numerous incorrect answers, contradictory updates, and stonewalling by various BB & T representatives both nationally and locally. And I have previously experienced numerous IT failures with the BB & T online banking system which, evidently, have gone uncorrected.
05/04/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CO
  • 80112
Web
Sometime in XXXX I had a water main burst on my property, which caused my crawl space to flood. This caused quite a bit of damages, which my homeowner 's insurance refused to cover. I had several companies give me quotes for repairs, and settled on XXXX XXXX XXXX because they were the only ones who offered a payment plan. I first had my load processed with XXXX XXXX , and my payments started on XXXX of XXXX . The interest rate was something ridiculous, ner 18 %. I paid a large lump sum payment on my first payment, and my plan was to refinance the loan with another company for a lower rate. This large payment essential paid my account forwa rd 2-3 years as we ll. The first problem arises on m y CBR, sh owing a debt of ove r 20k, whic h is incorrect. My loan was only for XXXX . I have attached a document with a screenshot of this information. I have filed a complaint on this with the CO Attorney General on this matter. Aft er 4-5 months, XXXX transferred or sold this loan to BB & T, w ho claim I mis sed 3 pay ments, and then charged off my loan. I have attached a second document showing this on my CBR as well. Loans I thought were only to c/o a fter 180 days of delinquency? This loan only show s 3 m issed payments, which I do not believe were missed as the lump sum payment I made in the beginning should have still covered the period when the loan charged off. Showing XXXX of XXXX . I have been trying to get this issue resolved for almo st 2 yea rs. I have n't received a bill in near ly 3 ye ars, and in the past it had been nearly impossible for representatives f or BB & T t o locate my acct when I called in etc. In the time since the loan charged off I finally received a few phone calls, and set up a payment plan with the company ; however after months of being on the plan I received a letter stating, they can no longer auto debit my acct. I tried to contact the company and had the same issues locating my acct. Until recently I have n't heard from BB & T until recently I began getting calls again, and the loan is showing delinquent on my CBR a gain. The loan has not been sold to a 3rd party , its still w ith BB & T an d when I spoke with a supervisor they said there was nothing on my account in regards to the payment plan I had been on for months. I think this is wrong, and I need someone to help me with this issue. As I said earlier I have been trying to rectify this for quite some time, I have n't received a bill in ne arly 3 y ears, and never received a final demand letter etc. As you look into this I think you will find some wrong doing or negligence on BB & Ts part, along with incorrect CBR reporting. Any help or advice would be much appreciated. On the attachments I have provided you can see the incorrect balance reporting ( difference between XXXX amount an d BB & T ) and where it shows I only missed 3 p ayments, then the loan C/O.
05/02/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NJ
  • 070XX
Web
On or around XX/XX/XXXX I learned that a bank account was opened at Branch Banking and Trust ( BB & T ) using my personal information. I did not authorize this account to be opened and came to learn ofsame after being denied a savings account. Upon receipt of myXXXX report in XX/XX/XXXX, I immediately disputed same on the basis of fraudulent and requested the negative reporting information be removed from XXXX. I continued to make attempts to contact the BB & T in an effort to have the information removed but was unsuccessful. I continued to advise the bank that i did not open this account.After filing a fraud identity report with the FTC, I forwarded acopy of same to the bank evidencing fraudulent activity, again requesting the false information be removed. I have had toplace security freezes and fraud alerts on my credit report. In the alternative, I also requested, should the bank maintain thatthis account was valid, albeit false, that they provide theappropriate documents to verify this. To date, I still have notreceived any information from the bank verifying the accuracy of this account and I continue to maintain that this was a fraudulently acquired account opened by someone who usedmy personal information without my consent. On XX/XX/XXXX, after being denied for another bank account, I received aXXXX report indicating that this institution continuedto report negative information. I again disputed the informationon the basis of fraud I requested any documentation that the bank believed would verify the accuracy of the of the account.As of this date I have not received one document. On XX/XX/XXXX I received a third XXXX report after continuing tobe denied for a bank account, except this time denied at a local credit union. This institution continues to report account abuse despite the fact that it is false and is a clear violation ofthe FRCA which requires them to accurately reportinformation, and correct and remove any inaccurate information. The FRCA also requires this institution to verify, with proper documentation, within 30 days. Thereafter should this institution be fail to do same, the inaccurate and negative information must be removed. It is now almost 2 years sincethe date that this was first reported and this institution has notprovided one single document to prove or verify the accuracy of this account. The negative reporting information hasinhibited me from getting a bank account and I am facingsevere financial hardship that is affecting my ability to afford my rent. I did not perform any fraudulent activityrather this institution allowed another individual to open an account withmy information and now is holding me accountable for others wrongdoing. I dont know what else to do to get this false and inaccurate information removed from my report. I have beendisputing this for almost two years. I am desperately seekingyour help as I have exhausted all of my options.
12/11/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • FL
  • 322XX
Web
On XXXX XXXX, XXXX, 6 days after totaling my XXXX XXXX XXXX, I went to XXXX XXXX to buy a vehicle. I met with XXXX XXXX who was my salesman, although XXXX XXXX XXXX is listed as the salesman on the contract. I explained to XXXX about the accident and that I did not have GAP Insurance on the totaled XXXX and showed him the amount that XXXX had paid on the XXXX, the check of which was issued XXXX/XXXX/XXXX. I showed him the latest bill that I had which showed a payoff of {$13000.00} on the XXXX, having been financed through XXXX XXXX XXXX. XXXX paid a total of {$6600.00}, leaving a remaining balance of {$7000.00} owed on the XXXX. He let me test drive a XXXX, but wanted me to come in the following day, at which time he had me test drive a XXXX XXXX XXXX, which had a large rebate on it, which he said would be used as payoff on the XXXX, together with my {$2200.00} down payment. There was never any question about the financing and the XXXX payoff. They said they called XXXX to get the 20-day payoff and commenced to work up the financing. I signed it all that day, but they called for me to come in the following morning to re-do the signing as the final contract. I understand that XXXX was fired. I have called repeatedly in the first few months afterward to find out why the payoff had not been received by regional. Most of the calls were met with either promising to call back, ( with never a callback ) or not answering until the receptionist finally gave me XXXX XXXX 's cell number, ( XXXX ) XXXX. He is the General Manager. When I told him that my payoff had not been paid, he said, " Oh I 'm gon na fire every one of them '', then said that he would have XXXX call me. She did n't. I called him again ; he said let me call you right back. He did n't. I called him again, ; he put me on hold, then said that the check had already been issued, and gave me the check number and the amount. I contacted XXXX with this information, and they were kind enough to put ( 2 ) payments to the back so that my credit would not be affected. No check came after several weeks and XXXX conversations. I remember it being odd that XXXX XXXX had called to verify the loan and when I told her about the pay-off of the XXXX being financed into the new loan, she said " they told you that ''?. I said yes, and it was true. I went over to XXXX around XXXX XXXX to get my tag and while I was there, talked to XXXX the Salesman, who went upstairs and talked to XXXX. He came back down and said it 's all taken care of ... .XXXX is writing a check as we speak. I was so happy! But still no payoff to date. Thursday, XXXX XXXX, XXXX I called and left a voicemail for the Finance Manager to call me. Today is Monday and no call. I now have an amount due of {$1400.00}, including late charges. I ca n't make these payments plus those on the XXXX, and late payments are showing up on my credit report. I was recently denied credit.
10/17/2017 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • SC
  • 29488
Web Servicemember
I have {$180.00} in overdraft fees on my account for which I do not understand how BB & T calculated. I know that BB & T is causing delinquency in accounts in order to charge overdraft fees. This is unfair and deceptive!!! I contacted BB & T regarding the overdraft fees assessed to my account on XX/XX/XXXX and explained the problem with the fees that I did not know I had until this morning. The customer service rep at the 1800 number stated that she would escalate my call and someone would contact me in three days. On XX/XX/XXXX, BB & T called and left a message to which I called back and spoke to XXXX. I explained to her that I did not think the fees ( overdraft ) were valid and I wanted to know how the bank came to this calculation. When I logged into online banking my account was in the positive ( see attached ). XXXX proceeded to explain that each night BB & T recalculates balances and what you see on your online banking is in fact not correct. She stated that the bank posts on the site the following : " Daily Posted Balance : The posted balance after nightly processing is completed. Please note that transactions are paid from your Available Balance according to our posting order, and that the Available Balance may be different than your Daily Posted Balance. Important : The Daily Posted Balance does not reflect all pending transactions and fees and should not be used to determine how overdraft fees were assessed. '' So I asked how would I know ( the consumer ) what my available daily balance is when what you show is not accurate? How would I know you recalculated the balances when I can not see this taking place? XXXX proceeded to say that you would not know because BB & T recalculates the transactions. XXXX also stated that the {$200.00} mobile deposit was not available on XX/XX/XXXX ( 2 day hold time ), for which I understood to be available for withdrawal on XX/XX/XXXX. That is fine but why did they calculate the {$200.00} mobile deposit in my balance on XX/XX/XXXX when they knew the funds could not be withdrawn until XX/XX/XXXX. Also when you look at my view of my account ( statement and online banking ) there is no way for me to know what my " BB & T stated '' balance is since it is so different from my " online banking '' account balance. Due to this entire mess, I was assessed fees which caused my account to go into the negative to assess additional fees. XXXX tried her best to explain everything but the balances do not add up. I would like the fees in the amount of {$180.00} be refunded. I have attached my bank statement from the month of XX/XX/XXXX that do not show what my balance is as well as my online banking view for XX/XX/XXXX to show what my balance is. There are back end calculations done on accounts that the consumer does not see and it is deceptive and unfair to continue charging overdraft fees to make a account go negative to get more money!!!!
10/19/2016 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • MD
  • 21701
Web
During XXXX and XXXX I purchased items through online venders. These hobbies are highly technical and required exact part specifications be sent. Often these products were either misadvertised or came in a different condition than described. Because of the frequency of this, it created a witch hunt of sorts on all levels it seems. I exercised or tried to exercise my rights to the best of my ability to challenge and dispute these with Branch Banking and Trust, BB & T. I went into the XXXX maryland location on XXXX and another on XXXX maryland. This is well noted that both XXXX XXXX and XXXX XXXX run/attempt to manage these locations. They are strong characters in the community, strong enough they are above the rules and assisting customers with complex issues. I have banked with BB & T for over 12 years, this has tarnished my relationship, causing close accounts and personal distress. I go in several times and try to get/give information relating to the claims opened in both XXXX and XXXX. It has been over a year and I am still fighting with this branch on all levels, while my original questions relating to the claims remain unresolved/unanswered, but not lost in the mix. They keep trying to group my several issues that they are creating over and over, its been going on for over a year, I wish I was allowed to wiretap the treatment. It is clear they are creating problems to confuse, complicate and distract from each individual issue to discredit me. I am telling everyone I know in the community with your names as well of those causing these issues, the whole community knows now and agrees. *What is needed from BB & T relating to all my claims/disputes opened in XXXX and XXXX is the following for each : *The letter is to include the following : 1 ) Date claim opened. 2 ) Company the claim was opened with. 3 ) The claim amount. 4 ) The status of each and when opened/closed. Please provide this to me in letter format. Please also send this information to the appropriate departments internally. This is/was my clear request on today 's call. Please provide me that letter answering the above after forwarding to the correct departments. *Please send the above to the company, as I have tried other steps with no remedy. Please also send a copy of this entire complaint and all future responses relating to the physical address on file through conventional mailings. Having a hard copy of this information to read in print is my clear request, as it greatly aids in my XXXX. This unique issue has never been addressed. I need this information or eventually it will be argued and demanded in costly legal trial through discovery. It 's been an unreasonable amount of time. The whole time I was XXXX they only got meaner, eventually XXXX and closing my accounts in my vulnerable time of need. It will never be forgotten. You are all personally liable, there is no plausible deniability.
12/28/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IN
  • 461XX
Web
BB & T has failed to act in good-faith to recognize the rights of, communicate with, or provide loss mitigation to the Successors-Of-Interests of an inherited property subject of a conventional mortgage held by their institution. On XXXX XXXX, XXXX BB & T initiated a foreclosure proceeding against the property naming the Successors-Of-Interest as parties for alleged default. This court initiated action by BB & T acknowledges in their complaint personal knowledge of key material facts including : the XXXX of the borrower, execution of a recorded transfer on XXXX deed and affidavit in accordance with state law, and the name and whereabouts of the Successors-Of-Interest. Despite this declared knowledge, BB & T has provided no good-faith effort to acknowledge the Successors-Of-Interest rights, communicate with the Successors-Of-Interest directly, or provide notices of default, acceleration, or loss mitigation options to the Successors-Of-Interest to preserve their rights prior to filing for foreclosure. BB & T was first notified by the Successors-Of-Interest of the XXXX of the borrower in XXXX XXXX by first class mail. BB & T or its agent/representative was additionally notified during a face-to-face property inspection performed by or on behalf of XXXX on or about XXXX XXXX. BB & T has been provided relevant documents via mail to include : XXXX XXXX of the borrower, obituary of the borrower, transfer on XXXX deed and affidavit transferring interest to the Successors-Of-Interests, and the last will and testament of the borrower. BB & T has not provided confirmation of receipt of said notices and/or to refuse to communicate with the Successors-Of-Interests due to lack of confirmation. This last occurred via telephone on or about XXXX/XXXX/XXXX. BB & T requested the information be resubmitted on XXXX/XXXX/XXXX. This was completed on XXXX/XXXX/XXXX via fax and will be additionally included with this complaint. BB & T has accepted payment from the Successors-Of-Interest since the XXXX of the borrower without issue. As of XXXX/XXXX/XXXX Successors-Of-Interests believe no default in payment exists despite such claim in the foreclosure complaint. BB & T refused to provide any information regarding this claim upon telephone request XXXX/XXXX/XXXX. It is the position of the Successors-Of-Interests that regardless of any claim of nonreceipt by BB & T of prior notices -- BB & T acknowledges personal knowledge of the XXXX of the borrower and the existence of the Successors-Of-Interests in their foreclosure complaint. Failure to attempt to offer loss mitigation options to the known Successors-Of-Interests prior to the filing of a foreclosure complaint seems contrary to the public interest and established regulations, interpretations, and law. It is the intent of the Successors-Of-Interests to act in good faith to resolve any issues related to this account.
07/24/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • RI
  • 02864
Web
My mortgage company, BB & T recently mailed me a letter stating that they have changed the tax payment frequency of my escrow from quarterly to annually in order to take advantage of a 2 % discount that my municipality offers if real estate taxes are paid in full. This has caused a significant shortage in my escrow, and after researching all last night, Im afraid that Im going to be stuck with the only options that they have given me. I never requested a change, have never been late on a mortgage payment, and Im beside myself right now because I believe my options are limited. I will try to provide as much info as I can, and round numbers. I bought a house about 4 years ago for XXXX ( XXXX loan and XXXX down payment ), and right now Im at about 0.83 for a LTV. My mortgage payment has always been around the same amount with slight fluctuations after an escrow account recalculation, but nothing drastic. Only this time, because of the one lump payment, theres a shortage of about {$3500.00}. They have given me 4 options : 1. An extended shortage spread of 24, 36, 48, or 60 months. They state theres no fee assessed with this option, but they dont state whether there would be interest or if Im going to be in perpetual escrow shortage again next year 2. Repay the escrow shortage in full ( which I could have probably done if I hadnt just bought a new car recently, which is why Im in a panic ) 3. If applicable, you may qualify to remove you escrow account. 4. Have my mortgage payment go up $ 300+ a month over the coming year My Escrow Account Disclosure Statement usually comes in XXXX, but because of the shortage on the escrow due to the lump sum payment, they reevaluated it earlier and Im receiving it in XXXX. There doesnt seem to be much info on this, and from what I found [ 1024.17 ( k ) ( 3 ) ], the Consumer Bureau only encourages, but does not require, the servicer to follow the preference of the borrower, if such preference is known to the servicer. So, in order to save me about {$100.00}, my mortgage company is throwing my finances in total disarray at the last minute. I just got off the phone with them ... after talking and getting transferred to various people, apparently there really isn't anything I can do. I can't drop the escrow because i still have PMI. They said that they will not/ can not revert back to quarterly payments ... even though if my municipality were to remove the discount, they would have to revert to installments. They said I can dispute it by sending a letter to a PO Box ( no email or phone ), and would have to wait and hear back. If I extended the shortage spread to say 60 months, I will be in a negative escrow for the next few years, and refused ( or didn't know ) how that would impact my escrow payments in the following years. One of the ladies I did talk to said that they've been fielding similar calls all day.
04/03/2018 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Money was taken from your account on the wrong day or for the wrong amount
  • NC
  • 284XX
Web
I have tried to both TELEPHONE and sent WTO EMAILS to BB & T " Mt Banker '' concerning the problem on my checking account. 1. I have scheduled to have my monthly Mortgage payment " sent '' to XXXX XXXX on 2nd day of each month - e.g. XX/XX/XXXX. There is no ePayment available from BB & T to XXXX XXXX and I complained about that to my previous banker who opened my account XX/XX/XXXX. Since the mortgage is due on the 5th day, I used the 2nd day to ensure no late mortgage payments. 2. I initiated an online transfer of funds from XXXX XXXX to BB & T about XX/XX/XXXX, and received a confirmation that the " Transfer of {$3000.00} was complete '' at XXXX on XX/XX/XXXX. 3. On XX/XX/XXXX, I received a text message from BB & T that there were two Overdraft Fees of {$36.00} each assessed on my account on XX/XX/XXXX and XX/XX/XXXX. I logged into my account and could clearly see the Posted balance each day was {$3500.00} and {$3200.00} and no items had been presented for payment to incur any Overdrafts on XX/XX/XXXX and XX/XX/XXXX. I phoned XXXX XXXX, Senior My Banker at BB & T and asked them to please REFUND THESE TWO charges immediately. I have not heard from them, and sent another email showing both the Screen Shots from Saturday XX/XX/XXXX - showing Posted Balance with no overdrafts for items Posted to y account on XX/XX/XXXX nor XX/XX/XXXX. 4. I requested in my email to XXXX to meet to discuss how to handle regular Mortgage payments to XXXX XXXX as it seems BB & T does not have any e-payment process in place for XXXX XXXX - a major international correspondent back. As of today, Tuesday, XX/XX/XXXX, I have left two voice messages and sent two emails. I also emailed the {$3000.00} Transfer Complete message with email time stamp to BB & T. XXXX. Finally, today I spent 38 minutes on the telephone with XXXX in XXXX ( XXXX ) to try and understand why and how it is legal for BB & T who yesterday and today charged an additional {$72.00} and {$100.00} on XX/XX/XXXX and XX/XX/XXXX for overdrafts that have NOT YET POSTED to my account, and she says they start " processing '' mortgage payments and it takes two or three days and " BBT takes the money out of my account '' to arrange an ePayment to XXXX XXXX. But I do not show ANY Posted Items and NO OVERDRAFTS to result in any overdrafts. Also, CapitalOne completed a transfer into my account on XX/XX/XXXX - that has not shown up until TODAY, XX/XX/XXXX as " Pending '' in BB & T. FINALLY< I asked that they refund the seven BOGUS OVERDRAFT fees assessed totallying {$250.00}. They have refused and said they are allowed to take money out of my account in the back office to " prepare '' for a scheduled payment several days before that payment should be mailed. I DON'T THINK THIS IS LEGAL - and the Posted balance I view online should be the true and correct and accurate statement of the funds in my account!!!
05/10/2017 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • MO
  • 65721
Web
I have a mortgage with BB & T ba nk. About a year ago I had a XXXX XXXX and then was terminated from my employer due to my health. We ran into financial issues. We never missed a payment on our mortgage, although we were late at times. In XXXX of XXXX , the bank locked our online account so we could not make the normal payment. We had to call in. In XXXX , again they locked our account. We paid yet again over the phone. At this time we were caught up and current. We were also paying the late fees anytime we paid late. We received a past due statement saying we were behind almost {$3000.00}. In XXXX , I made a phone call informing them my company had messed up my payroll and I did n't get paid when I was supposed to. I explained I could pay {$1000.00} today, an additional {$1500.00} on the XXXX . I also informed them I would be able to pay {$2000.00} XXXX XXXX , XXXX and {$2500.00} on XXXX XXXX . XXXX XXXX another {$1000.00}. I had second guessed myself thinking I might be behind. These amounts would have had me totally caught with some extra to fall back on for late fees. They denied all of this. I called twice with this offer and both times I was denied. I received a letter on XXXX XXXX , post dated from XXXX XXXX , stating we were officially in foreclosure. They never informed us of this, even asked and was always told no. I reached out to my realtor and she began helping u s. BB & T bas ically refused to help us. She was trying to sell the house in a short sale or outright but the bank refused every offer and attempt at a resolution. XXXX XXXX was the foreclosure sale date. I called the legal department the night before to try and stop this. I received a call the following day from a gentleman from the bank saying he had stopped the sale, he would be evaluating the process and it would just start over. Again, we tried working with them. To no avail. Again, they denied everything. They came up with off the wall amounts and reasons why they kept denying our hardship and loss mitigation. Their main reason, non owner occupied. That is false, me and my family still reside in this home. I filed a complaint with the Missouri State Attorney General 's office. I received a response the bank sent the attorney general in the form of an XXXX page packet. This packet included all 6 years of payment history and call notes. This packet proved consistent payments as well as the refusal of the {$5000.00}. They also included documents that were n't even ours. I received another foreclosure date of XXXX XXXX . I have no idea why this bank took my money but did not post those payments to my loan. I am now currently 5 months behind because they refused payments due to the foreclosure. I do n't want to lose my house. I need help getting this bank to stop trying to take my home. This never should have happened.
08/09/2017 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • PA
  • 178XX
Web
Overdraft protection error through BB & T. When we first opened the account we were told we were not approved for overdraft protection after we signed the paper to apply for it, given to us by the banker that helped us open the account. Over the last month we have been charged over {$700.00} in overdraft fees. We complained numerous times, had endless phone calls with BB & T to try and fix it and got nowhere. Our online banking statement did not match what the bankers statement showed. The information shown on our bank statement was false. The balance in our account showed we had more money than we actually did, resulting in an incredible amount of overdraft fees that shouldnt have occured in the first place, because we were told we werent approved! We were also told, seeing we didnt have the overdraft protection the card would decline if the funds werent available! We had overdraft fees before that we payed, simply because one {$36.00} fee wasnt much to complain about but, this became a big issue on XX/XX/XXXX. We had accumulated an overdraft charge of {$230.00} from the start of XX/XX/XXXX. The overdraft fee was taken out from paycheck on XX/XX/XXXX. Leaving our balance at {$550.00} left from a {$780.00} paycheck. I went into the branch in XXXX XXXX, PA on XX/XX/XXXX to resolve this issue because the claims that were previous opened over this were all denied. I was told there was nothing they could do because we signed for the overdraft protection even tho we were wrongfully told we werent approved for it from the start. After recieving a print out of my bank statement I saw I had another negative balance of {$220.00} as of XX/XX/XXXX. I totaled up my transations from this time period and saw I was wrongfully charged for 6 overdraft fees, totaling {$210.00}. On XX/XX/XXXX I went to the branch in XXXX, PA to resolve this issue and was shown that my balance of {$550.00} was not correct. I only had {$350.00} in my account which was the result of the {$210.00} overdraft fee. Ive kept track of my balance, watched my transactions and still got these fees because my balance given to me through online banking was not accurate. When I asked to see the statement that the teller could see, I was told the information was confidential and only for their use. I was told to keep better track of my purchases. Why would they have not shown me in online banking that my balance was only {$350.00} due to other overdraft fees that showed to be already taken out? It already had listed the overdrawn purchases were cleared and taken out but it didnt show the updated total. They clearly scammed me, and I am not the first person to complain of this " glitch ''. I have not been able to pay my bills for the last 2 weeks and my family vacation was canceled because of this issue. There is no way they can legally get away with doing this.
10/14/2016 Yes
  • Mortgage
  • Other mortgage
  • Credit decision / Underwriting
  • MD
  • 20817
Web
I planned to build a new home on a lot I already own free and clear. I picked BB & T to provided the construction loan ( interest only loan which converts to a 30 yr. fixed rate mortgage when the house is complete ). In XXXX of this year, I sent my BB & T loan officer the building plans and then on XXXX XXXX I requested a rate lock ( I had just signed my contract with my builder ). I have a copy of the BB & T loan officer 's reply that I was locked in at a 3.375 % rate for 60 days. On her email promising the rate, you can see we were discussing the empty lot where the home was to be build so she know perfectly well it was a construction loan. All the paper work was submitted, there 's no problem with my credit score ( which is XXXX ) or the debt ratio, then yesterday I get a note from my loan officer, QUOTE : When you applied on line you applied for a NON construction loan so the product we have you on is for a non-conforming purchase. We all missed it and that is why we have underwriters. My apologies for not catching and correcting it sooner. Since I feel this is not your fault I have been working with secondary marketing to get you as close to 3.375 % rate as I can. I do have some restrictions so here is what I can offer you. 30 year construction loan program is 3.625 % and I will pay your underwriting fee of {$670.00}. We also have the 10 year arm for construction loans and today that rate is 2.875 % and the 7 year arm is 2.625 %. Rates are higher on Construction Loans because we do not know where they will be when the house is complete. You also have the option of a one-time float down option on the construction products when the house is within 60 days of closing. UNQUOTE This is untrue! After I spoke to my loan officer in XXXX and told her I needed a construction loan she quoted me 3.375 % with my building plans in her hands. Additionally, only after speaking to her did she tell me to go to their online site to apply for the loan. The drop down site on their web did not have a construction to permanent loan selection allowed. I told her, mailed in most of the information via mail ( hard copy ) some paper work I electronically signed on line over 5 weeks ago. Now that the rates have gone up, they tell me that they made a mistake, not me, and despite the promised rate of 3.375 % I 'll have to pay more. This ties my hands because ALL rates have gone up so I 'll pay more with BB & T or any other bank. ( The underwriters had NO other problems with my application and as you can see from my bank officer 's reply the feel I 'm fully qualified to get a loan through them. ) The property was to be built at XXXX XXXX XXXX, XXXX SC XXXX and the loan officer is : XXXX XXXX, XXXX XXXX | Banking Officer | Mortgage Loans | BB & T Home Mortgage|NMLS # XXXX Office : XXXX Cell : XXXX Fax XXXX XXXX XXXX XXXX ; XXXX SC XXXX
06/16/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • TX
  • 75025
Web
Opened a personal checking account with BB & T on XX/XX/XXXX. About a month later I wrote myself a check from my XXXX business account in the amount of {$600.00} to transfer myself money. The check was declined due to the daily mobile check deposit limit being only {$500.00}. I crossed out the word XXXX XXXX and number XXXX and changed them both to XXXX XXXX and XXXX so the check would go through. After uploading a picture of the new check, my funds were immediately placed on administrative hold. The next day I went to my local BB & T branch to figure out what the problem was and it turns out you have to initial when altering a check, which I was not aware of. I was told at the time that the check was being returned back to XXXX. I then went directly to XXXX to check on the status of the check and spoke with a manager who called one of the main offices, and it turns out the check went through with no problems at all and was not returned. I went back to BB & T and explained everything to the branch manager and even gave the XXXX manager 's contact information for verification purposes. I was told I'd get a call back within 24 hours regarding an update on the situation, which I never received. About a week later I went back to BB & T to ask for an update and was told everything was okay and the hold would clear within the next week and, but my card was going to be canceled and a new debit card tied to the same account would be mailed out in about a week. A few weeks went by and the hold never cleared and a new debit card was never mailed. I then called BB & T to ask for an update and was told that my account was being closed, BB & T decided to terminate its business relationship with me, and the {$500.00} check would be returned back to XXXX. Another month went by with me not being able to access funds or use my account in any way and the check still had not been returned, all while my account ( which I was notified had been closed ) was still being charged a $ 12 monthly maintenance fee. Since that time I had been to BB & T branches on at least 4 separate occasions to try to get status updates and inquire about the missing {$500.00} with no progress whatsoever. During this time I never even received a letter in the mail or any updates notifying me of the account closure. In fact, around XXXX I was sent a new card from BB & T so I figured maybe they changed their mind and will let continue me having an account there after all. I went to a branch to try to use the card and it turns out the card was sent to me by error and my account was still closed with my funds locked from me and my account still being charged monthly fees. In the past few weeks my account login has been deleted so I can't even log in to check on the missing {$500.00} anymore and I'm really not sure what to do at this point.
01/04/2016 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • NC
  • 285XX
Web
on XXXX/XXXX/15 my paycheck was deposited in to my checking account i have wit bb & t bank .i made a series of purchases and payments that i had enough to cover from my paycheck which was XXXX .upon continuously checking the account my wife confirmed that the balance was going down as expected as normal .as the weekend approached we had XXXX bills that popped up unsuspectingly so we paid those not realizing we did n't have the funds to cover them fully until we checked the account later however all the prior purchases were covered as the available balance was decreasing as the purchases were being cleared. the last available balance was XXXX and the pending purchases did n't exceed that or equal it. the final to payments we made which ended up in overdraft would normally have placed us in the negative at least XXXX but instead we received an overdraft notice for XXXX for XXXX purchases that was supposed to be covered with XXXX that was left in the available balance.After at least XXXX phone call and tears from my wife 's eyes because we could n't get help as every person we talked to tried to cover the banks crooked practice in bank babble we finally talked to a young woman who acknowledged that because we overdraft on the final XXXX purchases the previous XXXX also went into overdraft which is basically saying the XXXX just disappeared into thin air and does n't matter and they charge us overdraft fees for things that were already paid for out of the available balance and the last XXXX purchases are still pending so that would be an extra XXXX in overdraft fees totaling to XXXX. if we made a mistake we have acknowledged it and were willing to pay the balance on the last XXXX purchases but the prior XXXX purchases were paid for as we had the money to pay for them and the digression of the available balance reflected and even thev last teller acknowledged that had we not made the final XXXX purchases we would still have been in the positive so what we have here is FRAUD basicaly they held all the smaller transactions that were made earlier during the weekend until we made the bigger purchase then they cleared the small purchases to be able to charge us overdraft fees for all XXXX of them .then a week later we received a penalty for a transaction we were told they could n't block although we told the it was fraudulent and the result of a dishonest broker who told us we were purchasing health care when in actuality we were purchasing life insurance .Ive reviewed many complaints about this bank by many people and have even seen a lawsuit over this same fraud. this bank is breaking the law and no one is doing anything about it .they even altered the transaction records to confuse us but we were constantly checking our transactions on the android app so we know we were doing the right thing
02/13/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NJ
  • 07017
Web
I contacted XXXX on XX/XX/XXXX to dispute a BB & T Acccount that is reporting inaccurately on my credit profile. They returned a response of verified as accurate in which I am quite behooved. I myself contacted BB & T and they were not able to validate this account. First off let me say I do not have an account with BB & T. I did get approved for a car loan and did sign documents for the loan. BB & T Sent the check directly to the car dealership XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX ( Car Dealership seems to be Now closed down ) I was never delivered a vehicle and NEVER took possession of the vehicle. This was also known by bank rep XXXX who handled the loan process who in turn tried to contact the car dealership and was not able to locate the vehicle. XXXX and the dealership both confirmed to me that the check was received by the dealership in the amount of {$31000.00}, I have a voicemail recording from XXXX that will serve as proof that I NEVER taken possession of ANY vehicle. Fast forward a few months. I reached out to XXXX a few more times and to no avail was I able to reach him, even went into the local branch and was advised he was out to lunch. ( I know feel as though he was avoiding my calls ) A few months later I check my credit report in the process of refinancing my home and I notice a collection/charge off in the amount of {$31000.00}. Mind you I was never sent a bill, statement, payment due notice, or past due notice from BB & T. I'm quite confused on how an account that is reporting as an auto loan didn't go through the repossession phase. How did it go straight to charge off if its indeed an auto loan? Wouldn't BB & T want possession back of a XXXX car that not being paid for? Clearly there is an error somewhere, and clearly BB & T KNEW that I NEVER took possession of that car and still trying to collect on the debt. They sent the check to the dealership, wouldn't that discrepancy be between the Bank and the Dealership? I contacted BB & T directly on XX/XX/XXXX @ XXXX XXXX talked with XXXX, XXXX, and XXXX who all advised that I signed for a personal loan and not a auto loan which is why no repossession occured. So my question to them was why is it then reporting on my credit report as an auto loan? Clearly there is a numerous amount of errors in the reporting of this debt and I requested for XXXX to remove based on the FCRA violatons. I even noticed there is no dispute notation noted even after contacting BB & T via certified mail, I sent proof of the validation request, and a screenshot to XXXX showing no dispute notation and they are continuously responded back to my dispute as verfied WITHOUT launching a complete investigation into this matter. There is no way in the world this account was investigated and verified as accurate.
04/29/2015 Yes
  • Mortgage
  • Home equity loan or line of credit
  • Loan modification,collection,foreclosure
  • TN
  • 378XX
Web
We own a home in XXXX XXXX XXXX, FL. It is valued at around $ 550K We took out a HELOC with Bank XXXX it was an interest only loan. When BBT took over Bank XXXX we were at a balance of {$240000.00} we were contacted by BBT and told, " they do not service that type of loan '', " we would be put on a 15 year payout with a 3 year balloon '' " 6.875 % interest '' " that 's the best we can do ''. It was far above what we were comfortable with and we communicated that. We tried to wrap our XXXX and XXXX mortgages together and make it more manageable but do to the low value housing market in our area in XXXX and the balance of the XXXX mortgages we would have had to come up with {$50000.00} to close. We did n't have the money to do that and so we accepted the exorbitant terms. We have remained current for the last three years and paid down close to $ 40K. I contacted XXXX XXXX with BBT XXXX XXXX business lending around XXXX XXXX, XXXX knowing we were set to term on XXXX XXXX. I told her our situation and that the terms of the loan were creating a hardship and we 'd like to combine XXXX mortgages of {$360000.00} and that we had an excellent tenant covering what the combined mortgage would be saving us close to {$3000.00} per month on a 15 year loan. I turned in our financials to XXXX with the exception of XXXX since we are on extension. Although I had our XXXX income compiled I did not have the rest of the accounting done. XXXX said we would not be able to proceed without it. At that point I decided to move over to the residential side and attempt running the loan through that department. Because of new restrictions I was told we would most likely not qualify. That department was also needing our XXXX business accounting complete which we have not completed and are on an extension. So, we decided to let the loan roll on and continue to struggle making the {$2800.00} payment. It is now XXXX XXXX and I have received in todays mail a maturity statement stating {$200000.00} is 10 days past due. We feel we have been unfairly treated since they took over the loan from Bank XXXX. It seems as though their aim is to bring us to financial ruin. Even if they did n't want to combine and add the XXXX mortgage on, why will they not give us reasonable repayment terms? We have never missed a payment. While it 's true we 've been adversely affected in the last few years with less business income we have continued to adjust as needed to meet all of our obligations. We would like to know our rights and our recourse against this seemingly impossible situation. We would also like to request that the original terms of our Bank XXXX loan documents be compared to the new BBT loan documents we had no choice to sign to see if there were any inconsistencies or mishandling in regards to the transfer of the loan.
07/28/2015 Yes
  • Debt collection
  • Mortgage
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • AL
  • 35055
Web
My complaint is against BB & T. The story begins back in XXXX of XXXX with my attempts to contact them to refinance my XXXX and XXXX mortgages because I knew that in the coming months I would not be able to afford both mortgages but might could if I combined them into XXXX. Despite numerous attempts on my part to get someone to contact me a out a refi, the time came when I was XXXX month away from having no more money to fall back on to make my regular payment. So I contacted their collection department to let them know about the impending doom. Since i was still current they could not help me, which I already knew but didnt know who else to call, so they transferred me to their loan modification department. I explained my story again and was told they could n't help me until I was already behind. I explained to them that XXXX Bank held the XXXX mortgage. They said do t worry about them because since they were in second position they couldnt take our house. When I finally had no other choice but to get behind I called their loan modification dept again. To make a long story short, after filling out the same exact paperwork XXXX TIMES and having them tell us on the XXXX XXXX attempts that they never received it, on the fourth attempt my husband stayed on the phone with an actual person until he received it via fax at which point we were told foreclosure had already been started and there was nothing that could be done. OF COURSE NOT!! Since that time which by this point was I think late XXXX, keeping in mind that I had to file BANKRUPTCY in XXXX to make this " go away '' or so I thought. Since that time they have " foreclosed '' on this house XXXX TIMES, didnt know that was even possible. XXXX of which were after I filed the chapter XXXX BK and they did send letters to us and run our names in our local paper each time. At the third attempt of their attorney contacting us, we had an attorney friend of mine send them a cease and desist letter. To NO ONE 'S SURPRISE they changed lawyers and contacted us AGAIN. They are going to run it in our local paper AGAIN! I will say this with 100 % honesty ; if I had known back in XXXX that it would take them this long to get their ducks in a row, I would have just lived for free in that house and AT LEAST it would not be in the shape it is in after having set for FIVE years basically unattended. This is ridiculous! It is unprofessional to say the least! I have NO CLUE how it is not perceived as harassment because LET ME ASSURE YOU I feel harrassed! Especially after I made every good faith effort I possibly could to work this debt out before it got to the point it did. The damage has already been done to me and my family by these .... People! Please investigate their heinous business practices and stop them from doing this to others.
09/22/2015 Yes
  • Mortgage
  • FHA mortgage
  • Settlement process and costs
  • NC
  • 28031
Web
The closing papers that were sent me are dated XXXX/XXXX/15. That means that I contacted BB & T before that, to start the process and I do remember that it took some time for me to get the closing papers sent to me. With that being said, my original call was around or before XXXX/XXXX/15 to the loan officer at BB & T. I can not prove what the exact date is because it was a phone call and I did not think that I would have to create a history log. Around XXXX/XXXX/15 I called BB & T XXXX office to complain and got what they call " the chairman 's line ''. This is when a manager above my loan officer called me. I informed him of the long delay in processing my loan and that I now have a late fee. I asked for the fee to be removed and to look into the delay of my re-fi. He said that in order for him to remove the existing late, I needed to bring my loan current. To which I did and by closing out my IRA account. The closing check was just over XXXX. I also informed him that when I asked my loan officer why the delay, he said that re-fi take back seat to new loans and that they are overwhelmed right now due to changes in the regulations. The manager agreed with that statement. On XXXX/XXXX/15 I received the follow email : XXXX, I got a call from the processor, XXXX that she was ready to submit your file to underwriting, but that we needed the XXXX payment to be current. When do you expect to make that XXXX payment so we can get your file underwritten please? Thank you - XXXX is the loan officer. I called him and said that I have my IRA closing check and it is just over XXXX and I would like to put it towards a down payment. After running some simple numbers we agreed that it would not make enough change in the payment value and he also said that he would have to redo the closing papers. So I agreed that I will bring my existing loan current and the remaining will go to pay off some debt. From the email I just referenced, I brought my loan current and was under the impression that the loan had been pulled and sent to underwriting. I have not received ANY calls from BB & T since then, saying the my loan was past due, none. Just the other day I received another email from my loan officer saying that I need to provide information pertaining to make IRA deposit of XXXX proving where it come from. It is under XXXX and a legal deposit! He also informed me that I need to bring my loan current again, by 2months. This is of it self, will change the closing loan value. Today XXXX/XXXX/15 I called BB & T XXXX to file a complaint and spoke to a manager. He said that a senior manager would be in touch with me within 2-3 days. He did not give me a direct line or any way to follow up, upon my request, should that not happen. That is when I decided to file a complaint with CFPB.
02/21/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Settlement process and costs
  • FL
  • 344XX
Web
Same company, same issue - holding funds and making up rules as they go along. - BBT The is the second complaint we have had to file in regards to BBT not releasing funds for repairs. First issue, we were told we HAD to use a contractor. Not true. They granted an exemption after the first complaint was file and forwarded the first set of funds so we could start repairing our home from the flood ( hurricane XXXX ). We were told to contact BBT to set up an inspection by one of their inspectors. We did so approximately two weeks ago and the BBT inspector stated and reported to BBT that were are 90 % complete. We called today XXXX/XXXX/17 to verify that they have received the report and would send the additional funds. After speaking with XXXX again, they now stated we need to provide receipts for the repairs that their inspector verified and photographed the work was completed at 90 %. We asked BBT to provide documentation stating where we were required to provide receipts as they have NEVER disclosed this before. It is very obvious they keep making up the rules as they go. The only document we have from them states once the job is 50 % complete they will release the remaining funds. Once again, we asked for XXXX XXXX as she is a supervisor in processing department and her superior XXXX XXXX - still have not heard anything back as of today and waited on hold for over 1 and a half hours. These are the same two people that lied to us before and stated they were over-nighting the first check of which they did NOT as we received the check 4 days later - XXXX tracking # XXXX. If they are doing this to us, how many other people are they doing this to as well. There needs to be a full investigation/audit of the loss draft department. At this point they have not released our funds and are now requiring us to submit receipts? even though they told us their inspector had to come out and take photos and show the repairs have been complete to 90 %. As of the end of this week, we will be 100 % complete with repairs and have already requested BBT 's final inspection and hope that they will be able to provide us with documentation stating that the repairs are 100 % complete and they have been satisfied. I am still waiting on future checks from the insurance company and I would like to provide them with the document stating the checks can be made out directly to me and BBT has been 100 % satisfied. The process of having to take it to one location to have someone sign off on the check, just delays the process even longer and allows BBT to hold my money even longer. Thanks for your help in rectifying this situation and hope to protect other consumers that are being faced with this same situation. There needs to be a documented process and these problems and complaints would not happen.
12/22/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 32765
Web
I tried opening a bank Account back on XXXX XXXX, XXXX with XXXX XXXX. However, when they pulled my consumer report, it showed up that I have had 2 prior bank accounts with BB & T from XXXX XXXX & XXXX XXXX XXXX within a month or so of one another which these accounts were BOTH OPENED ONLINE FRAUDULENTLY!! I contacted both banks, personally, once receiving a letter in the mail regarding a check in the amount of {$6000.00} plus dollars, was attempted to be deposited into the account via the web or app picture submittal on the newly opened bank account. This check came back as a Fradulent check & was returned! I HAD ABSOLUTELY NO IDEA UNTIL RECEIVING A NOTICE BY MAIL OF THE ACCOUNT EVEN BEING OPENED!! Not even a month or 2 later, they opened another account online with XXXX XXXX XXXX Exact SAME WAY, online. Attempted to deposit EXACTLY THE SAME CHECK VIA THE APP ONCE AGAIN. JUST THREW A NEW BANK ACCOUNT THRY OPENED ONLINE WITH A NEW FINANCIAL INSTITUTE!! Once again I received a notice by mail of the RETURNED FRADULENT CHECK which was written off a bank account from Over seas!! Anyways, I immediately went to each bank, and closed each account, IMMEDIATELY AFTER RECEIVING THESE MAILED COMMUNICATIONS IN BOTH INSTANCES!! In both instances, the financial institutions NEVER GAVE ANY MONIES TO THE ACCOUNTS OPENED. IN BOTH CASES. THEREFORE THERE WAS NEVER ANY MONETARY VALUE FOR EITHER INSTANCE. SO ONCE VERIFYING MY IDENTITY AND THE FRAUDULENT OBTAINED ACCOUNTS AND EACH INSTITUTION COMPLETED THEIR OWN FRAUDULENT INVESTIGATION. I WAS CLEARED OF ALL WRONG DOINGS IN BOTH CASES. AND TOLD I HAD NOTHING TO WORRY ABOUT!! Now, THESE EXACT TWO FRAUDULENTLY OBTAINED ACCOUNTS OPENED IN MY NAME ILLEGALLY ALL THIS TIME AGO. IS CURRENTLY PREVENTING ME FROM OPENING UP ANOTHER PERSONAL BANKING ACCOUNT WITH MY ACTUAL SATISFACTORY FINANCIAL INSTITUTION AT XXXX BANK!! I have faxed and completed EVERYTHING I WAS ASKED TO COMPLETE, via by phone with you all, BB & T as well as XXXX XXXX XXXX. However it is now going on MONTH FOUR AND I HAVE STILL RECEIVED ABSOLUTELY NO RESOLUTION REGARDING THIS INACCURACIES WITHIN MY ACTUAL CONSUMER CREDIT REPORT FROM YOU ALL. PLEASE CORRECT THIS INACCURACY IMMEDIATELY. AS I AM FIXING TO PURCHASE MY SECOND HOME AND CAN NOT DO SO UNTIL THIS ISSUE HAS BEEN RESOLVED FINALLY!!! ALSO I CAN NOT EVEN OPEN ANOTHER BANK ACCOUNT WITHIN MY BANK UNTIL THIS ISSUE HAS BEEN RESOLVED AS PROMISED FOUR MONTHS AGO NOW!! I WAS PROMISED RESOLUTION IN A MAXIMUM OF 15-30 DAYS! YET ITS BEEN FOUR MONTHS TO DATE, AND STILL NO RESOLUTION OR CORRECTION OF MY CONSUMER CREDIT REPORTING AND CURRENT STANDINGS WITH MY CONSUMER REPORT HAS BEEN BROUGHT TO DATE AND CURRENT SHOWING I HAVE A GREAT CREDIT STANDING AND ALWAYS HAVE!!! Please correct this immediately.
10/03/2015 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • WV
  • XXXXX
Web Older American, Servicemember
Again, I lived in XXXX from : XX/XX/XXXX, until XX/XX/XXXX. ALL XXXX-Credit Agencies are reporting my ADDRESSES from THAT TIME ... ( ALMOST 5-YEARS ), as me STILL LIVING IN XXXX! How can I live XXXX, & have an ADDRESS ( OF LIVING ), IN THE UNITED STATES? Please have ALL XXXX-Credit Agencies, take off any & all PREVIOUS ADDRESSES, from that period of time .... ( XX/XX/XXXX til XX/XX/XXXX ). Also, make sure ALL XXXX-CREDIT AGENCIES take off ''AFNI COLLECTION AGENCY '' report of the FRAUD .... ( already filed a report or claim to your Agency : # XXXX ). I PAID this XXXX XXXX XXXX Mobile Cell Phone '' off, via my ''B.B. & T. Bank '', XX/XX/XXXX ... .for : $ XXXX-Dollars. Despite me paying this off, ( even thou I did ''NOT '' owe it ). After I discovered I DID NOT OWE THIS BILL, I ASK MY BANK TO REFUND MY MONEY OF $ XXXX-Dollars ... which they are yet to do. I have filed a Dispute with ''B.B. & T. Bank '', for the above amount. Even thou I paid this FRAUD OFF ... .. '' XXXX '' STILL IS REPORTING THIS ON XXXX '' & XXXX '', as still being on my Account, ( as PAID OR CLOSED ), BUT STILL LISTING THIS ''FRAUD '', on my XXXX-above Credit Agencies. I requested ' '' XXXX '' to take this FRAUD OFF OF ALL XXXX-CREDIT AGENCIES, & they XXXX '', has ''NOT '' done this, despite THEM telling me that they would. PLEASE TELL ''B.B. & T. BANK '' ... ... TO REFUND MY XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX BB & T CHECK CARD PURCHASE {$320.00}. PLUS, TELL ''B.B. & T. BANK '' ... ... TO REFUND MY LATE FEE AS WHEN I DEPOSITED THE CHECK FROM : XXXX XXXX XXXX XXXX THEY ( WERE SUPPOSE TO DISCARD MY CHECK, AS I NOW HAVE XXXX VA '' ... .INSURANCE FOR MY WIFE & SON ... .. ( AS I 'M A XXXX VETERAN ). THEREFORE, I DO N'T NEED THIS XXXX. SO HAVE ''B.B. & T. BANK '' TO RETURN THE {$320.00} ... ... ( AS XXXX '' LIED TO ME ), THEY TOLD ME I HAD TO PAY THIS OFF!!! & THEY WOULD TAKE IT OFF OF MY CREDIT REPORT ... ... AGAIN THEY LIED ... .TO DATE THEY HAVE NOT REMOVED THIS ITEM FROM MY CREDIT REPORT. MAKE SURE ''B.B. & T. BANK '' ... ..ALSO RETURNS MY LATE FEE OF $ XXXX-DOLLARS WHICH THEY CHARGE ME AS WELL. Thanks, XXXX ... ... ... OVERDRAFT FEEGet this notice fast. Sign up for free BB & T Alerts. Printable VersionYour account had insufficient funds to pay XXXX item ( s ). BB & T paid the following item ( s ). BB & T ONLINE BILL PAYMEXXXX $ XXXXTotal Item Amount : $ XXXXTOTAL OVERDRAFT FEE : {$36.00} {$36.00} - $ XXXXXX/XX/XXXX Check XXXX XXXX XXXX XXXX XXXX # XXXX View {$140.00}. AT FIRST THEY ONLY GAVE ME CREDIT FOR $ XXXX-DOLLARS, DESPITE THEM KNOWING OR THEM TELLING ME, THAT JUST AS SOON AS I GET THE ' '' XXXX XXXX XXXX CHECK '' FOR {$140.00} ... ..*DEPOSIT THE CHECK ... .... ( BB & T. BANK ONLY GAVE ME CREDIT FOR $ XXXX-DOLLARS! ***MAKING ME OVERDRAWEN***
05/17/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CO
  • 812XX
Web
We have been trying for 3 months to meet the requirements of BB & T to have our PMI removed and they keep making up reasons to delay removing our PMI. We were told both in writing ( a letter from BB & T ) and over the phone that if we payed our loan down to 80 % or lower, we would be eligible to have PMI removed. We were given a dollar amount that our principle loan had to be at to reach 79 %, so we made that happen. After waiting for the payment to be processed, we called again to make sure we met the requirements to have PMI removed. We were then informed that we needed to fax a letter officially stating that we request PMI to be removed ; so again we did what we were told. After receiving our letter, we were told we had to wait 20 days for the PMI department to review our information and decide if we qualify to have PMI removed. After waiting the full 20 days, they sent a letter saying we couldn't remove our PMI without an appraisal of our home by one of their " qualified '' appraisers. We already know our home has increased in value since we bought it and they claim it is a {$500.00} minimum charge for an appraisal ; so we would rather pay that money down on our principal instead of wasting it on something we already know. We did our research ( along with speaking to other mortgage professionals ) and we learned that if our principle loan reaches 78 %, federal law requires a bank to remove PMI automatically. After finding out this information, I called BB & T to ask them what our principle loan amount needed to be to reach 78 %, so we could remove our PMI. The first lady quoted me an estimate of {$130000.00} and said she wasn't a PMI specialist but that was what she thought we needed. I called back the next day to request to talk to the PMI department, but they told me that wasn't possible and wanted to answer my question themselves. Again I asked what our principle loan amount needed to be to reach 78 % to have PMI removed. This time the lady told us {$120.00}, XXXX ( that is an {$8000.00} difference between the quotes that 2 different BB & T employees gave us ) and she said even if we payed down to the 78 % now we wouldn't be able to remove the PMI because it goes by the amortization date ( not the percentage ) ; so according to her, we wouldn't be able to remove PMI until XX/XX/2022. All we want is a direct, honest answer to our question ... .what principle loan value do we need to pay down to in order to reach 78 % of our loan? Once we pay that amount, they must follow the federal law requiring immediate removal of PMI without giving us a million different reasons why they can not remove it. Every month they delay removing our PMI after we have met the federal requirements, they should have to reimburse us the PMI payments we made.
02/21/2017 Yes
  • Bank account or service
  • Other bank product/service
  • Account opening, closing, or management
  • MD
  • 219XX
Web
We have XXXX Business accounts with BB & T and for the most part all has gone well for about 13 years. Two days ago we were hit with what the Police called XXXX. It was a XXXX. My first call after the police was to BB & T. The fraud people were understanding as I was very shakey and upset. I authorized the closing of XXXX of the XXXX accounts but did NOT authorize the closing of the operating account as I had to get to XXXX ASAP to say good bye to my Father who is in XXXX. I already had planr, car and hotel reservations made and would need the debit card when I arrived in XXXX. The XXXX happened on Saturday night of a 3 day weekend and the banks were closed today being Monday. The fraud people were explained that I would have to go in person to the bank to get a new card and since the local branches did n't open until XXXX and I had to be at the airport by XXXX I was given the address and phone number of the branch closest to the XXXX airport. It was agreed that BB & T would keep the account open until I picked up the rental car in XXXX and gor to the Branch to pick up a temporary card. I thought all was well until this morning when I tried to get gas and discovered the account was locked. I have spent the entire day trying to get BB & T to unlock the account. This morning at XXXX I waas told by customer service that he would have to investigate before opening the account but that he would call me no later than XXXX. When he did n't call I tried to call again to discover that he had left for the day. around XXXX I reached someone named XXXX who said he was a supervisor in customer service and that it was his decision not to release the account and that he had notified the fraud department of his decision. He then disconnected the call. In a XXXX, I called the Fraud people back and explained that after multiple calls, always getting different people, being on hold until the call disconnected I was getting desperate. IN the meantime I found out that my Father was worse. I considered delaying the trip one day but without the card I ca n't change the reservations and now realized that if I did n't get there tomorrow afternoon I might not see him alive. The fraud people said their hands were tied. XXXX stayed over an hour after she was due to go home trying to get someone to release the account without succeeding. We are XXXX and this is a Business account. We do n't use credit and have no other cards. We have only the money in our pockets. I have no way to get to the branch in XXXX without a car. It is beyond belief that the bank has no one on call with the authority to handle this kind of emergency. I feel like first I was victimized by the XXXX but even worse now I am being victimized bt the bank I trusted. Whose side are they on?
12/15/2015 Yes
  • Bank account or service
  • Other bank product/service
  • Using a debit or ATM card
  • CO
  • 80211
Web
My wife and I were vacationing in XXXX XXXX XXXX for the 1st time XX/XX/XXXX. We attended a presentation for XXXX XXXX on Monday, XX/XX/XXXX and purchased a timeshare. The next day we were at the marina and speaking with someone at a booth. He sold different excursions like for fishing trips and such. Of course, he asked us we had been to any presentations and we said yes and told him we had purchased a timeshare at XXXX XXXX. We also told him we were having second thoughts about the purchase. He told us that by law we had 5 days to cancel. He also told us he could set us up at another presentation with a vacation club and they would purchase our timeshare and we would be able to have a membership and save a lot of money. We looked at our contract for XXXX XXXX and discovered that we in fact did have 5 days to cancel. Well, we should have just cancelled. Instead, the next morning we went to the presentation at a place called XXXX. This is a very nice area of XXXX with beautiful home overlooking XXXX. We were taken in a taxi to a very nice home. We were greeted by a very nice and professional looking woman who sat down with us and asked us to show her our identification and a credit card. This seem like a standard procedure as this happened when we went to XXXX XXXX. She proceeded to ask us a few questions and then introduced us to a gentleman by the name of XXXX. At this point, we are not sure if this is his real name. He started explaining to us how this vacation club called " XXXX '' would allow us the flexibility to use our money for a variety of different types of vacations. He told us that he would purchase our XXXX XXXX timeshare and we did not have to cancel. He told us that what we paid to XXXX XXXX would be applied to our vacation club membership. It all sounded too good to be true and as part of becoming members we would receive a two week vacation for XXXX. He wanted us to pay {$8000.00} but we told him that we could not. So, agreed to pay {$4000.00} and finance {$4000.00} for 12 months beginning XXXX XXXX, XXXX. He gave us the paperwork to look over and we had breakfast outside on the patio of this home overlooking a beautiful pool. We paid him {$4000.00} with a debit card. Last month we started getting emails from XXXX XXXX about our account. I finally called XXXX last Friday and learned that our timeshare had not been purchased or transferred. I looked at my paperwork for XXXX and called the toll free number. It is not a valid number. I called so called XXXX 's cell number. It is not a good number. I sent an email to XXXX and XXXX and both bounced back as invalid email addresses. Basically, all the information given to us was fake. A total scam. We have contacted our bank and are hoping to get the money bank.
10/25/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 43231
Web
Multiple accounts were opened with BB & T Bank on or around XX/XX/XXXX. When I checked my credit score at some point in XXXX I disputed the accounts, among multiple other accounts with different banks, as they were a result of identity theft. I contacted all three credit reporting agencies. I am currently unaware of my credit reports other than with XXXX, but I intend to get the other reports soon to make sure they are accurate. I contacted the banks involved to notify them of the fraudulent accounts. XXXX has since removed all fraudulent accounts from my past open and closed accounts on my credit report. BB & T is still reporting derogatory remarks and will not accept my dispute for one of the accounts ( {$4400.00} ) .The other account ( {$500.00} as of XX/XX/XXXX ) has been recognized as identity theft, as it is not on my XXXX credit report anymore. They have denied my identity theft claim for the existing account at least 3 times. I submitted an identity theft affidavit to BB & T on XX/XX/XXXX. The first time they denied my claim, they requested proof of residency from XXXX on XX/XX/XXXX. I provided that on XX/XX/XXXX via email. After waiting for a response and checking to see if it was removed from my credit report, I called and they told me that they had never received it, I sent it again on XX/XX/XXXX. Once I sent it again and waited for a response, they told me that the identification card that I sent them needed to reflect my current address. I sent them an updated copy of my ID within a few days of going to the BMV to get a new one on XX/XX/XXXX. I called on XX/XX/XXXX to see what the status of my case was and they informed me over the phone that the signature they had on their documents matches the one they can see on my ID I'm assuming. I feel as if they find a new reason to deny my claim every time and they are illegitimate, as I have provided everything they have asked for. I also submitted a complaint to the company on XX/XX/XXXX for the terrible time I have had dealing with them and their staff. The person working on my case was out on medical leave for months and my information sat on her desk, while I received derogatory credit reporting. I was informed that I would receive a response for my complaint in 15 business days. I have never heard anything back. I also received a debt collection notice ( XXXX XXXX XXXX ) on XX/XX/XXXX with regard to an account with BB & T for XXXX. I believe the identity theft could be a result of a data breach with a local government on XX/XX/XXXX. I have also had a tax return filed in my name ( eventually received my return ) and had a phone bill opened up in my name that went to collections ( since resolved with XXXX ). I have filed two police reports on this matter.
07/06/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • TX
  • 78665
Web
We had a home built and closed on our loan in XXXX of XXXX. We closed knowing the taxes were based on an unimproved amount and would increase in XXXX of XXXX when the XXXX appraised our home with improvements on the land. When XXXX XXXX came and went and I had not received a letter from BB & T Mortgage regarding an increase in our payment due to the taxes going up I called them. I was told that they do their annual escrow evaluations in XXXX of every year and I should receive a letter in XXXX. Knowing that there was already a 6 month time period for the XXXX taxes that I have not been paying on improved amount I began saving money to accommodate until BB & T sent their letter. When I received their letter in XXXX XXXX it said my escrow shortage was {$480.00} which I knew had to be wrong as our taxes went from {$1000.00} per year to {$9700.00} per year. I called BB & T the same day I opened their letter and explained that I thought they were wrong and they needed to properly adjust my mortgage payments. The person I talked to said they could see what I was saying but that their escrow department sends the notices and if there is a shortage after they pay the taxes in XXXX XXXX they will notify me of the shortage to pay. When XXXX XXXX came and went with no communication from BB & T I called them again. They said I would get a notice for the XXXX shortage after they do their annual evaluation in XXXX XXXX. I saved the difference in taxes paid versus owed for XXXX waiting for the letter which I received XXXX XXXX, XXXX. To my complete shock when I opened their letter it said that I have an escrow shortage of {$15000.00} or the option to have my mortgage go from {$1800.00} to {$3800.00}. BB & T waited TWO YEARS to get my escrow account right and send a letter saying I owe them {$15000.00} - this is insane! Although I did my best to be a responsible consumer and save for what I thought my shortage would be due to BB & T 's complete lack in ability to properly set up an escrow account it is nowhere near what they say it will be. I now have to sell my home as we can no longer afford to live here. Had they adjusted my mortgage when they should have in XXXX of XXXX this would not be an issue. BB & T 's lending practices are irresponsible and reckless, not to mention financially crippling to consumers like myself. Please assist in making sure that consumers like myself are not victimized this way in the future and force BB & T to better service their customers. What has happened to my family is in my eyes criminal and now my entire monthly salary will have to pay this mortgage payment until I can sell this home that we can no longer afford due to the careless lending practices of this company. Please help!
03/15/2017 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • FL
  • 33073
Web
In XXXX 2016 I started to receive a service fee of {$7.00} for a Quicken ( software ) service that I do not use on my BBT Personal Checking Account. I have used XXXX on my computer for about XXXX yrs and have never been charged a fee from any bank. I email BB & T and told them I do not use and do not want this service and to cancel it and credit my account. At that time they did give me a credit. This continued to go on throughout the year. Towards the end of the year, XXXX did n't even connect anymore to BB & T and I had to Manually download transactions and yet I still was getting charged a {$7.00} which I had to ask for a credit. I emailed and called many times about this issue and repeatedly expressed that I do NOT want this service and if it continued I would close my account and take my business elsewhere. Well it did not stop I changed banks and was waiting for one check to clear to bring the account to a {$0.00} balance. On the day the check cleared, another charge for {$7.00} for this service I repeatedly told them I did n't want was put on my account as well as a {$36.00} NSF charge. I immediately called the XXXX number and told them about this. She told me should open a ticket and research the matter and I would hear back or receive the credit and that SHE could n't give me the credit. I told her I wanted the account closed but now it had a negative balance. I called back a week later to follow up since I had n't heard anything or seen the credit on my account - this person again told me they would open a ticket and she was at least able to refund the {$36.00} NSF charge - she also told me she sees the account as closed. I also called a local branch near my job to see if they could help close this account and he told me that the account was showing as closed and the only he could do was make sure no more debits came through the account ( which did n't happen ) as I now started to get charged a monthly maintenance fee of {$12.00} and another {$36.00} NSF fee - who keeps charging a " closed '' account??? I call again ( about 10 times ) and The bank then proceeds to tell me since I 've already received a credit within 24 months they ca n't credit me. And some of the reps were not very nice or helpful, in fact they were downright rude and one even hung up on me! Who does that to a customer?? Now we 're getting letters that it 's going to a collection agency. This is absolutely absurd. NO ONE AT THIS BANK would assist to credit my account the money that I should never have been charged in the first place. Please HELP. BB & T needs to credit my checking account {$67.00} for their own fees that they charged on my account including service fees for a service I NEVER USED.
07/11/2016 Yes
  • Bank account or service
  • Checking account
  • Using a debit or ATM card
  • AL
  • 350XX
Web
BB & T offers through their new U by BBT app BB & T deals. I have activated and used many of these deals without any trouble. I just activate the deal in the app, make a purchase with my BBT checkcard, and then it shows up as a pending reward to be deposited into our checking account. The are then deposited the following month. In XXXX of this year, BBT had a deal for 10 % back on stays at XXXX XXXX when paid using your BBT checkcard. I booked a stay at the XXXX XXXX in XXXX, AL, through the link in the U deal offer. The offer also says you must be a member of XXXX XXXX, which I am. Travel was to be completed by XXXX XXXX, which it was. The purchase was paid with our BBT checkcard, and posted under the item " XXXX XXXX XXXX '' on XXXX for {$280.00}. This would mean a deal valued at {$28.00} which we should have recieved from BBT. I waited and it did not show as a pending reward, which I thought may have to do with the fact that travel is completed by XXXX XXXX. So, I waited until after this date and still no pending reward shown. Thus, I reached out to BBT. I work for a competing bank which offers a similiar program and I know that when this occurrs a customer can contact the bank and have the item researched and manually applied if applicable. In fact, based on the deals seen, I think BBT may utilize the same third party for the deals program that my employer uses. I called the customer service line and I was told I had to contact XXXX directly, because they are responsible for paying the reward. I knew immediately this was incorrect however I called XXXX and they had no idea what I was talking about. I also emailed BBT customer service several times and after a lengthy delay got a response basically telling me to call customer service. I then called the local branch in XXXX, AL, and spoke with XXXX who told me he was going to research the issue and get back to me. A few weeks passed and I heard nothing, so I called him back and he told me he did not know anything about the deals program but that he had escalated the issue and I would be getting a call from BBT corporate on the issue. I never heard back from BBT corporate. I then got another reply to a previously sent email communication to BBT which indicated I should call BBT online technical customer service, which I did. At first, the agent also did not know what to do, but eventually told me she was escalating the issue and I would hear back in 48 hours. That has been a month now and still no calls back from BBT corporate or cash rewards. Thus, I am left with no choice but to now turn to CFPB as it seems like no one at BBT knows how the deals program works or how to research a missing credit which I am due.
01/24/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • XXXXX
Web Servicemember
Note : the original questions asked to file this complaint have no area to comment : thereby not allowing for complete accuracy in answering these questions. Please ad comment boxes Today XX/XX/XXXX had to withdraw my previous complaint filed XX/XX/XXXX d/t missing information and miss spelled wording. This original complaint was taken over the phone. subsequently I am refiling this complaint. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - To BB & T also known as XXXX/XXXX XXXX/financial institution/mortgage company, XXXXxecutive branch : I am filing a formal complaint against your company and the two companies you sub contracted ; XXXX XXXX XXXX & XXXX XXXX XXXX for consumer harassment, trespassing, breaking and entering, and destruction of property at my Residence XXXX XXXX XXXX in XXXX Maryland, XXXX, on XX/XX/XXXX. This is the 4th time I have made BB & T aware that they were not permitted to trespass on my property and you have continued to violate my request. This has caused an enormous amount of stress on me, and my father who was at the residence on the day this took place. I believe your company is not only breaking the law on numerous counts but attempting to force me into default to illegally obtain my property. On this occurrence : date XX/XX/XXXX my father went to the house for repairs and found the doors of my home opened with 3 men inside the home, the basement door lock was busted open. I was then also advised by the parties present that you had broken the locks and entered my garage also and drained my pipes in the home. I asked for a copy of the original work order on multiple occasions and have still not received it. I called the city police department and a report was taken. The 3 men from XXXX XXXX XXXX provided a work order number XXXX and stated they were hired by XXXX XXXX XXXX who was hired by BB & T to inspect my home without my consent or knowledge. At no point was I ever notified by any of these 3 companies of their intentions. At no point were they given permission to trespass on my property, and in fact BB & T and XXXX XXXX XXXX were told on 3 separate occasions they were not permitted on my property due to 3 prior attempts. They were told they were not aloud on my property with out prior approval in writing by my self within one week of notice of entry. I spoke with customer service, loss mitigation, and your Chairman hotline in regards to this issue and expect a response immediately. I have notified home owner insurance company and the Consumer Protection division of the violation. With any due Respect, XXXX XXXX XXXX XXXX all correspondence is requested via email
09/01/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • FL
  • 32765
Web
On Saturday XX/XX/XXXX I paid {$460.00} via my XXXX bank account 's online bill pay option ; this payment was issued to BB & T for my auto loan. The funds were transmitted to BB & T via ACH/direct deposit/electronic transfer on Monday XX/XX/XXXX. The funds should have been credited to my loan balance as being received on TuesdayXX/XX/XXXX, however BB & T claims to never have received the payment. After I received several collection calls from BB & T with regard to this payment, and after I explained the issue to a different rep each time, I eventually obtained a fax number and was directed to send proof of the electronic payment so that BB & T could research the issue. I obtained this proof of payment from XXXX and faxed this support to BB & T, along with a brief explanation of the issue, on Thursday XX/XX/XXXX. I did not hear back from BB & T until the collection calls started again, approximately a week after I sent in my proof. At that time I spoke with a BB & T rep by the name of XXXX XXXX who advised me to send the proof of payment again, but to also send my bank statement showing the completed transaction was drafted from my bank account. I completed this action on Thursday XX/XX/XXXX by sending another fax of the requested documents, along with a more detailed letter outlining my complaint, facts of the matter, enclosures and my request for resolution. Today, XX/XX/XXXX, I called BB & T for a status update because my loan balance still does not reflect the missing payment as being received. After speaking with 3-5 different reps, I reached XXXX in the Collections Dept who advised me that recent notes on my account state that BB & T found my supports insufficient and that they now need a copy of the paid check. I explained to XXXX, as I had done in all of my prior contacts with BB & T, that the payment was electronically transmitted to BB & T and that there was no check copy, only the transmittal and trace information which is located on the proof of payment from XXXX. XXXX asked me to email her a copy of the supports I faxed on XX/XX/XXXX so that she could escalate this issue to the appropriate team. It has now been approximately 44 days since BB & T should have credited my loan balance with the {$460.00} payment, yet they still have not. I have provided them with supporting information three times now, counting my email this afternoon. I am sure BB & T has charged me additional interest during this time to punish me for this missing payment but this is a processing error on their end ( or on XXXX, however XXXX insists the transfer was completed since the transmittal and trace information is readily available ) and not mine.
08/04/2015 Yes
  • Bank account or service
  • Savings account
  • Account opening, closing, or management
  • DC
  • 20017
Web
I was cheated by BB & T and the XXXX could not handle the case and I am asking your help. I had a previous case ( XXXX ) opened and was asked to open another case with updated information. My first savings account was from XXXX XXXX XXXX Bank opened in 1996. The bank was taken over by BB & T. I decided to let go of my high pay job and went to XXXX. I wanted to close my savings account and I had plenty of Money in the checking account. The teller at a XXXX Branch told me not to close the savings account because if I had sufficient fund in the checking account there will not be any fees. I did not have that in writing, because I was banking with BB & T for many years. After XXXX months I found out that there is a monthly service charge of {$7.00} on a dormant account. I questioned the charges and they refuse to refund the money. When I went to close the account, they asked me to bring lots of ID to reactivate the account in person. Later I got a mail notice saying my account is active and please call to deactivate the account. I asked the manager saying if I was dead, would the money be depleted through service charges without letting my relatives know about the account and she said yes. She could not find any means to refund the money. BBT did not mail me nor have sent me notification regarding monthly statements. I contacted XXXX, and their complain office for BB & T is in XXXX, the same office of the BB & T head quarters. They did not intervene on my case, but acted as a medium for communication. When I tried to contact XXXX by writing I did not get any response. So please help. I have all documents and proofs. BB & T only refunded XXXX of the service charges and refused to refund the other half. Few things : If a customer dies, there is no written notice to the client or relatives regarding the balance in the bank. Second, The meaning of " BANK '' for savings is no longer applicable in BB & T because their business practices does not allow written notification regarding dormant accounts. Third the term " dormant '' is unfairly one way. I can not as an account holder withdraw the money without ID, but the bank can enjoy deducting money till it is empty. When I went to activate it. they need all the ID and they wanted me in person. Please help. Attached are BBT 's response for the previous case. They have attached the statements, but it was not sent electronically nor have there any alerts regarding monthly statements sent to me. BBT does not want to take responsibility for their errors but refuses to refund charges from my hard earned savings account. BBT also responds that Bank has the power to change anything without notice.
08/18/2015 Yes
  • Bank account or service
  • Checking account
  • Using a debit or ATM card
  • NC
  • 273XX
Web
I open a bank account with BB & T on XX/XX/XXXX account # XXXX. I opted in for ACH check overdraft review but specifically instructed BB & T to not consider authorizing and paying items that will overdraft my account for ATM withdrawals and everyday debit card transactions. On XX/XX/XXXX, I closed the above mention account number because the account had been compromised and opened a BB & T Bright Checking Account ending in XXXX. The representative that assisted me was XXXX XXXX NMLS # XXXX at the Branch located at XXXX XXXX XXXX XXXX, NC XXXX. Again I instructed BB & T to not consider authorizing and paying items that will overdraft my account for ATM withdrawals and everyday debit card transactions but to opt in ACH check overdraft review only. On XX/XX/XXXX I went back into the branch to speak to XXXX XXXX and advised him that I thought that I had inadvertently made over draft changes, on the voice response system on XX/XX/XXXX, for debit card overdraft review and wanted to make sure I cancelled it and to instruct BB & T to not consider authorizing and paying items that will overdraft my account for ATM withdrawals and everyday debit card transactions when there are not have sufficient funds in my account. I was assured by XXXX XXXX on XX/XX/XXXX that I was only opted in for ACH check overdraft review only and opted out for ATM and debit card transactions and no overdraft changes had been made. On XX/XX/XXXX, I was charged {$100.00} for XXXX debit card transaction fees, {$36.00} each for debit card transactions authorized when there were not sufficient funds in my account. I spoke to XXXX XXXX on XX/XX/XXXX he advised that he had misinformed me on XX/XX/XXXX about the overdraft changes because it takes three days to show any changes authorized on the voice response system, so he would not have seen the change, on the day of our conversation XX/XX/XXXX, that could have taken place on XX/XX/XXXX, because it would not have shown in his system until XX/XX/XXXX. I told him I need to be credited to my checking ending in XXXX for the bank fees charged to my account by no fault of my own since I had instructed BB & T to not consider authorizing and paying items that will overdraft my account for ATM withdrawals and everyday debit card transactions when there were not sufficient funds in my account. XXXX XXXX advised he could only credit XXXX bank fee of {$36.00} on his level and that he would have to submit the other XXXX bank fees totaling {$72.00} to his superiors for credit and he would call me back but I have not heard anything from him and my money has not been credited back to my BB & T Bright Checking Account ending in XXXX.
08/28/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • NC
  • 28105
Web
Borrower : XXXX XXXX XXXX XXXX Loan Number : XXXX BB & T Loan Number : XXXX Recorded Date : XXXX Principal Balance : XXXX address : XXXX XXXX XXXX, XXXX XXXX NC XXXX Rate : 7.250 % Current pre UPB XXXX, after Servicer mod UBP proposed to be XXXX Payment : XXXX/XXXX/2015 ; New Term : 480 months, maturity date XXXX request and concerns : Refer to attachments. Borrower was advised by servicer BB & T that HAMP, trial period offer was printed and sent in error. BB & T servicer then advised borrower and XXXX XXXX XXXX verbally on the phone that the original HAMP, TPP was an error. Offer was not mailed to correct the error. The borrower was advised over the phone to take what was verbally offered or the foreclosure would move forward. Be advised that no correction modification was mailed to the borrower per request from the borrower and no signature modification is recorded or on record. Be also advised that the borrower would have never been aware of the error had she never initiated the outbound call to the servicer to confirm the mailing address was correct to assure the servicer received the original HAMP TPP was received before the designated deadline. Per XXXX XXXX guidelines the borrower is requesting a fair review and a new trial period with the original offer of payment at {$0.00} identified as a forbearance period of 3 months, refer to the attachment and rate while this violation is under review and all workout options per waterfall as listed in attached XXXX XXXX directive are considered. The borrower also request a reduction to the current interest rate of 7.25 % to a rate of 2 % and term to 480 months. A complaint is currently filed and in review with the following financial agencies : Servicer BB & T ( servicer ) executive compliant department, Federal Housing Finance Agency, Consumer Finance Protection Bureau. We ask that XXXX and CFPB investigate and confer with XXXX XXXX XXXX investor XXXX the operation and servicer 's performance as a delegated entity on the behalf of XXXX XXXX. We suggest all loss mitigation timelines and foreclosure operation task be reviewed by a third party firm for designated servicer participation agreements, compliance and regulatory error. We ask that a random audit of servicer 's internal mailers be reviewed for more than one workout mailed to additional borrowers and not honored. This error flags servicer and investor violations and places borrowers at risk. Keep in mind this is one violation. There are XXXX if not more and by more than XXXX servicer. Feel free to contact, XXXX XXXX XXXX, and XXXX XXXX XXXX at XXXX XXXX ) XXXX, former senior mortgage XXXX consultant to XXXX XXXX.
10/09/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Unable to receive car title or other problem after the loan is paid off
  • IL
  • 60803
Web
On or about XX/XX/XXXX I purchased a car and received financing through XXXX XXXX XXXX ( XXXX ). I signed a 72 month contract with a finance rate of 18.95 % and monthly payments of {$880.00}. During the course of the loan I was allowed a total of 8 deferments, which I was informed there would be no penalty and the deferments would extend my loan as they are placed on the end of the loan. My original maturity date was XX/XX/XXXX but due to the deferments matured in XX/XX/XXXX. Towards the end of the loan I received a statement which led me to call the finance company and inquire about the balance. I placed this call on or about XX/XX/XXXX and was informed that due to the deferments I had an outstanding balance of approximately XXXX XXXX. During this call I was told that the deferments caused me to accrue an outstanding interest balance and that is why I still owe on the car. On that same day a payment history was emailed to me and I was reminded that, according to the contract, this is a simple interest loan. The representative attempted to explain the situation and stated that the interest on the deferments accrued over time, but every time I reiterated what he explained he would say I did not understand how simple interest loans work. So I researched the definition of simple interest loan and studied my payment history for further clarity. On XX/XX/XXXX the starting balance was {$37000.00} and first payment of {$880.00} was made. Only {$5.00} was applied to the principal and {$870.00} was applied to interest. Apparently, there was a miscalculation from the very beginning. The applied interest should have been approximately {$580.00} and the remaining {$290.00} should have been applied to the principal. Throughout the course of the loan, there were a total of 9 payments made where {$0.00} went towards the principal with one time being 4 consecutive payments. This is partly the reason I have an outstanding principal balance. In fact, the history shows random and sporadic interest charges, most times inflated. In one instance, on XX/XX/XXXX, after over 3 years of paying on the loan, only {$6.00} was applied to the principal. According to the definition of a simple interest loan, the amount applied to the principal will always increase and the amount applied to interest decreases as the loan matures. This is not reflective in my payment history. As stated in a letter provided to me on behalf on XXXX on XXXX XXXX " the interest accrued is based on the outstanding balance. '' I am unsure how they calculated the interest because it does not coincide with the outstanding balance and an interest rate of 18.95 %.
09/18/2015 Yes
  • Mortgage
  • Home equity loan or line of credit
  • Application, originator, mortgage broker
  • MD
  • 20814
Web
We contacted Susquehana about refinancing our HELOC. The broker explained the eligibility requirements and the terms of the loan. One of the key factors was an introductory rate of 2.49 % that would last for 12 months and then the loan would convert to a variable rate of prime minus a .25 % discount for having a Susquehana free checking account with automatic loan payments deducted from that account. The broker explained there was a loan to value ratio ( LTV ) we could not exceed taking into account our primary mortgage. We explained that the purpose of the loan was to pay off the original HELOC which was $ XXXXand to have the ability to use the HELOC for home improvement and potentially a down payment on a second home. The broker told us that we were approved for a {$420000.00} HELOC and we assumed that based on a XXXX appraisal of our home and approximate first mortgage of {$700000.00}, that this number represented an acceptable amount within the acceptable LTV parameters. We were never presented with any alternate loan figures or told that by agreeing to this amount, we would not be within the promised variable rate after the first year of prime minus .25 %. So we accepted the offer and closed on the loan. The first year of the HELOC payments were as expected. During the course of the year, we only used under {$300000.00} of the HELOC. However, at the one year mark, the loan payments doubled. When we inquired what the new rate was, we were told that our loan reset to prime plus .25 % ( instead of the expected minus .25 % rate ). When we asked why, we were told that our overall loan amount at closing exceeded the XXXX % LTV and therefore we were not entitled to the prime minus .25 % rate. The broker never explained that if the HELOC LTV ratio exceeded a certain percentage that the introductory rate would reset to a higher APR after the first year. And we were never given an option of borrowing less so we would not exceed the LTV. Indeed, we did not use 70 %. We immediately contacted Susquehanna and asked if they could lower the loan limit to bring us within the acceptable LTV limit but they could not. And they refused to reset the rate to the original promised rate. At this point we feel that they maximized the loan figure for their own benefit. We had no way of knowing this would occur or that we were not within the acceptable LTV ratio until after the first year when the rate changed. By then, it was too late and we are stuck with a higher loan we do n't need and with higher interest payments. In addition, we ca n't refinance because we would be stuck paying additional closing costs.
10/27/2016 Yes
  • Debt collection
  • Mortgage
  • Taking/threatening an illegal action
  • Seized/Attempted to seize property
  • NC
  • 27215
Web
This complaint is on a group providing services to the public, but also provide a special service to certain privileged individuals, which are the instigators, and the ones trying to cover up their own crimes. About XX/XX/2010, Branch Banking & Trust Company Inc. where I make monthly mortgage payments on a now alleged mortgage which, is a 5.50 % fixed rate on a XXXX year conventional mortgage. I was not delinquent on payments, neither delinquent on city/county property taxes nor homeowners insurance. A Ponzi scheme was being operated locally involving the assistant clerk, giving an illusion of legal authority, and pretending a fraud law and using and accepting others to use defeated forms with false content to mislead as a conduit to advance an agenda orchestrated by certain lawyers and others concerning privately owned real property. It appearing now, that certain fraudsters had previously unlawfully been using my property for their personal desires and fun. When the economic turn bad I believe these fraudster tried to cover up by filing false information that mirrors someone failing to pay their mortgage and other bills, a false light upon me also, artificially created a justified their Ponzi scheme. This scheme would not survive in a real court under a judge, but I was being rerouted outside the legal/normal jurisdiction by certain actors. The actors included impostors as XXXX threatening, falsely arrested me, using lower standards without the required proper documents. XXXX. certificate of incorporation " delegates authority '' for active and honorary members to " ... conduct amusement enterprises of all kinds ... exhibits shows ... theatres ... and acquire all costumes, scenery, properties ... to issue bonds ... debentures or other negotiable instruments ... secured by a mortgage ... from time to time seem advisable '' .to enter into, make, perform, and carry out contracts of every sort and kind ... foreign government ... '' I believe these fraudsters are being " hired '' through this illegal non profit corp. too fictitiously validate certain Foreclosures and it authority as a legal act performed by law enforcement. Nasty, Nasty, but no doubt great commissions. This also involves an alleged real estate agent, as XXXX XXXX I ask the XXXX of the police department to make and file charges against and others for making a false police report, impersonating a federal agent of XXXX etc., but he refuses. I also, by XXXX fax confirmation sent to XXXX to acknowledge and inform others about the difference between rules and laws including about the exposure of fraud in banks violations.
08/18/2016 Yes
  • Bank account or service
  • Checking account
  • Using a debit or ATM card
  • WV
  • XXXXX
Web Older American, Servicemember
ON XXXX XXXX, XXXX, A DEBT COLLECTOR CALLED, CONCERNING A SO-CALLED OLE CELL PHONE BILL, FROM XXXX. THEY TOLD ME IT WAS FROM XXXX OR XXXX? THE SO-CALLED BILL, WAS FOR {$140.00}. I PAYED THIS VIA MY ''BB & T BANK DEBIT CARD '', ON THAT DAY, BECAUSE I WAS ABOUT TO CLOSE ON OUR ''NEW HOUSE '', ON XXXX XXXX, XXXX, LOCATED IN XXXX, XXXX I WAS AFRAID THIS WOULD CANCEL MY NEW HOME DREAMS ...? SO EVEN THOU I DID NOT OWE THIS CELL PHONE BILL, I PAYED IT. NOW THAT I HAVE BOUGHT OUR NEW HOUSE, I WOULD LIKE TO FILE A DISPUTE WITH ''BB & T BANK '', FOR THE AMOUNT OF {$140.00}. PLEASE RETURN THIS TO MY CHECKING ACCOUNT, BB & T BANK. THANKS, XXXX Other ( i.e. phone, health club, etc. ) Which of these best describes your issue? Threatened to sue me on debt that is too old to be sued on Describe what happened so we can understand the issue ... XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX SC XXXX BB & T CHECK CARD PURCHASE {$140.00} They told me I had to pay the CELL PHONE BILL FROM XXXX, EVEN THOU I DID NOT KNOW IF I EVER HAD THIS CELL PHONE #, OR NOT..? NEVER GOT ANY STATEMENT, OR BILL. THIS WAS SUPPOSE TO BE FROM WAY BACK IN XXXX OR XXXX? THE ''REP '', ALSO T0LD ME IF I DID NOT PAY NOW ... ( XXXX XXXX, XXXX ) ; THAT THEY WOULD TURN THIS BILL OVER TO ALL CREDIT AGENCIES.. ( XXXX ). AND THUS LOWERING MY CREDIT SCORE ... ... ( I TOLD HIM FRAUD HAD BEEN COMMITTED, WHILE I WAS LIVING IN XXXX, DURING THAT TIME, TIL XXXX. I MOVED TO THE XXXX IN XXXX XXXX, XXXX, RETURNING ON XXXX XXXX, XXXX. FRAUD HAD BEEN COMMITTED AGAINST ME, SEVERAL TIMES. I TOLD HIM ( XXXX ), THIS. AND THAT I WAS ''NOT SURE '' IF THIS WAS MY DEBT OR NOT. BUT THEY AGAIN THREATENED ME. AND I WAS TRYING TO BUY MY NEW HOUSE, THAT CLOSED ON XXXX XXXX, XXXX. I WAS AFRAID THIS WOULD HARM ME GETTING OUR NEW HOME, SO I PAID THIS UNKNOWN CELL PHONE BILL, THAT I HAVE NEVER HEARD FROM NOR ABOUT. THANKS, XXXX XXXX ... .EVEN IF I HAD OWED THIS..??? IS THERE NOT A TIME LIMIT WHEN BAD REMARKS COME OFF OF XXXX 'S CREDIT STATEMENT ...? LIKE AFTER 7 OR 10-YRS ....? BUT AGAIN, I DO NOT REMEMBER THIS SO-CALLED CELL PHONE BILL. Consent to publish the description of what happened? Consent provided What do you think would be a fair resolution to your issue? GET MY MONEY BACK, OR PROVE THAT NOT ENOUGH TIME HAS PASSED, THAT I HAVE TO PAY, ( IF I OWE THIS AT ALL ) ..???? PLEASE GIVE MY {$140.00}, & SEND ME A CHECK TO MY NEW HOME ADDRESS ( BELOW ). XXXX XXXX XXXX XXXX, XXXX XXXX THANKS, XXXX XXXX Information Edit this section Debt collection company XXXX Phone Number XXXX Supporting documents VA APPRAISAL $ XXXX ( XXXX ) XXXX ( XXXX )
06/06/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • PA
  • 175XX
Web
My wife and I bought our home XX/XX/XXXX at which time we paid {$170000.00} and it was appraised at {$220000.00}. With the equity in the home we knew we should be very close if not past the point to be able to have our PMI removed from the mortgage once we made our XXXX payment this past XXXX XXXX. I contacted the bank to get the process started and they denied me by stating that I would have to provide proof of substantial improvements in order to be considered before having made 2 years of payments. I submitted to them work orders and receipts of installing a brand new heat pump system into our home. The house previously only had base board electric heaters and central air. This new system comprised of removing the old A/C system and placing a new air handler and duct work that ran through the basement in order to maximize efficiency and has since decreased our annual electric usage by about XXXX % and saved us almost $ XXXX/year in electric. We spent near {$19000.00} for this system and I understand all that would n't equate into new value for the home but it would have to add some value and make it more attractive if we were to ever sell. We have also added a new door to the basement which was n't there, we have replaced 27 year old wooden windows with upgraded XXXX triple pane windows as well as many other various small improvements. The bank denied me submission stating there was no sufficient work done. I immediately appealed and told them I would take my business elsewhere and they quickly accepted my appeal for a re appraisal. I sent them a check for {$450.00} as requested to pay for an appraisal. The gentleman who came to our home was rude and made a joke of our home whenever I talked about things we had done. He acted like our brand new heat pump was junk and made fun of us for it. His appraisal came back at {$190000.00}. I immediately appealed the appraisal and stated to them since we bought our home the local property values have gone up and our county 's XXXX has changed from 1.26 to 1.29. Plus the major improvement of installing the heat pump it is n't logical for the value to go down, especially not by {$31000.00}!! I attached my original appraisal which has the sale comparisons and they returned my appeal and said it was n't valid because I did n't specify what updates have been done to be considered, which I have said 5 times through this process with them. Somebody has committed fraud against us, either the original appraiser in order to help the bank close on the property or the XXXX appraiser in order to make sure I ca n't get the PMI removed.
12/27/2015 Yes
  • Bank account or service
  • Other bank product/service
  • Making/receiving payments, sending money
  • MD
  • 21113
Web Older American
CLAIM AGAINST BB & T, WHICH THE CFPB REGULATES, FOR VIOLATION OF CONSUMER PROTECTION LAWS In XXXX 2014 ( my dispute with BB & T has gone on for months ), I called the Fraud Division of BB & T and reported criminal activity on my account. XXXX Sunday, I found myself locked out. I called the office of a company which purported to be in the locksmith business. I told the dispatcher that I needed to have my front door opened and a mailbox key made. He told me that the price for the work would be {$120.00}, which I agreed to pay. However, when the locksmith finished the job, he presented me an invoice for {$440.00} and threatened me physically if I did not sign the invoice. Under those frightening circumstances, I signed. I may have gotten a few facts wrong when I reported this incident in my initial letter to the bank, but I was so traumatized by these events that I had to process them with the help of a psychiatrist, and I shook each time I discussed them. A few days after the incident, I filed a report with the XXXX XXXX XXXX Police Department. XXXX XXXX took the report. During our discussion, he mentioned that the Department had received complaints from XXXX other individuals regarding a swarthy looking man who had done some locksmith work on their property and had threatened them physically into signing an invoice several times greater than the amount that they had agreed to pay.. Four or five months into this debate, BB & T insisted that I provide the bank with a copy of the police report. I went to the Police Department and requested a copy, but they could not find it in their files. The Department 's failure to produce the report was not terribly surprising to me since I had filed a prior complaint with the Department on a totally different issue and they could not find that report in their files either. I have exchanged several letter with BB & T 's Assistant General Counsel XXXX XXXX on this issue. She insists that I produce a copy of the police report before she would refund the {$310.00} that BB & T had deducted from my account. I have explained to her numerous times that I did not sign the invoice voluntarily but only because my life was threatened. I also told her that I refused to be penalized for the carelessness of the Police Department in maintaining its records. This is a case where a bank is oppressing a customer -- simply because they have the power, and the customer has no power. I hope that the CFPB can help me get my money back. Many thanks for your assistance. Sincerely XXXX XXXX XXXX XXXXXXXXXXXX Landline : XXXX Cell : XXXX
08/09/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • MD
  • 20785
Web
On XX/XX/2019 my vehicle was involved in an accident and was a total loss. My insurance company paid out the market value of my vehicle to Regional Acceptance Corporation ( RAC ), an affiliate of BB & T, which financed my vehicle. I also have GAP Coverage through XXXX XXXX which would take care of the remaining balance on the vehicle. I initially sent RAC a Lienholder/Lessor report of total loss on XX/XX/19, that they were to complete and return to XXXX XXXX so they could process and pay out on the claim. They failed to return the form. I placed multiple phone calls to RAC to see what the hold up was from XX/XX/XXXX through XX/XX/XXXX. Nobody was able to give me an answer. I left multiple messages and emails for the claims department, and never received a return call or email. On XX/XX/2019 I received a letter form XXXX XXXX indicating they still had not received the requested information from RAC, and they would close and deny the claim after 30 days from the date on the letter. I again reached out to RAC via email and phone to address the situation, and resubmitted the form again for them to complete. After the threat of non-payment one of the reps sent a priority email to someone in upper management, and they finally filled out and completed the form at the end of XX/XX/XXXX. The last step is RAC notifying XXXX XXXX that the warranty on my car was refunded, which they have yet to do. At this point, XXXX as denied the claim, but indicated that they would re-open and pay the claim once they receive this verification. During this time RAC continued to bill me for the remaining balance and in XX/XX/XXXX reported to the Credit Bureaus that I had not made any payments. I discussed the situation may times with them, indicating that the balance would have been paid and taken care of by XXXX XXXX, but has not been due to their own negligence and lack of timeliness. I simply asked that they put a hold or pause on the account until it is settled. They know I have the GAP coverage and that they will be paid, and any difference I would settle with them. Before this I had no missed payments with RAC. The only reason this has gone on as long as it has, is because they didn't do what they were supposed to on their end. This has been going on sinceXX/XX/XXXX of this year, and its almost XX/XX/XXXX. The process normally takes less than 30 days. However, their reporting has had a severe and negative effect on my credit score and my ability to obtain financing currently and in the future. I am attaching the correspondence I had with RAC and documentation from XXXX XXXX.
07/14/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CT
  • 066XX
Web
I leased a XXXX XXXX in XX/XX/XXXX at XXXX XXXX XXXX with XXXX XXXX as the loan company. Payments were made on time and did not have any issues with them for the duration of the lease. I decided to upgrade my vehicle in XX/XX/XXXX with XXXX XXXX XXXX because they offered to pay over mileage, the 2 remaining payments and the disposition fee which totaled {$1800.00}. XXXX had someone come to pick up the rouge about a week later. In XXXX I received a bill for {$1000.00}. I called and spoke to a representative to let them know I was responsible for {$580.00} which was the car tax that I know I owed to them. Also, that there was no way there was {$480.00} worth of damage on the vehicle as there was only minor wear and tear. The representative tried to offer me a discounted rate of {$820.00} which I declined because I did not owe them that much money. In XXXX I found out that the payment that the dealer sent was misapplied and they would not apply it correctly. I then reached out to the better business bureau because I was being treated unfairly. I realized that XXXX XXXX is known for overcharging and treating customer horribly at the end of their leases. The car dealership even told me they stopped doing business with them because there is always end of lease issues with XXXX and it has caused them to lose customers. I was dealing with the better business bureau to try to get this situation handled and i noticed that XXXX started reporting me late on my lease even though i have always paid my lease on time. The lease was up in XXXX and they reported me as late in XXXX, XXXX and XXXX and my credit took a 50 point dip. Working the the XXXX a XXXX representative offered a settlement of {$200.00} and if I paid it that the negative items would be removed from my credit report. So, even though i did not feel that I owed them that much money I paid it so that my credit could be restored. About a month later I noticed my credit score had not changed, so I emailed the representative to ask her when the negative items would be taken off my credit report and found out that they cashed the check but had not applied the payment. They then applied the payment to my account and my file was updated not paid in full and still had collections on it. I disputed the file about 4 times and not it shows that i have 2 accounts with XXXX, one that shows that the lease was paid on time from XX/XX/XXXX-XX/XX/XXXX and another that shows paid, was a charge off and is negative XXXX, XXXX and XXXX. So my credit is still jacked up and XXXX did not live up to their part of the deal.
03/22/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • KY
  • 420XX
Web
IN XX/XX/XXXX I bought an ATV, was offered Zero % Interest due to my nearly perfect Credit Score. I accepted that offer from XXXX XXXX XXXX, and the payments were billed by an internet service, XXXX, directly to my XXXX XXXX, which is paid in full every month thru direct debit to my checking account. Never an issue. In XX/XX/XXXX I received a collection call on a Saturday from XXXX asking when I intended to make the past due payments on my account? I was floored, because I had never made a payment, they were drafted automatically monthly ... at least from XX/XX/XXXX to XX/XX/XXXX. I questioned the caller quite a bit, as I was completely unaware of the past due status ... after some time the Customer Service Specialist II, said " You know I remember something like this with another caller a few months ago, can you please hold '' She returned with the name XXXX, the internet service that was actually taking my payment and processing it to XXXX. I searched my email for anything from XXXX to find contact information, and I did find an email dated XXXX thanking me for the payment..nothing further ... .after I inquired why they stopped making the payments I was informed of a huge data breech they experienced and that they had suspended all operations. That an email was sent to all users in XX/XX/XXXX notifying users that the service was terminating..well that's great if you get the email ... after several back and forth conversations, sending all the documents I was able to gather, hoping BBT ( XXXX ) would retract the past due report to Credit Bureaus, due the obvious and previous experienced issue with XXXX ... XXXX staed that they offer no 'Good Will '' Adjustments to items reported to the 3 major Credit Bureaus ... .This couldn't be clearer, it was NOT my mistake, yet my credit report has taken a significant hit because of the 60 days past due report. XXXX has offered via email to join in a call with XXXX to help support my request for a retraction, admitting that the email they " Sent '' to me was NEVER OPENED, no record that it was ever delivered ... ..spam filter, whatever ... ..and that they were sorry for the problems this has caused. This was a failure of the XXXX system, and for the error to cause negative rating to my credit, again nearly perfect for 25 years..is very disturbing ... and doesn't in any way reflect my personal credit responsibility and awareness. Only when I saw the FICO score drop in a monthly statement, did I become alarmed ... ..now 2 weeks into this I'm no better off than when I started this dispute. Please help!
08/02/2018 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • FL
  • 334XX
Web
Between XX/XX/2018 and XX/XX/2018, BB & T Bank has charged me {$210.00} in erroneous and excessive overdraft fees which has caused my account to have a severely high overdraft amount. On XX/XX/2018, BB & T Bank charged me {$72.00} in over draft fees, on XX/XX/2018, BB & T Bank charged me {$36.00} in overdraft fees, and on XX/XX/2018, BB & T Bank charged me {$100.00} in overdraft fees. I called BB & T bank 's customer service line on XX/XX/2018. I told them that I wanted to dispute a transaction that took place on XX/XX/2018 on my account with XXXX XXXX who erroneously charged {$130.00} on my account. The BB & T customer service agent told me to dispute the transaction with XXXX XXXX and wouldn't let me dispute it with BB & T. I told the customer service agent that BB & T as a result of this XXXX XXXX XXXX BB & T Bank is continuing to charge me overdraft fees. The BB & T customer service agent told me that BB & T would reverse the overdraft fees if the transaction is reversed. I expressed my concern that BB & T is continuing to excessively charge me overdraft fees on my account, the BB & T agent didn't care. I also told the agent during the XX/XX/2018 phone call that I wanted to dispute a transaction that was taking place on XX/XX/2018, for {$66.00} with XXXX XXXX, the BB & T agent told me that I had to wait until the transaction has gone through and it's no longer in pending status, I again expressed my concern regarding the overdraft fees, and the BB & T agent didn't care. I also told the agent during the XX/XX/2018 phone call that I wanted to dispute a transaction that was taking place on XX/XX/2018, for {$19.00} with XXXX, the BB & T agent told me that I had to wait until the transaction has gone through and it's no longer in pending status, I again expressed my concern regarding the overdraft fees, and the BB & T agent didn't care. I again called BB & T on XX/XX/2018 regarding the XXXX XXXX transaction that took place on XX/XX/2018, because BB & T was continuing to charge me overdraft fees on my account. The BB & T agent didn't care again that BB & T Bank was charging me excessive overdraft fees. BB & T Bank is abusively charging my account overdraft fees. I called BB & T Bank customer service while the overdraft fees were being assessed on my account because I had disputes on transactions that had gone through, and the BB & T Bank customer service agents didn't care. BB & T charged my account {$210.00} in abusive and erroneous overdraft fees between XX/XX/2018 and XX/XX/2018 which is causing my account to be severely overdrawn.
05/13/2016 Yes
  • Mortgage
  • Home equity loan or line of credit
  • Loan modification,collection,foreclosure
  • VA
  • XXXXX
Web
For nearly 8 years, I worked for Branch Banking and Trust Company, who held the XXXX Mortgage, and a XXXX lien ( Equity Line of Credit ) on my primary residence home. I quit my job with BB & T in XXXX XXXX, and became unable to afford making further payments on the loans. I was divorced from my ex-spouse in XXXX XXXX, and my ex-spouse did not offer any assistance in repaying the loans or settling the outstanding debts. I requested as part of our divorce proceeding that my ex-spouse agree to allow me to market and sell the home ( she moved out in XXXX XXXX ), but she refused to authorize the listing of the home with a Realtor, and she never signed a Separation Agreement. I became delinquent. and then defaulted on the XXXX Mortgage, and the Line of Credit. I agreed to deed the house back to BB & T in a Deed in Lieu of Foreclosure transaction, and the deed in lieu was completed in XXXX XXXX. The bank purchased the house for {$430000.00}, and applied the proceeds toward satisfaction of the XXXX Mortgage, which had a balance of {$380000.00}. BB & T sold the home about two months later for {$450000.00}. I believe that BB & T converted the surplus proceeds from the Deed in Lieu to its own use. Nothing I signed contained a waiver of surplus proceeds, and I never agreed to release any claims on the surplus -- I was assured by an Officer of BB & T that the Line of Credit had been charged off due to " lack of equity and accounting standards '' in XXXX XXXX, and the bank officer assured me that the Deed in Lieu of Foreclosure did not need to reference the Line of Credit to insure that the proceeds from the house would satisfy all my accounts at the bank, including the XXXX Mortgage, and the Line of Credit. On XXXX XXXX, XXXX, I was served with a lawsuit brought by BB & T on the Line of Credit loan stating that the full amount {$92000.00} was in default and due. But with the credits that should have been applied to my account from the Deed in Lieu of foreclosure, the actual outstanding amount is no more than {$32000.00}, and if the profit from the sale of my home ( an additional {$15000.00}! ) been applied to my account, I would owe no more than {$18000.00}. I believe that I was defrauded by BB & T and its officers in the conduct of the Deed in Lieu of Foreclosure transaction, and that I have been damaged by BB & T 's conduct. I do not owe BB & T {$92000.00}, yet they are seeking the full amount from me. I used to work as an attorney for BB & T, and I believe that BB & T is discriminating against me, as compared to similarly situated debtors.
05/19/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Closing on a mortgage
  • GA
  • 30033
Web
We applied for construction-to-permanent loan from BB & T bank in the beginning of XX/XX/XXXX. We were approved for the construction-to-permanent loan in the amount of {$680.00}. Based on agreement between BB & T and us, construction loan money will be transferred in increments, pending on completion of each step of the project to our checking account within BB & T bank. Money transfer should be upon our authorization, and from our BB & T checking account money were paid to the builder. Construction began in XX/XX/XXXX, and 98 % of house project was completed by XX/XX/XXXX, where {$630000.00} out of available {$680.00} were distributed properly based on our agreement. The person who was handling transfers from construction loan to checking account was XXXX XXXX, ( construction loan administrator ), contact number : ( XXXX ) XXXX - XXXX ; e-mail : XXXX XXXX XXXX, XXXX XXXX XXXX stopped transferring money from construction loan to our checking account, despite our multiple request. Nevertheless, she transferred money in nine increments in total amount of {$53000.00} in the period of two and half month, begging XX/XX/XXXX till XX/XX/XXXX to unauthorized account, without single conformation with us. Upon receiving in XX/XX/XXXX monthly construction billing statements, we have noticed few unauthorized draws in amount of {$30000.00}. Immediately we reached out to XXXX XXXX via e-mail and phone call, requesting explanation on suspicious, unauthorized draws, and asking to stop activities on our account. Despite multiple attempts to reach out to XXXX XXXX, XXXX XXXX ( loan officer originator ), and XXXX XXXX, ( construction loan administrator manager ) to resolve our situation, no one reached out to us. On the contrary, money from construction loan were continue to be transferred to unauthorized accounts without any of our knowledge, and by this time {$53000.00} are missing from our construction loan. We try to call, e-mail, and even went personally to the BB & T bank to resolve the situation, but no one could give us any explanation or answer. Because of inability to pay our current construction payments, construction is on hold, interested on unaccounted money has been accrue. We asking regulators on our behalf to reach out to BB & T and ask them to initiate investigation, also we would like BB & T to reach out to us in writing, informing us that investigation has been launched. In addition, BB & T needs to return improperly disbursed {$530000.00} to our BB & T checking account, so we can pay to our builder to complete the house.
12/18/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • KY
  • XXXXX
Web
I have filed numerous online disputes with each of the three ( 3 ) Creditor Reporting Agencies ( CRA ) in an attempt to correct errors, inaccuracies and/or incomplete information for my individual credit report issued by each of the CRAs. I have also contacted and communicated with each creditor identified herein in an attempt to resolve the noted issues. I have attached a 3-bureau credit report dated XX/XX/XXXX issued by XXXX for reference. Due to the breadth of my issues, I will identify the credit account via reference to the corresponding page number on said report. I will further indicate which CRA I feel is reporting incorrect, inaccurate and/or incomplete information for each identified item. Also attached are four ( 4 ) Advisory Opinions issued by the FTC that i feel are applicable to the items addressed below. On page 3, I have a list of five ( 5 ) negative accounts. Two ( 2 ) of those accounts ( XXXX/XXXX XXXX and XXXX XXXX ) had a {$0.00} balance and were always paid by the statement due date while they were open. As outlined in the FTC 's " Advisory Opinion to XXXX ( XX/XX/XXXX ) '', it is the FTC 's view that " it is not a reasonable procedure to label an account that has been discharged in bankruptcy as 'charged off as bad debt ' if the account was open and not charged off when the consumer filed bankruptcy. The FTC goes on to state " such a designation would be inaccurate or misleading, because it would indicate that the creditor had written off the account at the time of the bankruptcy when in fact it had not done so. '' This is certainly the case with the aforementioned accounts as there was no balance due on either account at the time of filing the Chapter XXXX bankruptcy so, as a result, there was no corresponding amount for the referenced creditors to right off. A third account identified as a negative account and charged off includes the BBT credit card that was a joint account. Although there was a balance due on this account at the time I filed bankruptcy, monthly payments continued to be made by the statement cut-off date both before and following discharge. The account is current as of XX/XX/XXXX and is absent any late payment during its lifetime. Just in the above referenced cases, the creditor in this case did not write-off the account at the time of bankruptcy and, consequently, the creditor 's reference to the account payment status being anything other than paid/paying as agreed is inaccurate, thereby rendering reference to the account as charged-off incorrect and inaccurate.
03/23/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • WV
  • 256XX
Web Servicemember
In XXXX XXXX, my XXXX XXXX XXXX was deemed a total loss by my insurance company ( XXXX ) after I hit a deer. The loan for my car was financed through BB & T and I also had GAP insurance ( XXXX ). XXXX insurance paid for everything except a remaining {$2800.00} on the loan. On XXXX XXXX, XXXX, I received a notice from BB & T stating that my vehicle loan, in it 's entirety was " Paid and Satisfied ''. The document was signed by " XXXX XXXX '' and dated XXXX/XXXX/XXXX. I immediately called BB & T and verified that no further action would be required from me regarding my account. A BB & T representative in the customer service department named " XXXX '' assured me that no further action was required. On XXXX XXXX, XXXX, I received a late notice for my account, stating that I owed BB & T my monthly payment of {$330.00} for the month of XXXX and that I had a late fee. I checked my BB & T account online and it stated that I still owed {$2800.00} as well as the additional late charge fees. I contacted " XXXX '' GAP insurance company and they stated that they were still finalizing my claim. I received a notice from GAP dated XXXX/XXXX/XXXX, stating that a check for {$2800.00} had been mailed to BB & T. I received another statement from BB & T on XXXX/XXXX/XXXX, stating that my account was still overdue and that I owed {$700.00} for the months of XXXX and XXXX. When I checked my online account, it still stated that I owed the {$2800.00}, plus additional fees. When I contacted BB & T, a representative of the total loss department informed me that they had received the check from XXXX GAP Insurance, but that the check would not be cashed until a thorough investigation had been completed regarding the " Paid and Satisfied '' statement mailed in XXXX. I have called on multiple occasions throughout the months of XXXX and XXXX and I receive the same answer. BBT representatives from the " Total Loss '' department state, " The case is being reviewed by upper management, whenever a solution for this situation is reached, we will call and advise you of the outcome ''. Whenever I ask to speak directly to management, I 'm always referred to the general customer support number for " Total Loss ''. In the meantime, I continue to receive notices that my account is overdue and that I am being charged late fees. I called again on XXXX/XXXX/XXXX and received the same answer. I contacted a representative with the West Virginia State Attorney General 's Office, " Banking and Finance '' division, who recommended filing a claim with the CFPB.
04/07/2018 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • VA
  • 22554
Web
We turned in a boat to BB & T in XX/XX/XXXX because we could no longer afford it due to my husband losing his job and having a rental property that had renters that would not pay their rent. I contacted the bank and told them of what we were going through and they said I could give back the boat and they would auction it off. However, the amount they are charging us is the full amount of the boat loan. We have paid {$500.00} per month for eight years and have paid more than {$48000.00} for a boat we have not had since XX/XX/XXXX. The collection company we have our payment set up through is XXXX XXXX XXXX and they originally set up our pay back in XX/XX/XXXX in the amount of {$64000.00}. They put a Judgement against us in XXXX for non payment. Again, my husband was laid off, we lost our house, yet we tried to keep making our payments on this boat but could not be consistent for a few months till my husband got another job. We once again signed another agreement to make payments and have been for over a year and yet the civil action is sitting on my credit report as if we have not been paying on time again for the past 12 months. I need this off my report since we are in good standing even though they are completely taking advantage of us and have ruined our lives with this outrageous payback for a boat they sold and I never got to see the amount they sold it for. Clearly they did not sell a {$100000.00} boat for {$20000.00} but no one will show me those figures. Please remove the Civil action from my credit report. I have called BB & T and spoke to three people in their collections/Recovery Department and they said they did not put this civil action on my report. I then spoke to three separate people, two being managers, at XXXX XXXX XXXX and they said they did not put this on my report. Someone put the civil action on my report and it needs to be removed since we are in good standing for over a year even with me losing everything to try and make good on this account. The last person I spoke to, XXXX XXXX, Supervisor, at XXXX XXXX XXXX, and said she would contact the attorny 's office at BB & T that I had spoken to and work through the situation and call me back. This was XX/XX/XXXX and after speaking to at least six people between the two companies and spending over two hours on the phone, I have not heard back from anyone nor has the problem been resolved. Please contact me at XXXX or XXXX to let me know this has been removed from my credit. Thank you. XXXX XXXX The account number with BB & T is XXXX
02/10/2020 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • MD
  • 20737
Web
I open 2 accounts with BB & T Bank recently. I have so many problems with my bank since I opened it. When I opened this bank, they blocked and told me to go to the bank to verify myself, which I did. I went to branch itself, take in my ids and passports in. A branch representative from the XXXX branch help me solved the issue. On Friday, I got a temporary debit card from the branch and was using it. The same weekend, I transferred {$500.00} from my XXXX bank to my bb & t checking account. This morning, my husband transfer {$100.00} from XXXX XXXX XXXX and {$100.00} and {$80.00} from XXXX XXXX to my account. I tried to used my temporary card with XXXX XXXX to send money to a friend of {$500.00}, but it reject it and I call the fraud the department, a lady told me to try again in 5 mins. I tried to use the card again after 5 mins, it declines again. So, I went online to my bb & t checking to do a XXXX transaction. Its didnt go through. That is when I call bb & t XXXX to see what going on. The rep told me they blocked my account again and she will have transferred me. So, I call the bb & t fraud take over department. So, to a rep name XXXX from the tier 3 level rep. He told me they closed the account and that bb & t does not want to do business with me. I told him what happened. He did not want to listen to me, he was so rude, and I asked to speak to another person above him. He said there was no body. I was so mad, he also told me I will not get my own money the {$1100.00} that I deposited. And they will send me a letter in the mail to tell me what to do. I kindly asked if I am going to get my money back. He does, maybe not. Well this is where I am extremely XXXX XXXX, first of all, it my money and not bb & t bank. If I dont get my money, I will be filing a police report representative XXXX tier 3 level rep. Bb & t has giving me XXXX ever since I opened this account. No other bank has giving me this money of problem. So I need my money, I need for bb & t bank to let me withdrawal my money from the bank. I need to speak to somebody, Date : XX/XX/2020 Amount : XXXX Note : I have receive letter from the bb & t fraud management department and call the department, XXXX told me I will not get my money, because I was doing back to back XXXX transactions. But it my money, unless you have written conditions that tells me why I should not XXXX back to back. Please refund my money. I dont know why it only poor people that you will hold there money, but rich people. You give them back there money. I need my money.
10/25/2016 Yes
  • Bank account or service
  • Other bank product/service
  • Account opening, closing, or management
  • PA
  • 191XX
Web
I paid off a LOC balance with BB & T XX/XX/2016. However, the bank made a serious error in calculating the correct payoff and did not close the LOC account as instructed. That triggered a series of issues with my checking account ; additional interest ; late fees ; harassing phone calls from various BB & T employees ; NSF fees ; and countless hours on my part to clear up the issue including writing a formal complaint to Chairman and CEO XXXX XXXX. BB & T admitted the errors in writing ( XXXX XXXX Complaint Resolution Group -XX/XX/2016 ). They also assured me in writing there would be no derogatory marks submitted to the credit agencies. Last week, I noticed my XXXX score went from XXXX to XXXX with the only credit factor being BB & T reporting a negative Payment History XX/XX/2016 on my LOC that was supposed to be closed! When I contacted BB & T 's complaint resolution group they admitted -in writing -that the initial resolution was not done properly and XXXX quote XXXX " ... we failed to update coding on our system to state the XX/XX/2016 bill was satisfied and to close the loan. '' They admitted to submitting a bad file to XXXX and then said it would take up to 60 days to correct my credit score. I asked them to escalate the resolution with XXXX and this was their response : " I spoke to our Credit Dispute department who is submitting the request to XXXX as bank error today. Again, as we have no control over when XXXX will do their processing, I recommend you contact them beginning tomorrow. XXXX can be reached at XXXX. '' They made XXXX significant mistakes ( XX/XX/XXXX and XX/XX/XXXX ) and then said I had to get personally involved to resolve the problem with the credit bureau that their company created. This is horrible customer service and a totally unacceptable response from my perspective. BB & T 's errors and lack of adequate Quality Assurance/Quality Control ( QA/QC ) processes to prevent such errors has caused severe personal harm to me since I 'm currently looking for a new home and plan to apply for a mortgage. I would expect a senior level XXXX at BB & T would work directly with XXXX ( and any other credit agency who might receive the bad file ) to resolve the error faster than 60 days. My complaint : BB & T has damaged my credit score ; admitted they made numerous mistakes ; and then told me it 's my problem -- not theirs. Their errors and mistakes have placed me in a position where I will need to stop my search for a new home because of a low credit score. That is simply wrong.
09/20/2018 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • NC
  • 28205
Web
I went to do a withdrawal at local branch of BB & T on XXXX XXXX in XXXX, NC on Friday afternoon XX/XX/2018 XXXX for {$2400.00} and asked XXXX XXXX ( XXXX ) her to round up to XXXX. She then gave me a slip for XXXX which I signed and told her it was not correct, round up to XXXX so she did another withdrawal slip for me to sign. I asked for 2 separate envelopes, place XXXX in one and the balance in the other. I did not count the money as I left due to having a bad headache and went directly home where I live with my 2 sons and went to bed with my purse on the chair in my bedroom. Upon awakening, I called the boys into my room to talk and reminded them a person was coming for $ that I owed and removed the envelopes from my purse. I gave each XXXX of them an envelope to count. The first envelope of XXXX consisted of XXXX {$100.00} dollar bills. The other envelope had all XXXX, a XXXX and a XXXX and the amount was only XXXX. The bank shorted me {$1000.00}. I got dressed and took my XXXX year old son to the bank at XXXX. I explained what happened to the manager, XXXX XXXX, who eventually reconciled the draw and I was told nothing was amiss. I expressed my concern and need for further answers as the money never left my purse or envelope and I had gone directly home. She told me I would unfortunately not get an answer as the hurricane was coming to NC and compliance officer was unavailable until the next Monday and gave me her card. I called Monday by XXXX and left her a VM. I then went into the branch shortly after XXXX the same day to inquire and was told someone was likely coming the next day after XXXX to audit. I received a VM from the manager Tuesday stating she was calling but no further info. I called back and left another VM at XXXX. she called Wednesday around XXXX telling me her drawer was counted 3 times, no discrepancy and was given a phone number to call that was the XXXX complaint line. I called and it said the number was not valid. I called the manager again and was given a different number which I proceeded to call at XXXX and was on hold ~18 minutes from my cell phone. I called the manager after 16 minutes from a land line with my cell phone on speaker. While she was listening, the call went from recordings to a busy signal and the call was disconnected. The manager assured me she had spoken to someone and that she would try to send an email and call them back for me. To date at XXXX on XX/XX/18, I have not received any correspondence from BB & T regarding this matter.
12/12/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem while selling or giving up the vehicle
  • TX
  • 75078
Web
I am a victim of fraud theft. I sold my ATV that was financed by Sheffield to an individual who led me to believe his bank was handling the payoff of my loan. However, in the end, he called into the phone bill pay system, entered false information and was able to show the loan as paid in full. The unit was delivered to the individual and 7 days later his funds returned as insufficient. My complaint is three-fold. 1. The phone system should require more identification and verification for someone to pay against a loan. All it asks for is the account number. The account number is easy to obtain and seems like a valid piece of information a bank might need to pay off a loan. No other information is required to make a phone payment so there is no way to know who is paying the loan or if they have authority to access loan details. 2. The phone bill pay system does not verify the checking account number, therefore, the system automatically assumes the account is funded and applies the "payment" to the loan immediately. 3. The funds for an ACH payment should not apply to the balance of the loan until the funds have cleared. The payment should show pending until the funding is verified. For this reason alone, I trusted the loan was paid in full because both the phone system and the online information showed a $XXXX balance. Had it shown as "pending", I would not have given possession of the ATV until the funds were appropriately verified and applied to the loan.I spoke to Sheffield and they told me it was my fault for giving him my account number and all I could do was file a police report, but I am still responsible to pay off the loan. I understand my mistake now in giving my account number, but I honestly would have thought a financial institution would have higher standards and safeguards in place to prevent this type of fraud. If the system required verification of last four of social etc., not just anyone could falsely pay toward a loan. Also, if the system would have verified the checking account number with a check system, the payment would have been rejected at the beginning. Lastly, if the system would not have shown paid until the funds were verified and received, the loan would not have appeared as a $XXXX balance and no action would have occurred with giving the theft possession of the vehicle. I believe the financial institution has the responsibility to right this wrong and not hold the account holder accountable for the loan given all the holes in their system.
12/17/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • MD
  • 21740
Web Older American, Servicemember
On XX/XX/2018, I received a letter from XXXX XXXX XXXX stating I was the winner of the {>= $1,000,000} grand prize. I called the number on the letter and they asked me how I wanted to collect my winnings. If I wanted it to be kept quiet, without a lot of fanfare, I would have to give them a cashiers check to cover taxes before I could collect the money. They said they would deposit the money into my account and deduct from my winnings and I could take my cashiers check to the bank they indicated. They also told me I would have to get a debit card for the account, which I did and provided that information to them They told me I would have to keep everything very quiet and to not tell anyone that I had won. They then proceeded to collect my personal information from me, they said, to prove I was the correct person. I was a little worried, but when I went to the bank to get the cashiers check, I had them check my balance and it was up by the {$2800.00} amount they said they would deposit for me. I then believed everything was legitimate because they had put the money in as promised. So I took my check and drove to the next town where there was a XXXX XXXX XXXX bank and deposited that check as directed. I was in the process of having to pay the second larger amount for taxes, when I let some of my family know that I had won. They immediately became concerned this was a scam and had me call my bank. My bank confirmed it was a scam and that the {$2800.00} had actually been transferred out of my money market account. Luckily, they were able to stop payment on the larger check that I was getting ready to pay them for taxes. My complaint is that the bank should have verified with me before transferring money from my money market account to my checking, none of which I authorized. I never use on-line banking and have been a customer for many years. I never had a debit card prior to this situation, due to the different account activity, that was very different from my usual activity, I feel they should have contacted me to verify it was legitimate. I am asking to have the {$2800.00} reimbursed to me, as it was taken out fraudulently and without my consent. I unknowingly gave them the information they needed to access my information on-line. I did contact the bank and filed a claim, which was denied, so I am now reaching out to you to see if you can help me resolve this issue. I have also filed a complaint and provided all of the information to the local police department.
10/18/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • AL
  • 36605
Web
On XX/XX/2019 I opened a account with BB & T bank. I transferred XXXX dollars to open my account. On XX/XX/2019 the funds were transferred from my third party bank and no longer available in my balance. I logged into BB & T and noticed the funds were posted however they were placed on a administrative hold by an unknown person at BB & T. I called several numbers online which was a dead end and only being automated. I frankly called the branch and explained to a representative what was going on she pulled up the account and her response was oh its a new account and thats not good enough for me! I explained to her I have several friends who recently within the past few days opened accounts all being over 100 dollars and they money was made available immediately. She then repeated the exact same time she said the first time which made me feel as she just simply didnt give a dam because it wasnt her money or her problems. I explained to her I have a bill that has to be paid and cant nobody hold my money like that for a whole week period because if I dont pay my bill I face a late fee or services being disconnected depending on how the company feels at that time and thats not fair because the bank dont have to pay it I DO not all of us are doing fraud or a scheme and I shouldnt be treated as I am. I live near several braces hes here and had I known they were holding my money for a week I wouldve just took cash into the branch instead of being treated like a thief and them using discretion and being bias because I strongly feel if I was white when I made that phone call her tone wouldve never changed and she wouldve personally removed that hold. I have a college education and the way that lady talked to me I started to curse her out but I chose to ask for a manager only to be transferred to an answering machine and this was at XXXX. Its not XXXX. And I still havent heard a thing or have a message for a return call which is very unfair because when u go to the branch they all be laughing eating fruit bowls and keeping up office mess. They dont be doing nothing. 30 minutes ago at XXXX I logged into the app and called a branch that was listed only to be sent to voice mail and still havent received a call back. I cant afford to pay fees to a company because an individual decides to put a unnecessary hold on my account when I can easily prove 5e funds are no longer in my account and I know for a fact they have ways to verify it and they do have the funds.
01/26/2017 Yes
  • Bank account or service
  • Checking account
  • Making/receiving payments, sending money
  • FL
  • 33172
Web
I live in XXXX Florida State and I have not traveled ouf of the State in years. I use BB & T account only for saving money to pay my insurance and some other bills, so, I do not use it too often. When I went to look into the account because my insurance was approaching, I noticed an overdraft of more than $ XXXX. I called the bank and the rude guy said he can not do anything neither cancel the account or do anything about it, so, I had to XXXX a branch near me and I went same day, XXXX XXXX, to the XXXX XXXX branch and a really nice rep, XXXX XXXX, checked and found out somebody deposited on XXXX XXXX, 2017 a $ XXXX fake check and then somebody went same day to a Virginia office and withdraw a {$900.00}, so I filed with her the claim and closed that checking account and a savings account I had, and she opened new ones that day. Then, XXXX called me on XXXX XXXX saying my savings account had an overdraft because somebody in XXXX different cities of New Jersey cashed XXXX checks on XXXX XXXX between XXXX and XXXX ; each withdraw of more of $ XXXX because the system showed the original fake check deposit as funds in the account. First of all, it is unbelievable that in this time, were all is about technology, a check does not get cleared within 24hrs, also, unbelievable, that the security in BB & T bank is so bad, that they just cashed the money in another State without confirming via phone if it was me who was out of my own State. And worse, BB & T Branch team leader, XXXX XXXX, asking if I was sure I did n't traveled to VA and NJ and also said I have to wait until XXXX to get my {$1900.00} back ; that it is what I had in both accounts. This amount might be too little for BB & T, but to tell me that because in small towns the fraud reports are less than in XXXX, the cashiers of BB & T bank does not have the same protocols, is outrageous. Who is going to respond for my late fees/interest of the payments I have to do with that money?, who is going to pay for the gas, the parking and the time I did not get paid in my job because I had to deal with the incompetence, insecurity and lack of protocols of BB & T bank? This is a joke. XXXX was the only one nice enough to provide information and communicate with her manager, the fraud department and the branch " team leader '' ( XXXX XXXX ) but none of them was Professional enough to give me their face and try to solve my cash flow problem because of BB & T thieves. I filed a Police report in XXXX XXXX.
05/29/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • AZ
  • XXXXX
Web
I have been trying to find help with a situation that affects me and many others ( per posting on the web ) I am beginning to feel that if the business practices I will describe we was directed to one of the big banks, I would be getting all the help I need as there would be big media attention, etc. BB & T is a good size XXXX XXXX. I really wish someone would contact me by phone so I could explain in a more understandable manner but I will do my best nonetheless. I am basing my complaint on what I believe is an accurate legal description of fraud ( A statement need not be affirmative to be fraudulent. When a person has a duty to speak, silence may be treated as a false statement. This can arise if a party who has knowledge of a fact fails to disclose it to another party who is justified in assuming its nonexistence. ). SUMMARY : In three full years since I took out an auto loan with XXXX XXXX XXXX ( XXXX ), I have made a total of {$13000.00} worth of payments and yet my balance has only decreased {$840.00}. WHAT IS THE CAUSE? If someone is behind on their payments, XXXX will solicit one to accept a payment deferment. They explain the payment will be tacked on to the end of the loan. The result is that the deferred payments continue to accrue interest. The result of this, which is NOT explained, is that there is virtually no chance of a consumer ever paying their car off unless they are able to come up with a huge lump sum payment. This leaves the consumer extorted, either borrow more money to pay off the car or have your credit ruined. I OTHER INFO : There are multiple complaints against XXXX online from consumers experiencing the exact same scenario I find myself in. I ONLY find this situation with XXXX. In addition, two of XXXX 's phone representatives have told me this is a systemic issue with XXXX and that they don't care because it makes them the majority of their profit. This may explain why they are so anxious to push loan extensions on consumers. XXXX 's disclosures not go into more detail than they did when I did my early loan extensions. Even so, they STILL do not adequately advise consumers that they likely will not be able to ever pay off thier automobile, especially if they have more than one extension. CC : Office of United States Senator XXXX XXXX, The Office of US Representative XXXX XXXX, The North Carolina Department of Justice Office of the Attorney General and the Consumer Protection Financial Bureau.
08/28/2017 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • SC
  • 29072
Web
I have a long history fighting my bank ( BBT ) trying to OPT OUT of overdraft fees. In fact, previously, I could 've ( and should 've ) filed prior complaints regarding their irresponsible actions. But I let it slide each time because the fees were n't excessively crushing and they promised me the mistake would n't happen again. Today that changes. I called in early XX/XX/XXXX of this year ( did n't record the exact date, but they have the date in their system ) and pleaded with them to opt me out of overdraft fees. I called the BBT branch located in XXXX on XXXX XXXX XXXX and spoke with XXXX XXXX, I believe ( XXXX ). She told me that she was n't allowed to opt me out of overdrafts with her over the phone, BUT she told me she would make an exception for me and that she would opt me out over the phone. She said that all I had to do was " come into the office sometime in the future and sign a paper ''. Fast forward to XX/XX/XXXX and XX/XX/XXXX and I find out I was charged for {$210.00} in overdraft fees, resulting from XXXX purchase ( XXXX subscription {$14.00} ) which caused my account to go to - {$5.00} ( approximately ). I was charged {$210.00} for this overdraft, even though BBT policy states {$36.00} per purchase going into the negative. I went to the XXXX branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX and spoke to XXXX XXXX ( I had lost all faith in the bankers located at the XXXX address ). I described to him this entire situation and he looked up my records in his computer. He read out to me the following statement from the records he had regarding me and the phone call I had with XXXX XXXX : " Client was told he was opted out ''. XXXX XXXX had proof right there in his system that I had been told I was opted out, even though it obviously was n't true due to my {$210.00} in overdraft charges. He still did n't provide me with a refund, and he told me he had to forward this information to his " back office located in XXXX ''. This meeting with XXXX XXXX took place XX/XX/XXXX at approximately XXXX. I received an email from XXXX XXXX on XX/XX/XXXX " Hey XXXX, sorry for the late response. Regretfully it was deemed by the back office not a bank error. They said they spoke with the manager of the XXXX branch and that they said you were told on a number of occasions that you would have to go into a branch or ATM in order to Opt Out. I am sorry. If you would like that manager 's name I would be happy to get it for you. ''
12/10/2015 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • NY
  • 117XX
Web
Recently, I accompanied my mother to a local dealer to purchase a snowblower. The cost was {$790.00} + tax. During the transaction, my mother, who is a senior citizen on a fixed income, asked if the dealer offered free or low-interest financing. We were told we could get the snowblower financed for 18 months at zero interest. We agreed, and the dealer proceeded with the transaction. My mother and I both have excellent credit. Prior to closing the transaction, the dealer informed us that the finance company, XXXX, is charging an additional {$50.00} fee for the financing. We were not provided with another alternative to finance the machine but felt the price of the unit was good, so we signed the paperwork with the dealer. We realized a few days later that this was a mistake. In the meantime, the snowblower had been delivered. I contacted XXXX and spoke with a representative, inquiring if the {$50.00} fee could be waived or reduced. The representative told me that they do not do that. I then asked if the financing could be cancelled and was told that the dealer, who had already been paid by XXXX, could return the funds. I then contacted the dealer and asked if he would reverse the payment from XXXX, and I would pay him outright on my mother 's behalf, and then she could pay me back over time ( which is what we should have done in the first place ). The dealer told me that he would need to contact XXXX to see what procedure he would need to follow to return the funds. Upon subsequent follow-up with the dealer, he told me that XXXX told him that the transaction could not be reversed, which is not what the XXXX representative had told me. So who to believe? Now it seems that we are stuck with the {$50.00} fee. I realize that, by signing the paperwork to initiate the financing, we do n't have much recourse on getting the {$50.00} back. My complaint, though, is that for an {$800.00} purchase, a {$50.00} " document prep fee '' ( what XXXX is calling it ) is too much. The customer is enticed with the offer of zero percent financing for 18 months, but it 's not zero percent. On an {$800.00} purchase, {$50.00} is actually 4 % annually, no matter what they call it. I believe that this practice is deceptive. Finance companies should charge a stated percentage of the total cost ( 1 %, 2 %, etc ), explicitly stated to the consumer and not say that it is 0 %, get the customer excited and then say, " but you have to pay a fee. ''
01/11/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • AL
  • 35209
Web
The complete an utter failure of this banking institution has caused me to almost lose the house I was trying to buy. The lack of communication between the customer ( me ) and the lender ( BB & T ) was disgraceful, unprofessional, and tiresome. The inner workings of the employees of this institution are not at a professional level and no one was eager to help or answer questions related to the loan itself. Here is 2 different timelines from myself and my realtor about what happened : XXXX XXXX - purchase contract sent to XXXX XXXX @ BB & T XXXX XXXX - first response from BB & T and confirmation of receipt of contract XXXX XXXX - emailed BB & T for an update, no response XXXX XXXX - emailed BB & T for an update, no response XXXX XXXX - emailed BB & T for update, received response with notification we will not be closing on time XXXX XXXX - the contract closing date. As of today we are still unaware of the loan status and I have not been notified from anyone at BB & T with an updated closing date. XXXX/XXXX/XXXX -- -XXXX received prequal application after filling out application XXXX/XXXX/XXXX -- -I called XXXX several times between XXXX and XXXX to find out about the application. After several calls I never heard from XXXX so I reached out to my friend to find out an update from him ( This friend recommended XXXX to me, very highly ). Then I got an email from my friend with the prequal approval attached and not from XXXX. WHICH SHOULD HAVE BEEN A HUGE RED FLAG. XXXX/XXXX/XXXX -- -Received loan disclosure package and reviewed and signed all documents and paid all fees that day Between XXXX there has been a giant lack of communication between XXXX and myself and my realtor XXXX. I would say countless phone calls from myself and XXXX along with many emails from XXXX and myself as well went unanswered for days if not weeks. Until finally it got into XXXX XXXX hands on XXXX/XXXX/XXXX. She was I guess more helpful than XXXX and I continued giving more paperwork regarding my application that the underwriter needed in my case. At this point in time we still do not have a definite date of closing from XXXX or XXXX and I am asking that this loan be pushed through or an explanation of why the ball was dropped on this whole case. I would also like for BB & T to not charge me the fees associated with the origination of this loan BC I do n't think you have earned it, or a 1 % drop in my loan whichever is greater.
09/14/2015 Yes
  • Mortgage
  • Other mortgage
  • Application, originator, mortgage broker
  • NC
  • XXXXX
Web
This message is a follow up to complaint # XXXX with the intent of modifying the " desired resolution ''. To recap the issue, my wife and I applied for a construction loan with BB & T bank in North Carolina. We spoke with the mortgage loan officer on XX/XX/2015, clarified our need for a construction loan for XXXX the cost of construction. We submitted all documents on XX/XX/XXXX requested from BB & T in their letter of XX/XX/2015. We were told by our loan officer that the loan would be processed in one week. I stated clearly that if there was any chance that the loan would not be approved, I did not want to go through with the appraisal at a cost of {$430.00}. I was assured that if the appraisal was ordered, our loan would be approved. There was not one representation made by BB & T that held true. They lied about the appraisal, they lied about the passive income limits from our retirement accounts, they lied about the loan to value ratio requirements, they lied about not having received documentation from us, and they lied about closing dates. We continued to be strung along by this group of unprofessionals for XXXX months with excuses about the underwriters and the loan processors " not communicating ''. We then reached our planned spending limit of XXXX the construction cost from our savings with new promises of closing on XXXX XXXX, 2015. XXXX days after being told the closing needed rescheduling, we were told that due to time limits on documentation, we would need to resubmit financial statements. This tactic occurred XXXX times. My wife and I finally decided to drop our efforts to close the loan one day after filing our previous complaint to this agency. That day, I spoke with XXXX XXXX, XXXX Manager, and had the same false assurances repeated that had been made by XXXX of her XXXX underlings. Once again we were told that financial documents previously submitted to the bank, would need to be submitted. At this point I realized that our efforts were in vain. I have been in and around the construction industry for XXXX years and have worked with at least XXXX other financial institutions with construction loans for projects/homes I have constructed ( all successfully ) and I have never seen anything like the incompetence and outright misrepresentation of the truth as exhibited by the entire chain of command at BB & T. I strongly urge anyone considering a construction loan to look elsewhere.
09/16/2016 Yes
  • Credit card
  • Rewards
  • TN
  • 37167
Web
Hello, I recently noticed my BB & T Spectrum rewards credit card was no longer working despite having available credit. I reached out to BB & T ( they did not make any effort to call me before placing a block on my card which I use every day ) to see what the problem was. I spoke with someone in Risk Management who informed me my account was under " investigation '' due to my high spending. The card was in good standing with no late payments. A few days after that, with no further contact from BB & T, my credit card was removed from my online account and I now assume it to be closed completely. I support BB & T 's right to close my account, but as of now the rewards that I had earned on the card are not available to be redeemed. It is clear to me that the primary reason they closed my account was due to me earning too many rewards. However, all of my earnings were in accordance with the terms and conditions ( see here XXXX ). BB & T never once attempted to keep my account open by asking for verification of income or source of funds documents. They simply wanted to prevent me from carrying out the rest of my bonus spending. I would request that I receive the rewards I was not able to redeem, as well as my " XXXX % anniversary bonus '' ( see below ) From the terms and conditions - 30 % anniversary bonus on Annual Earn when total annual purchases are greater than or equal to {$50000.00} A XXXX percent ( XXXX % ) anniversary bonus may be earned each year after the Member 's Anniversary Date if the Member has made total annual net qualifying purchases of greater than or equal to {$50000.00} during the Anniversary Year. Please allow up to ninety ( 90 ) days after the Anniversary Date for the anniversary bonus rewards to be applied to Member 's rewards balance. As you see above, there is a XXXX % anniversary bonus on rewards after reaching the threshold of {$50000.00} spending. Since I reached this threshold and then was closed, BB & T is preventing me from reaching my anniversary, where under their terms I would be rewarded the XXXX % bonus. What is stopping them from just closing all cardholders at 9 or 10 months so no one is able to receive the bonus? BB & T has effectively made a credit card product that encourages higher than normal spending levels, but then punishes consumers by closing accounts no questions asked prior to being able to receive the bonus for reaching said spending levels.
03/08/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • FL
  • 32901
Web
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX v.XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XX/XX/XXXX.. Copy of the original signed loan agreement or credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. At this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureau ( XXXX, XXXX or XXXX ) this action might constitute fraudunder both Federal and State Laws. Due to this fact, if any negative mark is found on any of my creditreports by your company or the company that you represent XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
06/06/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • VA
  • 230XX
Web
This is a response to the rebuttal that I received from BBT Senior Vice President, XXXX XXXX XXXX Complaint Resolution Manager. I had previously disputed the unfair and deceptive business practices of BBT. XXXX XXXX said they uploaded the document of Notice of Incompleteness Letter, was uploaded to your online portal on XXXX XXXX 2017, at XXXX. I logged in many times after that date and did not see this letter uploaded to my online portal. Also when they so called uploaded the document what was done to notify me of the letter being uploaded to the online portal? I have emails that documents were available for my appraisal that were sent to my email from XXXX XXXX that were sent to my email address but those are the only notification. My loan officer XXXX XXXX was not even made aware of this notice of incompleteness letter. She extended my rate lock to XX/XX/XXXX and I have uploaded that form in a previous email. I was told if I had any concerns from the letter XXXX XXXX sent to call XXXX XXXX at XXXX. Her office hours are Monday through Friday, XXXX XXXX - XXXX XXXX ( ET ). I called and left a message and no response. All of the information BBT has supplied to me does not make sense. If they had the concerns why not call and discuss, I spoke with XXXX XXXX on the phone on X/XX/17 after I had retained an attorney to clear the title issue. I will pursue legal action now. I want to be reimbursed all cost incurred from this failed loan attempt starting with Appraisal fees, credit report fees and difference in interest rate and finance charges. BBT has done nothing but provide false information to CFPB. These documents were not uploaded to the online portal or I would have seen them. I pretty much was logging in everyday. BBT IT systems may not be compliant with current regulation since they say they were uploaded but I could not see them. This process has been a nightmare. I keep filing these disputes since the CFPB looks at trends. Also, the day they canceled my loan all my online documents were no longer visible. This in itself is deceptive since it is information that I have provided and contracts with BBT. Is this a normal business practice or is BBT Mortgage trying to cover something up? I believe BBT was trying to get out of financing a 15 year fixed mortgage at 2.875 fixed for 15 years since the rates have gone up after the election and I could not get that rate anywhere else.
03/06/2018 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Can't stop withdrawals from your account
  • VA
  • 242XX
Web
My name is XXXX XXXX XXXX. On XX/XX/XXXX my wife made a computer entry error, while making our lowes credit card payment. The payment was supppsed to be for XXXX but she made a mistake and put XXXX. We did not realize this until the morning of XX/XX/XXXX. XXXX couldn't stop it because it wasnt in pending status so we moved on to the bank for help. What a joke. My only resolution was to take all my money out of my account and let it overdraft. Now we also made to correct payments after the lowes bill one for sales in the amount of XXXX and one to XXXX XXXX XXXX, in the amount of XXXX. Since XXXX was first it was going to hit first. So while our account is in negative we opted out for overdraft protection to try and fix this mess because that is what we were told to do by BBT. We have now accrued XXXX in fees that our bank just roughly said oh well, we don't care if you made a mistake or not. My wife and I have had to take longer lunches for this matter, call customer service on this matter and send a complaint to BBT, we haven't heard a response because their generetic turn around time is 36 hours. Very convient when we are talking about your hard earned money. I can undrrstand if we did this intentionally but we didn't it was a simple entry error. We have XXXX kids and this has put a financial burden on our finances. If we wouldnt have made this entry error we would be fine but since we did we are hurting. And you would think after banking with a bank over 16 years they would help. Poor customer service on their part. People makea mistake all the time we are human but when it comes to BBT all they want is your fees they don't care about your lively hood. We have got a reversal payment from lowes in the amount of XXXX that was delivered by fed ex today. We had XXXX from XXXX Virginia branch to fax a letter for lowes in order to get refund. We have also dealt with branch manager XXXX at XXXX vs and my wife has dealt with XXXX at XXXX Virginia branch. We deposited the XXXX check at XXXX today but they don't quickly apply that to your account they hold it til midnight. So once again we have a pending transaction trying to go through that will like I said put us at XXXX in fees. Something has to be done. This is not right for this to happen to middle class people that made a honest mistake and has done everything to try and fix this issue. My name is XXXX amd my wifes is XXXX
05/11/2017 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Excess mileage, damage, or wear fees, or other problem after the lease is finished
  • NY
  • 10312
Web
I leased a XXXX XXXX XXXX fro m hann financial of N ew Jersey the lease was for 39 months, I decided to give the car back with 8 months left on the lease because my wife and I wanted to get the new XXXX XXXX XXXX in doing so we made the last 8 payments and gave the car back with only XXXX miles on it the car was in very good condition with the exception of a few scratches on the bumper and I believe I small Nickel sized dent in one of the doors, so we went to XXXX XXXX XXXX in new jersey and leased the new XXXX and asked if they would Handel the turning in of the XXXX , and they agreed like I say I satistified the lease left the car with XXXX XXXX , we use d hann financial agai n for the new lease on the XXXX XXXX we made another lease with hann for another 39 months for XXXX per month, would you not say at this point in time we are loyal and a good customer with hann, well about one month after turning in the XXXX we get a bill in the mail saying we owe hann XXXX in damages also they say the never got the two sets of keys to the car, I left the keys with the salesman that got the car from I trusted they were in good hands what was I supposed to do babysit the car and the keys until it was picked up, so after getting this letter I called hann and asked them how is this possible that a loyal customer like myself can be charged for such petty noncence and that I had no idea where the keys were I left them with the dealership, they did not want to here about it, they wanted XXXX that was the bottom line, I told them your not getting a penny from me and hung up on them, how do I get sued from a company for leasing two cars spending in total almost XXXX in five years, who does this, they got a judgment against me and froze my checking account for XXXX leaving me with no money to pay my bills, I had to pay them XXXX . To get out of this mess, please I hope you can understand my frustration and talk to these people and find out why they would do such a thing a loyal customer that until this day is still doing business with them in the tune of XXXX per month for 39 more months they sue me, come on I find this totally absurd, where is the proof they even fixed or made repairs to this car I have none how do we know they did not resell that car with out even putting a dime into it, even so again who does this, please help me
05/23/2018 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • SC
  • 295XX
Web Older American
I opened a joint account with my under age son around XX/XX/XXXX when he was about XXXX. The account stayed in both our names until a couple of months ago but once he was no longer under age the account was his. He had direct deposit and paid his bills from that account. He married and still kept the account and wouldn't go to the bank with me to close it. I was told at the time the two of us had to be present to close the account. In XX/XX/XXXX I entered the BB & T bank in XXXX XXXX Virginia for a financial transaction. During that transaction I was told my son was bouncing checks and he had to pay every time once bounced. I was told there was a check protection program. I was told that I could purchase a service were the bank would cover the amount of the bounced check and once my son deposited additional funds the amount of the bounced check would be deducted from those funds. I said I would like to purchase this service. Since he is now in is thirties and married I considered the account as his private account so I didn't open any mail from BB & T that had his name on it so I didn't see any information about the account. A couple of months ago I found out that since I was the primary account holder I alone could close the account so I did. Since then I've been getting pass due notices on a loan. I called the collection agency and the informed me that I did not purchase a check protection program. What I signed up for was an {$800.00} loan with an 18 % interest rate and a minimum payment of {$16.00}. Also they checked my credit rating to issue this loan. The words loan, credit rating check, {$800.00}, 18 % interest and {$16.00} never were said to me. I am in shock that the woman I spoke with would tell me one thing then without my knowledge opened a loan in my name. I was told the bounced checks would be covered by the loan they issues me and not temporarily covered by them until my son deposited more money. I never would have agreed to pay for his bounced checks at a rate of 18 %. I don't know if the woman didn't know what the program was really about or if this is a type of scam but there is no way I would agree to this. I called last week and was told someone would get in touch with me by today. No one did. I called again and was told someone would get in touch with me. I haven't heard from anyone. Please look into this for me. Thank-you
04/11/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • VA
  • 22079
Web
I have XXXX 5 year notes with BB & T that is due in XXXX XXXX. The notes are for property that I purchased where I run my business, a software development company. The loans are not only secured by the property but by my personal assets. Under the terms of the contracts, 1 ) I was to supply BB & T with my personal and financial returns every year within the first 90 days of the year and XXXX ) Maintain a corporate debt to income ratio of less than XXXX. XX/XX/XXXX, I was informed by the Asset Recovery Division of BB & T, that I was in default of my loan for the above XXXX provisions. This was even though I was never late on a payment! I explained that BB & T did receive my financials returns, not within the first 90 days of the year, as our CPA filed late that year ( we filed for an extension. ) But they did receive the financial returns XX/XX/XXXX. With regards to the debt to income ratio, we reduced this XX/XX/XXXX after a stellar year. The bank 's response was " If I can pre-pay off the note in XXXX XXXX, ( 6 months before it was due ), they could work with me. '' There is also a XXXX % fee for early pre-payment. I told them that 1 ) I was not going to pre-pay off the note early 2 ) I would refinance the note with another lending agency in XXXX XXXX. In XX/XX/XXXX, BB & T started adding additional fees to my note. They added the following fees : 1 ) {$1000.00} fee for XXXX appraisal fees -- why they would want to have the properties appraised considering my stance regarding refinance is unexplainable. There is a provision in the contract that states if an appraisal is necessary I would be responsible for that fee. Again, why would an appraisal fee be necessary if I clearly stated I would not rein finance with them? 2 ) {$3500.00} ( approximately ) in attorney fees. One letter I received from their attorney stated that BB & T 's position is that they will not refinance their note in XXXX XXXX. I asked why I have to pay for their attorney fees and their response is that I am, in XX/XX/XXXX, still in default of the provisions of the contract. My position is 1 ) I am no longer in default as of XX/XX/XXXX, 2 ) the fees added were all assessed in XX/XX/XXXX. Since BB & T just added these fees to my current notes,, and since I disputed these fees, my loans now show as late. I have never been late for any payment. I maintain a XXXX that is 26 years old.
04/03/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Application, originator, mortgage broker
  • VA
  • 230XX
Web
Mortgage Loan canceled due to error on BBT Mortgage end. They then lied saying they requested documentation thru the online portal when they never did. I originally opened a complaint with the CFPB in regards to my loan experience with BBT. I am unable to add information to this but the information that they provided was false. They did not send a letter or upload a letter to my online portal requesting updated income documents. I have emails documents provided to me from my loan officer XXXX that showed the rate lock being extended to XX/XX/XXXX. I agreed to continue to pay the rate lock until closing. The loan officer was even unaware of there being a request for updated documents. She emailed me asking me if they had contacted me and I told her no. The letter that was allegedly uploaded to my online profile by XXXX. This document may have been created but was not sent to me. I hope BBT has records on the back-end as I am currently trying to seek legal council to file suit against BBT. They charged me for a credit report fee and appraisal and then cancel my loan. I got my title cleared on XX/XX/XXXX. The issue is they dragged there feet initially when I applied for the loan. I applied for a refinance XX/XX/XXXX and entered into a 60 day rate lock. I got an appraisal done on XX/XX/XXXX and the Title company did not even notify me that there was an issue with the title until XX/XX/XXXX. I did dispute the original value of the appraisal on XX/XX/XXXX and sent the rebuttal. I reached out to the appraiser and he did not receive the rebuttal until XX/XX/XXXX and when he requested additional information they never responded to his request. I have all of this documentation and emails. XXXX advised me that this dispute was reviewed by the loan officer and Loan officer manager for errors. I did not know that loan officers were appraisers. I thought appraisers were regulated by DPOR. This process has been a nightmare. Their error will cost me over 10k in additional finance charged because they canceled my app with a rate lock of 2.875 fixed for 15 years. Then they provide false information to a government agency ( CFPB ). They did not request updated documentation from me or it would have been updated. Looks like there was a communication issue between the loan processor XXXX and the Loan officer XXXX as XXXX was not even made aware that my loan was canceled.
05/14/2015 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • NC
  • 27520
Web
BB & T improperly denied our repeated request for modification never providing any tangible evidence or explanation as to why. They then took advantage of us with servicing shortcuts and unauthorized fees. They failed to promptly and accurately apply payments made, and charged unauthorized fees for default-related services resulting in a huge amount of accumulated fees, penalties, and interest. They deceived us about foreclosure alternatives. They failed to provide accurate information about loan modification and other loss-mitigation services, they also failed to properly process our applications and calculate our eligibility for loan modifications on XXXX separate occasions. They provided false or misleading reasons for denying loan modifications. They threatened and engaged in illegal foreclosure practices. They provided false or misleading information to us about the status of foreclosure proceedings where we were in good faith actively pursuing a loss mitigation alternative also offered by them. I believe they have realized their mistakes because just recently after refusing to grant our requested modification for the third time, they somehow added my name to the mortgage and approved it for modification. They had previously turned it down even though our circumstances with income and debts were the same or even better. When I asked why they approved it this time after the previous denials they told me that maybe the guidelines had changed. They could and would not send me anything in writing explaining why it had been previously denied but was now approved. Can they just add my name to the mortgage? If so, why did n't they do this on our prior attempts at modification? The process took over 6 months each time we applied for modification and has caused an accumulation of over XXXX in late fees and penalties. We are currently in a chapter XXXX bankruptcy and we are waiting on the court to approve the modification inside the BK. During the previous attempts at modification they would never provide any concrete explanation of why we were being denied. The modification is still higher than our initial payment was by approximately XXXX to cover all the accumulated interest, fees, and penalties. They should n't be able to get away we should be made whole even to the point of having the mortgage forgiven and receiving a sum over and above for damages.
11/10/2017 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • FL
  • 333XX
Web
I opened a checking account with BB & T in XXXX XXXX. About a year later my ATM card had been breached and I was concerned with hackers being able to access my checking account. I went to the BB & T branch in XXXX XXXX to move some of my funds out of the checking account and open a savings account. While opening the savings account I asked XXXX XXXX if they could link my saving account to my checking account. He said NO. I told him I wanted overdraft protection on my checking account. He stated that he could offer an overdraft protection that would cover low funds but there would be a {$12.00} charge each time it was used. The normal fee is around {$30.00}. I accepted this overdraft protection. XXXX DID NOT tell me that the overdraft protection was a " constant credit '' account. Nor did he inform me that the account would be subject to an 18 % APR. He did not inform me that there would be a payments on the constant credit account. He NEVER told me that the overdraft protection was new account based on credit at 18 % interest. In XXXX I became aware of the account because BB & T changed their online banking website. For the first time I saw that along with a checking account and savings account, I had another account. I went to the bank the same day and spoke to XXXX. He informed me that HE did not set up the account, he stated it was set up by XXXX XXXX and XXXX no longer worked at the bank. XXXX told me there was nothing BB & T could do about the account, the interest charges or fees on the account. I contacted the XXXX number for BB & T later that day and discovered that XXXX XXXX was actually the person who set up the account, he was the person who had told me in person that BB & T could NOT link my savings account to my checking account. To date I have personally contact acted XXXX two times and personally talked to the branch manager. So far they have offered to void the last 90 days of interest on the account. I have more of an issue with the fact that the bank representative, XXXX XXXX, lied to me regarding the ability to link my savings to checking. Also that he failed to inform me that his overdraft protection was actually a credit account at 18 %. I would be satisfied if BB & T would acknowledge that I was mislead and concede any debt on my behalf pertaining to the 18 % interest they charged on an account I did not know existed.
08/06/2016 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • TX
  • 752XX
Web
I was an account holder at XXXX in XXXX for several years until the Bank became BB & T. Every month I have a direct deposit of about {$3500.00}. After paying several bills and spending a few dollars around XX/XX/XXXX I had a posted balance of {$1300.00}. Out of that amount I spend {$1000.00} leaving me approximately {$260.00} or something. With that balance I had XXXX items pending which added up to less than the amount. Although I had money in my account, I was charged a {$36.00} fee for something that overdraft but I was not in the negative. Also, a {$65.00} return item was submitted with this positive balance. So I called the bank to get an explanation and with much argument, the rep finally added up the amount that was spend and came up a total amount spent was {$1000.00}, which was less than {$1300.00}. When I asked why did I still have {$220.00} posted on my balance the rep informed me that that the amount was not a real amount and I did not have that amount in the bank. So I went into a branch on XXXX XXXX XXXX in XXXX and after speaking with the Branch Manager about this issue, since they had deducted all this fees out of my account there were other items that was pending and in order not assess fees I would need to deposit {$400.00}. Still not clear about why I have so many fees when I still have money in the bank. I gave the Branch Manager {$400.00} where he deposited {$410.00} at the teller window for me confirming that the next morning, after the few items post I should have a {$14.00} balance. The next day BB & T had charged me for the items that were in pending status that I deposited money for the day before. Not only was this an issue, these last three months I have noticed that they have been holding pending items for over 3 days or after the merchants have requested the money according to my investigation. Furthermore, I noticed that I bought some chicken from XXXX XXXX for {$5.00} and they had this amount both in pending and posted at the exact same time. My balance is never what it is supposed to be. On many occasions I have been locked out of my account for several days and unable to follow my transactions. I have had to call the bank to access my online account because it is continuously not available or blocked. Right now, BB & T has me owing their bank over {$300.00}, while I deposited {$410.00} to eliminate fees.
03/01/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IL
  • 62226
Web
When I logged into my BB & T mortgage acct. to make a principal only payment, I noticed that my monthly home mortgage payment had increased. I then searched all areas of my online acct. to try and locate a payment change notification. I could not find this information. I believe their website is purposefully insufficient because the information was not there. Next, I called them to inquire about the increased payment. After speaking to XXXX XXXX, and later to her supervisor XXXX XXXX, I became concerned with BB & T 's business practices. They needed my full social security number and my date of birth to pull up my account. I objected but provided the last 4 digits of my SS #. Then they required going over my current profile information for even more identification and I had to stop them when they read my phone number incorrectly. They had the wrong area code for my phone number. I have had this acct. for years, and now my phone number was suddenly incorrect. I as logged in to my online acct. at the time, and so I asked if I could correct the area code myself. They said no. They said they are the only ones that could correct the area code, and would only do so if I would provide them with my entire SS # and DOB, over the phone. I explained that I felt this was unreasonable, and that I did not want to do both because I was on a cell phone and in front of my computer, and that I believed that providing both over WIFI could put me at a higher risk for identity theft. I bank with XXXX, and have also banked with XXXX in the past, and they have never required me to give both of these items over a cell phone. Especially, to just change the area code of my phone number, a telephone number that I was currently speaking to them on, and that they could easily verify. The area code was wrong but the rest of the phone number was correct. I asked if they could even call that number, with the bad area code and see for themselves it's incorrect, or check my loan origination records on my account, or use the area code in my billing/mailing address on file, to call me back on that area code. I asked if they could send me an email using the email on file or by something else that is on my account to verify, once again, that it was actually me. So, my refusal to give my full SS #, and DOB over WIFI, they refused to correct the area code on my account.
09/25/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • MO
  • 63136
Web Servicemember
What is this complaint about? I purchased a used vehicle with XXXX XXXX dealer in XXXX XXXX MO in XX/XX/XXXX I have requested a copy of my paperwork since they are no longer in business. I am given the run around from former dealership, and lender XXXX XXXX XXXX. They denied me my requested " Presentment of proof '' purchase concerning my wet ink signed promissarory note as ofXX/XX/XXXX. The problem I am experiencing with the lender XXXX is they denied me a to refinance my vehicle acting as a DEBT COLLECTOR calling my number even when I asked the Collection Agency as XXXX to stop calling. I asked for a deferment do to not working. I was refused and denied then received letters in the mail of someone attempting to do a refinance on my vehicle via XXXX. What happened? I am being denied request asking for my original promissory note with XXXX who is the lender to my vehicle. I suspect fraud have taken place with my purchase as a CONSUMER. The company as my lender denied me information pertaining to my original wet ink signature promissory contract and I was refused products only to be harrsssed by XXXX COLLECTION AGENCY as a lending institution company. They initiated a banking refinance transaction accessing my SSN and signature unauthorized to change terms in my purchase contract as the CONSUMER. The people involved are the CREDIT COLLECTION AGENTS working for the banking lender/lien holder XXXX XXXX XXXX XXXX BB & T Bank. My personal information and SSN as a CONSUMER have been unlawfully breached. It 's unfair and unequal practices that have caused me to be XXXX trying to avoid being deceived and ripped off by XXXX unfair banking practices. I clearly requested in writing to XXXX and found out about BB & T bank. I clearly requested to state the amount, interest rate and repayment terms of the loan, the date the original note was signed, and the proper legal names of all parties involved. Was only sent via USPS mail of transaction history of questionable payments made. In closing, my security data SSN and personal information was BREACHED a second time and verified by XXXX XXXX : XXXX I was denied after contacting XXXX to request the original signed promissory note with my wet ink signature, as well as a total account history ( payments, fees, transfers etc ) so I could see what the heck was actually owed and to who.
08/01/2017 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • NC
  • 281XX
Web
On the XXXX day of XXXX 2017 at approximately XXXX I arrived home and spoke with my wife. My wife stated my XXXX year old daughter whom has XXXX had stayed up after she fell asleep and purchased over 60.00 dollars on XXXX merchandise. I notified XXXX and without question was refunded. I notified XXXX whom the charges went through and was notified the transactions were already sent to the bank as there were not enough funds to cover the cost. I called the Branch Banking and Trust. I notified them there were to be 10 charges on the account which would total over 50.00. I spoke with multiple individuals and was advised to contact fraud. I contacted fraud and was told it was n't fraud. I spoke with the representatives again and was told to wait till the charges hit and they would be removed. I then sent money into that account which showed in the account today. 8 of 10 charges hit the same date the funds showed available in the account. I was assessed XXXX in overdraft fees. I returned the call to BB & T and was advised they could n't remove the fees and sent me to the fraud department. Fraud started a case number and told me to go to the bank and sign the documents. I went to BB & T and signed all the documents and returned the call to BB & T. I was advised a second department receives the faxes and it would n't be resolved today. I notified the representative of the other 2 charges that has n't posted and I needed the fees reversed to cover the additional charges that were going to post. The representative with fraud stated they could n't do anything at this time. I called customer service once again and spoke with them. I was rude this time and was told they would get a manager for me. The representative returned to the call and stated the manager said he could n't do anything. I was not able to speak with the manager at that time only accept the message the manager told the representative. This is not the first time I have received an NSF fee or multiples on the same date money entered the account. I have always be advised the charges are to be deducted but the money is still pending even though I have the right to use the money that is pending. Its funny that when the money is in the account I can use it for purchases but I 'm not allowed to use it for transactions that hit the bank. This is a complete unethical practice.
03/21/2017 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • SC
  • 29526
Web Older American
I am writing to complain about a recent expierence with my bank Branch Banking and Trust Company. I have had an account with them since XX/XX/XXXX. On Tuesday XX/XX/XXXX I went to my local branch at XXXX, SC, XXXX phone XXXX. I talked to a Branch Team Member XXXX. I requested that my current checking account be closed and I opened a new one. I gave her a list of items I wanted paid and left just enough money in the account so those Items would clear. Also a month earlier I opted out of over draft and ach/ech protection and instructed her not to pay any other items presented, pretty clear cut instructions and she said she under stood. I also deposited {$20.00} in my new account the next day my wife came in to put her name on the account and deposit {$300.00} she was told an item that was not on the list was paid and that she owed {$10.00} more dollars.I contacted XXXX and she politely told me that they could not close my account until all the Items cleared. I asked if I could talk to her supervisor she gave me a phone # where I was told to leave a message no one ever called back. On the morning of the XX/XX/XXXX I went online and found I was charged overdraft fees of {$36.00}, {$36.00}, and {$72.00} to cover other Items I did not authorize. I contacted XXXX on the phone and asked her how much I needed to deposit to close my account for good so no more transactions would be processed she said {$620.00} I deposited over {$800.00} and thought the matter had been taken care of for good. Today I went online and found they processed another item out of my old account and charged me a {$72.00} overdraft fee. I called to talk to XXXX and she would not take my call i explained my story to a teller she told me my account would be closed tonight and I would have a positive balance of about {$60.00} on Wensday XX/XX/XXXX.At the least this is the worst example of customer service I have ever seen. However I think they may even be in violation of some consumer protection laws for one I was opted out of over draf protect but still charged over {$300.00} in over drat fees to cover items that did not even amount to that much. When I politely asked for a refund I was refused, Your assistance in this matter would be greatly appreciated my contact info is XXXX XXXX SC XXXX. Phone XXXX XXXX XXXX, and E- Mail XXXX Regards XXXX
04/19/2018 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • MD
  • 21202
Web
BBT BUSINESS CHECKING ACCOUNT NUMBER XXXX XXXX XXXX My account was charged off.I made a deposit of {$200.00} to clear up the overdraft.They owe me credits in the amount of $ XXXX.Which is still under review.Due to me filing a fraud claim.They overlooked my claim and closed out my account.On XX/XX/2018 There was a positive balance of {$120.00} in my account.My storage cost was $ XXXX.So I paid my storage cost.XXXX XXXX went into my account and took $ XXXX.When they only should have taken $ XXXX.Whichj cause my account to overdrawn.I had a positive balance of XXXX. {$90.00} should have been deducted from my account.Which should have left with a positive balance of about $ XXXX.Which would have covered the 3 XXXX fees.But Due to XXXX XXXX taken more then they were to suppose to take.It cause my account to be overdrawn.I have failed an 2-3 fraud claim about this matter.Nothing has been done about the {$240.00} as of today.Its still under review.I don't know why they close out my account.When they knew it was a fraud claim on the account being reviewed.I want CFPB and BBT to investigate this serious important matter concerning my account.Which is now charged off. I am a XXXX XXXX.I know my rights and I may file a civil suit in Federal court in my city.The law suit depends on the outcome of this investigation and serious important matter. My account should not been charged off.Due to a fraud claim being reviewed on my account.A fraud claim was filed.BBT is obligated to analyze and investigate this serious important matter.So why was my account charged of. They also charged me a bogus charge off fee of {$30.00}. Again I am a XXXX XXXX. I may file a lawsuit in Federal court.This is a violation of Fair Debt Practices Act.I want to reopen up an account and reestablish my good history with the bank.I was reported to XXXX XXXXWhich is a FDPA VIOLATION. Here is my Fraud Claim # XXXX ... .There is one claim still open. This is a legal bidding record of my claim and they are legal obligated to investigate and credit my account. They should have enough heart to allow me to open up an new account for my businesses.Again my account should not have been charged off. Left credited my account $ XXXX.Due to then charging my account $ XXXX.BBT owes me a {$36.00} credit. for the NSF Fee that was changed to my account.
02/06/2017 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • SC
  • XXXXX
Web Older American
I opened a checking account at BB & T in XXXX SC in XXXX. The terms of the account were no maintenance fees and I would receive paper bank statements. Within a short time ( about 4 months ) the bank changed the terms so that to avoid a maintenance fee I could not receive paper statements. So I continued with electronic statements only. In XXXX XXXX and XXXX XXXX the bank withdrew from my account a maintenance fee of {$12.00} per month. I called customer service and reported that I had an account that was not subject to a maintenance fee. The csr told me that the account I had was no longer available and so I changed to another account which did not have a fee as long as I had a personal mortgage account with the bank. I have XXXX personal mortgage accounts which originated in XXXX. The bank did not refund the {$12.00} for two months in XXXX. Then in XXXX XXXX the bank again charged a maintenance fee of {$10.00} per month. I called customer service and the csr refunded the fee. She said that the bank had decided not to waive the fee for mortgage holders effective sometime in XXXX and that I would receive written notice of that effect. The bank again deducted a maintenance fee of {$10.00} each month in XXXX XXXX and in XXXX XXXX. After each deduction I called customer service, and after spending about an hour each time the csr refunded the fee. In XXXX the csr that I talked with told me that the bank had a limit of {$35.00} that could be refunded in a year. After that conversation I received a voice mail from a bank csr stating that the bank had sent me a notice in XXXX XXXX that the mortgages would not longer be accepted as an exemption from a maintenance fee on my checking account after XXXX XXXX, XXXX. I have never received any notice from the bank indicating that the terms of my checking account had changed or that my checking account had been discontinued. The bank does not send notices to me in the mail. It posts notices online to my accounts, but never any changes to my checking account. I believe the bank is guilty of fraudulent practices designed to entice customers to open checking accounts there with terms that are quickly changed in order to extract maintenance fees. I have statements for my account ending in XXXX, but they contain the full account number so I am not attaching them.
05/24/2016 Yes
  • Bank account or service
  • Checking account
  • Using a debit or ATM card
  • WV
  • XXXXX
Web
ON FRIDAY XXXX XXXX, XXXX XXXX DEBITED MY CHECKING ACCOUNT IN THE AMOUNT OF XXXX. I IMMEDIATELY TRIED TO FILE A FRAUD CLAIM BUT WAS TOLD THAT I COULD N'T BECAUSE IT WAS STILL PENDING. IT TOOK 5 DAYS FOR THE DEBIT TO POST TO MY ACCOUNT. I IMMEDIATELY FILE A FRAUD CLAIM, ON XXXX/XXXX/XXXX I VISIT THE XXXX LOCATION WITH QUESTIONS REGARDING MY PENDING DIRECT DEPOSIT. I WANTED ACCESS TO MY DIRECT DEPOSIT. i SPOKE TO XXXX XXXX. SHE CALLS THE FRAUD DEPARTMENT AND WAS TOLD THAT IT COULD TAKE SEVERAL MORE DAYS FOR IT TO BE RESOLVED. AFTER SEVERAL MORE CALLS SHE SAID THAT THE BEST WAY TO GO WOULD BE TO BLOCK MY DIRECT DEPOSIT FROM MY CHECKING ACCOUNT AND TRY TO DIVERT IT TO MY SAVINGS ACCOUNT. I TOLD HER TO GO AHEAD AND BLOCK IT. SHE SAID I WOULD HAVE ACCESS TO IT FRIDAY AFTERNOON. ON FRIDAY AFTERNOON I CHECKED MY ACCOUNT AND STILL NOTHING SO I MADE ANOTHER TRIP TO THE XXXX LOCATION AND AFTER SHE MADE SEVERAL MORE CALLS SHE INFORMED ME THAT IT WOULD BE TUESDAY BEFORE I WOULD BE ABLE TO HAVE ACCESS TO MY FUNDS. YESTERDAY XXXX/XXXX/XXXX I LOG INTO MY ONLINE ACCOUNT AND MY DIRECT DEPOSIT HAD BEEN POSTED TO MY CHECKING ACCOUNT AND NOT TO MY SAVINGS ACCOUNT WHICH I WAS ASSURED WOULD NOT HAPPEN. I CALL THE XXXX BRANCH ( XXXX 'S DESK ) AND SHE IS OUT OF THE OFFICE. I TRY TO CALL THE MAIN NUMBER BUT CAN NOT GET AN ANSWER SO I CALL THE XXXX BRANCH. I SPOKE WITH XXXX ( I DID NOT GET HIS LAST NAME ). AFTER BEING PLACED ON HOLD FOR AWHILE, XXXX INFORMED ME THAT I NEEDED TO SEND A COPY OF THE RECEIPT WHERE I HAD RETURNED THE MERCHANDISE TO XXXX. HE GAVE ME THE FAX NUMBER AND I WENT DIRECTLY TO MY SONS PLACE OF BUSINESS AND FAXED A COPY OF THE RECEIPT TWO TIMES. I WAS TOLD THAT WITH THE RECEIPT THAT I SHOULD SEE MY FUNDS AVAILABLE BY TODAY. WHEN I CHECKED MY MAIL YESTERDAY EVENING, THERE WAS A LETTER FROM BB & T STATING THAT MY CLAIM WAS DENIED. IT WAS DATED XXXX/XXXX/XXXX WHICH WAS THE DAY XXXX FIRST WENT INTO THE XXXX LOCATION. IF THE FRAUD DEPARTMENT HAD ALREADY DENIED MY CLAIM WHY WAS N'T I MADE AWARE OF THIS ON THAT DAY. WHAT BOTHERS ME MOST ABOUT THIS IS THAT I WAS AT THE BANK XXXX XXXX & XXXX AND WAS NOT TOLD I NEEDED TO FAX ANYTHING OR THAT THE CLAIM HAD BEEN DENIED. I CHECK MY ACCOUNT THIS MORNING AND NOTHING HAS CHANGED SO I CALL THE FRAUD DEPARTMENT WHERE I WAS TOLD THAT THEY HAD NEVER RECEIVED MY FAX.
12/06/2016 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • FL
  • 33432
Web Older American
On XX/XX/2016 I received a call from a representative of BB & T inquiring as to whether or not I knew a XXXX, I responded No. I was then informed that it appeared that checks had been counterfeited, they did not match my checks and the signatures did not match but XXXX checks # XXXX - {$1700.00}, # XXXX - {$1700.00}, and # XXXX - {$1700.00} had been processed against my account. The account was obviously overdrawn and more so with overdraft charges. I was advised to go to my bank branch and file the necessary fraud documents, which was done immediately. The bank representative advised that we closed the affected account and open a new one. This also was done, we now had only one check to access the new account, but were told our existing debit cards would be linked to the new account. This only partially worked and only one card was linked, so that when a medication copay of {$2.00} was charged against that card, it was denied, and were were charged another overdraft charge on the old account. A bank representative was able to fix the link for the debit card. Then things got worse, we were told it would take approximately 10 days for the money to be restored to our account. After 10 days, I called, the rep told me the case was being investigated, and she provided me a case number and a phone number to contact the fraud unit directly. I contacted the fraud unit and was told that there was no definite time that the funds would be restored and it could take as long as 90 days. I went back to the branch office, the rep called and was told that an investigator would be assigned on XXXX and to call the fraud unit for an update at that time. In the interim I have been forced to withdraw funds from my 401K to cover property taxes, property insurance, and my mortgage payment with this same bank. I have had to contact Social Security, our life insurance companies, and all those with whom we have direct deposit agreements to make the appropriate changes. I feel that the bank 's resistance to reinstate my funds is unacceptable, this situation was a result of problems with their security and not my effort to protect my account. The bank informed me of the problem initially before I even knew it existed so they knew there was something wrong, with that said, I feel they are not responding reasonably.
08/17/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • SC
  • 29710
Web
Our account is in foreclosure with BB & T bank, this is a FHA loan and they are the servicer, we have had nothing but headaches trying to work with this company to try and resolve our account, from them offering unaffordable modifications to them telling us we have a credit on the account, when in fact we do not, this is the XXXX time they said we had a credit and in reality, we did not, which brings me to this complaint ... ... ... .... On XXXX XXXX, 2015 we received a re-instatement letter from their law firm the XXXX XXXX XXXX, telling us if we pay {$1700.00} by XXXX XXXX, 2015 our loan would be re-instatedwith me being skeptical, because previously, they told us we had {$12000.00} in recoverable fees that should have been a credit, well after doing further research, the bank admitted they were wrong and we never had a credit of {$12000.00}, we had taking money out of our XXXX to bring the account current, only to find out after the fact, BB & T Rep pre foreclosure rep gave us the wrong information, moving on to the latest ... ... ... ... .. On Monday XXXX XXXX, 2015 I called the attorney office, re-instatement department, spoke to XXXX, informed him of the letter we received dated XXXX XXXX, 2015, I asked him is this quote correct? he told me yes, this is the quote that was sent over from BB & T bank, I then mentioned to him, we had issues with this bank, telling us we had a credit, when we did not, he told me pay the amount on the letter and your account would be reinstated, I then told him, we could get the funds from our XXXX to bring the account current, he told me we could use the letter the law firm sent us, I asked XXXX could you please give me the credited fees amount and what they are, he replied {$21000.00} they are corporate advances which are credits, they just use another term thanked him call endedI then called BB & T spoke to foreclosure department XXXX, told her of the the letter we received from your attorneys office, asked for the account number I gave it to her, she then turned around and ONCE AGAIN told me that figure is not correct, she will call the attorney office, I then ended the call and here we are once again, this is the XXXX time this bank gave us false information, just another example of the POOR servicing, they have done regarding our loan
02/16/2016 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • MD
  • 21701
Web
Branch Banking and Trust has stooped to a new low. They are now charging to utilize their phone 24 services. That is right, they are charging me to call and ask questions. This is illegal I am pretty sure. I have a XXXX XXXX like many americans that requires I get things explained to me. I should not be punished by sanctions and fees for having this XXXX. I am also notifying the XXXX and CFPB of these practices if not refunded, ceased for me personally immediately. The demographics of our country with an aging, autistic, and generally declining education system makes this predatory. I am going to copy/paste this complaint to everyone until the end of time. This is dirty business, refund my money, offer me an apology and have your company trained on business ethics going forward. Service by phone and person should be a requirement. You have no right to charge, refund these fees. Also provide the address for me to address certified legal mail to from my attorney. What is your mediation process and where to address legal mail for residential adviser. Please explain these fees and put it in writing to the address on file. Both having explanations in writing then being able to call and discuss is fundamental not to just fair business, but also greatly assists in the handling of my personal XXXX XXXX. Please do not deny us these crucial services. Here is the explanation I received from the website of BBT : " Thank you for contacting BBandT E-Mail Support regarding XXXX fees. You may make unlimited calls to the Phone24 automated system at XXXX at no charge. After selecting an account, you may press 0 to speak with a Phone24 associate between XXXX XXXX. and XXXX XXXX, ET, seven days a week. XXXX XXXX, your first two calls to a Phone24 associate are free of charge. However, a {$2.00} fee will apply for each call to a Phone24 associate over two during your statement cycle. " ***PLEASE STOP THIS IMMEDIATELY, ISSUE REFUNDS FOR ALL SUCH INSTANCES AND PROVIDE ME UNIQUE UNLIMITED PHONE SUPPORT TO SOMEONE TRAINED IN HANDLING XXXX, XXXX XXXX. I WANT CLEAR INSTRUCTIONS BY PHONE AND INDIVIDUALIZED SERVICES GOING FORWARD TO ASSIST WITH MY MEDICAL COGNITIVE CONDITIONS. WITHOUT THIS I CAN NOT FUNCTION. DO NOT DENY ME OR CHARGE UNFAIRLY XXXX PEOPLE THAT MAY NEED THIS LIKE MYSELF. ***
07/30/2016 Yes
  • Mortgage
  • Home equity loan or line of credit
  • Settlement process and costs
  • MD
  • 20744
Web
Until XX/XX/XXXX, I was not aware that a loan in the amount of {$50000.00}, had been taken out in my name XX/XX/XXXX, by a Branch Banking and Trust ( BB & T ) Company employee. I never entered into any BB & T Branch to sign loan documents, however, my forged signature is on loan documents along with a witness signature atesting to witnessing me sign this document. The loan was secure by a property that I did not own, but lived in. It is my understanding that the loan was never processed correctly within BB & T ( i.e. the loan was not tied to the deed of the real estate property for which it was secured by ). When I was contacted in XX/XX/XXXX, about repaying the loans in default, I tried to tell the collections person that I did not take out this loan, however they did not want to hear it. It was difficult to speak to anyone within BB & T because each time I called they forwarded me to the collections people, who did not want to hear anything about this fraud or provide contact to anyone that I could speak to. I sent written acknowledgement to the collections company informing them of the fraud in the loan. I go a response indicating that they found no fraud and that I needed to repay the loan. I researched and found a number to contact a person inside of BB & T who I called and explained the issued to her. She was not aware that the property that the loan was secured by had been sold without BB & T knowledge, and could not explain to me why BB & T had not secure the loan repayment prior at the sale since the loan was secured by that property. Although I provided this information, she still could not assist me with anything. In XXXX, I contacted the BB & T collections attorney and provided written response that there was an error and the loan was fraud, the response received indicated that they found no fraud with the loan and that I needed to repay or they world take me to court. BB & T and it 's collection attorney XXXX, XXXX, XXXX XXXX, XXXX was granted a judgement against me in XX/XX/XXXX. Since than, BB & T has made my like XXXX, they garnished my wages taking XXXX % of the earning every paycheck for the since XX/XX/XXXX until now that the loan has been paid off. At the time I had just become a single mother, so it has been very difficult. Please investigate.
02/06/2018 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Money was not available when promised
  • MD
  • 20715
Web
I have a bank account with BB & T that I had forgotten about. The account went dormant because it was inactive for one year. I ended moving to a part of the country that does not have any BB & T branches. When I discussed the issue with a customer service representative I was told to write a letter authorizing a friend or relative to go to the branch where the account was created to collect a new debit card and that the dormant status would be removed. I followed their instructions. After my relative took the letter to the branch the staff claimed that the information I had been given was wrong and that I would need to write another letter, have it notarized and send it to the same branch I mentioned before. I write the letter, have it notarized, and send it to the branch. I check the status of the letter on the USPS website and it says it has arrived. A few days pass and I have not heard anything from the BB & T Branch. I call them and a staff member claims that they haven't received the letter. At this moment it becomes obvious that no one at this branch has checked the mail. When I call him out on this he checks the mail and confirms that the letter has arrived and claims that it is being passed along to someone who can verify it. A different staff member calls me asking me for a picture of my drivers license and I immediately email her a picture of it. A week passes and the status of my dormant account has not changed. I call the branch and they claim that the letter and photo of my ID are still being verified. Another week passes. I call them again and they give me the same story. Several weeks later, account still hasn't been reactivated. I have spent around {$50.00} to have two letters notarized and shipped across the country and have not gotten any results. BB & T is by far the worst bank I have ever dealt with. This experience has shown me that the company is full of XXXX employees who don't care about customer service. It seems like they think they can get away with not doing anything and that customers will just give up and stop contacting them. At some point in the near future, I will have to travel cross country to get this matter resolved. This is beyond ridiculous considering it is 2018 and this problem couldn't be resolved online or over the phone.
06/19/2016 Yes
  • Bank account or service
  • Other bank product/service
  • Account opening, closing, or management
  • FL
  • 342XX
Web
After the death of my father, I went with my mother to her local branch of BB & T located at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. The purpose of this XXXX XXXX, 2016 visit was to remove my father 's name from their safety deposit box and add mine. We dealt with XXXX XXXX, Branch Manager, and XXXX XXXX, Branch Banker. The latter was XXXX who worked with us on the paperwork. On XXXX XXXX, 2016, I received an alert that a hard pull had been done on my credit. I complained to BB & T that 1 ) they did not have a legitimate business purpose for accessing my credit information and 2 ) that I wanted them to remove the credit inquiry. I received a call on XXXX XXXX, 2016 from a representative from BB & T bank. This rep stated that they did have a legitimate business purpose. She did not cite the specific part of the FCRA to which she referred, but did mention that BB & T was required by law to check to make sure I did n't have any fraud claims against me, etc. if I was to be named on a safety deposit box ( XXXX can only assume " required by law to consider an applicant 's financial responsibility or status '' XXXX although I fail to understand how it applies ). I then said to her that the check was then complete and the legitimate business purpose had ended. She replied that they had an interest in selling me further services at the bank. I told her that I did not want any services from BB & T and that its " interest '' was unfounded. She said she would put me on a " do not call '' list. I then asked why, if this is such standard practice, I was not notified upon signing the paperwork to add my name to the safety deposit box that I would be subject to a hard credit pull, which would affect my credit score. She replied that there is a " huge '' sign " three times larger '' than any name plate on every associate 's desk making this clear. I can assure you that no such sign was present nor was I cautioned as to the credit pull. I will also mention that it was not until I started this complaint process with BB & T that I was also informed that, by adding my name, I was in fact a co-owner of the box and financially responsible for it. At the time, we and XXXX XXXX seemed to be on the same page that I was simply being granted access to the box -- not a co-owner of it.
07/13/2017 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • GA
  • 30213
Web
I received a settlement check from an attorney that banks with BBT XX/XX/XXXX for {$3800.00}. I took a picture of the check and deposited it into my XXXX account. I placed the check in a folder where I keep important documents. XX/XX/XXXX my husband took my vehicle to a XXXX dealership to get my detailed. He stated he placed my folder in the trunk of the car. XX/XX/XXXX I checked my account online and noticed XXXX missing. I contacted XXXX and they told me there was a duplicate transaction with the check. I went to the trunk of my vehicle, looked in my folder and discovered the check was missing. My husband went to the dealership and spoke to the manager, he stated he would review the cameras. We contacted XXXX and filed a fraud claim on our account. I went to XXXX County Police department XX/XX/XXXX and filed a police report. Case # XXXX. I contacted the attorney and advised him of what was going on. He stated he did not see a dup check on his end. On XX/XX/XXXX I received a copy of the check from XXXX. The check was deposited into a XXXX XXXX ATM XX/XX/XXXX on XXXX XXXX. I went to that XXXX XXXX branch and spoke to the manager he stated the fraud would need to be handled by XXXX and BBT. I went to XXXX police dept and filed a police report Case # XXXX. After investigating the incident the detective stated he spoke to the person that deposited my check she stated she met her cousin and a female, he told her it was his girlfriend and she was having problems with her account and asked her to cash the check for her. XX/XX/XXXX I still have not received my money back. I went to the XXXX XXXX branch today and spoke to the manager again. He contacted the attorney with BBT fraud department on conference. It appears that the attorney filed the proper documents to return my money, he was told BBT deleted the case because their clients acct was not compromised. They never sent any documents to XXXX XXXX. I do n't understand how BBT did not catch that the check was presented a 2nd time almost 2 months later. And how can you just delete a fraud case and not send any documents to the other party? I want this issue resolved immediately!!!! I have fallen behind on ALL my bills because of this. I want BBT to corporate with XXXX XXXX to return what is rightfully mines!
03/09/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • TN
  • 374XX
Web
Over the course of 7 months of negotiations and several foreclosure sale postponements. We accomplished raising money to Fully Payoff our XXXX Mortgage ( BB & T ) and Short Pay XXXX Lien Holder ( XXXX-HELOC ). Another Foreclosure date was set for XXXX XXXX, 2016, without my knowledge, no notice to XXXX Lien Holder, and No notice posted on XXXX XXXX XXXX, webiste ( Foreclosing Attorney ) We were in bi-weekly communication with XXXX XXXX XXXX to obtain a updated payoff and no one mentioned New Sale date. We would have put in a request for postponement as in previous occasions. Most assuredly with money coming from IRA account to pay it off. However, We closed on XXXX XXXX, 2016 using a copy of my husband Power of Attorney. He was out of state in XXXX XXXX XXXX XXXX and hard to reach. He gave me POA to sign closing docs for him. The Original POA was lost in the mail and another had to be sent. On the afternoon of XXXX XXXX, 2016, The Title Company received the Original POA and began to disburse funds. They hand delivered the check to Junior Lienholder on XXXX XXXX, 2016, and then called to get a daily per diem to payoff BB & T via XXXX XXXX XXXX. XXXX advised the Title co that the property had been sold that Morning XXXX XXXX, 2016 to a Third party ( local Investor-Non Owner Occupant ). We began to communicate directly with BB & T that Full Payoff was available if they accept the payoff. BB & T advised they could more than likely allow Us to redeem the property due to State of TN 730 day Redemption Period. Even IF we Knowing or Unknowingly waived our rights to redeem int he original Deed BB & T could work around this to accept Full Payoff regardless to Third party buyer. BB & T sent request to XXXX XXXX. XXXX XXXX advises me as of XXXX XXXX, 2016, that it is at the discretion of the Servicer and their attorney to allow borrower to redeem the property. XXXX XXXX XXXX do NOT want to approve XXXX XXXX for XXXX. I find it strange and unjust that XXXX should reject the actions taken by their client to work with Us. XXXX XXXX XXXX is not interested to accept Full Payoff. XXXX wants the foreclosure sale to stand in spite of my conversation with BB & T ( XXXX XXXX XXXX 's client is attempting to work with Us ) BUT XXXX XXXX XXXX do not want to work with Us.
12/06/2019 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • VA
  • 22306
Web
I have an account with BB & T, which I tried closed a month ago, after this bank having fraudulently charging my account ( in addition to refusing to close this account in a timely matter ). I went to XXXX XXXX Breach and asked to withdraw all funds and closed my account due to the aggressive overdraw fees they have been charging my account. While I was in the Branch the customer service representative explained that if leave my account in XXXX and they will automatically close it. Unknowingly, my check my deposited into BB & T, I was shocked because this account should have been closed weeks ago. After finding this unauthorized account, immediately called customer service to speak with a manager/supervisor ; the agent refused to transfer my call. After speaking with her for a while, she promised to change my maximum withdrawing allowance so I can withdraw all my funds so she could close my account. After trying several times to withdraw my money I was not able to. I called again the same day and a different agent answered and I told me there was a hold in my account. Similarly, this agent advised me to go to different ATMs and get a specific amount and to swiped my card until my balance was XXXX. Before my balance was XXXX, I saw an overdraw fee of {$72.00}. Two days later my card was accidentally charged for a utility bill and another overdraw fee was charge ( XXXX ) ; again, I was surprised since I requested my account to be closed three times. Since that day, BB & T has taking upon themselves to charge me fees, at least every two days. Now I have a negative balance of {$380.00} on my account. As a consumer of BB & T, I have experienced worse service in the bank industry. This bank has taken away all the trust I have on any banks. They not doing anything illegal but it is not ethical. I feel that they are exploiting their clients ' trust and misused their funds. The main reason I am looking for help is, that this bank has lied to me in the past and will not give my money. Also, this bank has shown a history of abusing its access to its members ' accounts ; as they lost a lawsuit this year for these same reasons. Name : XXXX XXXX XXXX Email : XXXX XXXX : XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA, XXXX.
12/06/2016 Yes
  • Credit card
  • Credit line increase/decrease
  • SC
  • 29625
Web
I requested a credit limit increase from my bank ( BB & T ) for my credit card over the phone but the agent did not know whether a hard or soft pull was need so I explicitly stated the stipulation to note on the request that if they need a hard inquiry on my credit report do not proceed with the credit limit increase. A week later, I noticed an increased credit limit and once I checked my credit report noticed XXXX hard inquiries on my credit report. I contacted BB & T and explained the situation. The agent ( XXXX ) I was speaking to had her Supervisor ( XXXX ) listen to my original phone call and she confirmed that I made the request NOT to perform a hard inquiry on my credit report. XXXX send a dispute request to the XXXX to remove these inquiries from my credit report. She told me it could take up to 10 days to file with the credit bureaus and 30 days to see the update to my credit report. I asked for an email confirmation of the discussion we had and I figured everything was solved at this point. I never received the email confirmation. A few days later, I received a letter in the mail from the BB & T Bankcard Services stating they concluded that the information was reported to the credit bureaus accurately and closed the dispute. Keep in mind a few days earlier the supervisor ( XXXX ) listened to my phone call in which I specifically said not to perform a hard inquiry and admitted fault. I was confused in their finding so I called BB & T again and they informed me I could not directly contact the BB & T XXXX department and they could not tell me what information they provided that department for their investigation. The agent said the only thing I could do at this point is contact the XXXX credit reporting agencies. I first contacted XXXX and they said that they could not do anything about removing the inquiries on my account made by the bank. All I could do is file a police report and file a complaint with the CFPB. That is where I am at right now. BB & T has a recording of the original phone conversion in which I specifically asked for them NOT to perform a hard inquiry on my account but their internal XXXX department found they were not at fault for the XXXX unauthorized hard inquiries on my credit report.
08/03/2016 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • KY
  • 40741
Web
BB & T has overcharged my account {$290.00} this year. I have attached the transaction summary of my account from the BB & T website. I have indicated on it where they have overcharged my account. During XXXX there is an overdraft on XXXX/XXXX/16 and the account was not overdrawn. On XXXX XXXX charged my account and it was n't supposed to. When I complained to BB & T, they told me first to contact the company to see if they would reverse the charge. I did so and XXXX reversed the charges yet I was still charged an overdraft fee. Had the overdraft fee not been taken out on the XXXX for no reason my account would not have been overdraft on the XXXX for the XXXX mobile payment, which I was again charged an overdraft fee for. I should have accumulated 1 overdraft fee on XXXX for the XXXX purchase. This one incident overcharged my account {$150.00}. BB & T also keep charging my account a maintenance fee, even though the customer service rep told me when I signed up for an account, once my direct deposit started, it would NOT be charged a maintenance fee. So do to this debit, I again overdraft on this account. I was not charged an overdraft but do not understand why I am still being charged this fee when I have had direct deposit. I was charged a correct overdraft fee on XXXX and then in XXXX, I was charged {$8.00} each day even though my account was only overdraft 1 day not 7 days. So this occurrence overcharged my account {$24.00} During the month of XXXX I was charged {$72.00} for overdraft fees yet again my account was NOT overdrawn. I should have been charged 1 overdraft fee on XXXX for the XXXX debit. On this occurrence I was overcharged {$110.00} On XXXX I was charged an overdraft fee and my account was again NOT overdrawn. I should only have been charged an overdraft fee on XXXX for the speedway debit. On this occurrence I was overcharged {$36.00}. So in total I have been overcharged {$290.00} this year in overcharges. The response given by the BB & T representative did not address the issue over overcharges to my account. It appears all they did was copy and paste from a manual. So in total I have been overcharged {$290.00} this year in overcharges. Please address each occurrence separately. Thank You
01/05/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • PA
  • 179XX
Web
On Thursday XX/XX/XXXX, we attempted to purchase our pet 's food from the veterinarian using my husband 's debit card. It was declined. We knew we had plenty of money in the bank and was upset at this issue. Prior to this transaction, the night before, we had done a little bit of gaming online with an online casino, which online casino playing had become legal in XXXX of 2019. When we questioned the bank why the debit card was declined we were first informed that it was due to a problem purchasing a movie on XXXX for XXXX XXXX that we wanted to watch and that we should call the bank 's fraud department. We called the bank 's fraud department and they stated they had no idea why the card was declined because there was no notes in the system. When we spoke to the branch that we opened the account in, the person stated the branch manager at the other location had shut it off but again no notes were given. When we questioned the branch manager she said that they had the right to shut the card off due to online gambling. When reading the bank 's rules on gaming, it stated that only if it was illegal, which it is not in PA anymore. The bank manager was acting like a parent and stated " We were warned not to use the debit card for online gaming ''. She alone shut the debit card off to the point we had to order a new debit card because there was no way to turn the card back on. I feel this is an injustice to consumers. The branch manager clearly had power issues that went to her head. If the fraud department didn't catch this or find it a problem, then where did the branch manager have the right to do this? It was as if she was just waiting and watching to see if we would play online again and the next day took great pleasure in shutting my husband 's debit card off leaving him without a means to purchase fuel and necessities while working as a XXXX XXXX Sure, he could use my debit card, but where does that leave me also when without one for daily needs? Needless to say, we are shutting our accounts at this bank because if the branch manager can have all this power and dictate how consumers can use their hard earned money, then why use this bank? I certainly do not want to be dictated to in how to manage our money.
07/28/2016 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • SC
  • 29687
Web
I am the XXXX for my XXXX year old Mother. In XXXX of 2015 I was XXXX and unable to take care of our finances. My sister-in-law took advantage of the situation and stole my checkbook and credit cards as well as my Mothers. She went so far as to divert my telephone calls to her cell phone and took all the mail from our mailboxes. XX/XX/2015 I was able to have my phone fixed and began to receive calls from a branch of BB & T in XXXX, SC and we discovered that she had stolen both of our identities and accessed our bank accounts and credit cards. I had never had an overdraft nor had my mother and that is when we discovered the extent of what had taken place. Credit cards were charged to the max and forged checks were paid off of my account as well as my Mothers. BB & T did not close my Mothers account at that time. Only when my sister, who is a banker in Texas, talked with BB & T did the account get closed. The bank did refund a portion of the fraudulent transactions that were committed by XXXX 's but not all. My sister-in-law was even allowed to make a draw off of my home equity line of credit by telephone that the bank refused to refund to me, leaving me with an additional {$9000.00} debt I am now forced to repay. When my sister in Texas came home for XXXX in XXXX 2015 she went to the bank to ask about the forged checks. The bank refused to honor the forgeries because it was past a 60 day window. My sister contends that when I first reported the identity theft it was the bank 's responsibility to close the accounts and to advise us to go thru our bank statements to look for forged checks. The forged checks on my Mothers account was in excess of {$27000.00}. I did press charges against my sister-in-law and provided copies of police reports to BB & T. I feel like not only did my sister-in-law take advantage of me but the bank did as well. They were not helpful at all and it appeared to me that they just wanted me to go away. I have since closed my checking account with BB & T and my Mother has also closed her accounts as well. I still have the home equity line of credit loan with BB & T but as soon as I can pay it off in full I will never do business with them again. They are in no ways " consumer '' friendly.
08/14/2019 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Didn't receive terms that were advertised
  • GA
  • 30075
Web
I opened a checking account through BB & T on XX/XX/19 by clicking on a banner ad on the bank 's homepage. The ad advertised a {$200.00} bonus if certain conditions were met : 2 direct deposits of {$100.00} or 3 bill-pays of {$25.00} or more, within the first 75 days of account opening. I completed the 2 direct deposits on XX/XX/19. The terms stated account would be reviewed between 75 and 90 days of acct opening. I sent a secure message on XX/XX/19 asking when I would receive the bonus. Message changed the terms and stated acct would be reviewed between 75 and 120 days. I sent another message on XX/XX/19 asking when i'd receive the bonus and was told that no promotional code had been attached to my account. This is not possible ; I opened the account by clicking through an ad on the homepage and no code was needed. When opening the account, it was clear the promotion had been applied. In addition, when I first messaged on XX/XX/19, the CSR made clear my count would be reviewed and never said there was no code attached. After multiple phone calls and secure messages, I have been told that a code has been added to the account ; however, no bonus has been given, and no one will tell me when/if it will be. This is not the only issue I've had with BB & T. The terms upon opening the account say no monthly maintenance fee will be charged if I maintain a {$1500.00} avg bonus or have {$500.00} in direct deposits ; no time period is stated. However, as the name of the fee implies, I assumed it would be monthly. I did not learn until a few months in when one paycheck was lower than usual that the fee is charged per statement cycle. Nowhere is this stated. I had already changed my direct deposit so that I would have {$500.00} per month, but it did not work out to be {$500.00} per statement cycle. It took multiple secure messages and threatening filing a CFPB complaint to get the fee refunded. Every experience I've had with BB & T has been terrible. They do not make clear when/how they charge fees ; they regularly do not attach promotional codes ( the same exact thing happened to my wife ) ; their customer service is slow and non-responsive. I've communicated with : XXXX, XXXX, XXXX, XXXX, and XXXX.
09/24/2015 Yes
  • Bank account or service
  • Other bank product/service
  • Account opening, closing, or management
  • WV
  • XXXXX
Web Older American, Servicemember
*THE BELOW LETTER WAS SENT TO ME AFTER MY " BB & T. BANK '' ... .***REFUSED TO PLACE THEIR BANK SEAL ON THE BELOW : PDF : XXXX. PLEASE ASK THEM WHY? THEY WOULD " NOT '' VERIFY MY SIGNATURE, SO THE ''TREASURY DEPT. '' SENT THE BELOW LETTER, TO ASK ME TO GET MY SIGNATURE CERTIFIED. QUESTION : DOES ''BB & T. BANK '' TREAT ALL XXXX VETERANS LIKE I HAVE BEEN TREATED AT THEIR BANKS..? OR DO THEY BELIEVE THE FRAUD THAT WAS COMMITTED AGAINST ME..? WHILE I WAS LIVING IN XXXX OVER THE LAST FIVE-YEARS..? ALSO ASK " BB & T. BANK '' WHY..? THEY REFUSED TO PLACE MY NAME AS A CO-OWNER OF MY WIFE 'S SAVINGS ACCOUNT ... .. ( despite us having a JOINT CHECKING ACCOUNT together..? ALSO ''BB & T. BANK '' REFUSED TO HONOR MY REQUEST WITHOUT TELLING ME ANYTHING..? AS TO WHY..? THEY DID ''NOT '' HAVE ENOUGH RESPECT TO NOTIFY ME, THAT THEY WERE ''NOT '' GOING TO LET ME OPEN A XXXX-EDUCATION SAVINGS PLAN FOR MY XXXX OLD SON. **THIS ALL GOES BACK TO THE FRAUD THAT HAS BEEN COMMITTED AGAINST ME, ON ALL XXXX OF MY CREDIT REPORTING AGENCIES .... ( WHICH HAVE BEEN TAKEN OFF OF AT LEAST XXXX OF THE CREDIT AGENCIES ), like I requested. The Account Authorization ( PD F XXXX ) submitted is unacceptable as the form was certified. Therefore, we must ask that you submit a new form with your signature properly certified. Please note that the form 's instructions to the certifying officer state, " Acceptable certifications include the financial institution 's official seal or stamp ( such as corporate seal, signature guarantee stamp, or medallion stamp ). '' Notary public stamps are unacceptable. Please have the bank place their official seal on the form to certify your signature. If the financial institution does not have an official seal or stamp to use when they certify a signature, they may use the savings bond paid stamp that they normally use when cashing savings bonds for a bond owner. We may accept : Acceptable Certifications : *Signature/Endorsement Guarantee Stamp*Medallion Stamp*Official Bank Seal/Stamp*Corporate Seal*Consular Seal*A commissioned or warrant officer of the United States Armed Forces may certify the signature. If there is any further questions you can have your bank contact our office. Thank You, XXXX
07/20/2015 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • CA
  • 94804
Web Servicemember
Hello, I have recently inquired about transferring my personal property into my business which would require me to obtain a business loan. I have been attempting to do this with XXXXI began working with XXXX XXXX XXXX XXXX # XXXX ) in XXXX of 2015. It has been a nightmare dealing with her and I have found her conduct to be extremely unprofessional. Initially she took all of my information, and I was extremely transparent about my goals and quick to respond with financial information as needed. Eventually communication began to wane and weeks were going by without an update. She would haphazardly ask for different forms at the last minute, and would not bother to call or make sure these " last minute '' request were received. At one point after asking her for an update, calling both her work and cell phones AND sending an email, she emailed me back saying the loan was cancelled-she did n't realize that everything had to be completed within 21 days of initiating the request, AND she tried to say it was my fault because she asked for a form on Friday and it was n't there on Monday XXXX the same day it was cancelled apparently XXXX. I still proceeded to try to re-apply and continue the process with XXXX XXXX and BB & T. I had to consistently XXXX her down for updates. There were 2 WEEKS where I have heard NOTHING. I eventually caught up with her on her cell. She proceeded to tell me that she " thinks '' the hold-up is some additional paperwork that she " personally '' has some concerns about, AND when I asked if it were possible to just check in regularly even if there is no new information ( which I 've never heard of ), she basically refused. Eventually I complained to BB & T about the process, and after talking with her apparently, they said my application was in underwriting and they were n't sure when I would hear back. That is totally bogus and I know this because I have 3 other loans and I know how the process works. Coincidently, I received an email from XXXX XXXX a week later saying they could n't help me with my loan. No REAL or clear reasons, AND this was more than 2 weeks after my last interaction with her. I found this experience to be totally unfair, unprofessional, and unacceptable.
10/16/2016 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • GA
  • 301XX
Web
Because of Obamacare, we were required to sign up for insurance through XXXX with XXXX. While doing so, XXXX somehow had XXXX different files for my family - XXXX with our correct name and SS # s ( which we verified with company as required ) and XXXX with incorrect names with our correct SS # s ( which we did not verify ). We called to have the problem corrected, which our agent assured us the problem was fixed. However, after receiving multiple mailings from the companies to verify incorrect information, and continuing to call them and tell them we are not the XXXX 's, our bank, BBT, allowed XXXX to auto debit our non-profit account for {$430.00} under the false name of XXXX - identities we ca n't verify because WE ARE NOT the XXXX, which is an unauthorized transaction. Upon speaking with the banker, he told me that the only thing I could do was close the account and file fraud charges. Due to this being a non-profit account with automatic daily deposits, we could not do that. He then told me that I could call the company and get my money back. This was XX/XX/2016. My bank statements show the correct amount of {$97.00} being automatically drafted from our account EVERY month under our correct name - and yet, the banker would not refund our money, in fact, were charged over draft fees on top of the theft from XXXX. I called all XXXX companies on XX/XX/2016 around XXXX. I was told what I mentioned above by the banker on that day, and was told by XXXX that they corrected the problem with the duplicate files and that XXXX will have to refund our money. XXXX said that it would be 30 days before I would hear if we were going to be able to get our money back. 1 ) our money was stolen ; 2 ) we have proven that we are not the XXXX ; 3 ) it is XX/XX/XXXX - 60 days later, and we 1 ) still do n't have our money back, 2 ) still have n't heard anything from anyone, and 3 ) are still receiving mail from XXXX in the incorrect names. I was told by my corporation 's treasurer, who is the VP in the fraud department at a different bank, that my bank could have refunded my money and made XXXX prove that the {$430.00} transaction was justified - meaning that they had proof that we are the XXXX.
11/06/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • FL
  • 34741
Web
BB & T bank is telling me I can not redeem my reward points that I earned from my credit card because it is less than {$25.00}. I was not made aware of that when I opened the credit card. I asked them if they could just take my approximate {$14.00} of reward points and just put it in my currently active checking account at BB & T but they said no. They instead told me they can only redeem those points in multiples of {$25.00}, which means that anyone that closes a credit card there will likely forfeit ( on average ), about {$12.00} of points. This to me is a scam. They are making it almost impossible ( or at least very difficult ) to redeem all of the reward points because if someone is say {$10.00} short of the next multiple of {$25.00} redemption amount, they would have to spend hundreds of dollars more on that same credit card just to get the final {$10.00} of reward money. That is totally unfair and very misleading. I told BB & T they need to pay me my earned points otherwise I will close all of my BB & T accounts ( which I will ). When I opened the account, they told me I earn 3 % on gas purchases, 2 % on restaurants, and 1 % on all other qualifying purchases. This is actually incorrect ( and misleading ). Since I can not redeem my points ( because I only earned about {$14.00} in points ), my effective reward is 0 % for all tiers ( no 3 %, no 2 %, no 1 % ). I don't remember them telling me anything about this rule when I opened the account so it may be hidden in the small print but my point is they did not make me aware of it as they are supposed to go thru the rules of the card at the time of opening and make them clear. This is a big disappointment to me as I feel I have been scammed. Had they made me aware of this restriction when redeeming points when I first opened the card many months ago, I would have declined the card simply based on that stupid rule. It seems to me that just about everyone who uses a BB & T credit card will eventually get screwed out of some of their earned rewards because of this ridiculous rule they are claiming is in effect. I know of no other bank that has this stupid restriction so it appears BB & T is being " sneaky '' about this.
12/22/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • FL
  • 33437
Web
BB & T 's response to a previous complaint raised other issues that we have heard for the first time - that they are not an authorized servicer. Throughout the course of this loan there has been lack of notice on many things including who is the authorized servicer. The last of notice being currently that we have not received notice that BB & T is not the authorized servicer along with the pertinent details that should be in such a notice. We have not been informed of who is the new servicer is and the pertinent details that should be included in such a notice as well. We discovered the fact that BB & T claims that they are no longer the authorized servicer as one sentence that was casually mentioned in the middle of a response letter received from BB & T to a complaint we filed with the CFPB regarding lack of notice on mortgage loan ownership dated XX/XX/2016. See attached letters, one dated XX/XX/2016 where BB & T claims that they are the authorized servicer and then on XX/XX/2016 where they casually mention the alleged change. We have received no other correspondence from them regarding this alleged change in who is the servicer of our loan and all the pertinent details that should accompany such notices. BB & T also knows that we are submitting a mortgage modification package and knowingly put us in a position where we have nowhere to send it as we have not received notice of transfer or notice from the new servicer. We feel that this is another deliberate attempt to thwart our efforts to execute options for us to retain our home that we have lived in for the last 18 years. We would like BB & T to answer each of the following questions directly, completely and not be evasive : - 1. Was or is BB & T ever allegedly an authorized servicer for XXXX who they allegedly claim owns the note, if so during what dates was BB & T allegedly the authorized servicer? 2. If now you are revealing that BB & T is allegedly not an authorized servicer for XXXX then who allegedly is the new servicer and since what dates. 3. When will we receive a notice of transfer of servicing from BB & T? 4. When will we receive a notice of new servicer from the new alleged authorized servicer?
08/07/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • VA
  • 241XX
Web
My name is XXXX XXXX. I am writing to you because of the dilemma I seem to have with getting my mortgage adjusted to compare with other upstanding and/or low standing citizens of this country. I am a XXXX yr. old self employed, divorced man that refinanced my primary residence ( thru BB & T ) in order to pay off my XXXX wife 9 yrs ago. The fixed rate on my mortgage was set at 6.35 %. I have attempted many times to refinance this mortgage. But, due to guidelines set after the meltdown in 2008, no one has offered to refinance my mortgage because I 'm self employed and do n't show a good enough income on my tax returns. I have held many mortgages in my lifetime and they were always in good standing.I own collateral real estate that should easily back me up on my existing mortgage. I 've been self employed in the XXXX XXXX XXXX for over 32 yrs. Other than the fact that the I.R.S. allows the self employed individual, that runs a service business, to write off many business expenses, I am better qualified than most refinance applicants. So, as far as I see it, this is blatant discrimination against XXXX ' hard working, honest, self employed individuals. Who knows where this might go, but I have no other choice, but to stop paying my mortgage to get some attention. I am a master electrician, plumber, mechanical tech and appliance tech. I pay my bills and take care of my responsibilities. Recently I have had some challenges that have influenced my decision to pursue serious negotiations with BB & T, i.e., XXXX and a XXXX, XXXX, XXXX XXXX XXXX, XXXX, moved my Mother into my home, basement flooded, XXXX. composite and tile deck disintegrated, Concrete patio and driveway are broke into many pieces, Heat pump needs to be replaced, XXXX roof needs replaced, My business truck XXXX was totaled, etc. The main objective here, is to lower my interest rate to 3 % or less, and switch to a 15 yr fixed mortgage and start all over with NO penalties, NO past due interest, No past due premium, No FEES!!! BB & T has taken tens of thousands of dollars from me over the years in interest and its time for a fair and reasonable business relationship or none at all. Sincerely, XXXX XXXX
06/08/2018 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Money was not available when promised
  • NC
  • 287XX
Web Older American
On XX/XX/XXXX I sent {$900.00} to my brother-in-law from my checking account with BB & T using XXXX. He immediately received a notification from his bank, XXXX XXXX XXXXXXXX, about the money. On XX/XX/XXXX I sent {$550.00} and again he got a notification from XXXX XXXX XXXX. We tried to download the XXXX app on my b-in-law 's behalf but got a reply of " alias duplicate registration ' '' several times. I called XXXX. Their Customer Service told me that I had to check with my bank so I called BB & T. The response I got was not to worry, that if he didn't claim the money, it would return to my account after 14 business. Meanwhile, we called XXXX XXXX XXXX, who turned us back to XXXX, and XXXX to BB & T. After several days of waiting, probably more than 10, XXXX XXXX XXXX mentioned that the phone number I used, and my brother in law got it from XXXX in XX/XX/XXXX, had previously been used by a customer who had an account with XXXX XXXX XXXXXXXX, to receive money thru XXXX. I inquired about the name and they said they couldn't provide because of privacy laws. I demanded that BB & T started an investigation. On the phone they said they couldn't do anything to help me. The woman who I spoke to tried to say that if I mistyped the phone # or the name, it's my responsibility. However, that's not the case, both are correct. The banks claim they can't release the name because of privacy laws but XXXX XXXX XXXX failed to verify that the name of the payee was not who I sent the monies to. BB & Tsent me a form with some questions to answer. It arrived very late so I brought it in person to a manager at the BB & T branch in XXXX NC. He notarized my signature and took the letter to send with their internal mail. But nothing else was informed. I don't want to be left in the middle. If BB & T endorses XXXX for money transfers, which they do in their literature and as a big slap in my face ... When I called and was on hold for more than 30 min, all I heard over and over, was how secure and fast and this and that XXXX is. But there was obviously a big flaw in safely transferring your money. I DEMAND THAT BB & T, XXXX AND XXXX XXXX XXXXXXXX, RETURN MY {$1400.00} IMMEDIATELY.
06/05/2015 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • NC
  • 27263
Web
BB & T called in XX/XX/XXXX and stated that my wife ( ex-wife now ) had XXXX unsecured lines of credit that were in default and that since we were married and that I had accounts there as well, it was my responsibility to repay them or they would damage my credit. At that point I agreed to pay them a minimal amount each month to keep this from happening. I paid on those accounts until XX/XX/XXXX when my attorney advised me that I did n't have pay anything that I did n't sign for especially, under duress. These accounts were called into question when they were reported to the credit bureaus and I started phoning BB & T since there is n't anyone in the branches that really assist you anymore. XXXX XXXX sent me copies of the signature cards for those accounts and I immediately became alarmed because the signatures were n't mine or my ex-wife 's. First of all I removed her from my account in XX/XX/XXXX and had no other financial dealings with her from that point. She tried to get me to let her get her pay check direct deposited into my account in XX/XX/XXXX and I refused. She asked what she should do and I told her to go and open her own account, so she did, but I did n't sign for it or even know where she went until I saw a statement come in the mail. When I got the call in XX/XX/XXXX from BB & T, that was the first time that I knew anything about the XXXX account that was opened in XX/XX/XXXX. Since she did n't have much money and she did n't have her own business, I do n't know why she needed XXXX accounts. After getting nothing corrected with XXXX XXXX, I started going to the branches and had XXXX separate branch managers tell me that those were n't even the correct signature cards for those types of accounts and they did n't even have the correct account numbers on them. These were forged and created to attempt to force me into paying these debts that I do not owe. Attached to this complaint I will send a copy of the police report, the forged signature cards, the affidavit, a copy of my past and current signatures and the same for my ex-wife, a copy of the fraud response from BB & T. You can plainly see that these are not the same signatures.
06/05/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Changes in terms mid-deal or after closing
  • FL
  • 33311
Web Older American, Servicemember
I am a XXXX-year-old widowed senior citizen who has been racially discriminated and scammed by XXXX XXXX. In the presence of my son who is my durable power of attorney was there to witness all of it, it started with the dealer demanding that I give them a {$500.00} deposit for the vehicle when I was already approved to purchase it by XXXX XXXX XXXX also including numerous unauthorized pulls of my credit report numerous times causing an extreme hit to my credit score. They also decided to use a lender of their own without my knowledge or approval. I took delivery of the car onto XX/XX/2019 in which the car m possession for approximately two weeks when all of a sudden I started receiving threatening phone calls from the dealership demanding I return the vehicle immediately or they were going to call the police on a XXXX-year-old woman and have me arrested for theft of a vehicle that I was already approved to purchase by XXXX XXXX XXXX on XX/XX/2019. Per the finance company they use, I did not qualify for the purchase of the vehicle due to the fact that when they called me for more of my personal information. I dont talk to anyone or give out any personal information or make any financial decisions without my son who is my durable power of attorney. I had already given the information at the dealership I advise them that my son has my durable power of attorney and in order for me to discuss personal information over the phone I had to have him present being that as I said before I am a XXXX-year-old widowed senior citizen who does not make any financial decisions without him because of such I was told because of this fact the lending company would not be able to finance me after having possession of the vehicle for over two weeks. I have called and I have made a corporate complaint with XXXX XXXX. I have tried to make contact with the dealership. Ive left several messages and they refused to return my phone calls. I feel that I was Taken for {$500.00} plus my credit ruined by XXXX XXXX. I was forced to buy another car and give another {$500.00} deposit at a subprime rate after losing my money and the car that I initially wanted and was approved to purchase.
07/14/2017 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
  • GA
  • 31909
Web
My wife and I stopped by BB & T located at XXXX XXXX XXXX, XXXX GA. The checking account is in my name, and as we are waiting for my wife 's permanent green card to arrive, the bank has not allowed us to place the checking account in both of our names or to open a joint checking account. I had two checks made out to my wife, one from XXXX and the other from a local hospital. The teller immediately refused to cash the checks because my wife 's name was not on the checking account ( we were in the drive through ). I explained why her name was not on the account, and he said he needed to look into the matter. I gave him my driver 's license, her driver 's license, and my debit card. After 20 minutes of checking he came back to tell me he could not cash another check I had given to him ( we had given three checks, the third was to me and my wife for a washer we sold as we were planning to move ). At this point we had been sitting in the drive through for 20 minutes, and our XXXX children under the age of XXXX were needing their naps. I walked into the bank to collect our IDs my debit card and checks ( none of which were cashed ). I asked to speak to a manager however the teller refused to let me speak with a manager. The teller 's name was XXXX, his shirt was untucked, and his overall attitude was very unprofessional. I left the bank, called and spoke with someone in the bank who identified herself as XXXX. XXXX told me that there was no manager in and that they were unsure when a manager would arrive, however someone would be in touch with me later that day to discuss what happened. No one called. I have dealt with a great deal of unprofessionalism at BB & T the last 2 years, and have had to email them regarding their employees conduct, unwillingness to help, and general cluelessness. These interactions do no inspire much confidence in BB & T. Still, no one from this BB & T branch has reached out to me to discuss what occurred which is why I am filing a complaint. I need to add that I took all three checks to a BB & T close to my home later that afternoon, and the local branch manager cashed them all without any problem. He could not have been any nicer.
07/11/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Shopping for a loan or lease
  • NV
  • 89123
Web
I, XXXX XXXX XXXX give permission to assist me in this matter that I am submitting today. I have called today to inform the credit agent to please submit my dispute to report the correct Account History field to read, " Debt included in Chapter XXXX Bankruptcy was filed and reported to Regional Acceptance Corporation in XXXX XXXX! XXXX continues to report incorrect information on my credit profile. XXXX is not properly validating the true file date of my BKXXXX to be XXXX XXXX to be reflected onto the ACCOUNT HISTORY field of my report, but keeps reporting the incorrect BKXXXX date as XXXX XXXX, XXXX. The credit agent at XXXX is making an attempt to fulfill my request to validate and confirm the correct BK-XXXX file date to Regional Acceptance to show is XXXX XXXX and NOT XXXX XXXX, which should not reflect any late payments prior to filing a sole petition alone and without my husband to correct my BK-XXXX is WHY its very important to change the Account History date field on my credit report. Please make the necessary corrections, this is to stay on my file until XXXX XXXX, and I want the revision completed as soon as possible! I have submitted documents from the credit reporters database to show the discrepancy and to have it fixed right away. I have also left a message ( XXXX ), for XXXX XXXX XXXX of Regional Acceptance Corp/BB & T XXXX XXXX to make this correction and re-insert this account back onto my account that was not supposed to be deleted off of my XXXX # XXXX, dated XXXX/XXXX/XXXX. it 's not supposed to be removed off any of my credit reporting accounts, and is to stay on my report until XXXX XXXX. Why are these companies getting away with violating FCRA laws? I am tired of the deceit and unlawful credit reporting that is done behind my back! These credit reporting agencies and Regional Acceptance has created costly damages to my credit scores that I will not be able to regain nor recover from XXXX XXXX. According to their letter dated XXXX XXXX, XXXX, Regional Acceptance was to re-insert the trade line - it was not done, and does not show in my XXXX report at all ... ... Will you please assist me in this matter? Thank you.
10/28/2016 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • GA
  • 313XX
Web
On XX/XX/XXXX I made an order online at XXXX, charged it to the debit card associated with my bb & t checking account. I realized I had done this and immediately and changed the payment method as it was supposed to go on another account for a family member. According to my check register, which i have to keep because bb & t 's online account info has always been misleading with their classification of pending, I had XXXX The order was for XXXX, and was marked as pendung unbeknownst to me. I noticed the pending discrepancy monday and contacted XXXX who confirmed that they had changed the payment and that they would not receive funds. Thinking the erroneous non charge would drop off, since it was already posted to the other account, i did n't act. I honestly had no inkling that bb & t would lock my account and post an overdraft fee with no pending status all in order to line their own pockets yet they did! When i called customer service I was bluntly and rudely told that amazon was in possession of the funds and that bb & t had nothing to do with the pending status-a blatant lie. Once I consulted documentation from bb & t and called back, I was eventually refunded the overdraft fee but the customer service representative was adamant that the funds would post the next day and I would be charged another. Of core bb & t 's pending status was released by the next morning and the funds were back in my account at the right amount. Even if id been given warning that the overdraft fee was going to be placed I would have made a deposit but they never assessed a pending status to it. Their practices are a ripoff, disreputable, and unscrupulous. In XX/XX/XXXX it was found that my grandmother who passed in XX/XX/XXXX had an open bb & t account of which we were not aware due to my dad XXXX 3 months after she passed. By the time we discovered this, because of social security scheduled deposits being suspended on death-which the bank had to have been aware of-monthly maintenance and penalty fees were assessed to a point that the remaining balance would n't buy lunch. Bb & t gladly accepted blood money and laughed all the way to the proverbial bank.
03/29/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • NC
  • 28269
Web
I have a BB & T Money Account and utilize this account to pay my bills. This account does not go into overdrafts and you are unable to utilize funds that are not in the account. On XX/XX/2018, I check my account balance and I had a balance of {$200.00} plus change. I utilized my card to make a XXXXXXXX XXXX purchase for {$19.00} on that day which posted on XX/XX/2018. I additionally performed another transaction for {$180.00} by visiting a BB & T banking center location and making an ATM withdrawal. On Thursday, XX/XX/2018, I checked my account and there was an overdrawn balance of {$190.00} and some change. How is that possible when there are no overdraft fees or the possibility of overdrawing on this type of account so how am I able to utilize funds that are not there. With this card, you can't even purchase gas at gas pump to avoid overdrawn balances. I reviewed my account and there were no unknown credits or deposits credited to my account. I reached out to the BB & T and inquired as to why I was overdrawn. They basically repeated my account activity but could not answer as to how I would be over to overdraw this account if the funds were not there. As I previously explained, I had an available balance of {$200.00} when I checked my account. BB & T couldn't answer as to why and submitted a problem resolution ticket. Every time I reach out to them for the resolution of this matter, I am only told that it is in review and they do not have an answer as of yet. Due to this bank error, I have experienced financial hardship and I feel as if they are not addressing my concerns because when my employer 's direct deposit credited my account on XX/XX/2018, it was {$190.00} preventing me from paying my entire rent which would have been possible if my account was not overdrawn when it credited my account. This is unjust and completely some type of error by BB & T which they are unethically failing to accept as their fault. This situation occurred soon after the big national news of their system failure that affected me as well. When that incident occurred, I didn't receive my payroll direct deposit for 2 days after the scheduled date.
11/02/2017 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • PA
  • 17601
Web
The local bank, BB & T took it upon themselves to transfer ( debit ) XXXX from a joint account used for paying bills to a personal account in order to pay themselves fees. My personal account has been in the negative due to a deceptive order of putting two checks ahead of debit card purchases. The funds were in my account at the time I made the debit card purchases, yet the bank did not post them in real time. Instead they posted two previously returned checks first days after the debit purchases, then the debit card purchases. This manipulation caused my account to incur fees that were well over the amount of each debit card purchase and the sole reason I had opted out of overdraft for my bank card. Simply put, the funds were in my account and held by the merchant at the time of purchase. This hold shouldve automatically become a charge at the close of the business day and posted by back office by midnight. Instead, back office rearranged the order making it look like there was no money at the time of purchases and hitting me hard with NSF fees. If I didnt have the money at the time of the debit purchases and I specifically opted out of OD for my debit card, how was I then able to make the purchases in the first place? I understand having to pay NSF fees for returned checks, but this deceptive practice on the part of the banks to get as many fees as possible should not be allowed. At the time of opening my accounts it was never told to me that along with fees the bank will also charge XXXX a day for being negative. I found my personal account hundreds of dollars negative in a short amount of time and tried to resolve it in branch unsuccessfully. Yesterday my account was now XXXX negative, the bulk of which was fees and the bank took it upon themselves to go into an *unattached* joint account, with NO PRIOR WARNING VERBAL OR WRITTEN, and steal XXXX which means bills I paid WILL BE RETURNED AND I WILL INCUR MORE FEES!!! I called customer service and spoke to XXXX who DID NOT WANT TO HELP. Transferred me to the OD department WHO WAS CLOSED!! My next complaint filings will be with the Comptroller and Attorney General.
07/20/2015 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • NC
  • XXXXX
Web
BB & T has built a history of questionable and in my opinion, illegal activity. My house burnt to the ground, Myself and my family lost every single piece of anything that was n't attached to our skin. My insurance company was trying to give us money so we would n't be homeless, after hours of XXXX XXXX and myself trying to get the bank to allow us access to the check they finally allowed it. We went to purchase basic goods with this money and our card was declined. We called the bank and were told that we were only allowed to spend a certain amount. This was our money that the bank spent all that time to approve us to have, they approved it to be our funds and then did not allow us to purchase what we needed to. This money was ours and the bank said they do n't allow us to spend more than a certain amount of our own money. We called all the way to the executive offices for BB & T and were told the same thing, the bank was holding our money without our consent. Previously the bank has taken our XXXX funds, when we called we had to go to XXXX different departments because everyone said they had no idea where my money went, finally when I got to the " right '' department they said they took my {$2500.00} and were holding it because they said I deposited too much into the account, they did n't give MY MONEY back for XXXX more days. Recently they closed my account without notifying me in any way. When I called they said it was because I used the account too much, again MY MONEY that they keep feeling like they can take, hold and make disappear whenever they want. Even when they knew my house burnt down and I had nothing they still did not even think about allowing me access to MY MONEY so I could purchase things for my family. This bank charged an " OLB banking '' fee for a year after I cancelled a connected account but only credited the month that I called to complain about it, they have duplicated transactions and put us into overdraft and said they only would " forgive '' XXXX overdraft exception per year. The XXXX, NC Branch needs to be investigated but their entire executive team down to their branch has shown issues.
11/17/2017 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • NC
  • 27513
Web
I have tried to find a way to fix XXXX overdraft fee caused by one transaction with BB & T. But, they insisted this is not banking error. What happened is my checking account has balance of {$190.00} on XXXX. I set up a electronic debit of XXXX on XXXX. BB & T charged me a XXXX dollars overdraft fee because they mentioned my autosdraft of XXXX dollars on XXXX is in pending mode on XXXX and my balance is not enough for XXXX. Then, the pending XXXX dollars finally appeared on my account on XXXX caused another XXXX dollars. So, My XXXX dollars balance does not even have enough for XXXX of XXXX transaction. This is not fair to a general bank consumer like me because : 1. My online bank information on XXXX does not indicate I have less than XXXX with a pending transaction. 2/ Even though the first overdraft fee is legit due to the pending status, the second overdraft fee does not make sense just because the same transaction goes from pending to posted. I am still very positive this is a banking error. But, BB & T does not want to admit this because they simply do n't want to hurt their reputation. Their complain resolving team even tried to convince me about this using their service agreement and it took her XXXX minutes to get the terms for the first overdraft fee. But, she ca n't even find the second overdraft fee is caused by status changed from pending to posted in their term. Here is what I see from my online banking transaction : Date Description Check # Type Amount XXXX XXXX, XXXX Posted Balance : {$91.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC BB & T XXXX CHECK DEPOSIT Credit {$200.00} XXXX XXXX, XXXX Posted Balance : - {$100.00} XXXX/XXXX/XXXX OVERDRAFT FEE Debit {$36.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX CARD RECURRING PYMT POS {$43.00} XXXX XXXX, XXXX Posted Balance : - {$28.00} XXXX/XXXX/XXXX OVERDRAFT FEE Debit {$36.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Debit {$190.00} XXXX XXXX, XXXX XXXX XXXX, XXXX Posted Balance : {$190.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX RECURRING XXXX PAYMENT Debit {$300.00} XXXX/XXXX/XXXX PAYROLL XXXX XXXX IN XXXX XXXX XXXX ACH CREDIT Credit {$500.00}
09/19/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • KY
  • 426XX
Web
On XX/XX/XXXX I spoke with XXXX XXXX XXXX ( XXXX XXXX XXXX ) about a loan to pay off BB & T banking c/o XXXX XXXX XXXX XXXX XXXX.Within a week she requested me to get a title lein deed from BBT. XXXX XXXX told me after researching BBT has not been assigned or a first lein holder since they gave me a loan back from XX/XX/XXXX Apparently, BBT lawyers done a title search and also did not follow-up onthe final title to record at the court house. MERS corporation was holding the title from ( not to my knowledge ) my previous loan company after BBT have me a home loan went bankrupt and MERS had the title. It has been since XX/XX/XXXX and i have been through 3 loan officers being passed around BBT to fix the problem and produce a title deed to finish a loan with XXXX XXXX XXXX. My county clerk XXXX XXXX XXXX ( ( XXXX county Ky XXXX XXXX XXXX ) ) informed me that Mers sent a title to record but sent it to the wrong page and book number. Which means BBT has not had a lein on this property due to their lawyer not filing the paperwork correct and not caught MERS making the correct entry. I am not savvy at Banking jargon but if CFPS representatives call XXXX XXXX and XXXX XXXX they can explain exactly what is happening. XXXX XXXX informed me that any bank according to ky law statures only has 30 days to produce a title clear of leins to be paid off by another bank It has been 75 days and counting. My financial situation has changed and i need to refinance to go from XXXX to XXXX per month payment. I am on the verge of going into foreclosure and bankruptcy if this is not corrected soon. BBT has made excuse after excuse and i have been passed from XXXX XXXX ( XXXX XXXX branch ) to XXXX XXXX ( XXXX office ) and not to XXXX XXXX ( XXXX office ) I need to get this refinance loan asap or lose everything i own. BBT is making no effort to help. I paid XXXX dollars 13 years ago in title insurance and closing costs for BBT to do their job on getting a clear title and recording correctly. If i were to pay this loan off, sell or go into estate upon my deceasement i could not get a clear title due to their incompentence in doing thier job.
01/27/2019 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Didn't receive terms that were advertised
  • MD
  • 21202
Web
I opened a new BB & T Bright Banking checking account at XXXX XXXX XXXX XXXX branch ( XXXX XXXX XXXX, XXXX, MDXXXX ) on XX/XX/XXXX. I was assisted by XXXX XXXX XXXX, a branch banker whose contact number was XXXX. After finding out that the advertised bonus was not credited, I visited the branch in person on XX/XX/XXXX and found out that he was no longer working there. According to the checking promotion when opening the account, using U app by BB & T bill payment service to initiate 3 online bill payments of {$25.00} or more each from the the new checking account within 75 days of account open date ( XX/XX/XXXX ) before XX/XX/XXXX and maintaining a good standing ( no XXXX or less than XXXX balance ) checking balance per statement cycle for 120 days after account opening, I should have been credited a {$200.00} bonus within 4 weeks of meeting the requirements. I met those requirements in early XX/XX/XXXX and the bonus was never credited. I can provide the promotional card and account balance details downloaded from BB & Ts online banking. After the 4 week waiting period, I visited my new banker XXXX XXXX at the XXXX XXXX branch in person on XX/XX/XXXX and was told that she couldnt resolve the issue at the branch level, would submit the case to the marketing team, and someone would get in touch with me within 24 to 72 hours. However, I never received that call. Eventually, I reached out to the customer service on the phone and hoped to get help from them. They confirmed my personal information and told me that they need more research on my case and hung up on me twice without giving me a case number that I could have followed up with. In addition, the customer service representatives never called me back for further assistance. At that moment, I realized that no matter how many times I call, I would get the same answer all over again. Furthermore, when I was opening the checking account, I double checked with the former banker on the authenticity of the promotion and he confirmed it. I have never experienced this degree of dishonesty before. It seems no one in BB & T is actually willing to look into the case.
08/25/2017 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Non-sufficient funds and associated fees
  • AL
  • 351XX
Web
I maintain a separate account for my bills ; this account also has an overdraft protection account ( OPA ). On XX/XX/XXXX, my account balance was {$0.00} and the available balance in the OPA was in excess of {$300.00}. On the night of XX/XX/XXXX I had an ACH debit in the amount of {$36.00} which overdrew my account ; however, should have been easily covered by my OPA. Instead, this transaction was not covered by OPA and was assessed a NSF fee of {$36.00}. Subsequently, on XX/XX/XXXX, I had a credit of {$450.00} in addition to a debit for {$380.00} the same day. Since the transaction on the XX/XX/XXXX resulted in my account being negative {$72.00} ( {$36.00} plus {$36.00} ) the additional credit and debit ultimately resulted in my account being overdrawn {$2.00} which again resulted in an NSF of {$36.00}. I contacted BB & T to question why the ODA did not cover the {$36.00} on XX/XX/XXXX. According to the representative, XXXX, the amount of pending bill pay transactions ( which were to be debited from my account on XX/XX/XXXX ) were on " hold '' which then prevented the ODA to cover the transactions. I explained that although the funds were on " hold '' they were not scheduled to be debited from my account under XX/XX/XXXX which at that time there would have been sufficient funds in the account. XXXX explained that a 'hold ' is placed on the account for pending bill pay transactions once the transactions are in the " processing '' status, which is completely different and will negatively affect hundreds of thousands 'grandfathered ' clients. NOTE : I, the consumer, has not knowingly been notified of any changes to the BBT bill pay system or the manner in which transactions will be held/handled from the processing to paid status through BB & T 's bill pay. XXXX offered to reach out to the IT department when I questioned if there had been a change to the way their bill pay services worked. XXXX stated that the IT tech said that they have converted accounts from past mergers/acquisitions to BB & T 's bill pay system. I was not notified of the conversion and the impact/difference between the two bill pay systems.
12/20/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • SC
  • 29710
Web Servicemember
On XX/XX/2018 we realized that someone had stolen checks from our business account and cashed three checks in three different locations. BB & T did not contact us that there was fraud against our account and we would have not known if we didn't check the account religiously. We immediately called BB & T. We were told by customer service that there was nothing that they could do and that we needed to shut the account down and open a new one. I immediately got off the phone with the bank and went to my local branch to close the account. The banker informed us that we could not close the account until the fraudulent transactions where credited back to our account. They were not helpful at all and did not care that we were frustrated that someone stole money from our account and we were not notified by our bank. They just kept saying that we needed to contact the fraud department and work it out. Well, 3 weeks have gone by and we are still missing one credit for the amount of {$270.00} authorized on XX/XX/18. Today on XX/XX/2018 I went back into my local branch in XXXX XXXX, South Carolina to see why our money has not been credited back yet. Keep in mind that the person that stole our checks signed his name and didn't even try to forge a authorized users name. I spoke with the banker who was very rude, rolled her eyes at me several times because of me expressing my frustration and proceed to tell me that there was nothing she could do that we needed to be patient. BB & T has a policy that after 10 business days they stop the investigation. Its been well over 10 days. The banker even asked the fraud department the same question and they said that it takes time and we needed to wait. No one can give us a straight answer as to why its taking so long for the refund. BB & T employees have admitted that this should have already been resolved as the check was clearly signed by a unauthorized user. I think that 3 weeks is plenty of time to figure this case out and should refund our money immediately. We feel that we are being mistreated as customers and just want this issue resolved so that we can close this account.
04/26/2016 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • PA
  • 175XX
Web
On XXXX XXXX, 2016 I made a deposit to my checking account of XXXX. On XXXX XXXX, 2016 money was swept from my overdraft protection line of credit and a sweep fee ( {$12.00} ) was assessed. When I contacted the bank via the customer service phone number XXXX explained that it appears a hold was put on my account and I wanted to understand if the fee would be reversed once the deposit cleared. This question could not be answered and I was told my name was going on a list to be contacted by a manager. Almost two weeks went by and I never heard from them. On XXXX XXXX I contacted my branch ( XXXX office ) and explained that I 'd like to know if my fee can be reversed since my deposit has cleared. I also asked why I was never told a hold was being put on my deposit. She explained that if I flipped my deposit receipt over I would see the hold notice. She also explained that they do not typically reverse these fees since I am made aware of the hold, however, in this case I was n't. I made my deposit through the drive-up and they could have simple told me a hold was being placed but nothing was said to me other than, 'Thank you have a great day '. Prior to BB & T taking over Susquehanna Bank a hold notice would have been mailed the same day or the following day and a verbal notification would have been provided at the time of deposit if the decision to place a hold was known. I feel that this practice is deceptive to the customer and is increasing BB & T 's fee revenue at our expense. Please note : The front of the deposit receipt looks exactly the same whether there is a notice on the back or not, so there is truly nothing telling you to flip it over and read the notice. Since the branch manager is on vacation I still have not gotten a resolution. I think BB & T should verbally inform their customers of their decision to place a hold or at least tell them to review the hold notice provided on the back of their deposit receipt since the decision to place the hold has already been made at the time of deposit. I do n't believe Reg. CC was meant to increase fee revenue as BB & T appears to be utilizing it.
03/23/2017 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • NC
  • 28270
Web
I believe that Executives and Branch representatives at Branch Bank and Trust XXXX XXXX XXXX misled me into opening business accounts with account service fee structure.that they then immediately changed in order to charge more fees. Account executives knew the changes were occurring at the end of 2016 but did not properly notify account holders. Statement " notices '' were inadequate considering most customers do not access statements in online banking web sites and instead look at screen transactions. Proper disclosures were NOT made for online customers and I believe the bank is guilty of violation of UDAP, since they misled me personally into a price structure that they knew would change to the very one that I had rejected with another bank. When I called my " personal banker '' to question the fees in XXXX she said that the fees were overdraft fees ( which was incorrect ). Since she misrepresented the fee this caused another month 's worth of Service fees to be charged to all of my accounts. She did not disclose the new fee structure when I complained and said that she could not waive fees ; that the " corporation office '' was free to change fees without notice. It is hard to believe that BB & T executives did not know that they would catch many unsuspecting business account owners by surprise and create a big spike in their fee revenue for the year! I believe that banks in general, and BB & T in particular, create artificially low " come on '' fee structures to get customers to change banks, then change the terms without proper notice. Since it takes so long ( 4-6 months ) to change business bank accounts banks should be required to give PROPER legal notice AND sufficient time period for customers to change banks before they levy fees. They should also be required to disclose new " substantial '' fee changes and increases in multiple forms ( customer email and online banking notices and/or emails ). I believe this is a well designed plan to rip off consumers and small business owners and implore you to open a class action complaint and fines against this flagrant violator.
11/16/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • WI
  • 53216
Web Servicemember
I received a letter " Notice of Right To Cure '' from XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX through regular mail delivery at my home address mailbox. The letter is dated XXXX XXXX, XXXX, yet I received the notice on XXXX XXXX, XXXX, an obvious gap of six days due to XXXX internal delays and mailing said notice by regular mail delivery not by express, registered, nor certified. Subject of the letter Account XXXX. XXXX Retail Installment Contract dated XXXX/XXXX/XXXX, Covering XXXX XXXX XXXX XXXX XXXX XXXX XXXX The letter states " XXXX XXXX, XXXX, is the last day for non-payment of an amount due {$1300.00} to cure the default if I do n't pay by the due date we may exercise our rights under the law. These rights include the right to repossess the Vehicle. If you object to us taking possession of the vehicle, you may notify us in writing, no later than 15 days from the date of this notice ( Which I previously stated in this complaint, I received the letter XXXX XXXX, XXXX, not by registered or certified mail service. ) demanding we proceed in court. '' I responded to this letter in a reasonable and timely manner by mailing my response in a " Certified Letter, '' on XXXX XXXX, XXXX ( within 15 days of me actually receiving the notice ). USPS tracking system verified my letter was delivered to XXXX on the date of XXXX XXXX, XXXX. In the letter, I objected to repossession and demanded XXXX XXXX XXXX proceed in court.I have not received further written communication from XXXX XXXX XXXX since I received the said notice nor since I responded to it in writing. On XXXX XXXX, XXXX XXXX violated my right ( 15-day Rule to Respond ) to proceed in court by repossessing the said Vehicle from my residence. This action by XXXX violates State of Wisconsin Statutes. In my opinion, based on the above-outlined experience with XXXX XXXX is a Predatory Lender seeking to rack up as much money from its clients by charging them racketeering high-interest rates when other lenders have refused to offer reasonable finance charges to those with challenging credit histories yet full employment status.
09/27/2019 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Trouble during payment process
  • PA
  • 19014
Web
On or about XX/XX/2019 BB & T sent a letter to me stating they have suspended my ability to obtain advances on my line of credit. They stated because I have delinquent credit obligations with other creditors. This info was obtained by BB & T thru XXXX. I pulled my credit using the Annual Credit report website and chose XXXX. My credit history with all but one creditor was in good standing. The creditor in question was a card my wife and I had in both our names. She put some dental work on the card and forgot to pay it and didn't even realize she was behind until my line of credit was frozen. I called BB & T XXXX PA Branch and spoke with XXXX XXXX NMLS ID XXXX. She was also the person I spoke with when I applied and obtained the loan in the first place back in XXXX/XXXX 2019. She looked into it and she called me back, said that the line of credit would be frozen for a year. I was in shock. I have plans for this money in the next 12 months and now everything must be placed on hold. She suggested a formal request to unfreeze the a/c to escalate the problem in the BB & T company. I received a notice stating that again my line was frozen because of the same delinquent account and would remain frozen. Also, this loan was opened with a variable rate. I asked if the could be fixed so I can build a payment plan to pay the line of credit off as soon as I can. She looked into it and got back to me, she stated that no, the loan can not be changed from a variable to a fixed for the same reason as the suspension, delinquent account. The delinquent account that caused this mess is now caught up with the payments and in good standing. My credit report reflects this. Its outrageous. I work hard on my credit to be in good standing. All of my other accounts are impeccable. One credit card with a {$600.00} balance that was grossly overlooked and my HELOC and all the plans I have for it is in jeopardy. How I want this to be resolved is 1. I want the suspension to be lifted from my HELOC and be able to use the funds immediately and 2. be able to lock the HELOC into a fixed rate loan.
08/25/2016 Yes
  • Bank account or service
  • Checking account
  • Making/receiving payments, sending money
  • NC
  • 27712
Web
I stopped in the branch to check on auto loan options for my son. While I was there, I paid the debit balance in my BB & T checking account which had been closed. At the recommendation of the personal banker, I opened a money account based on the fact it did not have check writing and I could not go below XXXX. I told her this was the account I was going to pay my mortgage modification loan. She printed out a sheet with the routing number and account number to give to XXXX Mortgage. I made deposits to cover the amount of the loan and called XXXX around mid month to make the first payment. Everything seemed to work properly, unfortunately a letter came almost 7 business days later telling me the payment was not accepted because I provided incorrect bank information. During this time I also noticed other quarks, such as not be able to fill up at the pump without going in and having the attendant process my request. I went back to BB & T, showed them the letter from XXXX. I had XXXX people confirm the account information and there should be no other problems. I went home on XXXX XXXX and called XXXX to make the payment. Again, no red flags, until the letter from XXXX arrived stating the information was invalid, I did not make the payment on time, and they rescinded my modification offer. I went back to the BB & T branch with the XXXX letter. It took several phone calls to find out this money account does n't recognize XXXX party ACH payments even if the money is XXXX XXXX in the branch knew about this restriction. I had the personal banker write a letter to XXXX on BB & T letterhead stating I was not aware of this feature. I called XXXX and submitted letter from BB & T for consideration of extending the modification offer. They said they did n't care. The money was not paid is all they were concerned about. Then they fast tracked the foreclosure of my home. Just yesterday I found out another feature of this account not told to me, I can only deposit cash or another BB & T check into this money account. Again, something I could have been pointed out to me.
06/19/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • NC
  • 27607
Web
I purchased an XXXX XXXX XXXX ( VIN # XXXX ) from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX, on XX/XX/XXXX. The car was financed for approximately {$26000.00} by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX VA, XXXX, Phone : XXXX. The monthly payment for the car is {$600.00}. Currently, the amount due on the car is {$1500.00}. The car payment became behind effective XX/XX/XXXX. The car was repossessed by XXXX XXXX XXXX without warning or compromise on XX/XX/XXXX. I contacted the contact several times on XX/XX/XXXX to make financial arrangements to retrieve the vehicle. I was informed that {$2500.00} in order to retrieve the vehicle. I asked what was included in the {$2500.00} and I was informed that the past due amount of {$1400.00} ; late charges of {$60.00} ; and {$540.00} for the repossession fee. There is a {$490.00} from the total amount they gave me ( {$540.00} ) and the various fees. I was never told where the additional fees were coming from nor was I granted the opportunity to even pay the amount in order to retrieve the vehicle because I had someone else driving my car at the time the car was repossessed. I have been contacting XXXX XXXX XXXX every day since XX/XX/XXXX without resolution. I was informed on Monday, XX/XX/XXXX, that my request for retrieval was denied because someone else was driving the car when it was repossessed. Then I contacted the company on XX/XX/XXXX about making arrangements for the person to retrieve their belongings, I am told that I will be emailed a form for me to submit and it has to be approved. The financing is holding the belongings of the car hostage! Every time, I contact them I am transferred to several people and always end up with they are in meeting. Someone will call you back which no one never does. I went online to XXXX ( XXXX XXXX XXXX ) and found that the company has over 200 complaints against them regarding their predatory practices. I would like this company investigative in-depth and either the vehicle returned or any negative reporting on my credit reports regarding the purchase of this vehicle removed.
10/09/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • AL
  • 366XX
Web
My wallet was stolen, and attempts were made to use my credit cards. I filed a police report, and they located the people who were using, and attempting to use, my credit cards. The detective handling the case needs information about the attempts to use the cards. One of the banks refuses to provide the information even though both me and the detective have been to the bank on three separate occasIons ; I filed a complaint with the bank 's complaint line, I called the fraud department three times, I wrote the XXXX. I've gotten no response. At first, the bank refused to provide the information, saying that only if me and the detective went into a branch together. When the police detective and I went to the bank together, a woman helping us showed us the attempted uses of my card on her computer screen but refused to download it or take a screen shot for the detective, saying she " couldn't ''. I read off the information and the detective wrote it down by hand. When he took the investigation to the DA 's office, the DA wanted him to get a bona fide transcript of the time, date and location of the times the thieves attempted to use my credit card. I went back to the bank, requesting a print-out of the attempts to use my stolen credit card. The woman was on vacation and nobody else could get the information. I called the fraud department again, and was told that this isn't the first time he's heard of this problem and that I should get a " warrant '' -- I think he meant subpoena. Why should the police have to issue a subpoena to get information to prosecute people committing credit card fraud? Why does the bank refuse to cooperate in prosecuting credit card fraud? There is something really wrong going on here because the last fraud department person I spoke to told me this isn't the first time people have called saying the bank won't cooperate. I can not view the bank 's actions in any other light than aiding and abetting credit card fraud, and apparently that policy is institutionalized within the bank. This needs to be investigated.
02/11/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Opening an account
  • Account opened as a result of fraud
  • NC
  • 273XX
Web Servicemember
In XXXX BB & T gave XXXX XXXX XXXX two depository Checking accounts without my Signature in the name of XXXX XXXX XXXX, XXXX. This was FRAUD. Once he obtained these accounts he captured XXXX income deposits into these accounts, wrote himself checks made out to CASH, and had them CASHED by local XXXX BB & T branch Tellers XXXX XXXX and others. These checks made out to CASH total well over XXXX from XXXX to XXXX. These statements where directed only to XXXX XXXX home address and not the address of the XXXX. In addition to this CASH XXXX XXXX initiated various LOC ( Lines of Credit ) in XXXX for XXXX with BB & T. He placed this ALSO in my XXXX owned business name of XXXX XXXX XXXX. XXXX. Theres been numerous Complaints filed against BB & T with both the XXXX and CFPB and most recently now the SEC complaint has been XXXX as well. BB & T has demonstrated it Corporate Williness to LIE, Fabricate, and attempt to cover up this FRAUD and even Forged Bank Documents. Cases where filed in XXXX VA, where it was discovered the local Judge had a Deep Family History with XXXX XXXX XXXX which was later acquired by BB & T. This XXXX was asked to Recuse himself from these matters, yet he has refused to do so. BB & T has hired lawyers, who are caught on various Emails Apparently Stalking my house, which has also been XXXX at during the time this was reported back in XXXX and is still ongoing to this very Day in XXXX. BB & T its XXXX and XXXX leadership has demonstrated a direct and open williness to engage in all sorts of Tactics to Deny any rights to " Due Process ''. Its is my further opinion that the SEC should investigate this Bank and should find that my statements a Truth and have well documented Standings. XXXX United States XXXX and the CFPB should report this to the XXXX and proper authorities to investigate and ban BB & T from completing any such Merger with any other Banks giving them more power and control. These are serious allegations and I am stating the Truth and have FACT to back that up in many forms. Too much to even begin to upload here.
06/13/2015 Yes
  • Bank account or service
  • Savings account
  • Account opening, closing, or management
  • DC
  • 20017
Web
I was cheated by BB & T and the BBB could not handle the case and I am asking your help. My XXXX savings account was from XXXX opened in 1996. The bank was taken over by BB & T. I decided to let go of my high pay job and went to School. I wanted to close my savings account and I had plenty of Money in the checking account. The teller told me not to close it because if I had sufficient fund in the checking account there will not be any fees. I did not have that in writing, because I was banking with BB & T for many years. After XXXX months I found out that there is a monthly service charge of {$7.00} on a dormant account. I questioned the charges and they refuse to refund the money. When I went to close the account, they asked me to bring lots of ID to reactivate the account in person. Later I got a mail notice saying my account is active and please call to deactivate the account. I asked the manager saying if I was dead, would the money be depleted through service charges without letting my relatives know about the account and she said yes. She could not find any means to refund the money. I contacted XXXX, and their complain office for BB & T is in North Carolina, the same office of the BB & T head quarters. They did not intervene on my case, but acted as a medium for communication. When I tried to contact XXXX by writing I did not get any response. So please help. I have all documents and proofs. BB & T only refunded XXXX of the service charges and refused to refund the other half. Few things : If a customer dies, there is no written notice to the client or relatives regarding the balance in the bank. Second, The meaning of " BANK '' for savings is no longer applicable in BB & T because their business practices does not allow written notification regarding dormant accounts. Third the term " dormant '' is unfairly XXXX way. I can not as an account holder withdraw the money without ID, but the bank can enjoy deducting money till it is empty. When I went to activate it. they need all the ID and they wanted me in person. Please help.
08/17/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • KY
  • 410XX
Web
I have been depositing checks with BB & T and every time I do so, the XXXX, Kentucky branch of BB & T puts an extended hold on my check deposits. The branch located in XXXX, Kentucky at XXXX XXXX XXXX, XXXX, KY XXXX, continues to put extended holds on each of my check deposits in violation of the Expedited Funds Availability Act. I deposited a {$700.00} check on XX/XX/XXXX using the ATM at the branch in XXXX, Kentucky, and made another deposit on XX/XX/XXXX for two checks {$700.00} and {$1300.00}. The {$700.00} deposit that I made on XX/XX/XXXX, the branch did not release those funds until XX/XX/XXXX. The BB & T branch put an excessive hold on the XX/XX/XXXX deposit for {$700.00} for no reason other than because it was for more than " {$500.00} '' dollars. I spoke with a person named XXXX from the BB & T branch in XXXX, Kentucky on XX/XX/XXXX, who couldn't explain why they were putting excessive check deposit holds on my account. She called me on XX/XX/XXXX and said that on XX/XX/XXXX, they were releasing {$100.00} from the check deposits of {$700.00} and {$1300.00} that were made on XX/XX/XXXX, {$100.00} on XX/XX/XXXX, and the remainder XX/XX/XXXX. She then said that they were placing the excessive holds to make sure that the checks would clear, when there was no reason to assume they wouldn't. One of the checks was from XXXX XXXX. The BB & T branch in XXXX, Kentucky is violating the Expedited Funds Availability Act by placing excessive check deposit holds on my account. The BB & T branch is engaging in unfair business practices with their excessive holds on my check deposits. When asked they can't explain why they are placing excessive holds. The XXXX, Kentucky BB & T branch employees gave me the runaround as to why they are placing excessive holds on my check deposits. First they said it was because the deposits were for more than {$500.00}, then they said that it was because the account was less than a year old, neither of those are reasons under the Expedited Funds Availability Act to place excessive holds on my check deposits.
02/17/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Application, originator, mortgage broker
  • TN
  • 37660
Web Older American
I applied for a {$55000.00} loan against my current home which has no mortgage. I went to my local BB & T branch to do so but they called a dept. in another state. While at the branch the loan officer on the phone took information and was made aware that I was a long time customer. He told me what information he would need. I gathered all the info, took it back to the branch the next morning where they scanned and emailed him the documents. I asked that he rush the loan through. A week later he called and asked for all the same info again. He had let it sit for 7 days without doing anything. The loan finally made it to the appraisal process. BB & T made the appraiser aware of it on a Tuesday, he came on Friday and submitted the appraisal to them on Sunday night. Another week and a half went by. The loan officer asked for XXXX more pieces of info she said was supposed to be attached to the home. The appraiser had asked for the same info and was given it from a file I kept on the home, he took a picture of it and said I had everthing he needed. By this time, 22 days had passed. On XXXX XXXX, 2016, I sent an email asking BB & T to cancel this loan application as I had obtained a loan at a local credit union. Five more days later, she responded, 'Okay, thanks for letting me know '. When I received the appraisal in the mail, XXXX of the pictures was not even of my house and XXXX of the comments was not describing my house. On XXXX XXXX I received a Reason for DENIAL form letter with a check mark by Value or Type of Collateral Not Sufficient. I contacted the original loan officer who told me that wether they deny or I withdraw a loan, they mark it as a denial. For example, since I did not submit the document they requested because I withdrew the application, they mark it as a denial because documents were not submitted. After further questioning he said Federal Guidelines dictated this. The FDIC has confirmed that this is not correct. BB & T should have listed this loan as a withdrawal by the consumer and that is what I want them to do.
11/24/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • FL
  • 33428
Web
I have a business checking account at BB & T. On XX/XX/2019, I attempted to deposit a check into my account and I received a message stating that I was over my monthly mobile deposit limit. I was confused because it was the first of the month and I had not deposited any checks since the previous month. I called BB & T and they said that I couldnt deposit checks into business accounts via the mobile app even though I had done that before. I was instructed to open a personal account, into which I could deposit checks via the mobile app. I was told that if I opened the account online I would have immediate access, that I could link my personal and business accounts, and immediately be able to transfer money between them. On XX/XX/XXXX, I opened my personal account online. Though I successfully opened online, I did not have online access as I had been promised. Because I was traveling in an area where there were no BB & T branches, I could not go into a branch until XX/XX/2019. In the intervening time, my business account became overdrawn. I had the money in my personal account to bring it back into the black, but BB & T could not make the transfer until I went into a branch. During this time, I incurred an astonishing {$320.00} in overdraft fees in my business account because I had no way of transferring money between the two accounts. When I went into the branch, I met with XXXX XXXX in XXXX XXXX County, Florida. She investigated the accounts and told me she would link them and that I would have online access in XXXX hours. The online access still never material, I was not able to transfer money and I received an additional {$36.00} overdraft fee. This brought the total to {$360.00} in overdraft fees. I had only opened the second account on BB & Ts advice ; I could have had my customer send a bank wire directly into business account in the first week of XXXX to keep the account positive. My TOTAL deposits between the two accounts was always positive. I requested a refund and was told they would not refund any of the fees.
03/02/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • KY
  • 415XX
Web
My mortgage is with BBT, I have property tax and insurance escrowed. My loan is {$170000.00}, my monthly escrow is {$370.00}, my appraisal is {$230000.00} and assessment is {$2300.00} due in XXXX each yr. My escrow balance was {$4000.00} and my account has never been late.I signed up for online banking 2 weeks ago and saw BBT debited my escrow for {$16.00} to pay my property taxes. Now this is not a new loan, the bank has a file with my property description, value, name on tax ticket, and of course the correct amount due because I pay escrow & they do a Escrow Analysis each year. I checked with the XXXX XXXX Tax assessor web site and saw my taxes were delinquent and a 21 % penalty.This is a huge problem because property gets sold and then you have to go thru a 3rd party to buy it back. I was so shocked because I know Banks have strict rules that govern paying escrow payments on time and accurately. After multiple phone calls and BBT employees telling me the bank will pay and I would not be responsible for the penalty, I sent faxes and finally a legal " Notice of Error '' to document my written request. My taxes were finally paid after 2 weeks but BBT also charged my escrow for the {$550.00} penalty.My position is that Red Flags should have been raised when they issued a {$16.00} check to pay my taxes. Where are the safe guards, common sense and professionalism in paying {$16.00} in taxes on a large mortgage? They are blaming me because they paid the wrong tax ticket. They paid a ticket on XXXX acres unimproved hillside property, valued at {$1600.00} in SOMEONE ELSES NAME. I have nothing to do with the tax assessor office, I do n't know my tax # unless I look it up. The bank does however have my file and all info. Because they paid the wrong ticket, they are charging my account for the penalty. The Bank has an agreement with me that we both signed to pay my taxes on time, and I do n't see any ifs, ands or buts in the agreement. All they had to do was be proactive, check the tax web sight & they could have avoided this disaster.
04/10/2018 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • TX
  • 75068
Web
On XX/XX/XXXXmy bank account was frozen. I contacted BB & T ( my bank ) they stated there was a judgement against me. When they provided the name it clearly didn't belong to me. I was directed to the attorney for judgement/order - XXXX XXXX who requested proof that the account didn't belong to their debtor. I requested the bank to furnish letter, account owner information and signature cards multiple times. I was told by the bank that they couldn't locate that info at the moment. After 8 days of requesting more info the bank finally furnished the restraining notice along with their Q & A from subpoena onXX/XX/XXXXwhich irrefutably verified and documented I was NOT the debtor and the debtor had nothing to do with my bank account. My account was levied that day after 8 days of being on hold for {$1800.00} which was all the funds I had in my account. This debt does not belong to me and my account is not associated with this defendant in question. All of my funds have been taken. BB & T was legally responsible to verify that the bank account levied was titled in the debtor 's name and that ownership matched the judgement. Title did not match, ownership did not match, and in fact the Q & A documentation that BB & T sent back to the attorney verified that the debtor in question is not associated with the bank account that was levied and that the account was not titled in the debtor 's name. None the less, BB & T still allowed the levy to proceed in spite of the facts which is highly suspect and raises reasonable doubt of BB & T 's practices. The bank account number the attorney added does not belong to the debtor ; BB & T must now be held responsible for my losses. The attorney added my bank account number and BB & T knowingly allowed the levy even though that bank account was not titled in the debtor 's name and did not belong to the debtor. I would appreciate your support holding the bank you are suppose to be governing responsible for irresponsible and fraudulent misconduct. This is completely unjust and unethical.
09/06/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • TN
  • 37912
Web
I recently applied for a mortgage loan with BB & T bank and was connected with XXXX XXXX. I submitted my completed loan application on XX/XX/19. Both me and my realtor expressed the need to be expedient since the seller had already accepted my offer. XXXX rarely responded to any form of communication. She has not once called since the application was submitted. I emailed her several times asking for an update. I was finally able to reach her several days later when she confirmed that one of my documents came through blank. After asking repeatedly for updates regarding the process, she informs me on XX/XX/19 that there are dispute comments listed on my credit file. I immediately called all three bureaus and requested to have any dispute comments removed. I received confirmation that this was completed and forwarded them to Ms. XXXX. She insisted that the dispute comments are still on my file. I called all three bureaus again and received confirmation from each that they were in fact on the reports, but have been removed. I pulled my credit myself from each bureau to confirm that all the disputes had been removed. We were approaching our deadline to have the home inspection completed so I reached out for an update again to see where we were with the financing. Since Ms. XXXX did not respond to either me or my realtor, I called the bank directly and requested her manager 's number. Upon speaking to her manager, she immediately texted me and informed me that my loan was denied due to the disputes. I have provided everything Ms. XXXX has requested from me in order to process the loan within hours of her request. Regardless, she was very uncooperative. I believe that the loan was denied because I reached out to complain regarding the service. Due to her lack of professionalism, I will lose the opportunity to purchase this property. I would like someone at the bank contact me regarding the service I received. I also have copies of the text messages, credit reports, and unanswered emails that I would be more than happy to supply.
12/03/2017 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • VA
  • 23223
Web
On XXXX XXXX 2017, I went to BB & T at XXXX XXXX XXXX XXXX drive thru. My intent was to simply cash a check and to make a cash deposit into my checking account. The original teller asked what did I need help with and she was given the above request. She walked off and another teller named XXXX came to the Window. She took the check and cash and make a deposit. When she gave me a receipt, I reiterated that I wanted to cash the check and only deposit the cash. She apologized and stayed she would void the transaction and re-do it. After this was done, she finally have me the cash from the check and she said other the money had been deposited as it originally should have. I drive off and continue on with my day. I check my account a few hours later to find out my account was overdrawn the actual amount I made the deposit for. I called the bank manager XXXX who stated she would call the operations manager and have my money reinstated to my account by end of business day. End of business day comes and I did not hear from XXXX nor any one from BB & T. As the consumer I was extremely upset because I had employees to pay which did not get paid and also accumulated late fees on bills that 's were due that day. BbandT finally refunded the money but was short {$100.00} of the original cash that was given to the teller and it also did not include the overdraft fees. I had to call XXXX back once again who said she would fix the problem. The overdraft fees finally were refunded but still missing the full amount originally deposited. I went into the branch and spoke with XXXX branch manager who could not clearly explain what happened to the rest of my refunded money. She referred me to operations manager who also did not refund the money. I also asked that the cameras be pulled and and interview with the teller that created this disaster. Still nothing and they refuse to refund the missing money. I will never recommend or bank with the financial institute ever again and I will not stop making complaints until my money is refunded!
09/28/2018 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Struggling to pay mortgage
  • FL
  • 331XX
Web
It is important that the CFPB review and post this complaint as a matter of public interest. On XX/XX/2018, The Second District Court of Appeals of Florida issue a decision of great public importance regarding the enforceability to a HELOC note in the State of Florida. The second District Court of Appeals came to the same conclusion as to the Fifth DCA Court of appeals and held THAT A LINE OF CREDIT ( HELOC ) WAS A NONNEGOTIABLE INSTRUMENT BECAUSE IT WAS NOT FOR A FIXED SUM. THE HELOC NOTE FALS TO REQUIRE THE PAYMENT OF A FIXED AMOUNT OF MONEY, MAKING IT NONNEGOTIABLE INSTRUMENT. AS SUCH, IT WAS NOT SELF-AUTHENTICATING. THE HELOC NOTE IS NOT A SELF-AUTHENTICATING NEGOTIABLE INSTRUMENT. BY ITS OWN TERMS, THE NOTE ESTABLISHES A CREDIT LIMIT OF UP TO XXXX FROM WHICH WE COULD REQUEST IN ADVANCE AT ANY TIME. FURTHER, THE NOTE PROVIDES THAT ALL ADVANCES AND OTHER OBLIGATIONS WILL REDUCE YOUR AVAILABLE CREDIT. THE HELOC NOTE WAS NOT AN UNCONDITIONAL PROMISE OR ORDER TO PAY A FIXED AMOUNT OF MONEY. WITH OR WITHOUT INTEREST OR OTHER CHARGES DESCRIBED IN THE PROMISE OR ORDER. THE DISTINCTION IS NOT ESOTERIC LEGALESE. FLORIDA LAW IS CLEAR THAT A NEGOTIABLE INSTRUMENT IS AN UNCONDITIONAL PROMISE OR ORDER TO PAY A FIXED AMOUNT OF MONEY. 673.1041 ( 1 ), FLA. STAT. ( 2012 ). IN XXXX XXXX XXXX V. XXXX XXXX XXXX SECOND DISTRICT FLORIDA COURT OF APPEALS, THE APPELLANT ARGUED BEFORE THE COURT THAT THE ENDORSEMENT ON THE NOTE WOULD MAKE THE NOTE NEGOTIABLE AND THEREFORE ENFORCEABLE. THE COURT OF APPEALS HELD THAT EVEN WITH ENDORSEMENT PLACED ON THE HELOC, THE INSTRUMENT IS NONNEGOTIABLE BY ITS OWN TERMS. IT IS NOT A FIXED AMOUNT TO PAY A SUM OF MONEY, RATHER IT ESTABLISHED THE MAXIMUM AMOUNT OF BORROWING POWER EXTENDED TO A BORROWER BY A LENDER, TO BE DRAWN UPON BY BORROWER AS NEEDED. SEE LINE OF CREDIT BLACK LAW DICTIONARY, 949 ( 8TH ED. 1999 ). AT THIS JUNCTURE WE ARE GOING TO FILE AN INDEPENDENT LAW SUIT AGAINST BB & T BANK FOR ENFORCING THE TERMS OF A HELOC NOTE WHERE IN THE STATE OF FLORIDA THE INSTRUMENT IS NONNEGOTIABLE.
02/05/2018 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other service problem
  • FL
  • 337XX
Web
In the XXXX. of XX/XX/2018. I enrolled through my bank site using XXXX. I initiated a transaction in the amount of {$600.00} to my daughter for XXXX XXXX. I was immediately advised by email the transaction was under review. Frustrated, with contradictory marketing of the application ( which conveyed funds would be transmitted in real time ) and the fact it was a bank offering BB & T ( I knew funds were available and I had not been advised of anything being wrong with my account ). I contacted their customer service number and selected option 4 which pertained to XXXX and spoke with representative XXXX XXXX. I was advised my account was not in a fraud status but, the transaction was being reviewed for fraud. I conveyed I wanted to cancel the transaction and un-enroll from using XXXX. I conveyed I felt it was urgent my daughter receive the funds in that her appointment was Monday. I was placed on hold and upon his return to the line, told I could do neither. I then later, went to the bank when it opened. I was serviced by XXXX. Poor XXXX really did not understand XXXX as a bank offering, and after much dialogue, she called internally for support. She was told the transaction would not go through. I checked my phone and could see emails confirming. I physically removed the funds. I went to XXXX and used XXXX. I briefly spoke with the banks customer service representative XXXX, as I was leaving. She felt I would be able to cancel my relationship with XXXX. I tried her method and could not do so. I e-mailed her but, have yet to receive a response. Today I noticed after accessing every vehicle of protocol the bank offered. The bank has not canceled my relationship with XXXX ( an application which requires you to give access to all your contacts in your phone book ). And the bank actually took the money out of my account. I will go to the bank physically to have funds refunded. But, I wanted to advise the CFPB so they could insure the bank is providing the consumer with accurate/upfront information about XXXX.
11/21/2016 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • PA
  • 16803
Web
XXXX. Bank in question : BB & T, XXXX. Problem : I have an existing account, a basic senior citizen checking account. The account was opened when the bank was XXXX XXXX, now taken over by the unfriendly mindless outsider, BB & T from XXXX. They are completely clueless. I was sent an e-mail, informing me that my new printed checks and ATM card were ready for pickup. I had a mind-numbing conversation with XXXX XXXX, at XXXX XXXX XXXX XXXX branch.. Phone number XXXX,. Fax XXXX, e-mail : XXXXXXXXXXXX. I presented my expired XXXX driver 's license ( no longer drive : laminated plastic including, my photograph, plus a Blue Cross/Blue Shield card, embossed by Blue Cross with my name, an XXXX XXXX member card, also bearing my name, and my official Senior Citizen XXXX-issued bus pass, valid anywhere in the state of XXXX, funded by proceeds of the state lottery, also bearing my full name, card number XXXX. BB & T REFUSEDto hand over my new card and checks, stating that, their doofus " policy '' required a current photo identification card. I explained to XXXX XXXX, several times, that I wanted my money, earned thru years of XXXX. She claimed she would NOT be able to comply with my request without the silly photo i.d . card. UNACCEPTABLE. I deposited the money, a United States Savings Bond, XXXX, assuming I could spend, my personal savings towards a few items I planned to purchase prior to XXXX holiday ; XXXX, a digital camera, a few gifts for family members, etc. BB & T is holding MY MONEY hostage. I demand both state and federal agencies with oversight of banking regulation compel BB & T to answer the question : Why ca n't I withdraw MY MONEY??????????????????????????? BB & T should be, held liable for my incovenience.. Someone should be compelled to testify, under, oath, concerning BB & T 's mysterious attitude towards cosumers, which is cold, non-caring, and simply not acceptable. BB & T should leave the state if this the norm. XXXX consumers demand and deserve better. Period. I served FOUR YEARS XXXX.
07/31/2016 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • PA
  • 17404
Web
On XXXX/XXXX/16 i was charged an overdraft fee of {$36.00}, not once was i notified of being over drawn so i had no chance to correct my banking mishap before being charged justly. Called into their XXXX BB & T support line XXXX after speaking with the rep was told i was given a reversal short of right after BB & T took over Susquehanna bank and they can not reverse the fee as its policy they only credit it back once per customer. The fault is mine for the money not being there the fee is their fault for not properly notifying me as the consumer to get the issue resolved ... it could have been days before noticing my account was overdrawn which for them would be a sweet {$36.00} a day still not notifying the customer of such issue. Spoke to the supervisor who refused to reverse it as a supervisor still has no rights to credit it back manager etc so policy 's jacked. Supervisor advised i am correctly signed up for all email and text alerts and that tech team will call the following day to troubleshoot the issue with alerts, the following day got no call from the techs had to manually call back in. Speaking with the tech, who refused to open or look at the ticket # i provided right off the cuff, not till i got irate did he then look at it and say it honestly means nothing -- he then told me that they lied and i was not set up for text alerts. XXXX department to another they can not get their answers straight as they are at fault and still refuse to credit back the fee in their negligence to notify me properly. Then also i found out tonight they charge customers a fee of {$2.00} per call after your first XXXX calls in the billing cycle not once was i advised of such fee and then again unjustified have been charged without a word edge wise to prevent such fees. This needs to be corrected and they need to get straightened out as they are making a killing robbing from their consumers. Thank you for taking the time to review this request and any actions taken to resolve this matter. Have a great day folks!
01/29/2019 Yes
  • Debt collection
  • Mortgage debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MI
  • 48307
Web
On XX/XX/XXXX I contacted BB & T and asked and received a payoff amount for my Home Equity Line of Credit. My goal was to payoff a higher interest rate loan. I authorized BB & T to Debit my DDA for the Payoff Amount and received a confirmation number and days later a confirmation Letter indicating the payment to my Home Equity Line had occurred.When my XX/XX/XXXX statement came it showed BB & T SPLIT the XX/XX/XXXX Payment and credited a portion to my Home Equity Term Loan ( which carries a lower rate ) and applied the remained to my Home Equity Line ( which carries a higher rate ). The result of BB & T splitting my payment allowed them to keep a balance on the higher rate loan rather than paying it off as I requested. For two weeks I made 7 calls to BB & T to correct their decision to Split my payment which kept a balance on the higher rate loan. Finally, I involved North Carolina 's Office of Commissioner of Banks. So, after 7 phone calls to BB & T and my contacting North Carolina 's Office of Commissioner of Banks on XX/XX/XXXX the Split Payment was reversed and Applied to my higher rate Home Equity Line as I requested on XX/XX/XXXX. HOWEVER, due to BB & T Splitting the XX/XX/XXXX payment the Authorized Automated Home Equity Term Loan Payment due for XX/XX/XXXX was not processed by BB & T 's Account System. Then when BB & T Reversed the Split Payment on XX/XX/XXXX - BB & T did not process the Authorized Automated Home Equity Term Loan Payment for XX/XX/XXXX - they just left the Home Equity Term Loan Past Due. The result was - I received a Collection Call and a Collection Letter threaten Credit Bureau Reporting for a past due payment on my Home Equity Term Loan - which all occurred due to BB & T Splitting my payment request in order to keep the higher rate Home Equity Line with a loan balance and charge a higher rate of interest and charge late fees. I have BB & T documentation which confirms this tragic occurrence of a Big Bank 's effort to swindle and take advantage of a consumer.
11/24/2017 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • TX
  • 794XX
Web
On XX/XX/XXXX I reported to my bank ( BB & T ) that there were unauthorized charges on my account. Shortly after they closed the card and sent me a replacement and reversed the charges. The problem is that they sent the new card to an address I never authorized them to use as I did not receive mail there ( I did for a brief period ). I even called them on XX/XX/XXXX at XXXX to ensure that they had the correct address on file as I was having trouble with my credit transactions ( where you have to use your zip code ) and their customer service associate assured me that the address on file was the address I authorized them to use. On XX/XX/XXXX ( XXXX ) I called in and they advised me of the error and told me they would delete the wrong address they had on file, but I would need to call back to request a new card. When I called back on XX/XX/XXXX at XXXX requesting a new card they advised me it would be 5 to 8 business days before I would receive it ( I 've already gone 11 days without access to my bank account ). When I requested it be expedited they told me that I would be charged a {$35.00} dollar fee which they would not waive. When they canceled the debit card that was sent to the wrong address and requested the new debit card they told me I would be charged a {$5.00} fee that they could n't waive at the time and could not guarantee it would be waived if I called back. They recommended that I step into a branch if I was unsatisfied with the time it would take to receive the card, but the nearest branch is 120 miles away ( one way, 240 miles total ). This service is unacceptable as everything that 's happened was no fault of my own and my bank refuses to take accountability of their errors. I 've accepted that I wo n't be able to buy presents for my family during XXXX XXXX ( the best day to buy gifts ) but now I ca n't even buy groceries or put gas in my car and I pray that I do n't blow a tire or have any other unforeseen issues come up as I have no way of paying for it.
02/11/2017 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • NJ
  • 085XX
Web Older American
my original bank was bought out by XXXX, no problems, Then BB & T bought out XXXX, Then the problems started, my original contract on my Line of credit overdraft protection, both other banks honered my original contract, If i over drew I would pay no fees, id pay back {$50.00} plus a few dollars interest, BB & T is chargeing me {$3600.00} dollars everytime, sometimes $ XXXX.I was never told this or was given any paperwork stateing such fees would be charged or incurred. I am a XXXX on fixed income, They have made my credit line max out from these fees, so now they are running up take started out as {$35000.00} missing out of my account, each month, Then it went up to {$750.00} missing out of my account, it is having a snow ball effect on my income. I cant afford my Morgage threw XXXX second morgage threw BB & T, in which that Home Equity was taken out in 2006 with the Original bank XXXX, Now I cant afford Food, I am going to loose my car, My home, and not be able to put food in my stomach. This is illegal practices and XXXX Abuse, I am asking you for your help in rectifing this matter, I am asking you to have them put ever fee they have charged me since they took over my bank from day one to present, If not I will be taking legal action against them and you if need be, Until all those fees are put back in my bank account, You are here for the consumer from fraudulent practices, and are paid by me and many taxpayers, we the consumer and the tax payers bailed the banks out for issueing undocumented loans fraudulant activities to begin with, now this is another scam by the banking industry to become predators against those same taxpayers that bailed them out, If I have to Right my Mayor, my congressman my senators and my President Donald J. Trump, if said money is not put back in my account, Looking forward to your help and cooperation in this matter,. Yours truly XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Home XXXX Cell XXXX BB & T bank is located XXXX XXXX XXXX XXXX NJ XXXX
03/26/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • AL
  • XXXXX
Web
XXXX To XXXX, XXXX Tax ID # XXXX we are a Substance Abuse Out patient facility. I took family leave XXXX XXXX because my father has XXXX and was starting a new treatment. I was out the office for 63 days. I left the business bank card in my office drawer for office needs. While I was out the card was stolen when staff realized that the card was stolen XXXX XXXX Branch Manager at BB & T was contacted and notified! XXXX XXXX told XXXX our employee that his name was not on the account so he could not file a claim! XXXX XXXX failed to put a stop on the card and XXXX continued to have fraudulent charges made. When I returned I went into the Branch on XXXX XXXX, sat down with XXXX XXXX and went through the account. XXXX XXXX told me that the account closed 3 days prior to me coming in and that he would have to manually put a fraud claim in and that it would take him 2 days. Weeks went by with no response fro XXXX XXXX when I spoke with someone in fraud department I was told he never flied the report. After the fraud department reached out to XXXX XXXX with no response from him I was instructed to contact the CEO Chairmans Line. I spoke with XXXX at XXXX XXXX she took the claim I informed her that the pin number was with card because because some merchants will request the pin and she stated that this was a unique situation but that should not be a problem! She then informed that XXXX XXXX told her that his computer was down and he tried to put it in and when he could not he said oh well and did nothing else. XXXX XXXX refused to call the detective who was working the case. I received nothing in writing, email or phone call! I call into the fraud department to follow up today and was told that the claim was denied because staff had access to the pin and my company money would be refunded! I was told that a request for payment was sent to the branch and ant the manager XXXX XXXX denied twice! As of today I have not spoken with XXXX because he doesn't return calls or emails!
04/09/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
  • NJ
  • 078XX
Web
On XX/XX/2018, I ( XXXX XXXX ) ordered an official cashiers check at a local BB & T branch located at XXXX XXXX XXXX XXXX XXXX, SC XXXX. The check was made out in my name ( XXXX XXXX ) for XXXX XXXX XXXX XXXX XXXX and XXXX cents ( {$2100.00} ). I requested this check on my own accord because I planned to close my account at BB & T and place the remaining funds into my XXXX XXXX savings account. I endorsed my name on the back which is verified by the scanned images attached to this document. On XX/XX/2018 the check was electronically deposited by my mobile device into my XXXX XXXX Savings account. Please refer to Attachment No. 1 scanned document of the cashier check. On XX/XX/2018 my XXXX XXXX savings account had an adjustment debited for the amount of {$2100.00}. Once I was made aware of this I had started my own investigation process to determine where the funds were transferred to. On XX/XX/2018, I met with BB & T Branch Banker XXXX XXXX to discuss my account issue and to determine where my funds have been transferred. After XXXX XXXX research, she informed me that the funds had been physically deposited a second time to a XXXX XXXX XXXX location in XXXX, SC. The account belonged to an individual that opened the account at XXXX XXXX XXXX location in Virginia. Under XXXX XXXX recommendation, I filed a police report with the XXXX XXXX Police Department. I contacted an investigator at XXXX XXXX and informed them of the situation. XXXX XXXX launched their own investigation into the account and sent a copy of the second deposited check with alterations made to the bottom of the endorsement line. Please refer to Attachment No. 2 scanned document of the altered scanned document. The check was taken from my possession and wrote a Pay to ( Person 's Name ) description with a signature under my own endorsement. This was conducted without my knowledge or permission. I requested that BB & T and XXXX XXXX banks investigate the matter and have received no attention or concern.
01/20/2016 Yes
  • Bank account or service
  • Other bank product/service
  • Account opening, closing, or management
  • PA
  • 19406
Web Servicemember
BB & T purchased Susquehanna Bank. They are a horrible bank. I have a checking account and a line of credit which includes a fixed loan and the line of credit with them. I tried to take XXXX from my checking account and apply it to the principal balance on my line of credit. They, on their own, decided to split the XXXX between principal and interest on the line of credit and fixed loan. I called and fought with them about fixing this. Supposedly they fixed this but since then I have been locked out of my credit line account. You can see the balance only, but NO transactions, so I have no way of knowing if anything was corrected. I have called the branch manager and the IT dept., who XXXX can not access my account. Their IT dept informed me that they are aware of the issue and it was supposed to have been fixed on XXXX XXXX, but hope now to have it fixed by XXXX XXXX. So I have NO access to my account for 2 weeks. They told me they are trying to create an entire new web site, since the old XXXX is messed up, they new one also does n't work. Meanwhile, IT IS MY MONEY AND THEY HAVE BASICALLY LOCKED ME OUT FROM VIEWING IT, AND THEREFORE USING IT. I received a monthly statement from them which shows a fee/service charge for {$57.00}. I have no idea what that is, and i can not find out about it since I am locked out. Besides that, when I called the bank to find out about the fee, they can not find it as well. They have no idea what it is, no one there seems to know anything, but they have access to all my money, but can not tell me anything. THIS IS NOT A CORNER DELI, THIS IS A BANK. This is so entirely unacceptable. I have never heard of a bank with issues like this, I feel like they have stolen my money. There should never be a time when you can not access your accounts ; I do understand that they need to update their systems from time to time. That is usually late at night for a several hour window. This is for several weeks and should be against the law.
10/19/2016 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • GA
  • 30213
Web
I deposited Cash in the amount of {$960.00}. The following day I deposited a check in the amount of {$550.00}. When the ATM machine read the amount it said {$650.00}. There was not an option to change the amount. I know that the bank teller will retrieve the check and enter the right amount upon receipt. On Monday XXXX XXXX my brother deposited XXXX cash into my account. Now the check is on hold and I a being charged a overdraft fee for several transactions.. I spoke a XXXX XXXX at the BBT Address : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX She was extremely rude and told me that since I made the mistake at the ATM, which I did n't that was the reason I was receiving a overdraft fee. The overdraft fee is now XXXX. I can not get anyone to help me resolve this issue. I spoke with 5 people at the bank and everyday I am being charged a new overdraft fee. I spoke with XXXX XXXX at the XXXX XXXX Branch, XXXX XXXX at the XXXX XXXX Branch and XXXX XXXX. I also spoke to a XXXX XXXX at the call center in Texas. She took my complaint and advised that someone would get back to me within 24 hours. I emailed the Branch manager at the XXXX location for assistance, but he was on a conference call and has not gotten back to me regarding the overdraft fees. The date for these transactions were XXXX XXXX, 2016. BBT is constantly charging me overdraft fees. This is ridiculous and costing me a lot of money. I was also charged an overdraft fee on XXXX XXXX. I was told by the Customer Service rep that there was a n my paycheck from my job check that I have been receiving weekly. The total amount of charages was {$200.00}. I had XXXX in the account. I want to know why I was charged {$100.00} in overdraft fees. This bank is ripping me off and I need help please. I am on XXXX from a XXXX where my XXXX. I am in XXXX to rise. I need to know if BBT is going to be responsible for any additional medical treatment I may need from the XXXX of all this.
06/27/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • MN
  • 55412
Web
My husband ran the car into a pole, attempting to avoid a dog in the street. The care was deemed a total loss on XXXX/XXXX/2016, my due date for payments is on XXXX/XXXX/2016. I thought the claim would be finalized by then, but it was not. I made over 15-20 phone calls to the insurance department at Regional Acceptance, and XXXX XXXX in the insurance area. I asked XXXX. Acceptance to expedite my claim, for XXXX XXXX of XXXX XXXX claims adjuster phone # XXXX. Claim # XXXX, to verify information, my claims adjuster was waiting for a letter of guarantee, of which the process took 4-6 weeks to send this letter. The process was taking so long, that I spoke to XXXX XXXX at regional Acceptance about the amount of time it was taking to complete the process, so she offered an extension, of which I was not sure why I needed an extension on XXXX/XXXX/2016, until XX/XX/2016. The process was not completed by XX/XX/2016. The timeliness of XXXX XXXX is unacceptable. I have never in my life, known for a total loss to take almost 3 months to complete. The Gap Insurance process my claims in a matter of days once everything was received XXXX XXXX XXXX XXXX, claim # XXXX. All of the information can be verified by calling any of these entities, in fact, I am enclosing additional information. I do believe I owe any more money, these is time limits on when and how much time these process should take and I should not have to be penalized for someone else lack of good customer service in processing this claim. The amount of time it took to process this claim is unacceptable. I never received a call from XXXX XXXX ever. I just got excuses for Regional Acceptance for the length of time it was taking. The amount is unfair. I do appreciate your time in considering this matter. The amount of my payment each month is XXXX, but the amount Regional acceptance reports is still owed is XXXX, for two months and no one can give me an explanation as to why it is this amount.
10/31/2017 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Fee problem
  • GA
  • 30680
Web
I opened a checking and savings account with BB and T in XXXX, Georgia. The bank ordered me a debit card. I never received the debit card from them so I requested a new card be sent to me. They sent me the new card but the bank accidentally attached the debit card to my savings account instead of my checking account. I used my debit card as usual ( thinking it was attached to the checking account ) and on XXXX XXXX, XXXX, I was charged a XXXX time activity fee of XXXX for excessive withdrawals/used of my debit card. I called the bank on the XXXX and the customer service agent said he could refund me XXXX. That is not nearly enough. I visited the bank on XXXX XXXX XXXX. I went into the bank to speak with them XXXX XXXX XXXX XXXX when I noticed the statement activity fee charge and the phone call only resulted in the XXXX credit. They immediately took that debit card saying it was a mistake, and they issued me a new debit card attached to the correct account. They said they would have to forward the issue to an upper level manager for approval to reimburse the funds. In the meantime, there had been an additional XXXX} in activity fees also added to my XXXX statement for the same problem. ( Charges prior to me visiting the bank to inform them ) Total activity fees that have been charged to me for excess use of my savings account was XXXX It has been XXXX weeks and I have not been reimbursed. I have called and emailed many times and no one is able to solve the problem as of yet. I did not know that the card was attached to the incorrect account, my phone app that the bank said to use showed both accounts as checking and the amount was not taken each time I went over rather it was charged as a XXXX time large fee at the end of the month so I would have had no idea there was a problem until I read my bank statement. This is an excessive amount of money that I would like to get back asap so I can pay my bills. Thank you so much.
03/22/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • TX
  • 758XX
Web
I purchased a New XXXX Dodge Dart from XXXX XXXX. This vehicle was a Lemon and at XXXX miles the Head/Upper Engine Block failed, I took it to be repaired and after attempting to blame me until I verified the Oil I performed my XXXX oil changes with as being appropriate The dealership repaired the vehicle. My confidence in the vehicle was broken and I went online to XXXX to complain. The XXXX company responded via a Public relations spokes person. I received a XXXX % employee discount and rebates toward the purchase of the vehicle. Unknown to me at the time of purchase the cost of the Lemon was " rolled into '' the cost of the new purchase. I am now contracted to pay XXXX on a vehicle appraised at XXXX In addition I testified against the Veterans Administration and gave congressional investigators information. The VA retaliated and my pay was affected. I went to work for the Texas Department of Criminal Justice and currently earn XXXX LESS per month. This affected my ability to pay my XXXX loan payment monthly. After receiving and recording threatening Phone calls from Regional Acceptance Corporation, I asked for a supervisor to speak to me regarding my case. The Head of the XXXX office spoke to me and arranged a separate arrangement wherein I paid XXXX per Month to " Catch Up ''. I made Five Payments, those payments were documented as being XXXX with the consumer credit bureaus and the website. It is notable that during this good faith payment attempt, I was purposely mis-documented and reported, a repossession order was claimed and shows up on my credit reports. When repercussions of my ongoing retaliation from the VA again affected my Pay, The account was closed and Because I was unable to make more than a good faith payment on one occasion. I formed a trust because I am unable to continue making exorbitant payments on a XXXX Dodge Ram of XXXX when the value of the vehicle at its highest possible valuation is XXXX.
11/28/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • FL
  • 33133
Web
HAD AN ACCOUNT WITH BB & T BANK, ALL WAS FINE UNTIL I HAD A LITTLE ISSUE WITH SOME TRANSACTIONS THAT WERE BOTH CHARGED TO MY BB & T ACCOUNT AND MY CREDIT CARD FROM AN ALTERNATE BANK BECAUSE I WAS TOLD IT GOT DECLINED AT BB & T. 1 ) CALLED TO DISPUTE THE CHARGES -- TOLD TO SEND IN SUPPORTING DOCUMENTS ALMOST 2 MONTHS AGO. SENT THEM THE DAY REQUESTED BY RESPONDING TO E-MAIL FROM THE DEPARTMENT. 2 ) CALL IN MULTIPLE TIMES TO FOLLOW UP, NEXT THING IS MY ONLINE BANKING GETS TERMINATED BY BB & T, I GET CHARGED OVER 1500 IN FEES TO MY ACCOUNTS WHEN I CAN NOT ACCESS THEM AND I WAS OUT XXXX. 3 ) CALL AND VISIT BRANCHES MULTIPLE TIMES TO SEE THAT MY ACCOUNTS ARE ACCRUING FEES AND I CANT GET A RESOLUTION. 4 ) A MONTH LATER I GET SOMEONE WHO '' PLACED BLOCK ON ACCOUNT '' WHO SAYS ALL CLAIMS DENIED FOR NOT SENDING DOCUMENTS IN. NO ONE TOLD ME SHE DIDNT INPUT. I SENT THE DAY REQUESTED. TOLD ME TO WAIT ANOTHER MONTH TO GET CREDIT SHELL RESUBMIT AS I SHOWED HER PROOF E-MAIL WAS SENT A MONTH AGO. 5 ) RELUCTANTLY CREDITS ME ALL CHARGES AND FEE 'S. AT THIS TIME WHEN I GOT THE CREDIT THEY BLOCK ALL MY ACCOUNTS BECAUSE THEY WANT TO STALL FEE 'S AND CREDITS AND KEEP XXXX IN OVERDRAFT AND SINCE THEY DENIED CLAIM WRONG THEY WILL GET BILLED AND DO NOT WANT TO CREDIT ME. 6 ) LIED TO TOLD THEY WOULD GIVE ME MY MONEY AND FIX AND UBLOCK. 7 ) THEY KEEP RUNNING ME AROUND FROM DEPARTMENT TO DEPARTENT AND IT ALL LEADS BACK TO ONE PERSON IN CHARGEBACK DEPT WHO CLAIMS SHE REFUNDED ETC. ITS A SCAM.. THEY ARE STEALING MY MONEY AND WASTING TIME. THEY ARE CROOKS. TOLD ME NOW XXXX TRANSFER IS UNDER INVESTIGATION AND CANT RLS HOLD. MY FIANCE SENT ALL MONIES CLEARED BY HER BANK ... I CALLED XXXX WHO SAID NO ISSUES, AND THEY ARE SAYING NOW THEY NEED ANOTHER MONTH ... THEY CAN CALL / AND IT WAS NOT AN ISSUE TILL I GOT THE CREDITS. WORST CUSTOMER SERVICE IN WORLD. FALSE STORIES ALLIGATIONS ... THIS SHOULD BE ILLEGAL. PLEASE HAVE SOMEONE CALL ME ASAP.
11/06/2017 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • TX
  • 77802
Web
On XXXX XXXX, XXXX, I received a XXXX notification that an account had been opened at XXXX XXXX XXXX XXXX XXXX BB & T ) XXXX Texas branch using my social security number. Immediately XXXX attempted to contact BB & T, but no calls were returned. A couple of weeks later, another XXXX notification indicated some account activity at that branch. A three-way conference call between myself, XXXX and " XXXX '' from the XXXX XXXX took place and the issue was discussed. XXXX said she was unable to determine or view which documents were used to verify identity and open the account. a. I find this response odd as identification should be provided when an account is open, and this information should be accessible by parties in the bank with high-level access. During the call, I was assured that XXXX would contact the person who opened the account and that verification would be determined. She was to return my call within two days. Three days went by and I had not received communication from the XXXX XXXX, so I called them back. XXXX told me she was 'meeting the client that night after hours to verify identity '' and that I would be called back the very next day! a. I find this statement odd. Since when do bank managers meet clients after hours to verify the identity of a person when it should have been provided when the account was open? Now four more business days have transpired and there has been no contact in any form from BB & T. I reached out again today to speak with XXXX and was told she was out of the office until Thursday. It is VERY frustrating that an account can be opened using someone else 's SS #, and that the complaint of such activity has to be escalated to this level. My experience with banks and credit unions are that I always have to provide identification, and that information is kept. I see no reason why the XXXX XXXX can not explain how my SS # was used and that proper identification was not gathered.
04/13/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem accessing account
  • VA
  • 22204
Web
From XX/XX/2017 to XX/XX/2017, I worked for a company and started a High Deductible Health Plan which included an HSA managed by BB & T Bank. I received a card in the mail and made contributions through my paycheck. I switched jobs and moved to another company, and thus switched insurance plans and was no longer contributing to the HSA account. By the time I left the job, I had the card but did not have documentation on setting up an online account. I also was sent a letter informing me that there would be a maintenance fee for inactivity because I wouldn't be contributing. To close and roll the funds over to my current HSA, I need information such as the full account number, HSA custodian name and address so the current HSA can coordinate the funds transfer. In XX/XX/2017, I called the number on the back of my HSA debit card ( XXXX ). They tried to locate the info, and with no luck, and after some time, I was told to call a different number ( XXXX ). I called that number, and they tried to locate the info, and with no luck, suggested I call a different number, which was the first number I called on the back of my debit card. Basically I was being referred in a circle. In XX/XX/2017, I went to a BB & T branch, hoping my physical presence would help get the info. A helpful employee tried to look up in their systems with no luck, and then tried calling the same two numbers I had called myself, with each referring to the other. While this was humorous, it did not bring me closure to getting my money back. I don't know what else to do to get the information to close this account and transfer the funds to my current HSA. I fear that a substantial amount of money is now gone due to those maintenance fees when I attempted to close the account multiple times some time ago. The inability to access this info prevented me from closing the account and likely has resulted in maintenance fees being charged to the account.
08/26/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • TX
  • 770XX
Web
I helped my son, XXXX XXXX open a checking account on XX/XX/XXXX, and I funded his account with direct deposit coming out directly from my company, XXXX. Everything was working fine until on XX/XX/XXXX when their fraud department called him and tried to verify his account. They tried to get him to confirm his ssn, and since it was an incoming call, of course he wouldn't provide any personal information. The person on the phone threatened to freeze his account if he won't answer those personal questions but he had no choice. He insisted that he would call back which he did. The account at that time was blocked. He was informed to go inside the bank to confirm his identity. Both he and I went into the branch and provided all the requested info the following day. At the time, the banker, XXXX XXXX said that my son still had to call on Monday to unblock the internet access since that area are only opened weekdays. My son tried to call on Monday, XX/XX/XXXX but was again given the run around that he has to go back into the bank to add my name. He was told that in order to access his funds, he needs my name added to the account which makes no sense. I am in XXXX, and my son is in XXXX. I helped him open the account so he can manage his own money since he just got a new job His job requires him to work M-F from XXXX so he wouldn't be able to go into the branch again ( why does he need to anyway, he already went and the banker confirmed who he is and who I am??? ). I don't understand why my name has to be added to his account which wouldn't be a problem if 1 ) my son didn't just start his new job, and he can't just leave to go into the branch a second time and 2 ) they are now asking that both he and I go into the branch but I'm don't live in the same city anymore. I think this bank knows our difficulty and wants to hold on to our funds while putting obstacles for us. Others should be aware of their unscrupulous practice.
07/16/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • AL
  • 35216
Web
My name is XXXX XXXX, DOB XX/XX/XXXX and last four of social security number XXXX. On XX/XX/XXXX I contacted company " XXXX XXXX '' to purchase a vehicle. I wanted to see if I would pre-approve for a car loan with one of their creditors, same way I pre-approved with my bank and employer XXXX through their " credit tailor '', an app which sees if you pre-qualify without affecting your credit nor pulling a hard inquiry. However, I ended up going with my credit union XXXX XXXX XXXX XXXX because they provided the best rate and lowest interest rate. It was not until I received notification alerts to my email via XXXX and XXXX XXXX that I learned that instead of pre-approvals or soft credit inquiries I received hard inquiries. Subsequently, I reached out to the banks that performed the hard inquiry to request that they remove or convert to a soft inquiry because I did not authorize or consent to a hard inquiry and they stated that I would need to send a letter from XXXX XXXX as well as a letter from myself requesting that the hard inquiries be removed. I sent out both letters first class certified mail to the banks, credit unions and credit bureaus on XX/XX/XXXX and XX/XX/XXXX and I'm being met with opposition. XXXX XXXX XXXX XXXX XXXX XXXX in particular sent me back a nasty letter, stating that my letter implied " erroneously '' obtaining my credit report, although I sent them a letter from XXXX XXXX. If that's the tone of their letters to potential clients I can't imagine their actual customers, disgusting. XXXX XXXX XXXX XXXX also sent me a letter and stated that I claimed I was a victim of identity theft of fraud, which I never claimed to them, nor have I ever claimed in regards to these inquiries. XXXX aka XXXX is dragging their feet and not offering any update or response ever since I sent them information. On the letter from XXXX XXXX it lists all the banks/credit unions that performed a hard inquiry.
02/02/2017 Yes
  • Bank account or service
  • Checking account
  • Making/receiving payments, sending money
  • NC
  • 28270
Web
This is aimed towards the BB & T Branch at XXXX XXXX XXXX XXXX Phone number XXXX. On XX/XX/2017 there were several fraudulent checks deposited into my bank account ( that did n't even have my correct signature on them ) in the amounts of {$8800.00}, {$360.00}, {$200.00}, and {$250.00} I immediately went to my bank the next day they were opened ( Monday ) and attempted to file a claim. I was told that i could n't file a claim until the checks posted in my account ... .I said okay and immediately after i left the bank i went to file a police report so they could get the video footage at the ATM that the deposits were made. After a few days without hearing anything at all I went into the branch to see if i could file the claim now. I filed the claim ( on all of the deposits except the {$8800.00} amount since it did n't post in my account yet ) and waited to get results on how long i was going to be able to recieve the original funds in my account before the fraud checks were deposited, which is {$630.00} as of XX/XX/2017 ( and i also have photo proof of that amount ). I also called the Centralized Fraud Claims team multiple times while waiting on a time frame, just to be sent to another department and had to wait another 20 minutes to get somebody on the line. It was very frustrating. Bb & t finally got photo proof of the individual who made the deposits ( and OF COURSE it was not me ) but they still feel that my claim should be denied and on top of that the manager told me i would have to cover the negative balance of - {$640.00} in my account! So i am not only falling behind on bills and basically throwing away {$630.00} but i also have to pay the negative balance on top of that???!!! This is very very unfair and i wish to dispute this today to get my funds back! I have bills that i already have late fees on since my account was closed for over 10 days until they even made the decision to deny my claim.
09/17/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • CT
  • 068XX
Web
Mortgage was sold by local financial institution, XXXX, to BB & T. I have accounts and electronic banking with XXXX. Not a customer of BB & T, other than now forced to be for mortgage servicing. Have tried unsuccessfully to enroll in online banking for BB & T, thus submit monthly mortgage payments via check with BB & T issued deposit slips and envelopes. There are no BB & T locations within 50 miles of me ( vs 24 locations for XXXX ). It seems to take ~5 days for mail correspondence between myself in CT and BB & T in NC. My XXXX mortgage check bounced, unbeknownst to me ( explained in attached letter ). There was no indication, other than ( in hindsight ) a {$25.00} NSF fee posted to my bank account on XX/XX/XXXX. The check had been mailed the first week of XX/XX/XXXX. BB & T did not notify me until XX/XX/XXXX of the issue. At that point, it was already 30 days past XX/XX/XXXX due date ( alternatively, since the mortgage isn't late until after the XX/XX/XXXX of the month, you could also argue that it is not yet 30 days late since a payment was made on XX/XX/XXXX, before XX/XX/XXXX ). BB & T notified me of the declined payment on XX/XX/XXXX, at which point I immediately addressed the issue. In fact, I had already mailed a regular monthly check on XX/XX/XXXX ( since I was unaware of the issue ), which BB & T processed on XX/XX/XXXX ( the aforementioned XX/XX/XXXX payment. BB & T reported the delinquency to credit agencies on XX/XX/XXXX, despite, at that point, being caught up given the XX/XX/XXXX payment. I continue to receive mail correspondence from BB & T, all with different balance due amounts, foreclosure documents, etc., clearly illustrating that BB & T 's processes are lagging. BB & T is not meeting the standard of mortgage servicing that was agreed to with original loan underwriting. It was not possible to rectify the payment issue within a 30 day period given the lag of communication.
03/18/2017 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • PA
  • 182XX
Web Older American
Received a bank cashier check for {$2800.00}. This was sent for a {$400.00} internet sale and the {$2800.00} supposedly was sent by mistake. I was instructed to send the difference less an extra {$20.00} for the XXXX XXXX. BB & T waited 3days before putting a hold on the check as suspicious but not until I had withdrawn the requested balance. The check proved to be a counterfeit and at the time I did not know it was possible to counterfeit a cashier bank check. I then contacted a XXXX from the BB & T fraud department and was told that I should have been suspicions of a cashier check from a obscure bank. I explained that I was just a retired XXXX on XXXX and how should I have known. When I asked XXXX if BB & T was going to investigate she explained that " they probably left the country by now ''. I believe that BB & T should be held responsible for the forged check for the following reasons : 1 ) From the direct words of BB & T fraud department the XXXX branch of BB & T where this was deposited should have been suspicions of the obscure bank the cashier check was drawn from. 2 ) BB & T should never had issued a withdraw on a suspicious bank cashier check and instead should have waited until this hard posted. 3 ) Expecting me to believe that the apprehension of the individual responsible for the counterfeit bank check is a pointless idea since they are now out of the country is ridiculous. Since when is {$2400.00} reason to leave the country? This only demonstrated BB & T lack of interest in pursuing the criminal activity and choose the easy route of holding me responsible for the funds. 4 ) I have a second and supposedly unrelated checking account that was made with a cash deposit. As of XX/XX/2017 I am unable to access these funds and currently have no explanation from BB & T. This action has left me penny-less with now funds for fuel and food until my next XXXX SS check on XX/XX/2017.
02/20/2019 Yes
  • Checking or savings account
  • CD (Certificate of Deposit)
  • Managing an account
  • Banking errors
  • PA
  • 19607
Web
This complaint address two issues I had for the same account at the same bank. I opened a Burial Reserve CD for my mother with XXXX XXXX on XX/XX/XXXX. I am a her legal guardian & paperwork was provided to both banks, several times. It was for 5 years, which was to mature on XX/XX/XXXX. The account number was XXXX. In the meantime, BB & T bought XXXX XXXX & the CD was assigned another account number XXXX. When the CD came due last XXXX, the rate they were offering was less than desirable & they would not match a rate I could get elsewhere, at that time I asked to close the CD. They refused to close it unless I had a representative from the funeral home ( of which they had no interest in the account until she dies ) come in to close the account. The funeral home was not an authorized signer & were not even aware of the account. Due to the time restraint with the grace period, I was forced to leave the CD with BB & T. I was then told to take the new signature card to my mother to sign, that it had to have her signature, even though they had the Guardianship papers, which I provided yet again. I then recieved in the mail a modification notice with the new terms & rate. The second issue came with an Abandoned Property Notice I received on XX/XX/XXXX. It stated that since there had been no client related activity within the past several years, that the CD would be escheated to the state on XX/XX/XXXX. Even though I had been to the branch at least twice during the grace/renewal period, in person, & had to make a special trip to where my mother is in a nursing home to have her sign the new signature card, then returned to the branch, in person, to drop it off. I did sign & date the escheat notice to claim the property & returned it ( no they couldn't even provide a return envelope ) by mail on XX/XX/XXXX but surely, my account isn't the only one that may be escheated to the state in error.
09/17/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 31907
Web
Dear Consumer Financial Protection Bureau, CFPB : 1. BB & T OWES ME {$1800.00}, ALL BB & T ACCOUNTS CLOSED WITH {$0.00} ( XXXX ) BALANCE. I DO NOT OWE BB & T AND BB & T TRIED TO EMBEZZLE ( STEAL ) {$720.00}. BB & T BANK IS SENDING HARASSING LETTERS TO MY HOME ADDRESS AFTER I HAVE INSTRUCT THEIR XXXX COMPLIANCE GROUP MANAGER VICE PRESIDENT, XXXX XXXX AND SPECIFIC OTHERS TO NOT CONTACT ME. MR. XXXX XXXX XXXX CAN CONTACT ME AND ONLY THROUGH CFPB BUREAU. 2. XXXX XXXX XXXX, XXXX, IS FALSELY REPORTING I OWE THEM {$2000.00} WHEN I DO NOT. I DEPOSITED A VALID CASHIERS CHECK IN THE AMOUNT OF {$690.00}, AND I WITHDREW AND MADE PAYMENTS TOTALLING {$690.00}. I DO NOT OWE THEM. ALL XXXX XXXX XXXX, XXXX, NEED TO REFLECT {$0.00} ( XXXX BALANCE ), ALL ACCOUNTS CLOSED. 3. XXXX XXXX IS FALSELY REPORTING I OWE THEM {$34.00}. I DO NOT OWE XXXX. I MADE A DEPOSIT OF A VALID CASHIERS CHECK IN THE AMOUNT OF {$34.00}. XXXX IS REFUSING TO CLOSE MY XXXX ACCOUNT THAT I TOLD THEIR XXXX I DO NOT NEED NOR WANT. Dear bb & t bank XXXX Mr. XXXX XXXX XXXX : Please do not have your employee, compliance group manager vice president, XXXX XXXX contact me again. I received a third letter from her after requesting she stop contacting me including communication through the consumer financial protection bureau, CFPB. Mr. XXXX, your employees tried to embezzle VALID CASHIERS CHECKS FROM ME TOTALING {$720.00}. THEY GRAVELY INCONVENIENCED ME ( REALLY AN UNDERSTATMENT ) AND CAUSED ME MUCH GRIEF AND HARM. EFFECTIVE IMMEDIATELY : XXXX XXXX IS TO CEASE AND DESIST WITH ANY FURTHER COMMUNICATION INCLUDING BET NOT LIMITED TO MAIL, LETTERS, EMAIL, FAX, PHONE, CFPB PORTAL, ETC. ). HER CORRESPONDENCE IS HARASSING AND ANNOYING. DEMAND : BB & T NEEDS TO PAY ME {$1800.00}. I ATTEST, AFFIRM, AND CERTIFY THE STATEMENT AND INFORMATION IS VERY ACCURATE, VERY TRUTHFUL. Sincerely and Respectfully, XXXX XXXX XXXX XXXX : XXXX Email : XXXX XXXX
10/13/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • CO
  • 802XX
Web Servicemember
I entered into this loan agreement with the promise of loan terms that were not upheld by the lender and feel that this contract was breached. From the very beginning, the dealership pressured me into this car with false advertisement ads on XXXX that were less than what the car cost. They also reinsured me that if I stretch the truth on my financial situation with the loan application, then I 'll be able to drive the car home no problems and that people do this all the time. They told me that my payments would be high for a little bit, but if I just made three monthly payments, then I would have about half of a {$400.00} a month car payment. The sales guy really sounded genuine and I honestly believed every bit that he was saying to me. I guess I give people too much credit sometimes, ugh. Anyway, Three months past and there was no way in heck that I would be able to refinance in my situation with a recent chapter XXXX bankruptcy and all the negative remarks on my credit. I ended up losing my job due to my XXXX status and worsening symptoms from military service. I started to get behind on payments and I had paid {$5000.00} toward this car without even denting the total. I told the lender : XXXX XXXX XXXX, that I had become XXXX XXXX and I could n't afford the vehicle right now. They were not very understanding and continued to call constantly at least times a day. They even called my Step-dads work non-stop! This harassing behavior lasted for months and never went away. I finally had enough of the car, XXXX XXXX dealership and XXXX XXXX XXXX I told them that this loan was based off false advertising, unfair lending terms, and ultimately a breach of contract due to misinformation and information withheld. I decided to voluntarily hand over the car to the lending company. Now I 'm faced with a repossession on my hands from a very bad set of companies who swindle people out of money.
12/11/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Settlement process and costs
  • SC
  • 29611
Web
On XXXX/XXXX/XXXX, I accepted an offer on my home. BB & T is the current financial institution holding the mortgage on the property and it is also the lender the buyer has chosen. All required paperwork was provided in a timely manner by both myself and the buyer. Everything moved along smoothly with the appraisal and inspection. Everything that was required from myself, the buyer, the realtor, and the closing attorney had been provided to BB & T over a month ago. A later closing date was scheduled for XXXX/XXXX/XXXX by BB & T to account for the new regulations. No communication was provided at any point by BB & T about any additional delay. When I inquired my realtor if the closing on XXXX/XXXX/XXXX was confirmed he stated that BB & T did n't indicate a delay but he would check, he later stated that BB & T drop the ball and the closing is delayed without an expected date. I contacted the MLO XXXX XXXX in regarfs to payment as it was due on XXXX/XXXX/XXXX the scheduled closing date, she stated to just wait as surely we would close in just a few days. Fortunately I decided to make a payment to avoid a late fee since a closing date was not provided. On XXXX/XXXX/XXXX a new closing date of XXXX/XXXX/XXXX was set. At XXXX XXXX on the night before the closing, I received an email from the realtor copying the MLO email stating that paperwork was n't ready and she was sorry for " the mess ''. Thus far I have lost over {$1500.00} in interests, taxes, insurance and utilities due to this unreasonable and unprofessional delay and at this point I do n't even have a closing date.. BB & T actions ( lack thereof ) are grossly negligent as they are not loosing funds by delaying the closing, the buyer and myself are. BB & T should reimburse XXXX of my and the buyer added expenses as well as punitive damages to the CFPB to set a presidence that such irresponsible behavior is utterly unacceptable!
01/19/2017 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • NC
  • 28677
Web
I deposited a check for {$800.00} on XX/XX/2017, I did not know until XXXX/XXXX/2017 that a charge-back was going to happen with that check on XX/XX/2017. Since I had used some of the {$800.00} against ( what I did not know was a negative balance ) On XX/XX/2017 I deposited {$800.00} in cash from my personal funds to cover everything that was pending, but an administrative hold was put on THAT {$800.00}. Overdraft fees were charged while transactions were pending instead of when they posted. That caused a domino effect for several other legitimate transactions to be returned unpaid and more OD fees. As a veteran-owned, and woman-owned Small Business solely supporting my XXXX with my personal funds, this has caused irreparable, unfair, and unnecessary harm to me, my business, and my family. The action BB & T took, placing an Administrative Hold my small business checking account, was unfair. It may not be against Federal Reserve policies, but the reason I feel that this is a dire situation is because there are other scenarios that could easily happen that could very easily permanently cripple a small business like mine. Examples of other instances were this could happen : 1. XXXX does an account verification by making XXXX small deposits ( approx. XXXX cents ) and XXXX withdrawal of those XXXX amounts. That XXXX small withdrawal can cause an avalanche of fees starting with just that XXXX small withdrawal costing {$36.00}. 2. I stop for gasoline while on a trip to deliver a quilt. The gas station places a {$1.00} hold on my debit card. If I do not know that there has been a charge-back and I am in the negative with my available balance - that {$1.00} hold has just cost me {$36.00} and then the actual amount for the gas will cost me another {$36.00} plus everything else I have paid for with my debit card that day. Those are just two examples of how this practice can cause us harm.
08/16/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 34654
Web Servicemember
XXXX I opened a loan account with Sheffield financial while on XXXX XXXX for the military. Around XXXX I was removed from my home due to a divorce issue and was allowed back into my house on or around XXXX during this time I didn't have access to any of my personal belongings and was not allowed within 100ft of my home after returning home I quickly called Sheffield financial to fix my account status with them on XXXX. A promise and an agreement were made over the phone that my account would return back to normal after I made a large payment to the company with a total of {$720.00}. With this agreement being made I paid in full the amount of {$720.00}. After continually receiving monthly statements in the mail over the course of several years and after quite a large number of life changes I check my credit score and found out the company never fixed my account and continued to send me monthly statements in the mail. I have contacted the company on a lot of occasions trying to find answers after being lead on a while goose chase for quite a long time I was automatically forward to the collections department. The last to individuals I had contact was a woman named XXXX, XXXX which then finally forward me to a supervisor after several emails back and forth. The supervisor named XXXX, XXXX didn't even look into the matter he just downright denied any actions or promises made by the company or individuals i then had to beg the gentleman for a copy of my payment history. After contacting several lawyers within my area they said that it would be in the best interest of my case in order to try and resolve this matter privately first. I would like to resolve this with the company before i proceed with any other further actions. I would just like the company to switch my credit back to regular account status as promised and the correct monthly payment history corrected on my credit report.
05/01/2017 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • GA
  • 31210
Web
Re : Fraudulent charge on Debit card and no support from bank On X/XX/2017 my Debit card with BB & T was used fraudulently three times. This fraudulent activity caused my checking accounts available balance to drop significantly causing severe hardship. I contacte d BB & T to report the fraud. They blocked and reissued my card and told me that was all they could do. When I told them of my hardship I was met with a regurgitated talking point that did not provide the smallest of assistance. On Saturday XX/XX/XXXX I wen t into a physical branch o f BB & T and spoke with the Manager on duty. While she was very courteous, she could not provide any assistance, nor could she reach the Banks fraud department because they were, according to her, closed. I was told I would have to wait until Monday to speak with Fraud. On Monday X/X/2017 I calle d BB & T fr aud and was informed yet again there was nothing anyone could do to assist me. The fraudulent pending charges that were holding my available balance hostage would have to stay that way until it posted to my account is what I was informed. I asked repeatedly for a temporary credit to offset the fraudulent charges so I could buy my family the basics to survive the next several days and was informed that was not a possibility. I would have to suffer it would seem. I am filing this complaint because BB & T s hould have a policy in place that will assist people in my situation. It was not my fault there were fraudulent transactions made on my account. I safeguard my information as best as possible. When I asked the bank for help they would not do anything other than to try and sell me a line of credit to have as overdraft protection. Because they would not extend a temporary credit to my account that would have offset the fraudulent charges until they were reversed, I endured extreme hardship financially and emotionally.
11/18/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • UT
  • XXXXX
Web
On XXXX of this year, while the sale of our prior home was still pending, my wife and I closed on our current residence, and entered into a mortgage that we understood would be owned or administered by Branch Banking and Trust Company ( BB & T ). It was our intention to use the bulk of the funds from the sale of our old home once received to reduce the principal balance on our new one. Wanting to keep some funds in reserve, and knowing we would soon make a major principal reduction, we only put 10 % down on our new home, and accepted that we might have to pay PMI for a few months. Our closing documents indicated that we could eliminate PMI by reducing our LTV below 80 %. Our old home sold, and on XX/XX/2016 we made a principal reduction payment on our current mortgage in the sum of {$110000.00}, which by BB & T 's own calculation brings our LTV to 60.3 %, and on that date in conversation with BB & T 's mortgage service center personnel, requested PMI be removed. That request was rejected, and we were told that a history of 24 months of timely payments on the mortgage was required under BB & T " policy '', irrespective of the fact that we were now significantly below 80 % LTV. Following that verbal conversation, we received a letter ( unsigned ) from BB & T dated XX/XX/2016, confirming BB & T 's position. We have requested the removal of PMI in writing, have made all mortgage payments from the inception of the loan on time, and have reduced the LTV to 60.3 %. The property has not declined in value in the short time since we closed. We believe that BB & T 's refusal to remove PMI from our mortgage, and refund any PMI payments held in reserve, is contrary to the provisions of the Homeowners Protection Act of 1998, and note that BB & T 's stated policy of requiring 24 months of payments regardless of LTV, is not permitted under the Act, as expressly stated in CFPB Bulletin 2015-03.
06/04/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • GA
  • 30252
Web
This is my 2nd complaint to Regional Acceptance. XX/XX/2018 I received debt validation information I had requested through the collection agency that was taking over the charged off account. I then made a report on XXXX towards Regional Acceptance stating they violated my rights. In the state of Georgia " a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. '' By not providing me with a deficiency letter or a notice of plan to sell they violated this right. They sent me the same information they said they sent via certified mail. When I looked at the documents the address they sent it to was/is not my place of residency. On the retail installment sale contract, my address is inaccurate. The address listed for me is the primary applicants address. A relative who carry 's the same name as I do. When I looked on their XXXX portal under contact information, it has the same copied address and phone contact is replaced with a series of various numbers. When I called their charge-off department and asked what address read on the copy of the ID they had for the original application, it was not that of the one being reported by Regional Acceptance. I have a rental lease agreement with the same date/time frame of that when the letters were sent out from Regional Acceptance proving my residence was not at the address they have listed. A notice of deficiency and information regarding the vehicle sale was mailed only to the primary applicant and not me, the co applicant. Regardless of the status of the vehicle, they did not provide me with all the documents I have the right to. This has caused my credit score to take a hit for years now because a charge off is being reported to my account for an error on either the dealership or XXXX end, I didn't get the right to amend.
02/16/2017 Yes
  • Bank account or service
  • Cashing a check without an account
  • Deposits and withdrawals
  • GA
  • 305XX
Web
Beginning in XX/XX/XXXX I opened a checking account and in XX/XX/XXXX an unauthorized signer was allowed to access my financials. This bank sold out in XX/XX/XXXX and this was allowed to continue.No signature cards were issued during this time and I have been denied these cards. I approached the bank and bank representatives multiple times to have the individual removed from my account, and even obtained letters from the bank stating the individual had been removed however the account was still being compromised. The individual removed over {$100000.00} that can be shown thru unauthorized debits and checks he created and cashed. Because of the illegal actions of this individual and BB & T bank I am fighting court issues with no resolve at this point and time. This is due to the bank continuing to violate law and breech of contract which is enabling them to act as a criminal enterprise and hurt innocent individuals. Subpeonas have been served on the bank for active court case and the bank has refused to comply with these legal request. The bank has failed to issue a letter stating the account in question is mine even though I have all original documents showing such. Due to this continued illegal activity court dates have been postponed and my attorney fees are going up by the day. The banks illegal activity has now taken a lucrative career from me and left me jobless. I have recently contacted regional and national media and intend on making this story national headlines unless relief can be granted immediately. The banks illegal activity continue to effect all aspects of my life and I request immediate action in helping to clarify and correct this matter. Because of this individuals actions along with the bank it has now stopped any future job opportunities and growth I could experience. It has allowed for published written works of mine to be stolen and others as well.
03/17/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • WV
  • 250XX
Web
I have an account through BBT and I also have a vehicle loan. On XXXX/XXXX/2016 my husband was hurt at work and has been unable to work since so after talking to BBT we decided to do a voluntary repossession on our truck that we was paying XXXX a month for because we knew that we couldnt pay it with him not working and we didnt want to get behind. When we took the truck back to the BBT location XXXX of their employees told me that they would sale the truck and if there was still an amount owed they would set up a payment plan with me. After that day we had recieved nothing from BBT about our truck being sold. Today XXXX we went to get groceries and our cards wouldnt work so we went over to the same office where they tell us that the collections dept. had froze our account and zeroed it out leaving us with no money which was around XXXX. The guy we had dealt with before said he had never seen them do that and he tried calling around for us but didnt get anywhere. I called and spoke with a collections manager with BBT and she told me that it is standard procedure to take what is owed to them and that it was in the papers that we first signed when we got an account with them even though that has been many years back that we started up an account. What I dont understand is that we have been loyal customers with BBT for years before getting this truck loan and we have never overdrafted or had any problems with them and we have never been late on our vehicle loan either. We didnt get any information saying that we still owed on the loan, they just took every bit of money that we have instead of trying to work with us and do a payment plan. We could have just kept the truck not payed the payment and a couple months from now they would of repossessed it but instead we tried working with them and they done this too us, leaving us with a balance of XXXX in the bank and no cash
12/18/2018 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • KY
  • 41018
Web
On XX/XX/XXXX I seen in my online account that there were multiple charges on my account that I didn't authorize. 1 charge was for {$1.00}, it was credited back to my account and then another charge for {$4.00} that's was also credited back to my account. There was another charge to XXXX XXXX for {$50.00}. So at XXXX when the XXXX number stated the customer service would be in I called. I was told by the over the phone person that there wasn't anything they could do until the payment posted. Which makes absolutely no sense to me, but they did give me the phone number for XXXX XXXX to try to get the charges stopped. She also stopped my bank card and stated they would send me a new card. I then called XXXX XXXX and they told me there was nothing they could do for me, that my bank would have to help me. Something about it being against the law to look for my card number in their system. Then on XX/XX/XXXX I checked my account online to find that the {$50.00} transaction did go through my account and I was also charged {$5.00} for a new card. I took off work to go to the bank, but not before calling other banks in my area to find out if this is how this should work. Other banks stated they would leave the amount pending until they had a chance to investigate the situation and wouldn't charge me for a new card for something that wasn't my fault. I went into my local BB & T branch where I was told I had to fill out an affidavit and it could 72 hours or more for my account to be credited back, and also that my charges didnt look like fraud to them. Mind you I live at least 9 hours or more from XXXX! Only when I said it's going to be rough not having access to my account did XXXX even offer to give me temporary card. So now I still have another {$1.00} charge on my account, and wondering if more fraudulent charges are going to come through my account and mess up my XXXX!
12/06/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • FL
  • 33173
Web
REGIONAL ACCEPTANCE ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you REGIONAL ACCEPTANCE or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : REGIONAL ACCEPTANCE or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX
09/03/2015 Yes
  • Mortgage
  • Other mortgage
  • Application, originator, mortgage broker
  • NC
  • XXXXX
Web
My wife and I are building a home in XXXX XXXX XXXX and we went to BB & T for a construction loan. We disclosed to the loan officer in XXXX of 2015 all of the conditions of our construction plans. We also disclosed that we had started construction and were going to build with {$200000.00}. of our cash of the {$360000.00}. estimated total cost. We disclosed that we owned the land outright. Our loan officer, XXXX XXXX, indicated that BB & T would be happy to make the loan after our initial submittal of tax returns, financial statements, retirement account statements, etc. Then the endless delays began in the processing of our application. We have been askedthree separate times to update information between XXXX and XXXX. Every time we have updated information for the bank, we experience one to three week delays then receive new requests. We explicitly requested that BB & T not move ahead with the appraisal unless they were confident that they could make the loan to us. When they ordered the appraisal and we paid for it, we took this as an indication that our loan was approved. We have never been told that we did not qualify for the loan yet we have never received anything in writing to confirm the loan approval. The closest we came to an approval was a request by BB & T to set a closing date on XXXX XXXX 2015. Mysteriously, the closing date was cancelled. No new closing date has been scheduled. Each time BB & T requires new information, and we provide, weeks pass with new requests coming. We received an email today, XXXX XXXX requesting information provided to the bank last week. Each time we lose our patience, and ask if we have been rejected, they say no, thay are eager to make this work. But there is no end in site. We have now spent our planned cash expenditure and are in need of the loan to continue the construction which is 62 % complete.
09/23/2015 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • VA
  • 230XX
Web Servicemember
This is a brief summary please see attached letter. Also Attached : Power of AttorneyOrder Appointing Guardian and ConservatorBB & T LetterBB & T Bank StatementThe Only Money that was deposited in that account was father 's social security checks. As stated in the attached letter, over the past 7 months, I have been to XXXX BB & T branches ( XXXX, VA XXXX, XXXX XXXX, VA XXXX, XXXX, VA XXXX, and XXXX, VA XXXX ), to try and prevent all that has occurred. Each time, I received different responses from all XXXX branches regarding POA. Also, XXXX different branches provided conflicting responses regarding conservatorship. Now the calls I have received from XXXX XXXX and XXXX XXXX have different policies as well. My experience is that BB & T does not have a consistent set of policies and procedures to regulate guidelines governing POA or conservatorships. This situation caused undue stress on my father and the bank 's actions have made an arduous situation even more austere as my family and I have to fight on another front to recover my late father 's stolen, hard-earn funds. All of this compounds the great pain and loss we are dealing with because of his demise. My dealings with BB & T have left several unanswered questions:1. Why was a Counter Check allowed to be cashed when father was in the XXXX XXXX? 2. Why was I initially allowed online access to my uncle's/father 's brother joint account from XXXX/XXXX/15 to XXXX/XXXX/15, once it was brought to the attention on XXXX XXXX, I no longer had access? On the morning of XXXX/XXXX/15, I set ATM limits to XXXX and they were removed. 3. Why did I receive conflicting information on whether I had access to close joint account? 4. Why did I receive conflicting information on putting a debit hold on the joint account? 5. Why did teller say she thinks POA was revoked, when it could only be revoked in writing?
01/19/2017 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • NJ
  • 08037
Web
I'am filing a complaint because of what I feel is predatory and misleading fees charged to my small business account with BB & T . A little more than 1 year ago, my local bank Susquehanna located NJ was taken over by BB & T. Since then I have been getting attacked with fees and charges on my account which Susquehanna never charged. I recently closed my account due to a XXXX charge which turned into {$66.00} in just one week. Here is what they do and how it works. BB & T charges your account {$2.00} if you do not take your money out of a BB & T account. In some cases this may exceed a 50 % charge to get {$10.00}. ( XXXX from the ATM machine and XXXX from BB & T ) There are some machines which charge XXXX to take your own money out like the local XXXX store using XXXX. So here is the latest which happened last week. I took a remaining {$40.00} out from my account leaving a balance of XXXX cents in my account. The next day i was charged {$2.00} and an additional XXXX for an overdraft fee. They then charged me approximately XXXX dollars per day for each day the account remained negative. I 'm not perfect and I have paid overdraft fees with this bank before, but to allow me to take money for which the very next day they will be charging me an overdraft fee is beyond dishonest. If they need the XXXX, then my available balance should be reduced in order to cover their fee. But by doing this they have become the most dishonest bank in New Jersey. It is my belief they are aware of this dishonest practice but like most large conglomerates the fines will be worth the income to their bank. Please investigate this and let me know if there is a class action lawsuit filed as I would like to get my money back. This is not the first time they did this and I had to learn the hard way how cynical they have become with this practice. Thank you in advance XXXX
12/08/2016 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • PA
  • XXXXX
Web
I received a fraudulent check as the result of responding to a job opportunity posted on a XXXX University website. I deposited the check in good faith to my personal BB & T account and, in accordance with instructions from the unidentified perpetrator of the fraud, I withdrew funds from that account when advised by BB & T that said monies were " available. '' In turn I deposited {$5000.00} to a Wells Fargo Account - the name and number of which I was given by the perpetrator and I wired {$300.00} to a person whose name was also given me by the perpetrator - in CA - also as I was directed. There is ample evidence that I did not benefit financially from this scheme. I was not made aware of the fraud until XX/XX/2016 when BB & T froze my account and confiscated the remaining balance, including approximately {$400.00} of my own money that pre-dated the deposit of the bad check. Subsequently, I have cooperated with BB & T branch employees at your XXXX office, the XXXX Police Department, ( Det. XXXX, XXXX, ( File XXXX ), and XXXX University, ( Investigator XXXX, XXXX ), who, in-turn, notified XXXX Bank, ( Investigator XXXX, XXXX ). Besides taking the balance of funds that pre-dated the bad check, BB & T is threatening legal action against me, including the filing of adverse credit reports with various credit reporting agencies. I have been told by persons who have examined a copy of the fraudulent check that BB & T should never have deposited it in the first place because the check itself bears an admonition that " two signatures are required if over {$5000.00}. '' ( The check shows only one signature and it is illegible. ) If the banks mistake in depositing the check is the source of all subsequent problems, including the loss of more than {$5300.00}, I would like BB & T to admit their mistake and forgive me the debt they are pressing to collect..
12/08/2017 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • FL
  • 32244
Web
On XXXX/XXXX/XXXX I received a message via text stating my account was in the negative by {$11.00}. I go online and see the maintenance fee posted causing the account to over draft all other transactions were covered by the monies that were in the account. I go back into the account on XXXX/XXXX/XXXX to look to see if my direct deposit from XXXX was there and what I encounter is that BB & T has posted the maintenance fee as if it was a transaction that was before other charges and the transactions that were cleared with the money in the account is now showing up as over draft and at this point BB & T has not erroneously but with deliberate actions placed the maintenance fee before my other transactions when in fact the maintenance was posted after and that was the only transaction that did not have enough funds in the account to cover. I was just assessed another overdraft fee in the amount of {$36.00} on a transaction that clearly was done before the maintenance fee and the funds were available for that transaction as well. The grand total for the overdraft fees is {$140.00} which has not been just erroneously placed but rather fraudulently placed on the account by BB & T. The only overdraft fee I should have had assessed would have been for the maintenance fee. This is not the first time BB & T fraudulently placed a fee on my account. On XXXX XXXX I went to the BB & T ATM and pressed the fast cash button immediately after I pressed the option I realized it said checking and the money was in my savings. I pressed cancel on the key pad and any other ATM I have encountered immediately stops the transaction but not BB & T 's ATM machine. I was charged XXXX transfer fee. I went into the bank and explained I immediately pressed the cancel button however the transaction continued. The teller I was speaking to in the branch said the ATM does that.
04/11/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CA
  • 945XX
Web
On XX/XX/2018, I opened a personal checking account online with BB & T Bank. After some complications and inability to log into my account online, I tried to call them. Each time I called the only number that I could find to reach them, I waited very long and had to give up before reaching a person. Finally on XX/XX/2018, I spoke to a customer service representative after waiting around 45 minutes. I do not remember her name. Due to a few reasons, ( one mainly being my overall experience with the bank already ) we decided that I would not keep the new account and I would get my opening deposit of {$50.00} back. I explained that I was unable to visit the local branch since I was traveling abroad very soon and would not be back to Florida in the near future. The name XXXX XXXX and phone number XXXX were given to me saying she was from my local branch and would follow through with closing my account and getting a check mailed to me. On XX/XX/2018 I received an account statement in the mail, indicating to me that the account was still open and I'd been charged a {$12.00} maintenance fee on XX/XX/18. On XX/XX/2018 I called the local branch and XXXX was out. I spoke to a man named XXXX. He tried to help me, but said I'd have to come in to the branch. I explained that I'm now in California and have no plans for returning to Florida. I asked to speak to the manager and he told me that she, XXXX, was busy and would call me back soon. I called XXXX number 3 hours later and left a message saying that she never called me and to please get back to me. I never heard back from her and have not received my opening deposit back. I have no way of visiting a local branch since there are none in California. I still have no online access to the account. I attempted to take back my remaining {$38.00} by using the Debit card, but its been closed by them.
01/26/2017 Yes
  • Bank account or service
  • Other bank product/service
  • Account opening, closing, or management
  • MD
  • XXXXX
Web Older American
I was contacted by BB & T 's XXXXXXXX branch. In particular, I was contact by XXXX XXXX, the Mortgage Loan Office for BB & T at the XXXX branch. A number of years back I had financed a property with BB & T so, obviously, I was in their database for telemarketing. After a discussion with XXXX, I agreed to begin the process of refinancing both my primary residence and a rental unit. After providing all the documentation, I was assured by XXXX XXXX that I would have no trouble getting approved. I have over a XXXX in liguid assets, I earn XXXX per year plus bonus. I have an XXXX XXXX score, and a flawless employment history. So I was n't surprised by XXXX XXXX 's assurances that I would be approved. In fact, I could secure the loan with hard assets if needed ( I was n't asked ). After being assured by XXXX XXXX that there were no issues with my loan application, I decided to proceed with obtaining the necessary appraisals and paying the requisite fees. Incredibly BB & T denied the loan because I am currently working as a XXXX XXXX for a company in XXXX and not a XXXX employee. Prior to proceeding with the loan application, I submitted my contract outlining my fees ( XXXX per year + XXXX bonus. At no time, did XXXX XXXX indicate that this would be a problem. BB & T verified my employment agrangement with the company. So, based upon assurances from XXXX XXXX I proceeded with the loan application. The appraisals and fees were in excess of {$1000.00}. I firmly believe that XXXX XXXX 's actions were a gross violation of her fiduciary responsibility to advise me that a XXXX arrangement with a company would be a problem for their underwriter. I also firmly believe that their actions are reckless in pursuit of increasing their profits by failing to advise clients of the potential issues that may be raised for employment situations such as mine.
09/14/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • KY
  • 422XX
Web Older American
In XXXX of this year I noticed fraudulent charges were made to my checking account using my debit card number. There was a {$190.00} charge made on XX/XX/XXXX and an identical {$190.00} charge made on XX/XX/XXXX. Both charges were online purchases made at XXXX. This represented at total of {$390.00} in fraudulent charges. When I noticed the charges I immediately contacted the credit card company and informed them of the situation. Since I have a XXXX account I was also was able to cancel one of the transactions since the merchandise had not been delivered to the crook. XXXX refunded my checking account for this transaction. This left one of the {$190.00} charges that was taken out of my account. The debit card is supposed to have a no liability for unauthorized charges. I have gone back and forth with BB & T bank about crediting my account for the {$190.00} transaction that was not reversed by XXXX. The bank will credit my account only to later remove the funds. The explanation given is that the {$190.00} was returned by XXXX. They seem to be completely oblivious to the other {$190.00} transaction. On XX/XX/2018 I received a letter from BB & T stating they were reversing a {$190.00} credit adjustment previously made to my account. On XX/XX/2018 I called the number listed on the letter and again explained the situation to their representative. That person stated she would get back with me that morning. She never did. I accessed my account on XX/XX/2018 and noted that the bank had removed {$190.00} from my account. I again contacted one of their representatives and explained the situation. I can not understand how a banking institution can be so woefully deficient in basic arithmetic. If {$390.00} in fraudulent claims were debited from my account and {$190.00} were returned, then it stands to reason {$190.00} are owed me by the bank.
10/21/2019 Yes
  • Checking or savings account
  • Savings account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • MD
  • 217XX
Web
I already filed a complaint with FTC and they referred me. I have banked with BB & T for over a year and realize nobody is perfect! I noticed outrageous fees in my account, and contacted my branch in XX/XX/2019. No resolution and no assistance! On XX/XX/2019 opened a new account stating that I wanted fees fixed! Spoke to a representative at bank stated someone would call me back, no response! On XX/XX/19 they initially started transferring from my savings and abruptly stopped reversed all transactions and started charging OUTRAGEOUS FEES ON ANOTHER ACCONT WITH FUNDS IN SAVINGS! Are required to follow and obey LAWS??? ( as all complaints seem to address similar situation, excluding funds available in savings account ) 2 emails sent on XX/XX/19 and a response from same rep as the initial call ( CLEARLY SHOWING SHE WAS ABLE TO ASSIST ) but no sort of resolution. On XX/XX/19 sent very nice email stating I was seeking resolution and forward progression, auto reply of out of office till XX/XX/2019. Benefit given to BB & T and only received auto reply of out of office till the XXXX. Again assuming the best waited again no response! On XXXX filled complaint with FTC, and they referred me to CFPD. Waited till today XX/XX/19 and no response! Now based on all outstanding facts I AM REQUESTING THE {$5000.00} IN FEES AND {$2500.00} IN HELD FUNDS ( Dollar amount within {$200.00}, not able to provide exacts as they online account I have been disabled in viewing. ) In conclusion they quoted FDIC and was a false quote ( FRAUD ) as to quote one is " verbatim ''. In conclusion my damages are being accessed presently and will be perused! I am now requesting CFPD to assist with the minimum of funds held on undisclosed time frame and have been verified BB & T have received funds, and fees. Damages to seek counsel for. Now over 30 days of cleared funds HELD!
01/18/2018 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Bounced checks or returned payments
  • NJ
  • 08055
Web
Below you will see that my account was supposedly charged and overdraft fee. {$36.00} which is not what I have the problem with. If you look on top when I click to view the item it says as you can see " overdraft details unavailable ''. When I call the bank they can not tell me what was returned or paid so we play let 's guess what overdrew my account. When I call the phone number on the notice XXXX there is always a 30-40 minute wait and to be honest I have never had that call answered after putting the phone on speaker and waiting. I filed a complaint with the Banking Commission but they dumped it back into the laps of BB & T to handle so I do n't know what the purpose of the Banking Commission serves. To me this is a violation of UDAAP since the bank will not give me information I need to pay the person who had their item returned. I will get a notice in about two weeks telling me but I need that information now. This is a common practice of BB & T that has happened to me numerous times. They refuse to give real time banking on certain items. Overdraft Details Unavailable This PDF is currently unavailable. For assistance, please callXXXX ( XXXX ). ndingtransaction date XX/XX/XXXX Credit BB & T BUSINESS ONLINE TRANSFER - TRANSFER FROM CHECKING - XXXXXX/XX/XXXX {$1400.00} Pendingtransaction date XX/XX/XXXX Debit BB & T BUSINESS ONLINE TRANSFER - TRANSFER TO CHECKING - XXXX XX/XX/XXXX{$1200.00} XX/XX/XXXX Debit TRANSFER TO CHECKING *********XXXX XX/XX/XXXX BB & T BUSINESS ONLINE TRANSFER {$4000.00} {$210.00} XX/XX/XXXX Fee RETURNED ITEM FEE ( Details View|Save ) Receive a notification if your balance is low. Manage Alerts {$36.00} XX/XX/XXXX Credit TRANSFER FROM CHECKING *********XXXX XX/XX/XXXX BB & T BUSINESS ONLINE TRANSFER {$4000.00} XX/XX/XXXX Debit INVOICE PAYCHEX EIB CAM PROPERTY MANAGEMEN ACH CORP DEBIT {$150.00} {$250.00}
12/08/2015 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • FL
  • 33172
Web
This pertains to file # XXXX where I have proof that BB & T is lying. On my original complain I stated to BB & T had debited out {$100.00} premature from my account. All this started back on XXXX/XXXX/2015. Where i have made a cash deposit if {$100.00} bringing my balance to {$95.00}. Then on XXXX/XXXX/2015 there was a charge of {$28.00}. And here is where the problems starts. BB & T charges me {$36.00} OVER DRAFTED FEE on XXXX/XXXX/2015. The reason is that BB & T has stated that on XXXX/XXXX/2015 there was a withdrawal of {$100.00} Plus {$3.00} fee for using another banks ATM. The problem here is that it was not on XXXX/XXXX/2015 that the Withdraw occurred but on XXXX/XXXX/2015. I have the Bank Statement for BB & T which I printed off their web site. And what BB & T sent to me. As you can see, from the Bank Statement I am providing it shows where the Withdraw of {$100.00} occurred on XXXX/XXXX/2015. But BB & T takes the {$100.00} on XXXX/XXXX/2015 making my account go NEGATIVE. Furthermore, on XXXX/XXXX/2015 I make yet another deposit of {$100.00} again in cash. But because BB & T took out the {$100.00} on the XXXX/XXXX/2015 it has caused nothing but OVER DRAFT FEES which have total now to a {$260.00} ... And BB & T does not want to remove the fees when I have PROOF directly from their website. I have attached Both The Bank Statement that BB & T provides their customers and the So call Bank Statement they provided me with their entire letter providing nothing but misleading information plus inaccurate transactions from the bank to cover its shine! But as the saying goes : A picture is worth a thousand words! You be the judge of the proof yourself. And again BB & T states the {$100.00} was for XXXX/XXXX/2015 when it clearly states it on the personal bank statement from the bank on line the transaction took place on XXXX/XXXX/2015.
07/30/2018 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • FL
  • 33160
Web
We ask to the government and federal Reserved & FDIC regulators and all possible regulators to review BB & T business practices as it looks like they are closing business accounts and hold funds for indefinite period of time!! They keep using clients funds and delay the payment of the funds for indefinite period of time. As the law allows them, this bank provides NO evidence or reason to close our relation which we understand they have the right to do so. No bank is obligate to provide a reason for the closing accounts, but most of the honorable banks in this country will provide a 14 days notice and return the funds to clients, now it looks like this is not on BB & T business practices. Also, we are unaware if this bank due to our country of origin XXXX or religion XXXX has decided to stop doing business with us. CFPB should advise make it public ALL clients and business clients to be aware of BB & T Business practices!!. Since XX/XX/2018 this bank without any notification closed all our accounts and provide NO evidence or response at ALL of what is the situation, they have ransom more than 6 figures and we personally wrote an email to Mr. XXXX XXXX CEO of the bank and up to today, XX/XX/XXXX and it seems like Mr. XXXX is too business so the bank has some financial difficulties that is pushing them to have this type of business practice! Our business has obligation, payments, suppliers and it seems that they do not have any principles of conduction business!! This is INCREDIBLE that a bank closes an account without any notice and now uses clients funds and does not even provide a simple letter to consumers! It is concerning that a bank takes this type of business practices without any penalties! It is a dictatorship system that we are obligated to do what financial institutions decide and want without any WAY to get assistance.
02/03/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Shopping for a loan or lease
  • OH
  • 44130
Web
I I received several phone calls which were hangs up on there end then I was able to speak to someone whom I told her that I had mailed my payment and he said that that was fine the next day I received a phone call from a woman from regional acceptance Who said if I did not cancel the check that I put in the mail and pay over the phone that she would submit my car for repossession she told me that collection calls would not stop after I asked her to please stop calling that I had already spoke to someone she said if she would stop XXXX that my car would be repossessed and there would be nothing that I can do about it she made a lot of threats that she would take me to court when I asked to speak to the manager she put me on mute and after five minutes she hung up on me before she hung up she said that the repossession person was already on their way it 's my home to pick up the car because it was the first payment and I should not have mailed it although the bill sent in the mail said that I could mail it and also a week earlier I made a promise to pay by mail with a collection representative at regional acceptance and the night before I spoke to a member of the team and he said that my payment was fine that he would notated in the account she said that the account had not been notated and she did n't care my car was going to be picked up when I made the promise to pay I also told the lady that my dealership said that they would defer my first payment of 45 days that did not happen regional acceptance denied it after the fact when the lady called my dealership she said that there was a mixup and that the 45 day the deferment was OK when I told the lady that I would file a complaint with the CFPB she said that the company would sue me because that was a part of my contract for taking out the car loan no to file an outside complaint.
11/03/2016 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • GA
  • 30214
Web Older American
On XXXX XXXX my sister XXXX and I went into BB & T bank to close acct # XXXX and establish account # XXXX post haste because I no longer wanted XXXX XXXX XXXX to have access to my bank accounts or have any authorization to act on my behalf to financial manipulation and improprieties done against my account. She was placed there when I became ill and was hospitalized and abused power and responsibility and her refusal to even return my property and even debit card to my account warranted establishing a new account. We met with XXXX XXXX and established the new account and informed her of importance of expediting this matter as my {$1700.00} social security direct deposit was scheduled for XXXX XXXX, 2016 would hit the old account but the bank could reroute to the new account. She told us and promised it would be completed by Monday XXXX/XXXX/2016 and to call her to make sure that happened on that day. My sister XXXX did and left a voicemail on her phone of which she acknowledged that she did receive. However XXXX XXXX neglected to closed the account or place safegaurds on the old account to prevent further financial manipulation by XXXX XXXX as a result XXXX authorized a webpay {$700.00} against the account on XXXX/XXXX/2016 that hit my account place it in overdraft the BB & T accessed a overdraft fee, then she went into a branch and withdrew {$500.00} against my social security direct deposit on XXXX/XXXX/2016. To date I only received {$470.00} of my {$1700.00} and BB & T have refused to return the balance of {$1200.00} from my social security deposit to me. I am a senior citerzen on fixed income and I have other finanical obligation I need to attend to and I have called several times XXXX and 4 times a day and my calls are not being returned and XXXX XXXX is no longer communicating on the status to refund my money to my account
05/18/2018 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Closing on a mortgage
  • SC
  • 29678
Web
On XX/XX/XXXX, I closed on a HELOC with BB & T in the amount of {$340000.00}. My intent was to sell the house against which the HELOC was taken within the year. The loan officer at the local BB & T bank was well aware of our intent to sell the house as quickly as we could as we were moving out of the area by the summer. BB & T advertises " no closing costs '' for their HELOC loans which is what attracted us to their bank, along with the low introductory rate being offered. Closing on the loan went off without any problems and I made the required payments up until we sold the house on XX/XX/XXXX. The payoff on the HELOC seemed higher than I expected and when I checked into it, discovered that we were being charged {$3600.00} for closing costs. When I called BB & T to ask why they had deducted that amount, I was told that because we paid off the loan within 3 years, the closing costs were being charged. I was shocked to learn that since they advertised " no closing costs '' and the loan officer never indicated to me during the loan process that these costs would have to be paid if we paid off the loan within 3 years. I will acknowledge that when I checked the contract, it does state that closing costs would have to be paid if the loan was paid within 3 years, but that doesn't excuse the deceptive advertising being conducted by BB & T. When you approach any one of their branch offices, their advertising does NOT caveat or provide an asterisked notation that closing costs would have to be paid if the loan is paid off in 3 years. When I called the loan officer to address this with her, she claims she did in fact advise me of this. I will swear under oath that she did not as I would have looked for another lender knowing that I would be selling the house within 3 years. BB & T 's advertising is deceptive and I want my {$3600.00} back.
07/30/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • NY
  • 141XX
Web
I called about getting a loan modification back in XX/XX/2015 when our mortgage payment jumped to {$200.00} more a month. I explained the financial troubles we were in and they suggested a loan modification. I was told they would be contacting me with some paper work that they would need. We were not late on any payments before or after the loan modification was done. During the modification I was told to not make any payments as this would mess up the process. I asked several times if this would effect our credit report and was told no repeatedly. The modification was approved and we started making the payments right away. When going over my credit report I noticed they did state that we were over 120 days late in our payments. I have called them explaining what I was told to do during the modification process. I was recently informed that because they do not have any voice record of the conversation they will not change our credit score because they believe them to be accurate and true. Though they did correct some months due to the fact that they had the paperwork but did not have it inputted into the system. Even though our payments show we were never late until the modification was started. I would like the negative report to be removed as we only did as the company asked of us. I would have never stopped paying on my mortgage if they hadn't instructed me to do so. I was told just this past week I could speak to someone at the Chairman 's Line ; who basically asked me nothing but my loan information and then sent me the same letter that they sent to me prior. I am attaching the letters that were sent to me. I have also spoken to people that I know that work in the mortgage field and they have all told me the same thing, that during the loan modification process they can not process payments as it screws up the paperwork.
05/17/2017 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • GA
  • 30093
Web Servicemember
I opened up a BB & T account on XX/XX/2017 . I received my card on XX/XXX/2017 . I made my opening deposit on XX/XX/2017 of {$50.00}. I made 3 XXXX transactions Mobile deposit of {$490.00} And {$300.00} ATM deposit They held my cash and mobile deposit Then on XX/XX/17 my mobile deposit was supposed to be made available then I was told by XXXX it would be available. Around XXXX I noticed my account was over drawn XXXX When I called they said it was a problem with my mobile deposit so I then asked what? A manager told me he is n't sure but my accountant with be back in the positive by XXXX I told him I been trying to pay a past due bill and the bank has held up my {$300.00} cash I deposited The bank never gave me an available balance for my mobile deposit so you all have just taken my money for no reason. He assured me my money in full would be back in my account. This morning around XXXX my account had an available balance of XXXX So I went to go attempt to pay my bill that is past due and my card declined. I called BB & T and the representative asked me more than normal security questions including my drivers license number Then to tell my the fraud department has put a hold on my whole account. With no explanation. When I made my opening deposit it was made in a branch in which I showed my ID and signed my signature card The BB & T m anager I spoke with assured my account was fine and he would wave all fees. I personally feel that my account is being froze because I told multiple BB & T representatives they have horrible service and after my {$300.00} was put back I would be closing my account. It 's been 3 days and they have refused to give my my cash out my account. And if it was a problem with my mobile deposit they have yet to let me know what or send me anything.
11/16/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • TX
  • 75126
Web
On XX/XX/19, I received a notification indicating that my account has a draft pending, which was not supposedly to be draft until the XXXX. Now when, I set this up I was with a Branch Manager who explained the policy and procedures on setting up an ACH. He stated that they will process my ACH 48 hours before the due date. Well low and behold the drafted my account on the XXXX of the month. Instead of my pay period and due date. Which was not explained to me that this was going to happen, unfortunately, Im out of the states with no cash because of this erroneous banking error. I immediately contact the online service to find out why was this been drafted so early.. To be told by the online manager XXXX XXXX that the branch manger XXXX XXXX gave me misleading information. That they drafts out of the account 7days early. I told the rep that I asked XXXX XXXX how does the ach works. He told me 48 hours for a electronic payment. I requested to speak to XXXX supervisor since he couldnt help me, considering the fact that he said it was set up for an ach but the system is reading it has a check draft which will cause them to draft early not electronic daft like my first draft and I was denied. So I contacted the self service banking again to see if I can speak with a different manager to help with this error to only be told that they cant help me and that I will have to wait until Monday to fix the issue. Now Im left with no funds out of state based upon the misleading information and banking error that was told to me by an higher pay rate personal. My concern is how is that a branch manager banking information differs from a calls center information. When they are working on the same platform banking policy and procedures. No compassion nor concern when I was assisted by one of their upper management member to set this up.
10/17/2018 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • PA
  • 18102
Web Servicemember
On XX/XX/18 I got an alert that my account was in the negative. Every so often when this happens, I run to the bank and deposit the money and I'm fine. This time, I went to the bank and still got an overdraft fee after the money was in the account. I spoke with a rep on the morning of XX/XX/18 and she stated that there is nothing she can do and that I need to pay the XXXX that I was over by. I went to the bank shortly after that and deposited XXXX plus I did a transfer of like XXXX. I did this because I knew that I was expecting 2 other items to charge either the same day or later. Once I made the deposit, my account was in the positive. I checked my account later on XX/XX/18 in the early morning hours and noticed that I am being charged another XXXX in overdraft fees. I called on XX/XX/18 at around XXXX hours and spoke with a rep by the name XXXX, who stated that there is nothing she can do and I have to pay the fees. I asked to speak with a supervisor and she placed me on a 15 minute hold, before a supervisor by the name XXXX answered the phone. XXXX stated that the charge posted to my account the day before and that is why I was being charged the fee. I asked how can the charges post the day before and I not see it when I went to the bank or spoke with the rep the day before. She said there was no way for me to see the charge and that I still have to pay the fee. I told them I wanted to close my account because I am being robbed of my money and she stated that I can't close the account until I pay the fees. I told her that I would be filing a complaint and contacting my attorney and that after everything is said and done I will be closing my accounts. I explained to them that I went thru a similar situation about 2 years ago with them that ended up costing me over XXXX in overdraft fees that I was stuck paying.
09/28/2016 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • MD
  • 21701
Web
I had a checking, savings and credit line account through BB & T for the last decade. Recently there were many errors and retaliatory actions that were done to my accounts. These subtle errors by the XXXX, MD team coached by XXXX XXXX was brought to your attention. I originally several times have requested formal arbitration information relating to this. My credit continues to be hurt and no resolve after months. I was told at some point there are repayment arrangements possibly I can enter into as to not hurt my credit further while a resolve/research is done. This being said, I want BB & T to know that during this entire process I have had XXXX from a car crash. I am still treating and XXXX from this car crash that was not my fault. I left in ambulance and have XXXX of dollars in bills, with plenty of documentation to substantiate. This being said I would like to see if I qualify for any medical or hardship related freezes or repayment plans? Repeatedly I have been asking for this and have not gotten any answers. I do not want my credit to be further hurt and want a proper working relationship with BB & T again without XXXX XXXX loose run ship of fools sabotaging my account because they do not like the frequency of my visits. Also XXXX pulled my credit for auto financing that I never authorized, this was never answered either. Errors to credit reporting need fixed. First things first, what can I do to repay the account into good standing while the above research and arbitration matters are resolved? Do you have any medical/hardship related payment plans, given the severity of my car crash and being limited to the amounts, types of work I can do. This medical XXXX has resulted in dramatic losses of income. Please offer me any programs I may be entitled to in writing to my home mailing address on file. Thank you.
10/24/2016 Yes
  • Credit card
  • Delinquent account
  • NC
  • 27106
Web
I have become totally and permanently XXXX and contacted BB & T with a letter on XXXX 2016 stating that I have no money and my income on XXXX are totally used up covering my minimal living essentials. I had sent in a complaint and they responded saying they had offered a new plan and I did n't accept. That is true because I told the woman that verbally & was VERY rude to me that I started crying. I was telling her I could do a little because I did have to eat. When I said I had to eat, she still bullied me with smart remarks like " you ca n't pay {$58.00}? I kept saying no. '' In BB & T 's letter XXXX XXXX also mentioned BB & T will take action by reviewing the call and apologized that I was upset after having this interaction. The apology was not sincere and it was during practically the whole call.and not the end. The fact that they send an automated letter that is generated informing clients about accounts being closed. In this case XXXX XXXX said it was because of having difficulty maintaining contractual payments. Said that I had been advised and agreed with constant credit being closed. This should not have been written since it always had a XXXX balance and I thought it had been closed. I opened the credit card account to transfer to a XXXX interest. That was done and if they review they 'll see I never charged anything more. The late fees & interest changes keeps going from {$25.00} to {$32.00}. Every month an extra {$80.00} is added with fees. I do n't think XXXX needs to quote everything I write because it was very hard to write in the first place. I had been used to having an income while working. It was stated at the beginning of the letter Complaint # XXXX that my complaint was forwarded to XXXX XXXX for review and response. Also written in the letter had a notice of furnishing negative information.
12/31/2019 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • AL
  • XXXXX
Web Servicemember
On XX/XX/XXXX, XXXX XXXX XXXX XXXX personnel mailed a completed and certified IRA Rollover/Transfer request to the BB & T branch office at XXXX XXXX XXXX, XXXX, AL. On XX/XX/XXXX I requested the status of the transfer from XXXX and was advised nothing had been received from BB & T. On XX/XX/XXXX I went to the BB & T branch office and one of the branch bankers fished the envelope out of her desk, saying 'I thought it was junk mail so I didn't open it. I figured I'd hang onto it for six months and see what happened. ' She did not explain why she failed to open the envelope. She did explain that she thought it was junk mail because part of the address was misspelled as 'XXXX ' instead of 'XXXX. ' The XXXX XXXX logo was in the return address upper left corner and the stamp was a XXXX XXXX metered stamp. If the banker had opened the envelope and processed the rollover in a timely manner, I would not have lost apx {$130.00} from the long-term IRA Certificate the money was to be deposited into. During my conversation with the branch banker, she called and spoke with another woman at BB & T headquarters and was advised that the IRA department was closed and no, BB & T would not accept the form as a fax. 'BB & T will not accept faxes from anyone other than our own branches. ' If the banker had read the form, she could easily have contacted me for any questions or concerns. The BB & T banker stated she would 'overnight ' the form to HQ on XX/XX/XXXX for processing since they did not do any IRA work in the branch banks. I cancelled my checking account while there but did not cancel my credit card because the banker advised I had 'nearly {$100.00} in reward points. ' She recommended I redeem the reward points first. However when I attempted to redeem the points on XX/XX/XXXX, they had been deleted from my account.
11/10/2015 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • NC
  • 278XX
Web
I lost my full time employment the end of last year. I had been looking work and to start my own business since that time. Earlier this year my wife 's employment also changed, during the same time my father came to stay with us for a few months due to failing health. We had to look to assistance from the government. I submitted a hardship to BB & T for help with the payments we were behind. I had to submit this hardship XXXX. Both times BB & T has declined the hardship, stated unable to verify my employment or income. I submitted all paperwork I was asked for. I am still employed at the same place part time, I have been employed there for almost 5 years. We do not receive paper checks or stubs, the office staff printed out a stub for me to send BB & T. BB & T stated to my wife they would not accept this stub. I have no other way to show my income. BB & T has my tax records, bank statements and copies of wages, all that prove we are in hardship. During the time of the hardship process we had tried to send in some kind of payment. My wife spoke with BB & T, they advised her if we could send in the remainder of XXXX and another full payment by XXXX XXXX that it would be accepted. The payments were returned now causing us to be a total of 5 months behind. My wife called about a repayment plan, the first lady stated to return the payments that were sent back to us and try to add to it, the repayment plan would be a little over our original payment. When my wife called back to try to set up the repayment the next lady stated the payments would be almost double, in which my wife told the lady there was no way we could pay that. We are at a lost and trying to set up a repayment and keep our home, BB & T is trying to take our home. We just wanted a fair chance, but BB & T would not even process our hardship request.
09/13/2016 Yes
  • Money transfers
  • Domestic (US) money transfer
  • Other transaction issues
  • VA
  • 23225
Web Older American
This is pretty simple. Our daughter shared an E-Z Pass account with us, and paid us monthly for her usage. Easiest way to do this was for her to transfer the amount from her credit union account to our bank account, and we both set up our accounts to allow such transfers. ( As an aside, we also pay bills by transferring funds to the power company, the landlord, the phone company, etc., through the same bank checking account. ) What happened was that our daughter transferred {$100.00} to pay for her usage, but mistakenly switched the account numbers, so that instead of our account being CREDITED with {$100.00}, it was DEBITED by that amount! We check our account online regularly, and caught it this morning, and she and our bank have been advised to fix this. HOWEVER, our bank ( BB & T ) insists this is business as usual - once you set up XXXX accounts for funds transfers from XXXX to another, you have given the bank tacit permission to send transfers either way, with no additional approval or permission from you. In other words, if my daughter were malicious ( which she is not ) or in extremis, she could clean our checking account out and we would not even be advised by the bank that it had been done. As it was, we had to make a quick transfer from savings to cover a bill which was going to be paid today. This strikes me as being VERY insecure, and an abrogation of the banks obligation to keep our money safe. They can set up bill payment systems which will either automatically take money from our account monthly to pay our bills, or, if we do n't want that, which allow us to order the funds transferred ourselves for each bill. So why ca n't they safeguard the sort of arrangement we had, where each month a one-way transfer from her account to ours was made? Our bank insists that is not how it is done.
02/01/2016 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • VA
  • 24151
Web
I opened a new checking account with BB & T in XXXX, I closed the account in XXXX of XXXX. During the year in which I had the account, I had direct deposit transactions, debit card transactions and upon closure, I received over {$2000.00} from the balance remaining in the account. In XXXX, I had a XXXX direct deposit transactions made by mistake to the closed account. XXXX of the XXXX deposits were returned to the sender, the other, the bank kept to pay off of debt owed from an unrelated account originating in XXXX, which was in a charge off status in XXXX. I have several issues with this transaction - First of all, the bank did not notify me of the fact that they took the deposit to pay off an old balance. I only obtained this information from them verbally after inquiring about the return of the ACH deposit to the sender. I have made numerous calls to the Executive offices of the bank, no one has called me back to talk to me about my situation. They sent me the attached letter detailing the charged off account. This letter does not describe their rights in collecting the funds from the ACH deposit made on the unrelated closed account nor have they have not sent me any transaction records of their taking of the ACH deposit to pay off the said debt. Anytime a bank makes a transaction on your account, they are to notify you, and I have not yet received anything and it is XXXX XXXX, XXXX, for a transaction that occurred on XXXX XXXX, XXXX Secondly - This letter does not indicate that the charged off account is formally closed or settled. Finally, these ACH transactions were made by my college, and were stipends from a XXXX XXXX and XXXX XXXX XXXX loan. It is my understanding that in the state of VA, you are not allowed to " garnish '' those such transactions, and that 's what this actually is.
01/06/2020 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • FL
  • 34983
Web Older American
On XX/XX/XXXX, I was slammed with a fake website while trying to order comedy tickets from XXXX XXXX XXXX XXXX XXXX XXXX located @ XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX. The following attachments are documentation that BB & T Bank refuses to cooperate to refund monies that was not authorized from a fraudulent company that has scammed me and many other people. First, BB & T representative assured me, when charges of {$270.00} posted to my account, I will be refunded. I contacted BB & T Bank continuously and its always an unresolved response such as merchant is disputing the claim then you have to wait for 30 days and final response was if merchant dont response, monies will be refunded. On XX/XX/XXXX @ XXXX XXXX, still no refund or merchant response. It has been over thirty days. I never received tickets from fraudulent vendor. Therefore, Im out of {$270.00} and tickets too. The attachment # 1 is the actual letter to start claim process, attachment # 2 is the actual website for XXXX XXXX XXXX XXXX XXXX XXXX with tickets purchased and confirmation. I finally was able to purchase two tickets from the correct website. After, I attempted to purchase ticket again ; the fraudulent website came up twice. As I explain to BB & T representatives more than once, I attended a show with tickets purchased from XXXX XXXX XXXX XXXX XXXX XXXX but my debit card was charge {$270.00} for tickets NEVER received. It has been very stressful and unfair to be treated in such an appalling manner. I have contacted BB & T Bank on the following days : XX/XX/XXXX ( first call ), XX/XX/XXXX ( informed BB & T representative to expect an email ), XX/XX/XXXX @ XXXX XXXX-13 mins-38 seconds, XX/XX/XXXX @ XXXX XXXX-7 mins-44 seconds, XX/XX/XXXX @ XXXX XXXX.-11 mins-46 seconds, XX/XX/XXXX @ XXXX XXXX-19 mins-1 second
10/28/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • OH
  • 44011
Web
In XXXX 2009, we entered into a retail sales agreement with Regional Acceptance Corporation, which has an office in XXXX, Ohio, among others. The contract was for a purchase of almost {$18000.00} for a used car. The interest rate RAC gave us was 23.75 %, which equaled total " finance charges '' over the 66-month life of the loan of {$14000.00}. This was a total contract amount of {$32000.00}. During repayment, RAC failed XXXX times to allocate the agreed amount to principal from our monthly payments, for a total underpayment on loan principal of {$5800.00}. Included in these XXXX failures were five months where RAC allocated XXXX of our monthly payment dollars to principal. Furthermore, because we paid late, RAC charged extra interest in excess of the amount allowed by Ohio contract law, over the required amount by a total of XXXX. Overall, we have been required to pay XXXX payments for a total of {$35000.00}, or XXXX percent more than was originally agreed. When contacted and informed of their mismanagement of funds, RAC 's reply was that they were entitled to reduce our principal payment every month because we paid after the due date, although the provision for this in the sales contract and Ohio law instead allow the lender to extend the contract with more payments based on the amount of extra interest accruing, with written notice given to the borrower. RAC now insists that, after XXXX payments resulting in an 8.8 percent total overpayment of the contract, that we still owe more than {$3200.00}, or 18 percent of the original principal agreement. Their representatives repeatedly deny that RAC has done anything inappropriate, even when confronted with details of underpaying principal, overpaying interest, and using wrong APR and per diem to calculate extra interest for late payments.
02/14/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 324XX
Web
On XX/XX/2018 Hurricane Michael, a Cat 5 hurricane, made landfall in XXXX County, Florida. I live in XXXX County and my home sustained major damage. My mortgage is with BB & T. The value of my home is approximately {$650000.00} and my loan balance is approximately {$300000.00}, meaning I have more than 50 % equity in the home. My insurance company has approved and issued payments for hurricane-related repairs in the amount of {$360000.00}. Because of my mortgage, BB & T is holding the money in escrow while repairs are being completed. As of today, BB & T has issued payments totaling {$190000.00}. BB & T is still holding {$160000.00} in escrow. Repairs that have been completed and paid for total approximately {$220000.00}. I have personally spent over {$55000.00} of my own money in order to keep repairs moving forward and have recently received invoices from my contractor requesting additional payments of more than {$30000.00} for work that has been completed. Once these invoices are paid I will have spent approximately {$85000.00} for repairs over and above the money released by BB & T. Despite submitting all necessary documentation, BB & T has continually delayed issuing payment and only recently XXXX today ) notified me that they would only be releasing {$31000.00} even though their own inspection has determined that repairs are 85 % complete. Most recently I submitted a copy of an invoice from my contractor and a copy of a cancelled check showing that I recently paid {$44000.00} for work that had been completed. BB & T has refused to reimburse me from the money held in escrow. Essentially, I am fronting money for hurricane repairs out of my own pocket all the while BB & T holds the money paid by my insurance company for hurricane repairs in escrow for their own benefit.
03/19/2017 Yes
  • Bank account or service
  • Other bank product/service
  • Using a debit or ATM card
  • TX
  • 752XX
Web
My credit report is being negatively affected by BB & T as a result of extremely poor account management and customer service following a disputed transaction. This experience has also been met with poor treatment ( in person ) by a BB & T Vice President who treated me in a rude and very unfair manner at first introduction. Without receiving any notification or account statements over a long period of time between the date of discrepancy through present I was finally contacted by a collections team at BBT about a past due amount slightly over {$30.00}. Upon that first contact the collections team was unable to provide any explanation as to what the amount in question was from or when the transaction had taken place. I believe the root cause of this to be a result of fraudulent activity to which I have a fraud dispute placed on an account with BB & T for activity that I believe may have some sort of relation to a PII breach and theft of my XXXX IRS XXXX from XXXX a former employer. The fraud dispute was placed on XXXX/XXXX/XXXX. The activity is specific to an account BBT notes as " Credit Line XXXX. '' This outstanding matter is now reflected on my credit report by XXXX harming my psychological and financial wellbeing. Only on XXXX/XXXX/XXXX did I receive three letters in the mail, dated XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX that were specific to any outstanding balance with BB & T. Even still, no information has been accessible online via portal and PDF nor in the mail as to this issue. The bank has been very difficult to work with and I strongly feel that I am, as the " little guy, '' being bullied. Interest in the amount of around {$0.00} to {$0.00} continues to be added to the outstanding amount each month alongside compounded degradation to my credit profile.
11/09/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • FL
  • 33437
Web
We have been denied the opportunity to even apply for modification programs which will allow us to retain our home. Our first modification attempt was 8 years ago when we were told that we do not qualify as our loan was current. Then we had the loan go not current at the end of a 5 year high interst interest only ballon mortgage term in the height of the mortgae crisis to qualify for moertgage modification to be told that modification was not an option only foreclosure ( at this time no one was underwriting mortgages ). Since our first attempt, BB & T has rejected all modification applications as well as modification is not applicable to us and only offered us a short sale option as they claim that the loan is investor owned. But the FDIC research department tell us that BB & T owned the loan not investors. BB & T claims that they NEVER owned the loan and that it was ALWAYS owned by a trust that is owned by investors. Our records show that XXXX and then BB & T owned the loan. See attached documents : - 1 ) Letter from the FDIC ressearch department about ownersip of the loan 2 ) Court filings from BB & T saying that they bought the note through the FDIC receiversip from XXXX XXXX, not that BB & T is assuming the role of servicer of the note that is owned by someone else 3 ) Letter from BB & T saying that they never ever owned the note but a group of investors via a trust. Our records and that of the FDIC says that BB & T owns the loan which does not disqualify us to be able to apply for all BB & T inhouse and all federal modification programs. So we want to able to apply for all BB & T inhouse and all federal modification programs and have our application fairly considerred by BB & T. We have always lived in the house and have the income to qualify for these programs.
09/10/2015 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • NY
  • 10003
Web
XXXX XXXX XXXX, XX/XX/2015On XX/XX/XXXX I sent you this complaint with photos and other evidence. You sent me an answer but not a number or any other information. I am sending you just the letter and hope you give instructions to go on. Thank youConsumer Financial Protection Bureau. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/2015XX/XX/XXXX I received a bill from XXXX XXXX XXXX XXXX. located at XXXX XXXX XXXX , XXXX, XXXX XXXXRe Claim XXXX Lexus CT 200H Lease # XXXX Aptrack # XXXXThey claimed the bill was for repairs when I returned a leased 2011 Lexus CT 200H. XXXX ( parts ), XXXX ( body labor ), XXXX ( paint labor ), XXXX ( paint supplies ) and XXXX ( body supplies ). The total was {$4.00}. I protested and XXXX lowered the charges to {$2.00}. XXXX to be paid in in three installments of {$890.00}. I finished paying XX/XX/XXXX. There was the arbitration option that I could not take because I had several tripsahead of me. XXXX had threatened to hurt my excellent credit history. I am still very upset because the car had been inspected by an expert from XXXX just before I returned it and he noted on his report ( enclosed ) : " car condition : " EXCELLENT ". He also took pictures ( enclosed ). I had made all the repairs recommended by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the amount estimated by XXXX. The check from XXXX was sent directly to XXXX XXXX. The car had only XXXX miles on it. XXXX never gave me any credit for wear and tear nor for the low mileage. I have leased cars in XXXX for 21 years and was never charged more than few hundred dollars for repairs when I returned them. I am not sure if you can do anything for me but I am sure that I am not the only victim of XXXX 's abusive charges. Thank you,XXXX XXXX XXXX XXXXXXXXXXXX
09/03/2016 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • WV
  • XXXXX
Web Older American, Servicemember
XXXX/XXXX/2016 Credit COUNTER DEPOSIT View {$760.00} XXXX/XXXX/2016 Debit OVERDRAFT FEE BB & T ONLINE BILLONLINE PMT XXXX BB & T CHECK CARD XXXX *XXXX. BB & T CHECK CARD PURCXX/XX/2016 XXXX XXXX {$100.00} XXXX/XXXX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BB & T CHECK CARD PURCHASE-PIN {$230.00} XXXX/XXXX/2016 POS XXXX XXXX. XXXX XXXX MN XXXX BB & T CHECK CARD RECURRING PYMT {$41.00} XXXX/XXXX/2016 Debit ONLINE PMT XXXX XXXX XXXX BB & T ONLINE BILL PAYMENT {$170.00} XXXX/XXXX/2016 Credit COUNTER DEPOSIT View {$270.00} ''BB & T BANK '' ... ... charged me for payments that I had scheduled to be taken out on XX/XX/2016 .... ( I.E., XXXX XXXX ... .for : {$170.00} ) ... .took this out on XXXX XXXX, 2016. I called ONLINE BILL PAY ... XXXX @ XXXX ... ..they put on hold, & did nothing to resolve this even thou my Veteran 's Check, of over {$XXXX}, ( that was already at my Bank ), as they HOLD IT TIL XXXX ... ..THE MORNING OF XX/XX/XXXX. PROCESSING THE ABOVE ITEMS EARLY, THUS CHARGING ME XXXX-EACH TIMES LATE FEES OF $ XXXX-DOLLARS! Then when I schedule something Monthly ... .. ( if any month has 31-days in it ), they move my payment BACK ... ... .BEFORE XX/XX/XXXX ... ..KNOWING THAT I PAY EVERYTHING OUT VIA MY BILL PAY ONLINE, ... ... .THAT SHOULD BE PAID ON THE XXXX or XXXX of each Month ... ..STOP MOVING MY PAYMENTS BACK, SO ''BB & T BANK '', CAN LET ME GO INTO THE RED, THUS CHARGING ME OR CHEATING ME OUT OF MY HARD EARNED MONEY ). **HERE IS THE SAME PAYMENT I SCHEDULED A MONTH EARLIER ( BELOW ), THAT WHEN I SCHEDULED THIS PAYMENT, WAS TAKEN OUT OR SENT OUT A CHECK, AND PROCESSED SEVERAL DAYS LATER, ONCE MY VA CHECK HAD ARRIVED TO COVER ALL BILL PAYS ON THE XXXX of each Month. XXXX/XXXX/2016 Debit ONLINE XXXX XXXX XXXX XXXX BB & T ONLINE BILL PAYMENT {$170.00}
12/14/2015 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • GA
  • 30013
Web Older American
As I previously submitted. BBT gave a loan that was classified as commercial loan which was from the start, out of our paying ability. The initial loan was given in excess of the value of the property. BBT has stopped sending statements, and has stopped responding to my request to review their predatory lending policies and to make correction in the loan. Further, the refy loan was provided without asking any questions of the borrower. While they did go on line to review the household income, which was approximately {$1000.00} per month, XXXX, No other documents, no application were required and it was mentioned that the loan would never be paid off in my dads lifetime. Which was true, however, when BBT and were informed in the acquired knowledge above they failed to respond and to date have stopped acknowledging my correspondence. On a monthly basis the loan and interest far exceeded the amount of monies bought into the household on a regular basis. There is no clear explanation of loan and what is covered under the loan. Further, the lender has denied me any reasonable explanation in the loan/process/ restitution and present status of the loan. In addition, I am asking the loan be totally forgiven and restitution be made to POA since it was predatory in nature. It appears that BBT preyed on senior citizens and failed to follow the regulatory rules as set forth as a lending institution/mortgage. They are clearly predatory lenders. The desired resolution is to have BBT forgive the loan in its entirity and restitution for years of unfair preducial, and predatory practices. The income was approximately {$1000.00} net and the loan including monthly interest is {$370.00} times XXXX each month payment is the same or close to the interest amount monthly. How can that be.
12/01/2019 Yes
  • Checking or savings account
  • Savings account
  • Closing an account
  • Funds not received from closed account
  • GA
  • 30135
Web
I opened a savings account with BBT in XX/XX/2018. I deposited a check in this savings account which was placed a hold until it cleared. The check was returned due to the account being closed and this was done in error. There was no ill intent in which I am being accused of. Needless to say there was no money ever received and any returned fees were all paid in full. In the process of all this, I was having XXXX from my XXXX access savings account transferred into my BBT account. BBT decided to close my account due to this returned check issue which is their choice, however BBT has failed to return my deposited funds to me. I was told in order for me to receive my funds back I would need to visit a branch. I went to a BBT branch on a weekend day and was advised I needed to see the branch manager in which they were not there or available. My profession requires me to travel and I am gone from for long periods of time. Furthermore, I didnt visit a branch to open this savings account, I didnt visit a branch to make my deposits and I never received a signature card from BBT to sign off on this account. BBT decided to close my account and they should not be allowed to withhold my funds for over 1 year!!! How can you close an account and keep the funds??? There is nothing on the terms and conditions that says they have the right to do this! I need to know where in the terms and conditions does it say they have the right to do this!! How long can they legally hold these funds? What legal rights allows them to do this? Where in the terms and conditions does it clearly state they can do this? How can you close an account but keep the funds on a closed account, however when I called CS Dept., I am being told the account is on hold. Is the account closed or on hold??
09/11/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • SC
  • 291XX
Web
I am currently in an auto loan with a very high interest rate of 22.9 % ; this loan was acquired in XX/XX/XXXX. I have been currently paying the amount of {$530.00} per month for a XXXX XXXX XXXX on time each month. My hours have changed at work and upon researching my loan, I owe {$10000.00} more than what my vehicle is worth placing me in an upside down loan. On XX/XX/XXXX, I submitted a letter electronically via the XXXX XXXX XXXX 's website detailing the request to lower my monthly payments. An email was sent on XX/XX/XXXX asking me to contact the company via phone because of privacy issues. I called XXXX XXXX XXXX on XX/XX/XXXX at XXXX and spoke with an customer agent and she was very short, unprofessional, and completely did not want to aid me in my request. Her reply was XXXX XXXX does not rewrite loans. She offered to give me an alternative lending source, XXXX XXXX at XXXX. Upon contacting this lender on XX/XX/XXXX, I was initially approved and then told they could only help me if I came up with a {$7000.00} down payment because again I owe a total of {$18000.00} and my vehicle is only worth roughly at the highest value of {$8000.00}. I think I was taken advantage of since I had just completed Chapter XXXX bankruptcy and had just been successfully discharged in XX/XX/XXXX resulting in me becoming a victim of predatory lending. I also would like to report XXXX XXXX XXXX ( located at XXXX XXXX XXXX, XXXX, GA XXXX ; Phone : ( XXXX ) XXXX ) who seemed negligent to tell me how my loan would work. They assured after successfully completing the auto loan for a year, I would be able to either refinance or trade this vehicle in for a lower price. I initially contacted XXXX XXXX XXXX in XX/XX/XXXX but to no avail no one is willing to return my phone calls.
10/12/2015 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • TX
  • 77066
Web
I have been a customer with this bank for years and for the most part I have not had any problems, until recently. I began reviewing my account statements after I received a notice that my account was over drafted over {$700.00}. I will be honest in saying that I have unintentionally over drafted my account in the past and have been able to bring my account in the positive within a reasonable amount of time. When I reviewed my statements, I started by reviewing the balance and charges from XXXX until recently. I would subtract the charges shown from the balance provided on my statements. Often times when I was charged an overdraft fee, there would still be available funds in the account. I have been charged {$36.00} overdraft fees for charges well under {$5.00}, the smallest being a {$0.00}. I know difference between an available balance and posted balance, still according to my research, a lot of the overdraft fees I was charged was done in error. The way BB & T explains how they process payments and the difference between an available balance and posted balance seems very deceptive. Based on the numerous complaints I have reviewed, I am not the first customer to have this problem. My account is utilized for various reasons and BB & T has put me in great financial trouble with other institutions I pay using the funds that are deposited in this account. I contacted the customer number XXXX to resolve this, both times the line disconnected. I only decided to submit this complaint as a last resort when I checked my bank statement to find out I was charged {$4.00} for contacting the customer service number in order to resolve my problem. I would like to remain a customer with this bank, but I do not agree with how I have been treated and taken advantage of.
09/04/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • VA
  • 22315
Web Servicemember
We purchased our home in XXXX XXXX for a closing price of XXXX and a second loan to cover the rest of the cost in the amount of XXXX. Both loans were provided by the same bank and totaled more than XXXX XXXX paid for this new construction home. The bank also steered us toward an interest only 10 year ARM at 6.75 % interest to ensure we could qualify and afford to make the payment. A year after we moved into the home in XXXX XXXX our tax assessed value for the home was listed at only XXXX. This represents a nearly 40 % decrease in home value compared to the XXXX XXXX XXXX indicated the home appraised for in XXXX XXXX. Over the past nearly 11 years we 've tried on several occasions to get the bank to restructure the loan given the lower interest rates and grossly overvalued appraisal of the home. The bank has refused to assist us on each occasion, the last being in XXXX of XXXX as we were nearing the end of the 10 year ARM. As a result our mortgage has increase for the second consecutive year and we fear continuing annual increases will lead to financial challenges to pay our mortgage. We believe BB & T colluded with homebuilders and appraisers to grossly overinflate home values in XXXX at the height of the housing crisis and intentionally steered us toward a 10 year interest only loan to lock us into a situation where we are unable to refinance due to loan to value policies for lending institutions. Furthermore, their refusal to restructure to loan to ease financial strain is purely financially motivated. The value of our home as of our home as of XXXX XXXX, XXXX during the latest official appraisal was indicated to be {$800000.00}. Even after 11 years, that 's a nearly 37 % decrease in value related to the bank 's appraisal value of the home at closing.
03/31/2017 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • GA
  • 30126
Web
I use BB & T for a supplemental checking account. The auto deposits from multiple companies I wrote insurance products for caused me keep the account open. I have about XXXX transactions on the account per month. An annual review and reconciliation of the account works for me. When I infrequently looked at my statements I would note XXXX charges for {$7.00} per month. These charges are for interfacing with XXXX software. However I do not need or use XXXX to keep up with the minimal accounting requirements of this account. Everytime I noted the charges I would go to a branch to complain and they would refund only a few months worth of charges. In XX/XX/2016, I spent an hour with BB & T on the phone, flagging my account to never get charged for XXXX again. I never authorized these charges and have never downloaded anything from the bank to XXXX. I have paid hundreds of dollars in XXXX fees for nothing in return. In XX/XX/XXXX I discovered that I had been charged monthly since XX/XX/2016 when the account was changed by BB & T. I complained on-line and BB & T sent me a letter telling me I had logged into their system and gave two times where they said I had logged in. One time was when I was in church and the other was when I was at work. XXXX and BB & T were not, could not, have been accessed by me at these times. Nevertheless, the bank used these false log-in times as justification for not refunding the fees. I am in the process of fighting the denial. The BB & T employee who wrote me did not supply a direct dial or email and I have invested time telling my story and having more investigation only to be told the letter writing employee was the only one who could help me. I have to call again on the next business day as the employee is out of the office.
11/28/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33157
Web
There are XXXX hard inquries from BB & T that are showing on my XXXX report. A authorized soft inquiry was done to open an account. On XX/XX/XXXX2017 a authorized hard inquiry was placed on my credit report for a credit card which I was denied after asked to step inside of a local branch to provide my identity. But there are XXXX other hard inquiries received once I stepped inside of a local branch after applying. There are a total of XXXX hard inquries on my credit report and I am disputing XXXX of them. A banker is only allowed to pull credit once for a single credit card application. I was not aware of the other XXXX hard inquiries on my credit report and wasnt told that of the number pulls for a single applicarion, until viewing my XXXX report. This is damaging my credit when I have only applied/ authorized XXXX credit pull for one credit card. I currently have an account with BB & T and was told a soft inquiry would be pulled to open a bank account and also being given a debit card along with it for that account. A few months later after opening that account. I applied for a credit card recently on XX/XX/XXXX 2017 and saw that XXXX hard inquires was placed on my credit report at once.One was done twice on the same day. I am requesting for XXXX of them to be removed from my credit report. Not the one which I applied for a credit card with, that should only be XXXX hard inquiry and also a debit card that usually comes with a open checking 's account should. That should not come along with a hard inquiry.The banker did not explain this to me and I was unaware of the additional credit pulling .If I had known this I would not have taken a risk to have a total of XXXX hard inquires from one bank on my credit report, which is damaging my credit score.
09/29/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • MD
  • 21811
Web
In 2014, my business, as I am XXXX, had a downturn in gross income. The decline in income was temporary as my business is strong, but I lost personal income and fell behind in my mortgage for three months. I explained the circumstances, and asked my bank BB & T to help me with a deferment and modification as my interest rate is 5.75 %. As I am XXXX, my income was not high enough, to refinance, get a deferment, get a modification, and they suggested I sell my home. If I had not come up with the money that was owed, and the late payments that accrued, I would have lost my house. I am in the XXXX, and I can tell you, they were quick to turn on me, and begin foreclosure proceedings. BB & T fraudulently appraised my house {$200000.00} less than it is worth. I was surprised at the quickness that their resolution to me was to sell the house in a short sale. My house is worth, {$580000.00} they said it was worth {$380000.00}. As i look through title work daily, XXXX, I wonder how many people, who were unable to understand the process, and do not have the means to fight the banks, have lost their homes. I see foreclosures daily in my work, and hope that I may avoid this same scenario in the future by being proactive and speaking out about the banks unfair practices, especially toward the self employed. BB & T bank, if they would have just refinanced my rate, would have allowed me to save monthly. The bank, if they would have put the money I was late on, at the back end of my loan, modified the loan, I would have benefited. But they were not interested in helping me. BB & T would rather own my property like the many bank owned real estate inventories rising in America by pushing the little guy aside, throwing us all out on the street, and out of our homes.
10/27/2018 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • MD
  • 21061
Web
On XX/XX/2018 a unauthorized charge on my debit card of XXXX for XXXX was made. This charge was not made or initiated by me in any way. On XX/XX/2018 I called my bank BB & T to immediately let them know this charge was unauthorized it wasnt me. I was told to wait until the charge stop pending and fully clears. Now I did not have {$410.00} in my account my account was overdrawn {$240.00} extra dollars. Which left my account in a negative {$160.00} due to me enrolling in overdraft protection. Now in that process waiting for the transactions to clear so I can file a unauthorized dispute XX/XX/XXXX BB & T charged me XXXX in over draft fee which overdrawn the account XXXX XX/XX/XXXX I filed a dispute with my bank for a unauthorized charge to my card of {$410.00} via online system XX/XX/XXXX I was charged another {$36.00} in over draft fees XX/XX/XXXX I was charged yet again another {$36.00} dollars in over draft fees On XX/XX/XXXX I called the bank to see what was going on with my dispute and why I havent recieved any credit to my account or my over draft fees return. I was told by the bank representative that the dispute was denied. I responded how I did not make the purchase I did not initiate it it was unauthorized. I then got a answer of them telling me its nothing they can do. And it will be a client lost I then contacted CEO branch of BB & T and they are further investigating Keep in mind my account is still over drawn at XXXX at this time I still have yet to have my problem solve or credit or refund on theover drafts fees I have absolutely no money to my name and a Want this resolved I shouldnt have to add money to my account to use it. XXXX XXXX cash stole my debit card information and initiated a {$410.00} transaction with no consent
09/24/2016 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • FL
  • 328XX
Web
On XX/XX/2016, XX/XX/2016 BB & T bank charge me overdraft fees of {$36.00} each that amounts to {$72.00}. When I log in and open the account online and review the overdraft fee transaction in my account details it says " Your account had insufficient funds to pay XXXX item ( s ). BB & T returned the following item ( s ). Total Item Amount : {$.00} TOTAL RETURNED ITEM FEE ( $ XXXX/ITEM ) : {$36.00} " The message above in parentheses is ambiguous. This message is not complete. This message shows no useful information other than the amount that I am being charged. This message does n't tell me what item was returned making it impossible for me to resolve this with the party that did not receive the payment. Whenever a check is returned not only does BB & T charge a fee but the receiver of the check also charges a return item fee. And I feel that these insufficient fund charges created by BB & T are not warranted and not justified. What BB & T has done is create a very being problem that not only cost me money for their overdraft fees but cost me money for the fees that the payment recipient charges to me as well. On XX/XX/2016 I was charged {$36.00} dollars for insufficient funds available. My available ending balance on XX/XX/XXXX was {$2500.00}. My available ending balance on XX/XX/XXXX was {$2600.00}. My available ending balance on XX/XX/XXXX was {$2700.00}. I do n't understand how I could have overdrafted. I certainly had enough money to cover any bills. On XX/XX/2016 I was charged {$36.00} dollars for insufficient funds available. My available balance on XX/XX/XXXX was {$3100.00}. My available ending balance on XXXX was {$3200.00}. My available ending balance on XX/XX/XXXX was {$990.00}. I dont understand how I could have overdrafted.
02/06/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • HI
  • 96706
Web Servicemember
BB+T forced placed flood insurance on my mortgage which added over 60 % to the cost of my mortgage. I have since provided BB+T with proof that i did indeed have flood insurance and they have claimed at first they had received it, then afterwards claimed they did not have said proof. I have read online all about the banks receiving kickbacks from the insurance companys for retroactively buying insanely expensive insurance with zero risk to the insurance company or bank. Which brings me to the math, BB+T wants me to pay them over {$1600.00} a month for my mortgage which was just {$1000.00} a few months ago. The craziest part is that the flood insurance only cost me {$300.00} dollars to buy myself for the entire year. Thats {$25.00} dollars a month for me to purchase it myself, the bank wants over {$600.00} a month for the forced placed flood insurance. BB+T wants over {$7200.00} a year versus my {$300.00} a year flood policy. My house is not worth {$1600.00} a month, nor is my flood insurance worth over 7 grand a year. I honestly dont know what i will do, it would be cheaper at this point to take BB+T to court or at the very least sell the house. I cant afford to keep paying the bank this much money. I 'd just end up having to let the house fall into foreclosure if nothing happens which will most likely kill my XXXX in the military. Please, i really need someone 's help to get BB+T to take this insanely expensive forced placed flood insurance off my mortgage. I cant believe we live in a world where a bank can mark up something like flood insurance 24 times and expect the customer to just deal with it. I can honestly say the if i 'm ever able to purchase a house again any bank that has such shady business practices will not hold my mortgage.
04/06/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • TX
  • 76123
Web
Regional Acceptance failed to send me notice of the " insertion of negative information being submitted to the credit bureaus '' I sent a letter to Corporate making them aware that they violated FCRA 623 ( a ) ( 7 ) Negative Information / ( A ) Notice To Consumer -- ( B ) Time Frame Instead of acknowledging the intent of the letter which was pointing out the above law, they chose to take the letter as if I was disputing the " PAYMENT HISTORY '' I was NOT! This complaint would be a duplicate complaint if I was disputing the payment history. I called today XX/XX/2017 and management asked what law was I claiming they violated, he stated that it was a note in the monthly statement ( XX/XX/XXXX ), which do n't clearly speak about inserting negative information to the credit bureaus. Regional Acceptance was Obligated to send me a separate notice notifying me of negative information being submitted to the bureaus and failed to do so. The XX/XX/XXXX statement the manager mentioned was irrelevant, because by XX/XX/XXXX the negative mark had already been reported ; the statement notice " threatens that action would be taken '' It had already happened. This is not a dispute, I 've been deceived by this company into taking extensions without properly explaining repayment which is what played a part in putting me behind, and my rights were violated according to FCRA 623 ( a ) ( 7 ) Section A and Section B. ALSO UNDER FACTA LAWS, REGIONAL IS REQUIRED TO FURNISH ME WITH DOCUMENTATION REGARDING INFORMATION BEING REPORTED TO THE CREDIT BUREAUS. I CALLED XX/XX/2017 TO EXERCISE MY RIGHTS UNDER FCRA 623 ( a ) ( 8 ) The manager never got on the phone to speak with me. Sent messages through reps. DELETE THIS 1 LATE PAYMENT FROM MY CREDIT REPORTS ASAP
05/13/2017 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • PA
  • XXXXX
Web
My experience with this bank on weekends is disappointing, questionable and curious. When I deposit funds on a weekend ( weekend as defined by this bank : Friday afternoon, Saturday, Sunday and Monday XXXX the credit does not hit my account until the bank settles it Monday night. But if a debit hits the account during those times the bank debits the account immediately. Specifically on XXXX they debited my account for a {$150.00} check. I had insufficient funds so they bounced the check and also charged me a {$36.00} overdraft fee. I was notified of this fee, etc. via an email from the bank I received on morning of XXXX and only finally saw when I checked my emails afternoon of XXXX .! Also on XXXX about XXXX P.M. I made a cash withdrawal of {$70.00} from an ATM out of this account. Question # 1 : Why did they allow this withdrawal? Why was it not denied. Question # 2 : Why did n't they wait until they settle weekend credits to also settle weekend debits?! Settling credits this way is disadvantageous to me, and allowing debits this way is advantageous to this bank. It does n't seem right to me. It seems wrong and illegal. In the past I received emails from this bank that a debit hit my account larger than my balance, and I was given a three or four da y grace period to move funds into my account to cover the debit, and the bank did not charge me an overdraft fee. So why did the bank not send me a warning email and allow me to at least move funds into the account to cover the debit on Saturday, Sunday or Monday so that that credit would take care of the debit when the bank settles everything Monday night for the " weekend '' ( it 's even worse and a longer " weekend '' if Monday is a bank holiday ). Help. Thank you.
04/14/2016 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • AL
  • 35020
Web
Hello the nature of my situation is that branch banking and trust has placed a hold and or closed my checking and saving accounts and they will not release my funds to no one but the account holder which is I however I 've talked to the corporate office of the bank in XXXX north Carolina and filed a complaint although my complaint was forwarded to in investigator name XXXX XXXX whom informed me that bb & t can not con firm my identity because the bank do n't have a signature card on file and that I was never sent XXXX when the account was opened moreove I ask the investigator that will a power of attorney will do and a copy of my birth certificate and social security card he insisted that the bank will not accepted it I advised the investigator that I am incarcerated and that what you are asking to visit a local branch I can not due however he advised me that he will be back in the office on Tuesday XXXX XXXX, 2016 and that I should contact him to gat a status update I did and was advised that my account will remain blocked and eventually donated and closed then sent to the state of Alabama and I would have to collect it from them furthermore I asked that I can send my finger prints for verification he insisted that it want do the investigator confirmed I was incarcerated so therefore any documents I would try to send to verify my identity want do because they want me to come into the branch in person I even assigned my aunt to be my power of attorney although investigator will consider that and I 've talked to several attorneys whom also advised me to contact this bureau for immediate assistance I ask that this bureau to find a solution because that bank is going beyond the scoop of the banking laws it just not right thank you
08/13/2018 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • XXXXX
Web
To : BB & T I am sending you this notice to inform you that under my rights according to the Fair Debt Collection Practices Act ( 15 USC 1692g Sec. 809 ( b ) ) I am FORMALLY DISPUTING your claim and requesting VALIDATION of the account. Please note : I am not requesting verification of the account and I do not need you to provide me proof of my mailing address. I am respectfully requesting that your office provide me with evidence that I have a legal obligation to pay you. Please provide the following : 1. Detail of what the money you say I owe is for 2. How the amount you claim owed was calculated 3. Verify that the legal statute of limitations is still in effect 4. Copy of your agreement with the original creditor 5. Provide me physical papers that show I agreed to pay what you say I owe ( including my signature ) 6. Provided a copy of any judgment you have received, if applicable 7. Identify the original creditor 8. Please provide a copy of your LICENSE TO COLLECT in my state, including the number and registered agent 9. Please provide Name and addre ss of original creditor. 10. Are you the original creditor or debt collector? 11. What the high balance of this account? 12. What date was this opened? 13. When was last payment made? 14. How much was last Payment? 15. What day of last activity? 16 What the date of 1st delinquency? 17. What charge off amount? I am letting you know that what you is doing is wrong, and to please stop doing it. 1. Stop putting incorrectly information on my XXXX credit report. ( under the Fair Debt Collection Practices Act ( " FDCPA '' ), 15 U.S.C. 1692 ) 2. Stop used false representations and deceptive or misleading representations or means to collect or attempt to collect a debt.
08/12/2015 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • FL
  • 346XX
Web
I currently have a mortgage with BB & T ( initially XXXX Bank ). The mortgage is on a home I purchased in 2005 for at the time was my Primary residence. We have since converted this to a rental property as the home was no longer able to accommodate our growing family, and we were unable to sell due to market conditions. The mortgage is what would now be considered a predatory loan ( XXXX Interest only 1st 10 years ). In the past month the payment has ballooned as the loan has modified to its amortization stage the payment has increase by more than doubled what is was during its Interest only Phase from {$480.00} per month to over {$1100.00} per month. XX/XX/XXXX anticipating this change I reached out to BB & T to see if they were able to work with us on a refinance or loan modification. We were told we were unable to refinance due to the currently loan to value of approximately 130 %, the loan was not qualified for the HARP program as it is not backed by XXXX or XXXX XXXX ( we are told it is a BB & T/XXXX loan ). In XX/XX/XXXX we proceeded with the Modification/loss mitigation request as we were told this was our only option. After countless hours of works and endless documentation requests over almost 4 months we were told we had been declined for modification to a 30yr fixed program, leaving us only XXXX options keep making a payment we can not afford or let the home go into foreclosure. The reason for decline was that our current rents received cover mortgage payment. What BB & T failed to account for while delivering this decision is that there are Property Taxes, Home Owners Insurance & HOA Fees tied to this property that also require monthly payments. When factoring in these amounts we are at a significant loss.
09/24/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 30265
Web
In XX/XX/2019, we experienced a financial hardship and we worked with BBT Mortgage company to make partial payments to insure we did not fall behind. In XX/XX/2019, we were advised that our Mortgage had been transferred to XXXX XXXX XXXX company. XXXX immediately placed us in a delinquency status. XX/XX/2019 we made contact with both XXXX and BBT in an attempt to get the two of them to speak. This was unsuccessful. BBT XXXX XXXX at XXXX told me " you are no longer our customer we can not help you - you must work with XXXX . She went on to say They have to work with you! '' I called back to XXXX and spoke with their representative XXXX. She told me that if I faxed over a request for account review XXXX should be able to get a payment history from BBT. I faxed this letter copied both XXXX and BBT requesting an audit/payment history. On XX/XX/2019 we received a certified letter from XXXX stating intent to foreclose. XX/XX/2019 we contact XXXX again speaking with an XXXX in loss mitigation we attempted to make a payment arrangement and advise we would pay {$1200.00} ( full loan payment amount ), he refused to accept it. Told us that they will not accept anything but the full amount of {$4300.00}. Explained we do not have that and again went through details showing we are not behind. This was to no avail. We provided financial information to XXXX to see if we could qualify for a payment plan to catch up ( even though we still believe we are not delinquent )! He said it will be reviewed we may or may not be granted approval. Said it was likely not going to be approved because our finances are too tight! I am unaware of anything else I can do but to reach out to every resource possible to get someone to clear this up.
01/17/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Application, originator, mortgage broker
  • VA
  • 24551
Web
We went to BB & T bank to get a pre-qualification letter for a XXXX home or investment property. we wanted to use them because we already have XXXX loans with them and have been customers of theirs for years. We gave the mortgage professional there all information she asked for and we were pre-approved. we took our letter and stated looking. We soon found a rental property ( duplex ) and made an offer well in our budget. the offer was accepted and we called XXXX to get everything going on this property. We had to get them a few more documents but all was going well. She said she even wanted to do a fast close since everything was in order which was fine for us, the duplex already had tenants in place, so it was all ready to go. We were putting money in our pocket after making our mortgage payment, a win win situation. Well a week before closing, which was scheduled for XX/XX/XXXX, we started this a few days before XX/XX/XXXX, BB & T called, and said we could not get the house. they determined that they were going to need XX/XX/XXXX tax returns!!! That will take months!! They did n't think of this before we started this whole process?? We had already paid for inspection and radon tests {$440.00}, appraisal fee {$530.00}, and who knows what could come from the title company because they were done with their work as well. Our realtor was boggled to say the least as well as us, we were very irritated with BB & T foe letting us get this far!! Now the Mortgage professional says we can not get any of that Money back. All she said was sorry. She also did n't even know it was a rental ( duplex until I told her a few weeks into all this. She had all the info on the property from our realtor. What was she doing!! Please help.
03/29/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • FL
  • 334XX
Web
Our Family owns an automotive repair shop in XXXX Florida. We have served this community since the XXXX. My father in law had a loan with XXXX Bank. FDIC focreced BB & T to take on XXXX bank and thus our loan was now with BB & T. Everything was fine and BB & T even approved a 2nd Loan to the business with my father in laws guarantee. The economy tanked in XXXX XXXX and my father in law fell behind on the payments. In XXXX of XXXX my father in law passed away leaving everything in flux. I have a background in mortgages and specialize in loss-mitigation, so The day he passed away I reached out to the BB & T account manager at the time and his response was " yeah no wonder he had a XXXX XXXX after the news we were giveing him '' alluding to the pending forclosire. We have attempted to negotiate the terms of the loan, request to modify the loan, short-sale the property, requested the original loan documents, and even requested a BK attorney reach out to the bank in order to negotiate in good faith. The bank has been silent with the exception of leving our BB & T accounts on XXXX XXXX XXXX XXXX, putting us in a precarious situutation unable to make payroll and our Accounts payable. Since then our attorneys received notice of mandatory mediation secheduled for XXXX/XXXX/XXXX issued through the courts ; BB & T I suppse woke up because in the last two weeks they moved for a motion requesting forclosure decison be completed prior to mediation. We have worked tireslessly for the last two years to bring the company back from the edge of bankruptcy and the shop is doing well. We have emplyees and their families we are considering not to mention the lovely hood of a family that has depended on this business for 15 years.
06/03/2019 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Deposits and withdrawals
  • GA
  • 30045
Web
I received a insurance check for storm damage to my roof of my home in the amount of XXXX I deposited it in my bank account savings at an ATM machine at BBT who I bank with for over 20 years. I have a mortgage account with XXXX XXXX who name was also on the check the check also has my name spelled incorrectly on it ( spelled XXXX and the correct spelling of my name is XXXX which I have told the insurance to correct multiple times I have also put it in writing for XXXX which is the insurance company to correct the spelling of my name ) This is my first ever claim and now know that XXXX XXXX should endorse the check, I ask BBT they could provide me a certified copy of the check and they said at the time they had to wait for a manager and then they came back to me and said they no longer have it, BBT then ask me to get with XXXX which is the insurance company to cut me another check and after about two months XXXX responded back saying they could not due to the check has been cashed by the bank in which it has, now i am at a stand still with damages to the roof of my home and a check that BBT will not release due to improperly endorsement but will not provide a check for me to get endorsed, I have spoke with a corporate from BBT and they are telling me to go back to XXXX the insurance company and the insurance company is telling me to go back to BBT due to the check show it has been cashed, BBT has even asked me to take paper work to XXXX XXXX and get them to sign a affidavit and XXXX XXXX is not willing to do so, all they ask for is the check or the certified copy of the check so that they can stamp. I keep hitting a brick wall and cant get any answer as to what I need to do to get my project started for my home
04/30/2015 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • XXXXX
Web
I opened check account with XXXX XXXX XXXX, XXXX TX on XXXX XXXX 2015 and the banker helping me with account clearly told that there is no minimum balance needed. I told him that I will be going to XXXX on XXXX XXXX. On XXXX XXXX, XXXX transferred my account to BB & T as BB & T bought all XXXX in Texas. BB & T says that they received my account from XXXX with a negative balance of {$59.00} and BB & T threatening me that they will charge off my account and report it for collection if I do not pay. XXXX says that they reversed {$59.00} charge ( {$25.00} for checks and {$34.00} overdraft fee ) as it is not of my fault to receive stale ( not usable ) checks and my account was transferred to BB & T with ZERO balance but not negative. I am sandwiched between these XXXX banks as XXXX and BT & T refused to talk to each other as they said that they are not allowed to discuss about customer accounts as they are separate banks. After several phone calls and several requests, XXXX gave me a ticket number for the case but have not heard back from them yet. Meanwhile, BB & T is threatening me via phone call that they will take further steps to collect {$59.00}. To avoid further complications and effect on my credit, I requested my nephew to pay {$59.00} into my BB & T account and requested them to close the account. I am a victim of the sale of XXXX to BB & T and it is totally unfair for both banks not to talk to each other to resolve the error and putting customer in great trouble to the extent of ruining their credit for no fault of theirs. I request your authorities to talk to these both banks and ask them to help me to resolve this issue. I am sure that there might be more customers in this situation and victimised.
01/27/2017 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • SC
  • 295XX
Web
I have had damage from Hurricane XXXX, from XXXX foot storm surge in my downstairs. The adjuster came, I received a check, but the check was written to me and my ex 's mortgage company BB & T. XXXX will not change the check for me. From my divorce decree, it is very clear that I am the only homeowner, and because my ex did n't have the cash to pay me off in the divorce, I allowed him to change the mortgage to his own name. BB & T purchased his mortgage apparently. I have made about 20 phone calls to their Property Damage Claim Department XXXX, and have sent in personal documents they have requested despite the fact that I have no relationship with them, contractually or otherwise. I asked them to allow me to get a local branch endorsement so that I could proceed with the hurricane damage repairs, but today they turned me down and expect me to endorse the check over to them and turn my life and house over to their control. The check is for flood insurance that I paid voluntarily due to my property being in flood plain XXXX, which does not require flood insurance to be escrowed or even kept on the property ; I did this for my own safety, and if I did not have any flood insurance, would have taken a financial beating with this hurricane, and BB & T would not lose a dime regardless. I am tired of their meddling in my business, and refused to submit to their demands that I endorse the check over to them, file all manner of paperwork with them and inconvenience my subcontractors. Once again, I have no relationship with BB & T at all, and the mortgage on this property is a very small percentage of the value of the home, yet I would lose a tremendous amount of money if I were forced to sell it with the damage.
08/09/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • GA
  • 30252
Web
My vehicle was repossessed by XXXX XXXX in the State of Georgia on or about, XX/XX/2015, and resold on or about XX/XX/2015. Under the laws of the State of Georgia UCC, O.C.G.A. 10-1-36 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. These notices were not given an violated thus law. I was not given a 10 day Notice of Right of Redemption/Right of Reinstatement '' if the car was sold at a private sale, the date of the intended sale if the lender intended to sell the car at a public auction, they didnt notify me of the time, date and location of the auction to give me the opportunity to bid on the property or bring your own bidders an explanation of your liability if I owe a deficiency balance after the sale a description of how I could obtain an explanation of how the proceeds of the sale are applied to my debt obligation a description of how I can obtain an explanation of how the lender calculated my debt obligation contact information to find out more information about the upcoming sale. During the end of the loan I was harassed by your customer service representatives with threats of wage garnishment and other legal matters. Under the Fair Debt Collections Practices Act you are not permitted to harass me with such attempts. I have reached out via certified mail and was ignored the following proof of documents and not reached out to by anyone of the company. I'm looking for my account with all 3 credit bureaus and responsibility for the balance your stating I owe in collections to be removed. If not I will take things in to a legal matter.
01/03/2018 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 622XX
Web
I went to a XXXX XXXX to buy a car. I came to find out the salesperson used deceptive and fraudulent tactics to obtain the sell which caused personal and credit damages to me. I do n't have the means to pursue them finically so I have never filed anything against them. I was initially denied the car because of my credit, even with my mother cosigning. The following day the salesperson called me said he found a way to get me approved. So I went to the dealership to sign the papers and drive off in my car. When I got my first bill for the car the statement it was far from what I and the sale person agreed upon. I took a look at the papers they gave me and my personal info was incorrect and the price was incorrect. I came to find out the salesperson change letters around in my name and added false info to me and my mother applicant to get me approved. I called the finical company and told them the situation. I asked to return the car but the operator could n't give me a straight answer on how the process worked. I got frustrated and hung up and called to get another operator, I told the operator the same situation and that I could n't afford the car and the information was false. I would just like to return the car to the dealership, the person threating that I would still have to pay for the balance left of the car even tho I did n't make one payment and the sale person add fraudulent information to my application. After not paying a payment on the car eventually, the repo person came and pick the car up. I thought the situation was taken care because I did n't hear from them after they came and got the car. I recently notice info on my credit as well they have taken legal action against my mother.
08/24/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Confusing or misleading advertising or marketing
  • MD
  • 20850
Web
I went to BB & T in XXXX Maryland to change the responsibility of my car loan to my husbands name because I got this car for him when he did n't have a social security number at the time and he is the one paying every month for his new car, so more than fair that now that he has his social to take this car out of my credit history. I went to the bank and I spoke with XXXX XXXX XXXX a suppose loan specialist. I told him exactly what I wrote above. He said that would n't be a problem as soon I would co-sign for my husband, and I agreed and signed the contract. I did n't read because what we said was clear and he said was n't a problem to do what I asked. Later on he called me saying that both names would be in the car title, I said no, I wanted my name out of everything I would just co-sign, than he said if you want pay XXXX dollars more to make it a sale to your husband I could, I asked him that normally they include that at the loan and we do n't need to pocket it right away. So I called his manager to ask about including the XXXX on the loan when his manager than told me that when I co-sign a loan the loan will be keep showing in my credit report and he said sorry for the employer mislead me saying that would n't be a problem, but at this point there was nothing he and I could do because the contract, that he never gave me a copy. was already signed and the check was made. The only thing he said that I could do was get another loan with another institution at my terms. I said I wanted to cancel the deal because I was mislead and betrayed by one of the institution 's employer and again he said he could n't do anything. This is at a least case of a very dishonesty way to make his monthly cote.
04/29/2015 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • VA
  • 22043
Web
I have had a horrible experience with my mortgage from BB & T from the start. However, this latest issue has really frustrated me. My intention from the start has been to pay {$1600.00} towards my loan, XXXX a month. My monthly payment is around {$2700.00} and the remainder is to be used to reduce the principle. The reason why I am paying XXXX a month is to reduce the interest that accrues on my loan. After contacting the bank today, I learned that they do not apply my {$1600.00} payment to the balance of my loan until the full monthly payment is received. The money sits in a " suspense account ''. Therefore, I do not pay less interest at all. However, BB & T has my cash that they can use to invest and earn profits for themselves!!! Their customer service told me that their system is not set up to support bi-monthly payments. However, on top of all of that, BB & T sold my personal information to multiple organizations. Since closing I have received multiple letters in the mail from different companies offering to help me pay my mortgage and suggesting that I consider making bi-monthly payments because it will reduce my overall lifetime mortgage cost. It is just wrong that BB & T does not offer bi-monthly payments to their customers but will sell your information to other companies offering to do just that! This is just a fraction of my issues with BB & T. In addition, they lost my original loan paperwork with all of my personal information on it. To date I have received no follow-up on that issues, so as far as I know it 's still lost. And, I had a horrible experience with my mortgage loan officer who was incompetent and incredibly rude. I would refinance in a heartbeat if it were n't so costly!
09/09/2015 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • FL
  • 333XX
Web
On XXXX XXXX, 2015 I was transferring {$350.00} to a friend XXXX. My friend and I decided it was wiser to meet and exchange funds so the transaction was Cancelled. The debit of {$350.00} came out of my BB & T checking account. It took until XXXX XXXX, 2015 for a credit of {$350.00}. to appear. I was charged {$72.00} in return item fees on XXXX XXXX XXXX My account would not have overdrawn had the {$350.00} been in it XXXX. After daily phone calls to both BB & T and XXXX and many XXXX calls XXXX it was decided on the phone with BB & T on XXXX XXXX that a claim would be put into Escalation to return the return item fees ... A process I was told takes 24 - 48 hours. On XXXX XXXX I again called. Not only had the {$72.00} not been credited to my account but another {$36.00} overdraft fee was charged ... My account would not have been in negative had the {$72.00} been there!! I was informed by BB & T that they had filed the wrong claim form and that ... oops, we 'll send the right one up XXXX A process I wish I could charge {$36.00} for ) ... I have called on a daily basis. I went to close my account from BB & T XX/XX/XXXX and asked how they 'd be returning my money for the incorrect fees only to be informed that returning my money was " courtesy '' and if I close my account I would Forfeit the funds!! It is now XXXX XXXX, 2015 almost one month later and I STILL HAVE NOT RECEIVED THE MONEY FOR THE BANK 's ERROR! Additionally, the companies that the items were returned to have charged returned check fees and in XXXX case a late fee. NONE of these fees or mistakes are of my own doing! The money to satisfy my debits would have been there had it not been for XXXX initial error and BB & T 's assessed fees.
02/21/2018 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • FL
  • XXXXX
Web
1. We are a licensed Money Transmitter in the state of FL. 2. We deposited checks at our BB & T account in XX/XX/ in the amount of XXXX XXXX. Each of these checks has : a. fingerprint of the original owner of the check ( person we negotiate the check from ) b. FL unexpired driver license number of the original owner. 4. The bank sent us certified letter dated XX/XX/ ; postmarked XX/XX/, that we received on XX/XX/. 5. The letter states that our account will be closed in 10 days. 6. As we tried to removed the funds from the account, we realized that the bank placed a hold on the account, scheduled to be released on XX/XX/. 7. When we contacted the bank on or about XX/XX/, the account was already closed and the bank has since refuse to give us our work-like-a-slave-made money. 8. At the time of closure, the balance in the account was {$13000.00}. 8. Since everyone knows that this nation has a history of stealing what is NOT theirs : as they have done to the indigenous people after SLAUGHTERING them and to the poor XXXX people from XXXX and subsequently sent their descendants to jail, they are trying to steal our work-like-a-slave-made money. 9. The only way they will be successful in doing so, would be to kill us, just like they have killed the XXXX to steal their land and technologies. 10. Since the bank has attempted to steal our work-like-a-slave-made money, we have NO intention to go any where near any of this bank branches. 11. We just need our work-like-a-slave-made MONEY, period. Otherwise, come and kill us so that you can steal it. 12. These people have grown up with crimes in their blood. It is NOT easy for them to stop being criminals. They are the TRUE terrorists.
01/13/2017 Yes
  • Debt collection
  • Auto
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 34744
Web
I have received phone calls from Regional Acceptance four to five times a day! Sometimes even more than that. Over the past few days they have called at least twenty times and from several different numbers. This includes calling and hanging up right after. They even called me 4 times within an hour! I ca n't answer the phone most of the time because I 'm at work. They will call all the time. I 'm behind on my bill but they did n't honor an agreement made. I made a payment recently online and saw that they are still charging me for XX/XX/2016. I have paperwork stating that it is pushed to the back of the loan. I have had harassing calls in they past from Representatives, supervisors, and managers alike. It got so ridiculous I had to speak to a branch manager. This company is very unprofessional and they do not honor their agreements. I 'm a single parent and had to deal with many hardships when I got my vehicle financed through this company. I have tried my hardest to play catch up but XX/XX/XXXX I took a pay cut. When trying to pay up my balance XX/XX/2016 that also became another issue with multiple problems. I kept getting quoted different amounts and no one could give me a straight answer. They tried taking a payment and it did n't go through. When I called to find out how I could resolve the issue they said oh just pay x amount and then I wo n't have to pay XX/XX/XXXX. Completely differen again from what I was told days before. And I did pay. Now they are n't keeping their word. I do n't trust this company or the workers there. I do n't know what to expect while I 'm on the phone with them. Majority of the time I 'm met with hostility and do n't feel comfortable speaking to anyone there.
12/01/2017 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • PA
  • 17552
Web
XX/XX/2017 at estimated time XXXX XXXX to XXXX XXXX I tried depositing {$500.00} in cash all {$20.00} into atm. I put my atm card and went through all processes to where atm took my {$500.00} in cash in machine. After it took my cash ; the ATM went into out of service mode and released my atm card and kept my money. It did not give me any receipt or credit my account. No fail safe on ATM. I went into bbt bank in a panic and a XXXX XXXX addressed me and made me wait about 10 minutes. Finally he took me in his office and not really believing me. Took my atm card and driver 's license looked up my account and started questioning me about previous complaint and wanted to know details and this had nothing to do with ATM or him. Finally he made a call and told me there nothing he can do go get the number off the ATM machine and call it. So I had to drive around and get the number off ATM machine and it was bbt number. I called number and they asked me why the branch did n't file a report for the ATM malfunction and missing cash {$500.00} because bbt services the ATM. I filed reports and then XXXX started calling me again stating he was sorry. I did n't get a case number and I feel very upset the ATM stoled my {$500.00}. There was no fail safe on ATM it didnt give any receipt. I asked bbt if I should file a police report and I did ask XXXX XXXX for the security video showing me making my deposit. The money was for my XXXX XXXX for my puppy to be flown here. My husband gives me cash every week and I had saved it up. I was in shock it stoled my money and even more in stock XXXX XXXX did n't believe and questioned me on a previous complaint like I was lying about the ATM stealing my money.
07/11/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • FL
  • 33487
Web Servicemember
Hello yes i my week of XX/XX/2018 started off with nothing but i don't knows and incompetence. The large bank know as BB & T did nothing to help or assist the consumer after a direct lie. This lie is costing the start up company thousands of dollars and the bank does not care it could possibly cripple the company. The bank manager was not helpful at the location XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX after i informed her that her employees lied and she was also one that assisted in the set up of my account. I want the employees and the manager to be held accountable for all the charges i incurred for charge backs on the accounts as well as the fees i paid for my merchant services and the funds to be released from my account. Secondly i need to be compensated for my time so the total amount liable to bb & t should be {$3500.00} minus the released funds. The issue at hand i explained to BB & T as i set up an account for business banking that i would be processing checks through a third party that would be deposited in the account. I was informed of a specific account that would manage all of my needs. I was excited at the time to make BB & T my main bank. So as i transferred my account over to the bank i find out everything i was told was a lie! The bank then just gave me a bunch of i don't know 's and sorry we cant help you and then they said they will close my account! no one accepted responsibility for their actions that will cost a new small company thousands of dollars not even to consider clients that might cancel due to the terrible customer service of the bank. I have consumers that were charged fees and over draft charges from their accounts due to the delay of the bank.
07/12/2017 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • WV
  • 252XX
Web
I drove up to the ATM machine at the XXXX BB & T. I used my XXXX XXXX XXXX card ( XXXX XXXX XXXX XXXX ) to withdraw money on X/XX/17. I asked for {$300.00}. It went through the whole process, asked me if I accepted the fee and I did and it said to take my money. No money came out. I walked into the bank to report it and the teller said to check with my card. I called the card and it posted that the money was taken out. I went back in and told the teller and she went to speak to a manager, or someone in dispute and she came back and told me she was told there was nothing they could do since I was not a member of the bank that I needed to file a dispute with my card. I called my card and they said I was doing the right thing and they took all the info and told me it would be investigated. I got an email after 12 days and it said the dispute was denied. I called and asked why and they said based on info the bank sent them. I called the bank to tell them I was denied. The teller again went to talk to someone and came back with sorry we cant help since your not a member. I got a number for customer service and explained to them what happened. I told her the day and time and asked why no one cant look at the cameras to see I did n't get any money. I asked for ATM number and was told they could n't give me that. I asked why they had the machine if they was n't reasposible for it and was told its a courtesy. I said there was no warnings that if youre not a member and something goes wrong that you would not be helped by that bank. They just apologize and say since Im not a member there is nothing I can do. on X/XX/17 I had a withdrawl of XXXX from BB & T ATM on my XXXX XXXX XXXX card.
08/22/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • OH
  • 44035
Web
i purchased a 2009 Hyundai sonata from XXXX XXXX XXXX XX/XX/2016 my down payment check bounced due to insufficient fund of XXXX dollars i was financed through regional acceptance corporation with a car payment of XXXX currently I 've had the vehicle 90 days and agreed to pay car note until i found out registration or vehicle is not titled to me on the memorandum title to obtain hard plates, i was told the vehicle is still in XXXX 's name even though i 'm currently approved for a XXXX dollar loan i was contacted by XXXX police also about the check, XXXX states give them regional 's money and the XXXX making a grand total of XXXX or there is no deal! i disagreed with that amount and was told return the vehicle, i said OK but only if the loan is being canceled so i can submit a new deal somewhere else, i went to another dealership and tried to purchase another vehicle for the same amount with a new credit application and it was denied because i 'm still being told if i give this car back it is a voluntary rep o, when that 's not the case i feel 90 days is more than long enough for a vehicle to go in your name also XXXX lied and told regional that the car was in my name when it 's clearly not, the police has called everyone on my credit application, also the fact that my check bounced do n't make me a criminal the account is still open and active and a direct deposit went through that same month bank had took my check due to fees a payment arrangement could have been made with XXXX but now the situation has went too far. i would like to be done with XXXX but in a civil manner and not at the expense of my freedom or me not being able to purchase at a different dealership or bank.
07/19/2016 Yes
  • Credit card
  • Delinquent account
  • NC
  • 27106
Web
I wrote a letter to XXXX on XXXX/XXXX/2016 stating that I have no money to make payments on the credit card. I stated that I am now on a fixed income & the income that I receive from Social Security XXXX are totally used up covering my minimal living essentials. I ask them to close the account & to please cease and desist from all future attempts to collect on my balance. Any correspondence related to my account should be conducted in writing to the address. Do not attempt to contact me by phone. And not to discuss or contact anyone regarding my account. I also wrote that I have become XXXX. I have received calls from debt collectors. The call I received Saturday XXXX/XXXX/16 had me crying so hard because I could not pay my minimal. I told her {$25.00} I could and it would take away my food. She started questioning me about if I had stocks, investments so I could pay. Told her no and she made me feel so ... .small, upset because now that I have become XXXX my life has changed dramatically and it 's really tough. I told her that I mailed a letter to the billing inquiries in XXXX, NC and she told me that I should 've sent it to XXXX, NC so I sent another one. ( If it is recorded, I ask BB & T to listen to it. I felt harassed, bullied and her demeanor was very mean. ) I received another call XXXX/XXXX/16. The lady was nice and kept apologizing because I felt so bad. She mentioned that they also had to close my XXXX and I said that was fine because I never used it. Now I am receiving letters from the bank saying that they 've denied me of the XXXX and turned it over to XXXX XXXX XXXX XXXX. I will continue receiving the statements with late fees of {$37.00} continuing to add up.
08/22/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IN
  • 467XX
Web
My mortgage is with BB & T Bank, recently I have been investigating ways to pay down my mortgage faster and I came across Biweekly Mortgage Calculator on BB & T 's website. It's a nice, easy to use calculator that you plug in your interest rate, mortgage amount, mortgage term, and payment type and it calculates your accelerated bi-weekly payment for you and shows you how much quicker you can pay down your loan. Ours figured out to pay off a 30 year mortgage in 26.4 years ... quite a savings! I called BB & T 's customer service number to inquire how I get set up on this payment plan. I was told they do not offer that type of payment plan, but I could send in my payments bi-weekly but it would not be applied until the full amount was received. ( the money would sit in a " holding account '' until the full payment amount was collected ). I ended up calling back a few days later thinking the rep I was talking to didn't understand what I wanted to do or was not knowledgeable of this program. I got the SAME ANSWER! I then asked for the corporate BB & T office number where I could speak to someone that was knowledgeable of this product. After 3 days I received a phone call back from a corporate manager stating they do not offer this product, and they were " checking into why this is on their website ''. She stated they do have a few customers that make bi-weekly payments, but they no longer offer this service. I don't understand how they can have this active link on their website under their Financial Planning Center tab to mislead customers when all they say is " I'm sorry, I know you're upset about this '' Sounds like false advertising to me! https : //www.bbt.com/XXXX
06/25/2019 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • TX
  • 78232
Web Servicemember
On XXXX XX/XX/2019, I requested BB & T Bank close my banking accounts and transfer my full remaining balance to XXXX XXXX. I received a confirmation email on XXXX XXXX that said my checking and savings account were properly closed and the wire transfer to XXXX in the full amount of all accounts was completed. On XXXX XXXX, I received a notice from BB & T that my account was overdrafted from a pending transaction and received an overdraft fee of {$36.00}. I spoke with BB & T about this matter, and they assured me a mistake was made on their behalf in leaving the account open and they canceled the overdraft fee. Furthermore, I paid the remaining balance from the pending transactions on my accounts and was told that all accounts were officially closed ( for a second time ). On XXXX XXXX, I received a letter from BB & T notifying me that I owed {$.00} -- " charged from interest '' -- and my accounts still were not closed -- despite the facts that I had been told on two separate occasions that they were and that I had paid my accounts in full on XXXX XXXX. BB & T refuses to conduct any of the account-closing measures over the phone, forcing me to come in person to close the account. BB & T 's failure to close my accounts and cooperate over the phone constitute harassment for moving business to a rival bank. BB & T has lied twice about closing my accounts and failure to do so has cost me time away from work and family and has made the transition from one bank to another as difficult as possible. BB & T 's employees are not helpful, have been rude with me over the phone and in person, and refuse to close my accounts as a punitive measure for moving to another bank.
10/07/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • FL
  • 33141
Web Servicemember
I have a son, XXXX XXXX XXXX, aged XXXX, XXXX but high functioning. I still have guardianship & conservatorship. I set up a student checking account with NO overdraft for XXXX at BB & T, my bank for over 15 years. On XX/XX/2019 XXXX received a snapchat from someone claiming to be from the Secure Checking Network center in XXXX, XX/XX/XXXX, offering money to be deposited into his account. A scam obviously to you and I, but NOT to XXXX which is why I set what I thought to be reasonable restrictions on the account. On XX/XX/XXXX a mobile 'deposit ' of {$1800.00} and on XX/XX/XXXX mobile 'deposit ' of {$3100.00} were made into XXXX 's account. Apparently BB & T gave full credit to these deposits without verification because on XXXX all that money and more made its way out of the account as out of state transactions. At the same time XXXX was using that ATM in XX/XX/XXXX for incidental purchases at XXXX XXXX XXXX and XXXX XXXX It seems the bank had several " last clear chances '' to detect this fraud ; noting that XXXX rarely had more than his part-time weekly paycheck of < {$270.00} in his account at any given time. It would seem their contributory negligence far out ways any errors made by XXXX. He has not shown any fiscal or proprietary gain from these transactions. Yet BB & T, rather than try to ascertain the details of the fraud, directed XXXX, and by association me the parent account holder to take out a loan to pay the bank back over {$3500.00} stolen from THEM, not us. Forfeiting XXXX 's account, likely less than {$30.00} at the time, is a given. But to hold us responsible for the amounts claimed on this fraud is onerous and downright unconscionable.
10/25/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • TX
  • 78665
Web
On or about XX/XX/XXXX I opened a credit card account with BB & T Bank. I began using my card and making timely payments. On or about XX/XX/XXXX I attempted to use my card and the charge was declined. I called BB & T and was told that they did not know why my card was declined and to try again. I attempted to use the card the next day, again declined. I called BB & T and was told that I needed to speak to someone in a specific department ( they would not tell me the name of the department ) and that the person was out and would call me back. I never received a call back. I proceeded to call BB & T several times seeking information over the next few days, finally I was told by someone that " we are closing your account, you will receive a letter in the mail. '' On or about XX/XX/XXXX I received a letter in the mail from BB & T stating they were closing my account and reason given was " no longer maintaining relationship with this customer. '' I had a balance with BB & T when this happened, of approximately {$1000.00}. I had autopay setup and the balance was subject to a promo rate of 0 % APR. I called and asked BB & T If I needed to pay the balance in full or if I could just let the autopay run its course. I was told that while I could not make any new charges, I would still have access to my online account and could let the autopay run or make additional payments. On XX/XX/XXXX, I noticed that on my XXXX credit file, the account has been listed as " charged off '' causing my credit score to tank. My last autopay on the account was on XX/XX/XXXX. I called BB & T to inquire what had happened, and was simply told " you should dispute it. ''
07/12/2016 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • NJ
  • 081XX
Web
I recently received a fee for an item that was paid XXXX/XXXX/16 from my Bank BB & T, even though I had and still have more then enough in my checking account to pay the check. The system in which BB & T executes their overdraft fees is very suspicious. The person at customer service at BB & T said I received the fee because on XX/XX/XXXX the check was sent for payment. Not only did I have enough in my account to pay the check, but I also had a cash direct deposit that morning and another XXXX/XXXX/16. Throughout the weekend I used my debit card watching to make sure the funds were still available and even made a deposit Saturday morning just in case. The banks methodology is that throughout my transactions that weekend, all of my " debits '' worked against me and I did not receive credit for my deposits reasoning their over draft fee but that seems very in genuine ; all while not being notified that a check is posting to my account. Instead it posts 3 days later along with an overdraft fee. First, if the bank wishes to apply the charge on XX/XX/XXXX rather then XX/XX/XXXX I feel that should have been reflected on my account that day and not XX/XX/XXXX, since, as stated my account could handle it. Hiding this information has no real substance other then keeping the consumer in the dark in order to have them slip up. Also, their " voodoo '' accounting of what counts for that day and what does not sounds very heavy handed in order to reach an outcome in which they profit. As their customers, we deserve some visibility to situations happening with our accounts, and deposits should carry as much weight as debits, even if they are " pending ''
02/13/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • GA
  • XXXXX
Web Older American
In XX/XX/XXXX I ordered Quickbooks Bill Pay for my XXXX business checking account, the fee was to be {$14.00} a month. 2 Months later I received an email from XXXX treasury dept that due to technical problems they were not able to activate the " Bill Pay '' service on my account. They advise me to report that to the vendor, in writing, which I did. The {$14.00} continued to be taken, but my Bank rep was writing a refund to me when I reported the taking. When the rep was no longer there, I took the matter to the Manager, who said the fee pull was being initiated by XXXX XXXX and she could do nothing about it. So I moved my account to BB & T Bank in XX/XX/XXXX. In late XX/XX/XXXX BB & T processed several ach payments to XXXX from my account. Both BB & T and XXXX had been noticed in writing 60 days in advance that our contract with XXXX was ending on XX/XX/XXXX. That this same date also fully ended XXXX permission to process ACH pulls, To assure enforcement of this, I also closed the Payroll account. As I have a time warning I will end. I next move my account to XXXX XXXX in XX/XX/XXXX. I then noticed that the {$14.00} pull was still happening. I researched it deeply and found records showing that this was for the " Bill Pay '' service ordered in XX/XX/XXXX. I had thus far had nearly {$1000.00} taken in this manner. I took the entire matter to XXXX XXXX. They said the best they could do was to return one of the {$14.00} takings, as this was not in their control. They are still taking {$14.00} a month for this " service : '' that was never provided, not for even a day! XXXX XXXX, customer three Banks : XXXX, then BB & T, presently XXXX XXXX
09/03/2015 Yes
  • Bank account or service
  • Other bank product/service
  • Problems caused by my funds being low
  • VA
  • 22031
Web
I have XXXX bank accounts with BB & T ; XXXX saving and XXXX regular or basic. My other services are BB & T checking card or ATM card, and online banking and Overdraft protection. Everything was functioning great since I opened my account in XXXX last year until one day in XXXX of this year, I was contacted in XXXX, to change my saving account type to a checking account type, based on the fact I have exceeded the withdrawals limits for a saving account per Federal regulations. I am not complaining about this fact, as it seems fair within the Federal Regulations. So, I went to the XXXX branch to resolve this matter, and was advised to change that savings account to a checking account, as not be bound by withdrawal limits. In fact, the Branch banker ( level XXXX ) said the transition will be seamless and nothing should change ( besides Yields, etc ). I signed all the new account creation paperwork and specifically asked questions on the Overdraft protection form. To my satisfaction, as to have my overdraft protected and fed from my new checking account, I signed the relative paper or form ( which I have a copy of ). Two weeks later, I started noticing that I am getting charged NSF charges for overdrafts, I thought I was protected against. To my suspicion, the bank emailed me on XXXX XXXX, almost 2 months after the account type switch/transfer. My complaint is that they have my signature on the alleged missing forrm/signature and that they refuse to reverse or pay me back the Non Sufficient Funds fee ( more than XXXX USD, but this number is not confirmed yet ) that I incurred because of a misplaced or allegedly missing signature or form.
05/03/2016 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • WV
  • 257XX
Web
On XXXX XXXX, 2016 i made a deposit of XXXX to my checking account. My posted balance was XXXX. As i continued from XXXX XXXX using my checking account my balance as of XXXX XXXX, 2016 was XXXX. On XXXX XXXX sometime around XXXX to XXXX i went to my local gas station to withdraw XXXX. I knew when i withdrew this money my checking account would be in the negative and i would be responsible for the overdraft fee, which would put my account around XXXX overdraft fee included. XXXX XXXX i looked at my account to see if the overdraft fee had been posted, my account was negative over XXXX. I was charged XXXX in over draft fees on transactions i was shown had already cleared ( earlier in the week ) I was charged another XXXX for transactions which were made prior to the XXXX atm withdraw and were shown to be cleared. On my bank statement it shows these transactions being withdrawn on XXXX XXXX and the atm on XXXX XXXX. I do not feel I am responsible for the overdraft fees ( especially when my account shows they were withdrawn ) when the purchases made prior to the atm withdraw were clearly covered do to the deposit on XXXX XXXX and these transactions were made prior to XXXX XXXX. I was also informed that BB & T does not do any transaction Thursday through Sunday which is false for i have proof of several transactions being deducted on Thursdays and Fridays. Ive tried contacting BB & T by walk in and by phone and no one will help me understand why i should be responsible for these fees. I am on a limited income and a single mother of XXXX children. This has financially drained me this month for i am unable to pay my bills due to these charges.
01/20/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AR
  • 72120
Web
I have previously written one of the collections departments and furnished a letter advising XXXX XXXX I am the victim of fraud on or around the date of XX/XX/XXXX. The dates of the even are not 100 percent seeing I was not there and had no knowledge of it for almost a year.The dealership did give me a copy of the loan application. On that documentation it is obvious that the same person signed all signature lines. The name is misspelled the same way on every line and is the same handwriting for all the signature lines.It is obvious that I did not sign this loan. I have sent a letter to XXXX XXXX with copy of my signature and a loan I obtained from the same dealership 3 months prior. Which is how they could have had access to some of my information or my ex husband furnished it seeing we were in the process of separating when this occurred. I have advised XXXX XXXX of this also. The fax transmission date to the finance company is XX/XX/XXXX. It was in XX/XX/XXXX that i pulled my credit and found a loan with XXXX XXXX XXXX. I called the company advised that I had no knowledge of this loan and was fraud. I advised that I would like documentation and information that they have or original loan package. Even with this being identity theft I am still privileged to that information. I have had no assistance from this company in obtaining any loan documents or any information they have used to make a decision to not remove the file from my credit or fund the loan. Since I have no documentation on this loan it is making it harder to fight and obtain counsel to assist with damages if it is not removed off of my credit after this final attempt.
12/05/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • FL
  • 32952
Web
We started in XX/XX/XXXX applying to BB & T for construction loan. With no debt and adequate income it took 4 months to get approved. The funds disbursement agent was only available by email. If I asked more than one question, only the most brief answers to one of the questions. Yet 3/4 of each email contained all the days she would be out of the office and if she was going to be there - the hours of that day she would be available ... When we were finished building in XXXX XXXX, the final draw was issued. Our file was supposedly closed and sent somewhere from the construction dept. Four months went by and I couldn't get a closing date scheduled. I called many times and got a big runaround. I was being charged each month for interest only, which grew significantly due to all funds being disbursed. Every month I was charged {$53.00} for flood insurance. This was to be put in escrow. Our portfolio is also with BB & T wealth department. I initiated a request to liquidate the portion necessary to pay off the loan. When the wealth department heard this, a closing happened in 2 days! My complaint now is that after paying flood insurance for 2 years, my flood insurance expired!! I was never informed about needing an elevation certificate, although we had one ( pre-final ). So I ordered that and had it sent to BB & T. The insurance agent said she forwarded the renewal and payment requirement 3 times! No payment has ever been made by the bank!! I paid it myself this morning and I will be sending an immediate request for refunding all the excess I've paid over the last 2 years! This has been a nightmare with BB & T since the first day.
01/15/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • MI
  • 49221
Web
I had a loan with Regional Acceptance for an auto. On XXXX I filed for bankruptcy. This account has been reported delinquent since XXXX. I have contacted the bank by phone and they directed me to put it in writing. I put my concerns in writing and heard nothing. I then did a follow up phone call and was told to put in writing again. Which I again have done. My account is being reported as a charge off when it was n't a charge off at all it was a bankruptcy. It is also being reported as follows : XXXX reports account opened XXXX/XXXX/XXXX. balance XXXX. Last updated XXXX/XXXX/XXXX. Last payment made XXXX/XXXX/XXXX and account closed XXXX/XXXX/XXXX. How can I make a payment in XXXX and the account close in XXXX? Also no report of late payment from XXXX to present. Regional acceptance reports to XXXX the following. Date opened XXXX/XXXX/XXXX. Last reported XXXX/XXXX/XXXX. Included in bankruptcy. First major delinquency report XXXX. Months reviewed XXXX. First delinquency XXXX. XXXX reports the following from Regional Acceptance. Date opened XXXX. Reported since XXXX. Date of status XXXX. 60 months XXXX payment. balance as of XXXX is XXXX. Shows payment history with 30 day late being XXXX. Regional acceptance is reporting whatever it wants to report and not verifying the information. I have disputed with credit bureaus who do not do thorough investigation and only update information provided by regional acceptance. I have also phoned and written Regional Acceptance and nothing is being resolved. They are also reporting as a charge off. So basically the account is over 7 years delinquent, included in bankruptcy and a charge off.
12/07/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • FL
  • 326XX
Web
XXXX XXXX is the company. My complaint is for Unfair Trade Practices. Their website provides incorrect contact information, two phone numbers both go to an automated teller. One states it is to contact a Customer Service Representative. The website shows incorrect available hours - the site shows XXXX to XXXX. Customer Support is available XXXX-XXXX but I only found this out after making three different calls. They contacted me in regards to a late payment on XX/XX/18 stating I needed to contact them to avoid delinquency. I called them as directed but the CSR did not mention I could pay by check over the phone or that I was required to make the payment that day. The CSR went into sales mode and starting discussing loan modification. I called a second time that same evening because I wanted to confirm if I was required to modify my loan or if it was optional. In both calls I communicated that I would make a payment on the XX/XX/XXXX and a 2nd payment on XX/XX/XXXX. The next day, XX/XX/18, they hit my credit score. If they had been upfront about what was going to occur I would have made the payment on XX/XX/18. Today I contacted them to discuss this and I was told that they were not credit counselors and were not required to provide that information. I was also told they don't take payments in advance. I made a payment today on-line ( XX/XX/XXXX ) and then made a second advanced payment for XX/XX/18 via a phone call. I received a confirmation number for the XX/XX/18 payment. Which is it, they take a payment in advance or they don't? Is there no honesty in banking any more. XXXX XXXX got away with being shady and now BB & T.
08/25/2017 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • PA
  • 18201
Web
I have an issue with BB & T bank with both my husband and I being charged 2 times for a {$35.00} overdraft fee. One on his checking account number and one on mine. On XX/XX/XXXX i transferred {$20.00} from my husbands account to mine. Before I made the transfer, I logged into our account to make sure that the funds were there and they were. A few hours later, I logged in again to see that we had these overdraft fees. When I called a few min later, there was an attomated message saying they were doing maintenance on their systems and both phone and website were not updated correctly. A few hours later, my husbands check was direct deposited into his account. I quickly transferred {$80.00} and called to dispute! The representative said she would put in a request for refund and she said she did see a problem. The representative also made me aware that I had a protection coverage on my account and previously, I was being charged. I was unaware of this and she stated it should 've never been in place. After calling around for several hours on the XX/XX/XXXX, I was hung up on twice and denied! I was told from a women in research department that she will keep dening my request and was unable to help. I had a manager tell me that there is nothing he could help with and feel free to seek legal advice. Another research rep told me not to go by phone or website and it 's my responsibility to to track my spending. I have worked in customer service in the past and have never not found a solution or talk to a customer this way. I honestly feel that something not right is going on here and getting different stories from different people.
09/06/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • NC
  • XXXXX
Web Older American
My wife and I needed a vehicle but due to our financial situation we had to get our loan through Regional Acceptance Corp based at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a subsidiary of BB & T banks. We paid the amount of the loan {$440.00} every month, but due to other financial situation we ended up having to declare bankruptcy. We decided to keep the vehicle as the asset we could retain, in lieu of the house, as per the bankruptcy proceedings. Our lawyer stated that we could delay payments on the vehicle, But I Repeat, we did not delay or defer any payments to XXXX XXXX prior to, during or after the bankruptcy proceedings. XXXX XXXX however locked us out of our account on the internet and informed us that we now had to send the payment to XXXX Bankruptcy Dept. XXXX XXXX XXXX XXXX XXXX XXXX which we did each and every month. We have not received a statement from XXXX XXXX XXXX for over 48 + months. We have sent to them along with our payment check our new address and our new phone numbers when we moved from XXXX to XXXX, but we still have n't received a statement. We inquired about this several times and still received no answer about this, we did receive a phone call from a person named " XXXX '' from their bankruptcy dept. that we could not refinace the vehicle loan but that our payment would not have any late fees attached if they received the payment at or before the XXXX of each month. Our loan was for six years and should have ended in either XX/XX/XXXX or XX/XX/2016. It is now XX/XX/XXXX, we have not received the title to the vehicle or a statement. Are we suppose to pay for this vehicle for eternity or what?
11/30/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem when making payments
  • Problem during payment process
  • LA
  • 70043
Web
I paid my XXXX account with auto pay and my final payment was XXXX. It did not clear my account. I noticed it when I was reconciling my checking account. I went on line and scheduled it again that day. I notified them and emailed them about the problem. I was told that they refunded the late fee and it was not reported to the Credit reporting agencies. I called them to question it and they said we do not offer goodwill reversals, they said just dispute it. I made may double payments and paid the account off before 42 month no interest terms. It was paid 28 months in full. I was only past due {$4.00} because of advanced payments made and I received no secondary notice or email notification that the draft scheduled on due date did not clear the account. I have never been late or reported to the Bureau. I would also not pay an account off in 28 months early and jeopardize my credit for XXXX bucks. I attached a copy of the email showing that when I contacted XXXX that autopay was still on and they canceled it as of XX/XX/XXXX. Yet they did not draft the final payment as they have done since I had the loan. This is out of my control if a companies system does not properly execute their auto-pay feature and draft my checking on the due date. I provided the document showing that on XX/XX/XXXX when I caught the error ( no payment drafted ), that they did have autopay still on the account and she canceled it on XX/XX/XXXX. Why was no final payment drafted on this loan? How is this My fault? I paid them every month by auto-pay and they need to review and reverse this 30 day over due payment report. It is there error, not mine.
01/09/2019 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32210
Web
I contacted XXXX XXXX XXXX while my car was being repossessed. The agent verified my address and told me to lookout for certified mail that would be sent. It's been over 6 months and I haven't received anything yet. While checking my report I noticed changes to the account. So I called them back to see what was going on and was told it's too late. So there are a several things wrong. There are multiple accounts on my record reporting the debt but with two different addresses. One address is regional acceptance corporation on XXXX XXXX XXXX, the other address shows as XXXX XXXX XXXX on XXXX XXXX XXXX . There is also the verbiage " Skip '' on my report meaning they couldn't locate me, even though my address is current on their website today, this is also the address that they repossessed the car from. Statement was also received at this address. The amount being reported on my credit report differs from that on the account. The account says I owe XXXX while my report states XXXX. I am unable to validate which amount is correct due to the failure of XXXX sending state required paperwork. This paper work includes the intent to sale and the deficiency ( post sale ). These items per the attorney general is to be sent certified. I was advise to request these documents, and if not sent, the repossession was illegal and to report my findings and provide the supplies documents back to their office. So I am requesting copies of the certified mail receipts, copies of the sale ( if you sold the vehicle, I dont know ), also the intent to sell. PLEASE UPLOAD ALL DOCUMENTS TO THIS WEBSITE, DO NOT CALL, EMAIL, OR MAIL ME ANYTHING.
03/26/2015 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • MD
  • XXXXX
Web Servicemember
I filed a complaint against the bank before and the problem still has not been rectified. By the time I spend money in legal fees it will certainly not be worth it for me to try and get answers. However, I do plan to file complaints with other agencies until I am vindicated of this awful trail of unjust events. Starting with the account was a joint account and there were charged that were unauthorized. I should not have to suffer because someone else has done something wrong. Reporting me to XXXX is unfair and especially since the bank has already gotten over in fees. A collection agency kept calling me on their behalf until I just gave in and paid. However, during the process my bank account for my XXXX year old daughter has been closed because BB & T decided to report me and not my husband to XXXX. I have NEVER EVER been in XXXX and this just is n't right. I now think it is a smart investment to hire someone on my behalf to fix this since they want to just play dirty with the whole thing. BB & T is the worse bank to ever have in life and I never thought I would have such a problem with them even reporting ect. However, let the record reflect that I have tried to contact several sources inside of BB & T to help but they are just not qualified to get the job done. There is no XXXX number you have to go in and do everything and unfortunately, I do not have that type of time or means. I am a mother and recently had a XXXX that does n't allow me to even drive. Either way this is a ongoing problem even after their unreasonable request for fees have been paid. I 've been lied to and now cheated out of money.
06/30/2018 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CA
  • 941XX
Web
I was searching for potential apartments to move into on XXXX when I came across a 1-bedroom apartment ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) for $ XXXX/month. During the afternoon of XX/XX/2018, I messaged the property manager, XXXX XXXX, through XXXX. At XXXX on XX/XX/XXXX, he sent me an email with more information about the apartment. I asked if I could view the apartment before filling out an application, but he said I could not view the apartment until the current tenant moved out on XX/XX/XXXX. He said for now I could secure the apartment by signing a Lease Agreement and wiring the first month rent ( {$2300.00} ) and security deposit ( {$1500.00} ) to the Landlord ( XXXX XXXX ). XXXX said when I do view the apartment and decide I do not want it, I will be fully refunded. I emailed him the completed Lease Agreement on XX/XX/XXXX, and the wired money went through to the Landlord 's BB & T account on XX/XX/XXXX. He agreed to show me the apartment on XX/XX/XXXX at XXXX. However, on the morning of XX/XX/XXXX, he emailed me saying he could not show me the apartment because his mother just XXXX XXXX with XXXX, and he won't be back until XX/XX/XXXX. Since I currently live in this apartment complex but in a different unit, I decided to go to XXXX XXXX XXXX to see if anyone lives there. At XXXX on XX/XX/XXXX, I knocked on the door of the apartment, and the couple living there answered. They said they are the residents of the apartment and are not planning to move out any time soon. At around XXXX on XX/XX/XXXX, I went to the XXXX XXXX Police Department to report this fraudulent incident.
12/23/2017 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • KY
  • 410XX
Web
I went into the branch on Tuesday XXXX/XXXX/XXXX at XXXX I went into the branch and spoke with XXXX XXXX at the XXXX XXXX branch. My account was negative {$540.00}. There were {$750.00} in over draft fees. The card should not have been authorized when it was declined. I did not opt into overdraft protection. Multiple transactions had gone through on the account over 30 items at {$36.00} per items. I had several account activity transactions summaries printed which showed that the debits were posted at midnight but the deposit posted at XXXX. I asked why the debits where posted prior to the deposit which would clearly cause me financial harm and financial harm to my employees he said the only person who could help me was the Assistant Vice President XXXX XXXX. He advised me to get a loan to help cover the fees, ask a friend or contact XXXX XXXX XXXX. He also suggested I apply for a line of credit with a guarantor. He proceeded to reverse one overdraft fee and again referred me to XXXX XXXX. I have called and left her several messages. She never calls me back, she is never there when I stop in. The account has been accruing {$18.00} per day while I try and contact the only person I was told can fix it. This is my business account attached to my EIN so I need to have this corrected. I was advised that I could not close or open one business account. I do n't understand why they will not help me. This is caused more financial hardship and the only advice I received was to get a loan which causes more financial distress. This all seems unethical. I am being avoided and eventually the account will charge off.
06/13/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • VA
  • 22043
Web
I have a mortgage with BB & T. When I first got my mortgage 4 years ago, I immediately discovered that BB & T does not apply interest correctly. We pay our mortgage in excess each month, spread out over 2 payments. BB & T uses a suspense account and does not apply our payment timely. This is a violation of Federal Law {$15.00} U.S.C. 1639f. It is also a violation of the mortgage agreement that I have with BB & T which only allows for the use of suspense accounts if the loan is not current. My loan has never not been current. 4 years ago I reached out to CFPB about this issue and BB & T promptly corrected the issue. At that time, BB & T admitted that their system was not capable of processing the payments correctly and that I just needed to call to have it done manually. I reached out in XX/XX/XXXX of this year and asked them to correct 4 years of payments. I also have found a discrepancy in terms of how BB & T accounts for the Escrow payments. The total balance of my Escrow account does not match the total on my annual escrow statement. 2 forms prepared by BB & T do not match each other. BB & T owes me somewhere in the neighborhood of {$5000.00} based on how the interest is applied. It's been 2 months and BB & T has not gotten back to be despite promising to do so. My contact at BB & T is XXXX XXXX, she is very nice. The person she passed my issue off to has not responded. I ALSO BELIEVE THAT THE CFPB SHOULD INVESTIGATE BB & T BECAUSE OF THESE ISSUES. IT'S VERY LIKELY THAT CONSUMERS ARE BEING TAKEN ADVANTAGE SINCE BB & T CAME OUT AND ADMITTED TO ME THAT THEIR SYSTEM DOES NOT COMPLY WITH FEDERAL LAW.
04/25/2018 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Deposits and withdrawals
  • VA
  • 20147
Web
I went to my BB & T bank located at XXXX XXXX XXXX XXXX XXXX, VA XXXX on XX/XX/18 at approx. XXXX ET to deposit a check from my home insurance company so I can begin work on my home after last months catastrophe. The check was in the amount of {$7700.00}. I went to the only teller available and was told that BB & T would not accept the check because on the back it was stamped with " Without Recourse XXXX XXXX XXXX XXXX By : Assistant Treasure signature. I explained the scenario to the teller that this check was originally sent from my insurance company to my mortgage company to make sure the funds would be used for the catastrophic repairs. I escalated the issue to the Branch Manager and he concurred with the teller that BB & T would not accept the check. I called XXXX, they were kind enough to educate me on the process of this sort of check and advised me that the language used on the rear of the check was standard legal language that is between XXXX ( the mortgage company ) and myself the homeowner. In addition, XXXX suggested that I contact BB & T once again and have the branch contact their compliance team. I called the XXXX BB & T at approximately XXXX ET number for assistance and the representative advised that this decision is decided at the branch level. I asked if she could at least call the branch and have the branch contact the compliance team so that we could settle this issue. The BB & T rep from the XXXX number reached out to the branch and the representatives at the branch once again stated that they will not honor the check and that their compliance team will support that decision.
10/02/2016 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • FL
  • 33062
Web Older American, Servicemember
We had a line of credit that expired. We were under the impression that the balance would be turned into a fixed loan since the bank would not renew the line of credit. we got the fixed loan after all. BBT wrote us a fixed loan to repay the line of credit. this is fine. we always made our payments on the line of credit above what was requested on our statement. we have our checking and savings account with them. our complaint is they approved the loan with a 7.24 per cent interest rate which we understand is about three points above prime. our line of credit was at XXXX per cent. we thought the 7.24 was high but the bank would not budge. the loan is for 180 months and with this rate it will be years of mostly interest before we get to much going on the principal. we signed somewhat under duress because if we had not signed we would have gotten locked out of the offer which would have caused us to go bankrupt which we do n't want to do because we have worked hard for years to keep our credit in great standing. this incident makes us feel like a great credit rating means very little to them. our condo is now having work done which required a large assessment which the bank knew and now this loan with the high interest has really hurt. we have no problem paying if because we owe it but thought the bank could help us out with a lower rate. can anything be done to help us? we are regular working people trying to get by. we have been good customers of BBT since they acquired XXXX a few years back. Thank you for any assistance you may provide. XXXX and XXXX XXXX BBT Branch office on XXXX in XXXX XXXX.
04/02/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • FL
  • 324XX
Web
I am writing to petition that the corporate advances be revised in accordance of state and federal law. BB & T wants {$8100.00} in attorney fees, whereas the law allows a maximum d {$3600.00}. The fees may not exceed " reasonable and customary '' fees and charges from the mortgagor after the mortgage is insured and as authorized by HUD. That fee is maximum {$3600.00}. I have attached all governing legal references and filed an invitation with the Federal Bureau of Consumer Protection. The corporate advances exceed federally and state approved " reasonable and customary '' fees and charges from the mortgagor after the mortgage is insured and as authorized by HUD. I have confirmed this with HUD, as well with the State and Federal Bureau of Consumer Protection ( Federal Trade Commission ). I have attached 24 CFR 203.552 Federal HUD law for FHA backed mortages which mine is ) ACCEPTABLE FEES AND CHARGES - GENERAL ( 24 CFR 203.552 ). HUD regulations specify that the mortgagee may collect " reasonable and customary '' fees and charges from the mortgagor after the mortgage is insured and as authorized by HUD. The Department considers the FNMA fee schedules to be reasonable and customary. BB & T and XXXX XXXX is violation of HUD regulations by attempting to collecting a fee ( regardless of when the fee is actually collected ) for : 1. a service which in not specifically authorized in Paragraph 4-1C ; or 2.a service not authorized in advance by one of the fee regulators above. 3.charging a fee that does not comply with the rule stated in Paragraph 4-1A. I will wait to hear from you, thank you.
12/17/2016 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • FL
  • 34668
Web
My complaint is how BB & T chose to pend and post items in my account. I had {$86.00} left of my Social Security check on XXXX XXXX, when my utility bill that I 'd paid by check was posted to my account. However, the check did not go through and the transaction was charged a {$36.00} overdraft fee. The check did n't go through because the bank was holding {$59.00} " pending '' in my account. It was not to be posted until an item shipped, like most online purchases. However, because BB & T " pended '' and virtually paid it by claiming that cash but not posting it, it would not pay the utility check, even though there was enough in the account to pay {$47.00} utility payment. Four days later, BB & T posted the {$59.00} and charged another overdraft fee. Then, because the account was in overdraft for 7 days ( days, not banking days ), starting XXXX XXXX with the utility bill posted ( when there was enough money to pay it ), I got another overdraft fee of {$36.00}. The bank wiggled around the money so that I paid XXXX {$36.00} overdraft fees, and then added on top a {$12.00} maintenance fee. That 's {$120.00} in fees when it should have been {$80.00} at the most. I 'm finding another bank. This same bank charged me an overdraft fee when I deposited a check to cover groceries only 8 minutes after they were purchased. I was stuck in traffic and it was easier to pull into the grocery store parking lot first. I spent something like {$100.00}. I drove across the street to the bank and deposited one of my XXXX checks that more than covered it. However, when I got the statement, the overdraft was there.
01/22/2019 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Fee problem
  • VA
  • 24018
Web
I have been a member of BB & T since XXXX. Back in XXXX I switched my account so I would not have to pay any fees. My interpretation of what was told to me is if I had over four hundered dollars in my savings and kept over 1,500 hundered in my checking my accounts would not be charged. If you look in my checking account, I always had more than that and had my direct deposits sent in there as well. As for my savings, I never touched it. I thought my saving would be getting interest. Isn't that what a savings account is supposed to do? This past XXXX in my statement I saw that my savings was at a zero. Come to find out BB & T has been charging my account a maintanence fee as well as a inactive fee, eventhough my paychecks have been going into my checking account and I have been having automatic drafts out of my account and writing checks to vendors. When I confronted my branch about it, I was told that it was my responsibility to keep up with my account. They said they will look into though and try to get my funds back ; however, after two weeks the branch manager called me and told me that he did everything possible but the bank will not refund me my funds and said sorry. I then contacted BB & T hotline and after talking with the customer service rep that they could refund up to XXXX of the funds. I can't remember if the rep said I would get more of my funds back or not. But I was told that it was my responsibility to keep up with my account. This was a savings account. I did not expect to be charged XXXX a month for fees and have it depleted. I had that as a reserve in case of an emergency.
08/29/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MD
  • 206XX
Web
On XX/XX/2018, I made an online payment for my mortgage from my checking account ending in XXXX. XX/XX/XXXX - The payment posted. XX/XX/XXXX - Received an email stated that an overdraft item fee was applied to a different checking account ( ending XXXX ). XX/XX/XXXX - Called BB & T, and customer service indicated that there was an automatic draft setup for the mortgage, but since I made a manual payment on XX/XX/XXXX the account was current. As a courtesy the overdraft fee of {$36.00} was refunded. Additionally, the representative assured me that she would remove all automatic payments ( because I wasn't aware of it/never used it since being a customer ) and would add a note on the account that the customer does not want any automatic drafts and that I would not incur any further issues related to this matter. XX/XX/XXXX - Another email was received that my account ending XXXX incurred a return item fee of {$36.00}, for another mortgage payment! XX/XX/XXXX - Called BBT after returning from vacation and was told that it was not a bank error after being passed from multiple representatives. The account shows that the mortgage was current as of XX/XX/XXXX, but BB & T stated that they could not do anything to stop their system from processing another payment!!!! So ultimately, I was charge 2 return item fees because of their faulty system. I was told that I am responsible ; that they could not assist me any further and will need to file a complaint. I am so frustrated because I could not get anyone to explain why I can't stop BBT from retrying a payment on an account that is not past due.
12/07/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 756XX
Web
I first Disputed an item with XXXX XXXX in XXXX, I later sent another letter in the month of XXXX on the XXXX and the company received the dispute on the XXXX. The dispute in this letter stated to the company that they had broken the law because according to FDCPA 807 ( 8 ). The law states that the agency is required to contact the credit bureaus and make sure to add a sentence to my credit report within 30 days that says I have disputed the item. This law was broken, which should cause for immediate grounds of this item being removed from my credit report. I also received a letter from the company that was dated for XXXX XXXX, XXXX the exact day that the company received my dispute. In this letter from this company the company stated quote on quote " Thank you for your letter dated XXXX XXXX XXXX. In regards to your XXXX XXXX credit reporting of " In dispute '', the account is marked as such in our system of record as of XXXX XXXX, XXXX when your first letter of dispute was recorded. Due to the ECOA status of Terminated under the petition XXXX bankruptcy of your co-maker, the compliance condition code was in need of a manual addition. Therefore we have submitted an update to the credit bureaus to alert them of your XXXX trade-line being in dispute. As you can see the company stated that I had first disputed the item in XXXX, I later disputed again with the company in XXXX which was well over 30 days, so this federal law had already been broken. Later when I updated my credit reports I could then see that the company had went into the system and added the disclosure well after the 30 days
01/22/2018 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • CT
  • 065XX
Web
XX/XX/XXXX I opened a " Business Value 200 Checking '' account at BB & T online website. Deposited {$250.00} initial deposit via debit card during opening process. I set up online banking, was able to log in to see account. XX/XX/XXXX I realized I can not log into Online Banking due to " account locked. '' I tried to reset my password, system told me to call in to BB & T Online Banking help XX/XX/XXXX I called Online Banking help, was told that account was locked and closed due to " risk management assessment. '' I was also told that I need to go into a branch with identity/address proof to unlock the account. I said I do not want to deal with this anymore, I want to close my account and retrieve my {$250.00}. Was told to call New Account department on Monday when they open. XX/XX/XXXX I called New Account department, was told the same thing as before : account is locked and can not be reopened until I go to a branch to reactivate by providing proof of business and address. I told them 1 ) I can not go to a branch given my work/travel schedule and their operating hours, 2 ) I do n't want to use this bank anymore so I just want to close out the account and retrieve my {$250.00}. Rep ( XXXX ) tells me this is the bank 's process that must be done, there is nothing else offered. I ask if I can fax or mail them proof instead, since I can not make it to a branch ; she says no. I ask XXXX if there is a policy written anywhere that I agreed to that this is the process that must be followed for reactivation, she says no. She reiterates there is no other recourse before I can get my funds back.
05/26/2018 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • FL
  • 33040
Web Servicemember
This has been an ongoing problem and I have called on 2 separate occasions to complain. I have 2 accounts ( checking ) one has an overdraft line of credit and when I transfer money into it the online program has it immediately removed from checking account and when I look at the line of credit it has what I transfer under Available Balance however if some ACH payment occurs or I use my debit card I get charged for an overdraft fee and am told it wasn't credited yet-. The online banking should then not have it under Available balance its deceptive and has happened when I transfer from the account which has the overdraft protection to the overdraft how is that possible - it means the money is in neither account but in limbo and they charge me as if it wasn't there while it's processing??? The same bank charged me XXXX to check balance- at another bank machine which I would be ok with but to charge an overdraft fee for the XXXX $ seems to me to be criminal. I hadn't followed up with them since the last two times I was wasting my breath- I even sent screen shots showing the available balance line. I get passed from the brank division to the credit card division ( my line is XXXX + XXXX credit card. ) I was financially devastated by recent hurricane so now its a big issue. I have no idea how many times it has happened because I am a small business and constantly over drawn - which is not to say I think that's good or ok either but my husband became XXXX and so we are constantly scrimping and I often am not paid for XXXX - 60 days after completing a job so it happens. Branch Banking and Trust
01/21/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • SC
  • 29681
Web
For the past 3 years, XXXX XXXX has been sending paper checks to BB & T for my auto loan. This past XXXX, XXXX XXXX sent them a check for {$470.00} on XXXX/XXXX/XXXX with an XXXX of XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I receive a notice that I 'm overdue on my XXXX payment and I also owe a late fee of {$16.00}. So, I pay the amount for XXXX XXXX and XXXX XXXX for a total of {$820.00}. However, I find out with the help of XXXX XXXX that BB & T had contacted them yesterday to let them know that they had received the check for {$470.00} from XXXX. The XXXX XXXX rep even verified that it was the correct check number. So in essence, the money had gotten to XXXX & XXXX When the XXXX XXXX rep asked if I would be getting a refund for the late fee of {$16.00}, since the lateness was not really caused on mine or XXXX XXXX 's part, the BB & T representative said no. Based on the information that I was given, the fault was clearly with BB & T, who refuse to give me my refund. The .same refund that have the shoe had been on the other foot, they would 've charged me interest for years to come had I not paid that off. Their claim is that the address the check was sent to was an invalid address. I find it hard to believe that after sending payments to that address since XXXX/XXXX/XXXX, that suddenly it becomes an invalid address without anyone informing of that fact until now. The BB & T service rep even told the XXXX XXXX rep and myself that the checks that come in through the branch are forwarded to whatever loan finance department they have, which I 've learned only a week ago is located in XXXX, NC.
09/18/2017 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • NC
  • 27870
Web
In late XX/XX/XXXX 2014 I had an incident where someone used my account for fraudulent purposes. A fake check was deposited into an account that I was a joint owner and withdrawn using a fake credit card at a local ATM. I immediately reported this incident on the day that it occurred to the local sheriff 's office. The sheriff 's office directed me to the city police since the incident occurred within the city limits. The matter was investigated and camera footage from the ATM and the bank was obtained. Those involved in this incident were not able to be found. A representative for BB & T by the name of XXXX contacted me and threatened to file charges against me! I was forced to pay BB & T the money even though I had nothing to do with the incident and filed the police report. I was the victim of fraud however the money was debited from my account and I had to pay the remainder of what was stolen from me by using my credit card. This was done with the assistance of XXXX XXXX at my local branch. XXXX made multiple phone calls to me and was very aggressive and abusive in her conversations to me. After paying all of what I was ordered to pay to the bank ( including insufficient funds fees due to an overdrawn account ) my accounts with BB & T were closed and my name has been flagged in their system as a customer who is never able to do any business with them again. This practice is not fair to me nor does it seem legal. Section 1036 ( a ) ( 1 ) ( B ) of the CFPA prohibits unfair, deceptive, or abusive acts or practices. 12 U.S.C. 5536 ( a ) ( 1 ) ( B ). These actions violate this statute.
10/28/2015 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • KY
  • 423XX
Web
My husband and I both have direct deposit of our paychecks to our checking account. We are very strict on our spending and record keeping. So when we use our debit cards or write a check, we know how much is in our account from not only the check registry, but our online banking. Except in the last 6 months we have ended up with over {$2000.00} in overdraft fees. When I inquire about it at the bank, I am told the reason is that when we use our cards, it puts a hold on that amount of the money in our account. Then when it clears, if there is not enough to cover it, because of the pending amount they are holding, we ars charged an overdraft fee. How is this possible if the money has already been set aside for this item that was pending? Example : my husband 's paycheck was {$500.00}, and we spent {$350.00} out of that using our cards. We should still have {$150.00} left in the account. Except our bank says we are over drawn because they put a hold on that {$350.00}, so therefore when those pending items clear there is no longer {$350.00} in the account to cover those pending items. How is this possible if they have already put that money on hold? This happens frequently anymore and it has cost us quite a bit of extra money in late fees, because we end up having to hold off on bills because our paychecks are gone as soon as they hit the bank account, just pay off the overdraft fees. Please help us, as we are drowning now in financial debt because of this bank. And are unable to switch to another one, because they show up on any chex check that is done, in order to open another account.
08/28/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • TN
  • 37042
Web Servicemember
I had an autoloan with BB & T Bank that was part of a Chapter XXXX Bankruptcy. I filed for protection in XX/XX/XXXX Case # XXXX this was dismissed prior to the confirmation due to a clerical error but payments were still being made to the trustee. This Case # XXXX followed and again due to clerical error was dismissed prior to confirmation but payments were still being made to the trustee. Case # XXXX replaced the previous cases and was dismisses AFTER CONFIRMATION in XX/XX/XXXX due to loss of employment. At issue is the reporting by BB & T stating that I was past due while in the chapter XXXX and that payment was not received. Payments were sent by the XXXX Chapter XXXX Trustee to BB & T while the case was EVOLVING from the INITIAL CASE FILING # XXXX. I have sent a formal letter to BB & T in XX/XX/XXXX with no response and filed an online dispute through XXXX. The online dispute response stated that BB & T has changed the report showing that the account was paid but still shows XXXX missed payments from XX/XX/XXXX ( initial filing ) until XX/XX/XXXX ( case dismissed ). The Trustees office shows that payments were made and received by BB & T starting in XX/XX/XXXX. When I had voluntarily dismissed my case in XX/XX/XXXX, I paid BB & T the final payoff for the XXXX XXXX and received the title upon payment. I wish to have the late payments adjusted accordingly and fairly. I retired from the XXXX and have XXXX that prevent me from employment. I incurred these debts and have been working towards repaying XXXX my debts back to the Creditors. All I ask is that I be treated accordingly.
10/27/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • FL
  • 33025
Web
Hello I have been trying to work with BBT on a loss mitigation package for assistance. However, it seems that they are intentionally failing to log in received documents and failing to follow through with return phone calls. For example they called and asked for profit/loss statement, then asked for it to be for the 3 months prior which would be XXXX, XXXX XXXX 2016, then asked for it to be individually stated. Each time I give them what they asked for and it was never acceptable. Then the next step it was n't received. Every time you speak to someone its a different request. Then they stated they were missing information on the bar assistance, why not tell me that in the beginning. Then you send it what they asked for then its missing this column. Ok, now back to missing the profit loss. I think they game me the run around to get the foreclosure in. I fax and email them the requested documents each time and when you call to verify it takes time, You call back after a few days, oh we apologies we do n't see it. I also asked for supervisor to call me no return call! But then they see in the system where the request was made but do not know what happened. I called today to find out that it was denied. I received a foreclosure letter with 20days to respond on XXXX XXXX. i mailed in the response today, I tried to make a payment in the amount of {$15000.00} to the bank and could not. I was on medical leave, XXXX. I had to start a business this summer if not I would have been homeless and on the street. I need help to save my home and to receive and ethical professional service from BBT.
09/22/2016 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • PA
  • 17315
Web
Earlier this year I closed my account with BB & T. A few days ago I received an email stating " Your online banking security questions have been updated. This is a result of an annual update or a request you or an authorized user submitted in My Profile. If you did not make this change, please contact us. '' Shortly after I received a followup email stating " Please know this message was sent to you in error. Your security questions are secure and no further action is needed on your part. We apologize for the inconvenience. '' I called the number in the 2nd email ( XXXX ) and after numerous tries was able to talk to a real person. Since I closed my account I asked they remove my email address. The request was forwarded to IT and I received a confirmation that my email address had been removed from my online account. But I should no longer have an online account! I spent close to an hour going through their phone menu system at ( XXXX ) and ( XXXX ) only to reach a message " The information requested can not be provided by BBT online phone XXXX '' the call then disconnects. I called my local branch office and the representative there told me they do not have access to online accounts and were unable to even verify if I did or did n't have an online account. So here I am, unable to talk to anyone to determine if there is still a bank account in my name floating around their system. With the recent XXXX XXXX issue, is this a case of an account opened in my name without my approval? Oh, and the only way to contact them online is to log into my online account and send a message.
08/21/2016 Yes
  • Bank account or service
  • Other bank product/service
  • Deposits and withdrawals
  • GA
  • 30076
Web
My father passed away on XXXX/XXXX/2016 and I 'm the sole beneficiary of his estate, according to his will. He had number of contracts business in XXXX, Virginia with XXXX, ( XXXX XXXX XXXX. XXXX XXXX XXXX ) that were registered with State Corporation Commission ( SCC ) in XXXX, Virginia. He had filed his taxes for the registered business for the last 10+ years as a sole proprietor. For the said businesses he had opened bank accounts with one of his employee as a signatory. Upon his passing, with the help of the bank manager, his employee removed his name from the business accounts and declear them as hers by presenting false documentations, if any. I and the Executor of the will have tried over the last 6+ months to get the bank to cooperate with us and grant us access to the account so we can pay his final expenses and his taxes etc,. We have provided the bank with all necessary legal documentation needed to honor the request, but in vain. The bank continue to give the employee ( XXXX XXXX ) access and honor deposits and withrawl under a forged signature. The employee who claim this to be her business or account, She has never registered this business in XXXX county or with the State of Virginia or has paid / filed business taxes for this business. She has lied to the SCC and has produced false documentation, her being a survived spouse. I ask you to help me get access to what is mine by law. Below are the info about the bank and accounts. BB & T XXXX XXXX Account XXXX XXXX XXXX XXXX ( Deceased ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX. Thanks
06/11/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 333XX
Web
On XX/XX/2017 I went to BB & T bank to open a new checking account. I asked numerous times throughout the process while opening an account they did a HARD credit inquiry. I was told over and over that they do not perform a HARD inquiry and to stay rest assured if one did show up I could come back and have it removed. I ended up opening the checking account. A month later, I checked my credit report and sure enough on XXXX it says HARD INQUIRY " Bb & t Inquiry from XX/XX/2017 ''. I went back to the Manager of this bank and he said it should not have happened and they would investigate and someone would call me back. I did receive a phone call back from one of their departments and they told me there is nothing I can do about it. I never signed anything for them to do a hard inquiry and was lied to. This is a deceptive business practice. I would have never opened an account with BB & T if I knew there was a hard inquiry. They knew this as i made it very clear by asking multiple times if I would get a hard hit on my credit report. And I was lied to. I want this unauthorized inquiry removed from my credit report. I also would like to see BB & T issue a training memo to anyone employee that can open a checking account that requires them to inform customers that a hard credit inquiry will happen if this type of account is opened. And a disclosure form should be given to the customer explaining what this means. My ultimate goal is for BB & T to admit they were wrong and I was lied to. Take responsibility and remove my hard credit inquiry from my Credit reports.
12/10/2018 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Didn't receive terms that were advertised
  • MD
  • 21044
Web
Complaint - To help us get the investigation process started, provide a brief description of the complaint including dates and the names of those you dealt with. Do NOT include any personal information such as account numbers or Social Security numbers. Title : Account Opening Bonus ( {$300.00} ). I received a flyer from BB & T to open a new bank account, per flyer I would be eligible for {$300.00} account opening bonus if I will keep {$5000.00} in my account with 30 days of account opening. I went to the BB & T XXXX branch with the flyer and opened an account on XX/XX/18. Per flyer language " Use promo code " XXXX '' when opening your account to get {$300.00} - offer ends XX/XX/2018 '' I asked banker to ensure that I get account bonus since I made deposit of {$5000.00} in my bank on XX/XX/18. I waited until XXXX end to receive {$300.00} bonus since I fulfilled all the conditions. I called BB & T customer care three times to know whereabout {$300.00} bonus but they had no idea and they told me to check with the bank directly. I visited branch on XX/XX/2018 and explained the situation to business banker " XXXX XXXX '' he promised to look into the matter and resolve it by XX/XX/2018. After XXXX I made three follow-up calls to him but I did not receive any response. I am very unsatisfied with poor customer service and lack of accountability demonstrated by BB & T. I have original flyer clearly indicating that welcome bonus will be deposited within 90 days if {$5000.00} is maintained as average daily balance. Please help me to get resolution and promised bonus.
12/08/2015 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • FL
  • 324XX
Web
My business partner and I opened a DUAL SIGNATURE account, at BB & T, which required both signatures for any transactions. She and I, each, put $ XXXX the account and were adamant with the Bank Officer that we had to sign jointly and we signed a card to be filed with BB & T. On XXXX XXXX, 2015 an investor, ( He was a friend of my partner. ) came on board and loaned us {$25.00}, XXXX payable in 6 months with 5 % interest. All XXXX ( XXXX ) of us signed a Promissory Note at the bank with the same bank officer as a witness and notary. We wrote a check for a deposit for $ XXXX a lease for a building on the beach. Monday, XXXX XXXX, 2015, the banker called me and informed me, my partner had withdrawn all the money andCLOSED the account, but they were depositing my initial {$4000.00}. back into an existing account I had already with BB & T. When I questioned the banker about how my partner was able to withdraw without XXXX signatures, she informed me that as a partner she ( my Partner ) could manuever money as she saw fit since she was a signer on the account. I contacted BB & T corporate and they referred me to a clause stating that if was unclear, they could allow XXXX signature to conduct transactions if they are unclear that XXXX signatures were required. The same Bank Officer is the one who opened the account, witnessed the promissory note signatures, and closed the account. I do NOT see how any of this can be misunderstood nor unclear. Now I have a {$12000.00} check floating around out there with my signature, ( and my Partners ), on a closed account. HELP!
01/22/2020 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • VA
  • 23803
Web Servicemember
I went to the website XXXX and contacted the person on the website to about purchasing a kitten. They emailed me from XXXX and said the kitten was XXXX and XXXX for shipping. I had many conversations with the person. They showed me pictures, videos, etc. I have purchased animals online before so I had no clue this was a scam. I paid thru XXXX {$1000.00} on XXXX. The cat was going to be shipped to me by plane on Friday XXXX. The seller sent me the plane information, told me the cat passed the wellness check to fly then told me I needed to rent or by a special cage. XXXX to buy or XXXX to Rent. Send her the money and she will take care of it. when I get the cat it will be refunded to me 100.00 % at the airport. I called XXXX XXXX and they told me that was a scam. They said do not do it. So I told the seller I could not afford than and would like a refund for the animal. They said they would do it the following morning. Since then I have not heard anything from the seller. The website is XXXX email address they used with XXXX is XXXXXXXX XXXX XXXX and phone number on the website is XXXX they gave me the address of XXXX XXXX XXXX XXXX XXXX CA XXXX. I have reported this to my bank. They are in the process is investigating and working with the other bank to get my money returned to me. I just wanted to buy a kitten and they not only stole my money but I am not getting the kitten that I fell in love with from videos and pictures. People like this make me sick to my stomach. If we could find them I have no issue pressing charges against them. XXXX Reference code XXXX
10/28/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • AL
  • 364XX
Web Older American, Servicemember
I have attempted for over a year to get BB & T Mortgage to correct the reporting error on all three credit reporting agencies. My wife suffered a sudden mental breakdown on XXXX XXXX, XXXX, and created a financial burden on us as we are on Social Security, or fixed income. Now she has XXXX XXXX XXXX and needs to be admitted to a skilled XXXX facility and the negative reporting severely hurts my credit score needed for admittance to the XXXX XXXX. I am desperate for help. At the time of my wife 's mental breakdown my son spoke with our local BB & T who granted an extension for XXXX XXXX, provided I pay an additional {$100.00}, per month for 9 months, which I did. I was courtesy called and reminded me and that I was on schedule. I am obsessed with paying my bills on time. An agent I spoke with months ago agreed and said they would notify the Credit Reporting agencies to remove negative late payments. The only one that deleted their negative was XXXX XXXX XXXX XXXX will not remove theirs based on XXXX XXXX correct information. I have called numerous times and written BB & T several times and was rudely spoke down too. They claim it is up to Credit Reporting agencies to correct and remove negatives. Our local BB & T manager tried to help but she said that the Mortgage Division would not remove even her request. I have a perfect payment payment record with them. I do not deserve the type of harassment that BB & T has leveled on me, especially with the condition my wife is in and us being elderly. The periods are XXXX thru XXXX XXXX. Your help will be appreciated.
01/20/2020 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • VA
  • XXXXX
Web
We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT XXXX XXXX XXXXXXXX County, VA diverted $ XXXX {$20000.00} of real estate taxes paid by consumer XXXX XXXX XXXX , property owner of XXXX XXXX XXXX XXXX , VA XXXX to other individuals and specifically identified individuals that was given the same account number and address as XXXX XXXX XXXX in public tax records. These funds were paid to XXXX XXXX XXXX by XXXX XXXX XXXX as part of her monthly mortgage payment and XXXX XXXX sent the funds to XXXX XXXX XXXX County, VA treasurer or Commissioner of Revenue annually. XXXX XXXX XXXX property owner paid county taxes to XXXX XXXX XXXX County, VA through XXXX and learned that XXXX & XXXX County, VA banking institution is XXXX XXXX XXXX XXXX , BB & T ( recent merger with XXXX ), XXXX XXXX XXXX and any banks of merger with this financial institutions. Currently, XXXX XXXX XXXX County, VA has erased the evidence from their current system. However, attached documents will show the use of the same account number and address of XXXX XXXX XXXX to divert funds she paid towards real estate taxes and evidence of a mortgage on an existing property in XXXX XXXX XXXXXXXX County, VA. Both are a violation of the Fair Credit Reporting Act ( FCRA ).
07/12/2017 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • TX
  • 75231
Web
Hello Consumer Financial Protection Bureau, My name is XXXX XXXX XXXX XXXX and I am submitting a complaint on Branch Bank & Trust Financial institution. ( BB & T ) I began banking with BB & T after being transfered from an employee XXXX account during their BIG transfer. The situation began while I was working at a XXXX XXXX making about {$25.00} a night and began depositing my fund at the local atm by the XXXX XXXX. There were reports of people getting mugged and robvbed and even stabbed after work and I did not want to be one of them, so I began to deposit every last dollar I made.

Before tips I made {$25.00} a night. I would buy a {$5.00} bus pass, {$10.00} phone card when applicable, {$3.00} breakfast at XXXX XXXX on a Bisquit and gravy. ( MMMMMM ) That was my routine.

I did not want the Overdraft protection program and only wanted to spend what I had and stay away from overdraft fees due to my current job. I did not have direct deposit. This is why I DID NOT WANT THE OVERDRAFT PROTECTION AT BB & T BECAUSE THEY WILL HONOR THE TRANSACTION AND I WILL HAVE TO PAY IT BACK AND THAT WAS OUT OF MY BUDGET.

Also, I later joined the BB & T at work prgram @ My new Employer XXXX. We, my training class of about 20, were promised an incentive of {$100.00} after 3 months of banking with the company. We have not recieved that!. Our personal banker, XXXX, promised us this on serveral instances. They have not since then honored their incentive program that they promised to serveral empoyees at XXXX.

Please help us!

With kindest regards, XXXX XXXX XXXX

05/26/2015 Yes
  • Consumer Loan
  • Personal line of credit
  • Account terms and changes
  • FL
  • 32765
Web
I have had a long standing, perfect pay history, line of credit with XXXX. It is important to maintain a good credit score and I monitor mine. XXXX pulled out of Texas and sold all branches to BB & T. As a result, my 8 year, perfect standing, on-time payments, very low balance, line of credit with XXXX was closed and moved to BB & T. The problem is that BB & T now shows a new line of credit. The CFPB should dictate that when banks move accounts between each other, the acquiring bank must use the original open date of the credit / loan. The time the loan is open, on-time payments, and low percentage outstanding all contribute to a higher credit score. With NO action on the consumer 's part, my credit score went down by over XXXX points month-over-month because the several positives with XXXX, became slight negatives with BB & T ( new credit, new credit inquiry, no payment history ). No other changes occurred on my credit reports ( except slightly lower balances on month-end cycles on XXXX credit cards as compared to previous month - which should have resulted in an increased credit score ). In my case, my excellent credit rating went down to good but many other consumers would have been more detrimentally impacted. This is an opportunity for the CFPB to make the banks change their account conversion / account acquisition practices, and methods to not negatively impact the consumer. Of course the consumer credit score effects the rating and interest rate on new credit, extension of credit, etc. This complaint should be directed against both XXXX and BB & T.
09/07/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MD
  • 20874
Web Older American
Eighteen years ago, in XX/XX/XXXX, my then-husband and I opened a line of credit with BB & T bank in XXXX, MD. We owned a business and the line of credit was for business use. Although the business was sold a year or so later, apparently the line of credit was never closed ( it had a zero balance ). My husband and I divorced ; the divorce was final in XX/XX/XXXX One of my primary reasons for seeking divorce was his overspending, which brought us close to bankruptcy and caused our house to go into foreclosure. I thought divorce would finally release me from being financially tied to him. But no. Last month I was notified by XXXX XXXX that my credit score had dropped due to increased debt. I checked my account and saw a debt of {$1900.00} at BB & T. I immediately filed an online dispute and was notified that it was a valid debt, but it is not mine. It is my ex-husband 's. In XX/XX/XXXXorXX/XX/XXXX, he went to BB & T ( still his bank ) to open a personal line of credit. They informed him that he still had one. Neither they nor he thought to verify the owners of that account. So this new debt of his was posted to my credit report. I do n't know if this qualifies as fraud, but it certainly is negligence. And it has negatively impacted my credit, which I have been working for the past three years to repair. I want my name taken off this account and my credit restored. My husband currently lives in XXXX, PA and has been unsuccessful in getting this problem fixed. The bank manager there, XXXX XXXX or XXXX says there is nothing they can do. How can this be right?
06/06/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30252
Web
Contacted a representative about the account in my dispute for inaccurate residency information resulting in me not receiving the information on file. She stated the address for contact information was the address listed on my rental agreement I attached not the XXXX XXXX XXXX address. I let her know that I wanted to know information regarding the debt but she informed me it had been paid, reflecting a XXXX balance since XX/XX/XXXX, yet Regional Acceptance has been reporting fail to pay for those 3 almost 4 years when they weren't reporting the information accurately as charge-off. RAC is reporting a balance still owed to them for {$8400.00}, but it was written off or sold. RAC is being vindictive and trying to report FTP to try to get me to settle on a debt that I did not legally get information on regarding a " Notice of our Plan to Sell Property '' or " Deficiency '' when the contact information they had was the correct address I had moved to. It was confirmed today XX/XX/XXXX via phone XXXX, that Regional Acceptance has a XXXX balance listed on my account XXXX, with a final payment after the one XX/XX/XXXX for {$13000.00}. They do have the right to report a {$0.00} balance but can not continue to report fail to pay for something there's no balance on. RAC still had not provided me with the information about the point of sale therefore I'm still looking for resolution for the account to be removed since they violated my right to receive notice. They must immediately report the {$0.00} balance until then due to inaccurate information being reported.
07/08/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CO
  • 80127
Web
I closed a personal checking account with BB & T in XX/XX/XXXX, and received a letter confirming the account was closed. That was the last communication I had with BB & T, until I received a letter in XX/XX/XXXX stating my CLOSED account was past due, and to remit the amount due. The letter also stated that this negative status had already been reported to XXXX. I telephoned BB & T, and an associate looked over my account status. - She saw that the account was closed XX/XX/XXXX. - She then noticed a monthly maintenance fee was charged to the ( Closed ) account in XX/XX/XXXX. - Further, the overdraft protection feature of the ( Closed ) account paid the incorrect maintenance fee. - In subsequent months, the overdraft protection amount was unable to be drawn down to XXXX, since there was no money in the ( Closed ) account. - Finally she noted in XX/XX/XXXX that the matter was turned over to the Bank Collections Department. Between the letter confirming my account was closed in XX/XX/XXXX, and the letter in XX/XX/XXXX stating the overdue matter had been reported to XXXX, I had received XXXX communications from BB & T. As a result of my contacting BB & T in XX/XX/XXXX, they closed my ( Closed ) account, and dismissed the incorrect maintenance fee and overdue fee. However, I now need BB & T to remove the negative credit activity from my credit report. I submitted a dispute via XXXX, and BB & T simply reported that the account is closed. I need BB & T to correct its mistake which it compounded in so many ways, and repair my credit report.
01/01/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • UT
  • 84780
Web Servicemember
I purchased a vehicle in XXXX of XXXX for the amount of what I thought was XXXX. As time went on I noticed that even with consistent payments my vehicle cost remained high. I tried refinancing through the company and getting a better interest rate. The company, Regional Acceptance flat out refused to work with me. I found someone to purchase the vehicle on a later date and was told they could not take over the loan. I then tried again to get my interest rate lowered. They refused. Ive looked into re-financing but because the loan terms are so high there is no way to fix the situation without getting into another bad loan. Ive tried to make principal only payments and was told that is also not an option. It would s now XXXX and I still owe {$11000.00}. When I make payments almost {$200.00} is applied to interest and then the rest goes to the principal. I will never have this XXXX car paid off applying most of the payments to interest instead of principal and they wont allow principal only payments in order to bring the interest down. How can this be okay. If there is a lawsuit filed I want my name on it. When I got the car I had just finished a bankruptcy and I am working diligently at maintaining a positive financial history. After 2 yrs of on time payments they should be willing to work with me. The payments are high and I am having a hard time maintaining the high payment. Especially with the rise in housing costs. Right now my son and I are XXXX because the high auto payment is hindering my ability to pay for an apartment as well as feed my kid.
10/12/2016 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • NY
  • 100XX
Web
On XXXX XXXX, I attempted to co-sign a loan online for a relative so he could purchase a piece of commercial equipment for his business through Sheffield Finance, the financial company affiliated with the dealership in Arizona. We received a denial and a list of reasons that 'could ' have contributed to the denial. The loan representative informed my brother that the company 'policy ' was not to accept co-signers from out-of-state and that we should try a bank, that the interest rate on the loan would be better anyway. On XXXX XXXX, we attempted to submit a loan, again with myself as co-signer, through his bank, XXXX XXXX. We both received similar letters informing us of the denial and what reason 'could ' be included. It was then that I learned that out-of-state co-signers may not be allowed under Arizona law. My first question is : if out-of-state co-signers are not allowed in Arizona, why is this not stated in some form on the websites? Why do the algorithms allow the applications to go through with addresses in XXXX different states? And, most importantly, why did I get hard inquiries on my credit score from both Sheffield Finance and XXXX XXXX? I do not have access to Arizona law to do the research myself. The loan is no longer needed but I still have the hard inquiries on my record and I would like to know what the reason is that these financial companies are not being transparent about this 'policy ' or 'law '. And, if this is actually the case, I would like to find out if I can get these erroneous hard inquiries off of my credit record.
09/30/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • WV
  • 25404
Web
I have previously complained about my time share payment being delayed intentionally ( reordering transactions ). BB & T has denied delaying ( reordering ) transactions to cause an overdraft. This time, I called the time share finance accounting office, and in addition to stopping automatic check payments asked when the last transaction was submitted. I was told it was submitted XX/XX/XXXX, and it showed up on my banking app as being posted on XX/XX/XXXX. In the meantime, several other transactions were left pending, and then I was charged overdraft fees. On another account which is new, I was charged overdraft fees on PIN transactions which if I'm not mistaken, are required to be automatically opted out of overdraft protection, and were not. Since BB & T is reading this complaint : Dear BB & T, either refund the overdraft fees and appologize, or I will close all of my accounts. Your response to my last complaint was arrogant and condescending, and you also denied my home mortgage credit application. BB & T is proving to be worthless as a bank, and this is BB & T 's last chance to demonstrate that it also cares about it's customers in addition to making a profit. What I want to resolve this issue is for BB & T to return the overdraft fee for the automatic check payment on my older checking account, and return the PIN overdraft fees on the new account, and do not respond with nonsense about how I had an overdraft fee two years ago so you aren't going to return the fees. Which do you want, the fees or my continued patronage? It's one or the other.
01/11/2017 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • TX
  • 75028
Web
My father died XX/XX/XXXX leaving his checking account to me and my XXXX siblings by designating us as equal beneficiaries using a Pay On Death instruction. We all live in different states. It has been a nightmare dealing with this bank. Today, my sister, the executor for my father 's estate, went to the XXXX NC branch to close the account. She had in her possession a certified death certificate. The bank issued a cashier 's check to her in all XXXX of our names. THE CHECK IS USELESS!!! We live in XXXX different states, ca n't get together to sign this useless check so that it can be cashed and the funds disbursed as per my father 's POD. AND SHE WAS TOLD SHE COULD NOT RETURN TO THAT BANK BRANCH TO CASH IT EVEN IF SHE COULD MANAGE TO GET OUR SIGNATURES ON THE CHECK. No bank will take a check made payable to XXXX individuals. So, BB & T, you are still holding our money hostage! The account has been closed and we have a useless cashier 's check that NO BANK will cash. Now we have to hire an attorney to sue your bank to get our money. Is this how you treat your customers? Even though your " customer '' is deceased, we became your customers at the time of my father 's death. What is so hard about closing an account and issuing separate checks to the XXXX named beneficiaries? I 'll probably not hear anything from you in reply to this post. You did n't reply to my first post yesterday either. But I will continue to post my complaints until this gets resolved. You do not do business in an honorable way and I am glad that I do not bank with you.
09/25/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • NC
  • 28602
Web Older American
BB & T charged my small business ( XXXX XXXX XXXX ) a non compliance fee from XXXX XXXX. The fee was not clear and conspicuous on my statement. When this fee began in XX/XX/XXXX, the bank did not make it clear to me ( and probably many others ) that I was to do a compliance survey yearly. They never gave me a clear and obvious reminder each year to resubmit a new survey. They recently told me it was MY 100 % responsibility to submit the survey. They ( BB & T ) had no responsiblity to remind me. They were never proactive in nearly 10 years to ever give me a heads up or a courtesy notification that I had not done this survey. I just discovered that this item has been charged to me since XX/XX/XXXX. They stopped sending me paper statements in XX/XX/XXXX, because they started charging me to send them. They raised the non compliance fee on 4 occassions without full, clear, conspicuous, prior notification. I did the survey in XX/XX/XXXX when they made it clear it was required. If I had known I was receiving a penalty for not doing the compliance survey, I would have obviously done it. I know this has to hit other businesses like mine. I feel they don't want to give me a heads up, so they can collect the penalty fee. Also, in my appeal to the bank to forgive this penalty, that is completly unfair, they have been mostly difficult, sometimes rude, and non transparent. At this point today, they have been unwilling to give me the total penalty fee that has hit me for nearly 10 years. My online statements only allow for me to look back 18 months.
05/24/2018 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Unexpected or other fees
  • NC
  • 27870
Web Servicemember
On XX/XX/XXXX I recieved an electronic alert from BB & T bank that my account was XXXX dollars overdrawn. This being a weekend and the bank is closed and I am a XXXX XXXX Veteran with a XXXX XXXX XXXX awaiting XXXX ; I have a XXXX XXXX. Therefore, I transferred money to my checking account from XXXX on XX/XX/XXXX at XXXX XXXX. The electronic transfer deposit was for XXXX dollars. I received a complete transaction ID # XXXX. According to BB & T representative XXXX XXXX ; stated the following : " The bank received the deposit on XX/XX/XXXX, with a directive from XXXX that the deposit is not to be processed until XX/XX/XXXX. Upon contacting XXXX it was stated to me by their representative, that they are a third party transfer of funds and they do not send a directive on date of deposit. It was stated that the deposit was accepted by BB & T on XX/XX/XXXX. I then, went further and called the Federal Reserve Banking to ask if they put on directives on money transfers from third parties. They stated ; they do not. Therefore, BB & T intentionally on Monday night debits bank accounts first ; then post credits after to cause their customers to acquire an overdraft fee of XXXX dollars to draw up revenue to their bank. This needs to be investigated as soon as possible. Also, they have adopted a bank regulation that a customer can only have one overdraft fee reversed within a 24 month period. This is completely outrageous and they have threaten to close my account if it is not kept up to a certain standard if I file this complaint.
01/23/2018 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • PA
  • 19144
Web
My BB & T checking account is negative because of some fraud and authorized transactions. The fraud transaction have been credit back, but not the overdraft fees associated with it and my account is still negative because of a merchant who has informed me to do a charge back with the bank and the bank has yet to honor this charge back causing my account to continue to be negative and occur more daily fees because of it negative balance. A place an order around XXXX time with a company named, " XXXX '', the initial order was cancelled because my bank blocked and I had to verify who i was and that it was me placing this order ... i did just that and the order was approved for processing with the merchant. Now days into the order being processed with the merchant, they wanted me to verify my identity with them and i did just that sending in copies of my id, bill, proof of address. The merchant then informed they were gon na cancel the order ( I 'm lost at this point ) Days go by XXXX is approaching ... The merchant without any notification to me says my order was shipped then i get a notifcation that it was signed for. Now I dont know if they actually sent the order out but now i open a claim with both the merchant, my bank and XXXX post/usps .... Everyone has concluded their investigation and the merchant has informed to do a chargeback with my bank .... The bank is now telling me I have to wait 29 more days and accumulate XXXX dollars a day in overdraft fees assessed daily ... ... .. this is not fair to me ... ... ..
05/18/2015 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • FL
  • 33032
Web
the problen is to my companyXXXXThe number on the card is XXXX this is with BB & T bank. A year ago they charged me XXXX for an overdraft and it should n't have happened but they withdrew a maintenance fee from my account which caused the amount to be lower. I do n't think this is fair they do it when they see you do n't have money. Previously before I made a payment out of the account I checked the balance to make sure I had enough. For my surprise I had overdrawn the account XXXX because of the maintenance fee that was withdrawn for {$15.00}. When I talked to the branch manager they returned the {$15.00} which put me in the positive. They still charged the overdraft fee. A year later I got a call from a debt collector that is charging me now {$60.00}. What is the government doing to regulate these institutions? In the past a bank XXXX took my property, along with the judges of the court. Now this bank is charging me this amount or they are going to report it to my credit. What is the government doing to stop these institutions from stealing money from consumers? This bank BB & T is proceeding in an irregular way, I ca n't communicate with them. The branch people do n't know what they are doing. I called the manager and they state they are going to return my call but they do n't. What phone number can I call to communicate with them? XXXX This is about a ( n ) Debt collection : Other ( i.e. phone, health club, etc. ) Which of these best describes your issue? Cont 'd attempts collect debt not owed : Debt was paid
03/26/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • FL
  • 32210
Web
On on XXXX I made a payment to XXXX XXXX in the amount of {$15.00}, but also made another purchase which dropped my account lower than I realized. The next morning I made a {$40.00} deposit to my bank to cover all transactions, and noted that the {$15.00} had been debited from my account and I was still in the positive on my account. On XXXX I noted an overdraft fee on my account, as nothing should have been debited from my account I called BB & T to ask what the fee was. That was when I was told that the XXXX XXXX fee had bounced and caused the overdraft. I explained that the amount had been cleared as of noon the XXXX, without issues and that I did not have their overdraft program that allowed them to pay out purchases if my account was short. The lady, XXXX XXXX, confirmed this and could not explain what had happened, only that it was valid and I wouldnt get my money back, she even chuckled about the situation at the time. I explained that the last fee was returned in XX/XX/17 when I had called my former car insurance and three-wages called the bank to prove that they had made an error and that, that return of fee should not count against me as that was their fault. The woman again stated I would not be getting a refund before I hung up. I also reached out to their social media accounts and received the same answer but no one could explain why it had both cleared and caused a bounce check fee. Can this be looked into? I feel as though my bank stole from me and it doesnt make me feel comfortable with them anymore.
06/22/2015 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • MD
  • 20706
Web
I was given instructed by my nephew to deposit his check into my account to pay his rent. I deposited the check into my account. The bank did not credit my account. Instead they put a hold on the check. I called to ask why and was never given an answer or notified by mail as to what the problem was. I contacted my nephew as to the problem, but he XXXX unable to get any paperwork done on the matter. Since he is in XXXX, I cant help at this point. The problem now is that the bank is taking my money to cover a check that is still on hold. Right now they have taken XXXX dollars of my money and my account is XXXX overdraw for the balance of the check amount. I cant use my ATM, or debit card to pay any bills, I am literally without any banking. I do not know why they are taking money from my account, when the check I deposited is still on hold. They never put that money into my account They are literally stealing my money to cover a check that they never cashed for me. I spoke to someone in the corporate office in XXXX and they do n't know why the branch manager is holding the check. This is unusual because a week or so before I deposited a check from the gentleman the rents a room in my home. It was his S.S. check. He signed it and I put it in my account. There was no problem with that check. I need for this matter to be looked into because my XXXX check is direct deposit. How is it that they can go into my account an manipulate it the way they want. What does my money have to do with a check on hold in the account.
11/30/2015 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • FL
  • 34476
Web Servicemember
HelloMy name is XXXX XXXX XXXX XXXX. I have submitted documentation to the BB @ T escrow dept XXXX to adjust my taxes and they still continue to refused to do so. The first time they wanted me to write a detail letter of why I was disable. ( this violate the health care privacy act ). When I told them I was n't going to give them this information they said they could not guarantee my form being processed. For the second time today I spoke with XXXX XXXX and I explained to her again that I was XXXX Total and Permanent and that I needed my taxes adjusted. SHE REFUSED TO DO SO.. BB @ T keeps asking for the same documentation that I have already sent them and then they say that it is n't sufficient. I spoke with the XXXX County Tax Collector Office and I was told that the document they provided me is what needed to make such adjustment. I was also told that the XXXX County Tax Collector 's Office that Banks in general were giving disable VETS a hard time in accepting this form that shows their tax information. I think someone should look at this issue. No Veterans should have to endure this kind of abuse from any institution. This is n't just for me but for every Veteran up there that has to deal with abuse and non sense daily. Included is the documentation that has been fax to them XXXX since XXXX with no positive result. Ps This directly violates Federal Law found in the Federal Registry Of Regulation. Please get the word out. I know I am not the only dealing with this abuse. Thank YouXXXX XXXX
07/22/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • TN
  • 37363
Web
I needed to change the bank BB & T Bank used to Automaticly Draft Payment from. On XXXX/XXXX/2015, I went on the BB & T websit and changed the bank from XXXX XXXX to XXXX XXXX XXXX XXXX XXXX. My {$590.00} payment was set up to be withdrawn, but since my XXXX 2015 payment was due the next day, and BB & T Bank website noted it would take at least XXXX payment cycle before my payment would be automaticly drafted, I elected to pay the {$590.00} payment immediately. The next day, XXXX/XXXX/2015, BB & T automaticly drafted another payment of {$590.00}. So, I called BB & T Bank and asked for EXTRA payment to be refunded. I was told to go to my local BB & T Bank Branch and fill out and sign some forms and provide a copy of my bank printout showing the BB & T Bank withdrawals from XXXX XXXX XXXX. So I complied with both requests. One week later, I was called again by BB & T Bank saying they could not fullfil my request because I had not sent the copy of my bank transactions from XXXX, I explained, I had, they said they would contact the branch. Later they called me back saying it would take them another XXXX business days to wire the funds back to XXXX. It is now XXXX/XXXX/2015, I checked my BB & T Bank Mortgage account and the funds were finally taken back out on XXXX/XXXX/2015 ( 15 days after the error ) but still had not been sent to my XXXX XXXX XXXX checking account. I hope it is not legal for them to keep holding back my money, because I am having to pay 15.50 % interest on this money they are keeping from me.
09/27/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • TX
  • 77004
Web
I called my personal banker and I asked her for 24 months bank statements on 3 accounts because I needed it for court. She said she wasn't in the office and couldn't do it but call the branch and see if they could. I called and XXXX said she would do it for me no problem. I said thank you and she did it. I picked them up and she told me her birthday was coming up. I asked her what she likes and she said scented candles. I came back 2 weeks later and gave her scented candles on her birthday. The next month I was surprised to see a {$170.00} service charge for each account. I also had 2 to 3 overdraft charges of {$36.00} each on each account because the service charges over drafted the accounts. I immediately called my banker XXXX XXXX and I asked what are these service charges. She told me that is what they charged to give me my bank statements. I told her that no one ever said they were going to charge me to provide this service. A charge was never mentioned because if it was, I would have said no! I asked for my money back as well as the fees and they are ignoring my request. I have called, text and emailed and I have been ignored! No response. The whole ordeal has cost me approximately {$580.00}! I want my money back. If you were going to charge me, you are suppose to disclose your charges and fees. No one said anything to me about a fee. They made it look like they were providing service like a bank should. I save you money by doing eStatements. The least you can do is print them if I ask you for them.
08/18/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • AL
  • 360XX
Web
I was attempting to make a cash deposit through the bb and t atm on XXXX XXXX street in XXXX AL onXX/XX/19, shortly before XXXX XXXX central time. The bank was closed. The first attempt totaled my deposit to be XXXX instead of the XXXX I put in the machine, so I cancelled my transaction. All my money was returned and I verified it was in fact XXXX as I had previously counted. I tried a second time to deposit the XXXX and our spit out a XXXX, saying it could not read it, leaving XXXX still in the machine. The slot where the money is dispensed kept opening and closing but no further bills were returned. Eventually, the screen showed a deposit amount of XXXX (instead of the XXXX the machine still had-still off by XXXX), so I hit cancel transaction again. However, this time no money was returned. Then the screen came up asking if I wanted to quit or go home for another transaction. It would not let me select either, it was like it just froze up. It asked for my pin number again and eventually gave my card back but no money. I called the number on the machine and made a report but got no answers as to when or if my money will be credited to my account. They said they would investigate. In the meantime, I'm out XXXX dollars that their atm machine basically ate and gave me no credit for. I put three $XXXX, seven $XXXX, one $XXXX and one $XXXX in the machine. It returned one of the $XXXX because it was unable to read it, but kept the remainder, without depositing into my account.
02/09/2016 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • PA
  • 155XX
Web
BB & T bank is being unfair about how they are subtracting their transactions. The way they do it XXXX transaction can cause multiple insufficient fund fees. Their online account is very vague and when you call into the office no one knows really what is going on. I finally got ahold of a representative that knew what was going on. If there is XXXX in the account,,, there are XXXX pending transactions each for XXXX they subtract that from the XXXX first. So then there is only XXXX to pull transactions from. If there are XXXX transactions for XXXX there will be XXXX XXXX insufficient fund fees. Then there will be XXXX posted to your account. Then the next day, when the XXXX XXXX transactions go through there, will be XXXX more XXXX insufficient fees subtracted from your account. So that would be XXXX more dollars subtracted from your account. Half of the tellers can not even explain to you why this is happening,,, they do not get back with you after you call and they say they will find out and call back. I have had a huge mess happen to my account because of this and could not get my account straightened up because of it. There is no documentation sent to you telling you exactly what bounced and it is utterly confusing and wrong. I do know that XXXX has been sued for this practice. I feel taken advantage of by BBT and they are wrongly charging fees. Most people can not come up with the money to cover the fees when they are tacked on so they are gon na end up with more fees in most cases.
04/30/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • CO
  • 815XX
Web
BB & T is the loan servicer on my delinquent FHA mortgage loan. Although I engaged their loss mitigation department seeking assistance, I dont feel that they have a vested interest in ensuring that my loan is put through a review for retention options. Instead, they have scheduled a sale date on my property for XX/XX/2019. I believe that there are certain servicing guidelines that they must follow when servicing FHA loans. They have never offered me a forbearance, loan modification or other retention option to save my home. I went through some rough times financially, but am getting back on my feet. My ex-husband is not paying his child support payments nor alimony. I have XXXX kids, work full time as a XXXX and am doing the best I can. I need BB & T to work with me so that I can keep my home. With the responsibilities that I have, I can not find another place to live or be thrown out onto the streets. I am hoping that you could look into what they are doing with my loan and why they have failed to offer any sort of mortgage retention option that would allow me to save my home. I made a phone call to them late last year and they said that I can send them in an application, but the process was very daunting. I feel that they just slapped a sale date on my home without really trying to help me. I am sending then a full package for review for mortgage assistance and am hoping that you could contact them to ensure they follow proper protocol when it comes to requests for mortgage services.
10/25/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • MS
  • 38654
Web
Logged in to mobile app to make my XXXX payment on my XXXX XXXX XXXX to find what XXXX XXXX says is a past due of over {$800.00}. I immediately called them and was told the amount was correct. The customer service rep stated that no payment was made in the month of XXXX. I told her I watch the account carefully and I know the payment was made on time. I told her I would go home and look at my records and call back. By the time I got off work and called them back, they were closed. I called repeatedly today to speak with someone but could never get anyone on the phone until I input incorrect information so I could speak to an agent. I finally was able to speak with XXXX at XXXX on XX/XX/XXXX. XXXX informed me that my XXXX payment was returned. I advised XXXX that this is not what showed online. The payment shows successful as well as cleared at my bank on XX/XX/XXXX for XXXX. I made the payment on XX/XX/XXXX for XXXX with a confirmation # of XXXX. I also went on the tell the agent that I made 3 payments in XX/XX/XXXX : payment of XXXX confirmation # XXXX ( XXXX payment ) XXXX : payment of XXXX confirmation of # XXXX ( XXXX payment ) XXXX : payment of XXXX confirmation # XXXX ( XXXX payment ) Then I just made the XXXX payment on XX/XX/XXXX. So the account is not past due and should not be reported as a late payment. XXXX uses deceptive practices and makes it hard for consumers to keep up with payments. This keeps consumers with low credit scores in the market for these subprime loans.
01/23/2018 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • FL
  • 34953
Web Servicemember
I bought my home XX/XX/XXXX in Florida while going through a ruff time in my life. I was XXXX to XXXX in XX/XX/XXXX-XX/XX/XXXX. While XXXX i received missed payment on my credit report in which was not supposed to happen while being XXXX in the military overseas. My mortgage got behind while i was XXXX due to my ex wife was taking my pay but not paying my mortgage. When I return needless to say I got a divorce, had to pay almost {$8000.00} and then come to find out the next month BB & T wanted more money or they would start foreclosure proceedings, problem was, ex wife took most and then the rest was paid to BB & T. I attempted to work out a deal with BB & T numerous time but to a dead end. I had to hire 2 different law firms and make payments every month now for almost 3 years in which could 've been money on my home and not lawyers. When I got a divorce the Judge awarded me my home % 100 and my ex wife was NOT on my deed. BB & T was going to give me a modification but wanted my ex wife to sign as well but she refused being she was remarried and wanted nothing to do with me or my home so BB & T backed out and over a year later Im still dealing with this. As a XXXX veteran I have served honorably this country, and it hurts to have The Big Companies in America such as BB & T take advantage of veterans in this deceitful way, I have much more proof that my lawyers will be presenting soon but i wanted to warn my fellow veterans to be mindful and careful when doing business with BB & T.
05/06/2015 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • VA
  • 23222
Web
E-payments initiated through BB & T have the funds held out of the account at around XXXX the day the payment is initiated, these funds are held unavailable until the day the payment processes, usually XXXX business days. On XXXX occasions, this has caused some other checks to overdraft. That is to be expected. On these occasions, however, when the e-payment finally posted, it also was charged an overdraft even though the funds to cover the payment had been held out of the account for several days. I understand incurring XXXX charge, but there is no reasonable explanation for charging an overdraft because funds were held to cover a specific payment and then again for the payment that had funds held for it. You can do XXXX, but not XXXX. Additionally, BB & T claims a check deposited on XXXX was not available to cover payments made. BB & T posted the check on XXXX, the account the check was written from cleared the check on XXXX, it shows on the ledger balance as there and the account with a positive balance. They still claim it was overdrawn but can not explain exactly which order the checks cleared or the times they hit the account. Finally, on Tuesday, several checks overdrew the account ( due to e-payments holds ), XXXX employees cashed multiple checks into their accounts and while one would think those checks would post together, they were posted by BB & T not in the groups they were cashed in but rather in order to maximize the number of overdrafts that could be charged.
09/07/2017 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Didn't receive terms that were advertised
  • OH
  • 441XX
Web
I was promised a {$100.00} bonus if I opened a BBandT account and if I met certain requirements such as a direct deposit, ETC. However, when I went to the branch where the account was opened by XXXX XXXX, I was not informed that I would not receive the bonus because it had to be opened online ( allegedly ). XXXX XXXX even accepted a promotional code from me ( XXXX ), and told me that it would work. XXXX XXXX either gave me incorrect information regarding the promotional code or he deliberately misrepresented his bank. A couple of weeks later, when I called BBandT I was informed that even though I met the requirements needed for the promotion since it was not opened online, I would not receive the promotional offer. BB & T benefited from my money being deposited at the bank but did not keep their end of the bargain. What the banker at BB & T did was equivalent to a doctor advising someone to do a surgery that would negatively affect their health. And then when the patient complained to the hospital ( BBandT ), the hospital would say that the patient did not read the terms and conditions closely enough. If the bankers verbal commments were in contradiction with the many many terms and conditions written on paper then this is fraud. Since the banker could deny saying what he did, I want it to be taken into consideration how as a XXXX XXXX, it would have been easier for me to open the bank account online rather than at the branch and subsequently receive the promotional offer.
02/13/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Problem with additional add-on products or services purchased with the loan
  • GA
  • 317XX
Web
I went to the XXXX dealership on SaturdayXX/XX/XXXX, because I was having problems with my car. XXXX XXXX was the salesman who helped me. This was a first time car purchase for me. He showed me a used XXXX XXXX XXXX. I took it for a test drive. He asked if I liked it and that was it. He ran my credit six times before I was approved for a loan. I was told I did not need a cosigner. They asked me what I made per hour and how many hours I worked a week. That's how my income was estimated. They were rushing me and kept asking how much I was going to put down, The downpayment was paid before the contract was signed. I did not have proof of insurance when I left with the vehicle, I was told to text the information the next morning. As soon as I poke with my insurance agent I knew I wouold not be able to pay for the car and the insurance. The Monday XX/XX/XXXX my father, who was not with me at time of purchase, went with me to take back the vehicle. I was told by the manager XXXX XXXX, that there was no reversing the contract and it was a done deal. The car was left at the dealership. I contacted the bank that the loan was made through and told them about the situation. They had no record of a loan made to me. I called a few times during that week and no loan was found. Then I received a letter a couple weeks later from the loan comapany saying my loan went through and my payment was due. I contacted the bank that the loan was through and told them I did not have the vehicle.
12/19/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • GA
  • 30134
Web
Date XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX/XXXX/XXXX XXXX in XXXX Georgia Regional Acceptance Corporation XXXX XXXX GA XXXX : Acct # XXXX ( original creditor ) Re : Acct # XXXX ( collection agency ) Make of car : XXXX XXXX XXXX : XXXX XXXX # XXXX To Whom It May Concern : I am writing in regard to the above referenced accounts and transactions. This vehicle was repossessed by Regional Acceptance Corporation in the State of Georgia on or about, XXXX/XXXX/XXXX, and reposed and brought to XXXX XXXX. When I called to speak to a representative at XXXX XXXX I was told that I had to provide information and the lender which is Regional Acceptance will provide me with that information. I then call back and was given the VIN number to use to find where the car was repossed. I then called back to the company provided information and was told their hours are until XXXX XXXX. Tuesday I called spoke to a rep and was told that the fee is based on the lender this was from XXXX XXXX. Called spoke to XXXX and was told to call her back to discuss the information about the car she is the supervisor over my account. When I called back to get the total amount due because I had to take a loan I was told that because the company was closed Saturday and Sunday they would not charge. However Monday XXXX/XXXX/XXXX the car is still at XXXX XXXX and now they require XXXX dollars and they close at XXXX XXXX and the car was not released until XXXX XXXX. Sincerely, XXXX XXXX
07/24/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Was not notified of investigation status or results
  • PA
  • 175XX
Web
XXXX XXXX said : BB & T Branch Banking and Trust Company Corporate Investigation XXXX. XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX. XXXX, PA XXXX Dear XXXX XXXX : I am writing in regard to your recent behavior at or around our facilities at XXXX XXXX XXXX XXXX XXXX, PA. While Branch Banking and Trust Co. is committed to being open to the public, and accommodating our customers, your conduct falls outside the bounds of acceptable behavior. As a result, Branch Banking and Trust Co. is no longer willing to permit you to enter any of our banking locations. Accordingly, I am writing as an XXXX of Branch Banking and Trust Company to advise you that you are prohibited from entering any premises of the Branch Banking and Trust Company. If you choose to enter the premises of Branch Banking and Trust Co. you will be deemed in violation of the State of Pennsylvania, Criminal Trespass Statue, 3503, and Branch Banking and Trust Co. will take appropriate action. Please govern yourself accordingly. Sincerely, XXXX XXXX XXXX XXXX BB & T XXXX XXXX XXXX XXXX XXXX has an office beside BB & T XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, PA XXXX XXXX : XXXX XXXX XXXX XXXX Fax : XXXX XXXX XXXX XXXX XXXX XXXX is also ... XXXX XXXX XXXX XXXX and Chief Excutive Officer XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, PA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX XXXX XXXX BB & T XXXX XXXX XXXX XXXX, PA XXXX Phone : ( XXXX ) XXXX
05/24/2017 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Funds not handled or disbursed as instructed
  • FL
  • 34119
Web Older American
Two of my accounts at BB & T ( one checking, one savings ) were fraudulently accessed by an unknown person ( s ) with access to my SS number and my previous name ( I am divorced and took my maiden name back 7 years ago ). They also set up a new account online at both XXXX XXXX and XXXX XXXX in my previous name and SS # and after transferring trial credits and debits between my account and their new accounts at XXXX XXXX and XXXX XXXX, proceeded to transfer {$12000.00} in installments into the XXXX account. They also changed my email address on my profile at BB & T so I did not receive any emails regarding the transferred funds. The XXXX account was openedXX/XX/XXXX and closedXX/XX/XXXX. The account at XXXX XXXX was opened/closed within days betweenXX/XX/XXXX and XX/XX/XXXXand except for the trial credits/debits, had no activity. In addition to lost interest due to my BB & T balances being lowered due to the money transfers, I have lost {$12000.00} plus {$12.00} in bank charges for four separate transfers totaling XXXX ( {$5000.00}, {$5000.00}, {$2000.00}, and {$500.00} ), as well as {$7.00} for certified mail to file a fraud alert with the FTC. BB & T has denied my claim of identity theft and have advised me that the funds were transferred to an account that was opened in my name and SS #. XXXX XXXX is telling me that they are not responsible for my loss and it is BB & Ts responsibility. XXXX XXXX has approved my claim but I never lost any money to that bank.
02/21/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • PA
  • 172XX
Web Older American
In XXXX of 2015 BB & T took over Susquehanna bank and my mortgage was transferred to a new account with BT & T. I had brought the mortgage current by that time. The terms of the mortgage have the due date as the XXXX of the month with a 15 day grace period. I made the XXXX payment at the XXXX, PA branch. I soon started getting letters and phone calls saying I was past due on the mortgage. I returned the phone calls, went through the data with a representative and thought the matter was cleared up but the next month I received a statement saying I was 2 months behind and started getting phone calls again. I returned the phone call and went through the payments again. This has gone on until I reached I reached XXXX at BB & T and again thought the issue was resolved. I made the XXXX payment on the XXXX of XXXX and thought everything was fine. Then I got XXXX letters dated XXXX XXXX & XXXX and a phone call on XXXX XXXX saying I was 2 months behind and they were going to report it to the credit agencies. When I called them they had to check my account again and said they would start sending letters and making phone calls on about the XXXX of each month if the payment was not made by the XXXX of the month even though the payment is not late until the XXXX of the month. I recently checked my credit report and found they had reported to credit agencies that I was 2 months behind and lowered my credit score even though I have never been behind since BB & T took over.
03/27/2015 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • TX
  • 76210
Web
XXXX Transferred my checking account to BB & T. However they did not send my savings account. In the transition they set me up with a new BB & T account login online, but did not provide me with the information or attach my email. The settings on my checking account were not carried over. XXXX Account : Overdraft protection - Would not allow transactions that would overdraft my account. Would transfer money from savings if an overdraft occurred. BB & T Account : allowed account to continue to go negative, assessed me {$180.00} in overdraft fees in XXXX dayI was not able to go online to monitor my account, I called XXXX times in XXXX days to get assistance with logging in online and was on hold for over XXXX min each time before having to hang up because I was working ( working XXXX hour days for a project ) Was told debits and credits would be transferred between accounts. However when my company attempted to deposit my check it was rejected. As you can imagine I am not a happy customer of either XXXX or BB & T for being so thoughtless to the customer. I wanted to go close my XXXX account on XXXX before the transfer, since I opened a XXXX XXXX account to use, and to my surprise all of the XXXX branches were closed and I had no way to close it. I want all of the debits and anything to stop hitting this account. I want for everysingle overdraft fee to be refunded. I want to pay the balance that was actually paid on my behalf and I want this account closed.
08/28/2018 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • FL
  • 330XX
Web
BB & T bank unfairly and fraudulently charge my account XXXX dollars in overdraft fees XX/XX/2018 claiming they process 3 Echecks that I'll have written. What bank processes Echecks in less than 15 hours and this 15 hours is the time frame I need the Consumer Financial Protection Bureau to look at, contrary to what this bank would tell you or me BB & T has never processed a Echeck in less than a 15 hours or one day period. I'm asking you the Consumer Financial Protection Bureau to look at BB & T BANK forensically concerning how and who are being charged overdraft fees and their procedures processing Echecks and you would see it's always a 48 hours procedure with BB & T bank. BB & T bank has fraudulently took this XXXX dollars out of my account operating out of the norm of the way they normally do business concerning Echecks and processing them. This is nothing but greed for the soul purposes of showing quarterly profits for BB & T bank and to benefit the shareholder. Example : I have money that should be in my account right now if they were processing Echecks at the end of each business day but that is not the case, any money going in or out of any account with BB & T bank electronically is not going to be processed in no one day. BB & T would tell you or me it's in their bank service agreement. BB & T personally told me the XXXX dollars they took out of my account for overdraft fees is their money and that's the end of the story. Is it fair no it's not.
07/27/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • GA
  • 317XX
Web Servicemember
I responded to an advertisement on the radio of a car dealership that would offer a no down payment guarantee loan for anyone who works in the XXXX XXXX field. I was able to purchase a vehicle ( Nissan Altima XXXX ) in XXXX XXXX. The listed price was {$16000.00}. I have been making monthly payments of XXXX. I have been struggling since the healthcare law making it mandatory to have health insurance started. My employer plan is costing me over {$650.00} a month. I am behind on my payments and the company took my car on XXXX/XXXX/XXXX. I contacted them and was told in order to get my car returned I would have to make a payment of {$2400.00} with another payment of {$450.00} due on XXXX/XXXX/XXXX. I must pay the towing company {$30.00} a day for storage also. The company charges me {$10.00} to speak to them in the phone and {$30.00} if I make a late payment. Then I will still continue to make monthly payments of {$450.00} for approximately 4 more months. I am working full time with the ability to get overtime but now I have no transportation. I will have ended up paying over {$30000.00} for a used vehicle. I am living paycheck to paycheck. I am also a single mother that has raised XXXX XXXX sons. I understand that I have a debt but I also feel that I have been overcharged in this purchase. My credit was not great after I lost my house in the housing crisis. I am paying rent, utilities and taxes. I work hard and have not taken any time off in years.
07/14/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 27405
Web
There was a late payment made on the account, which was not negated, however, I sent a letter to the company after I corrected the payment default and asked for a goodwill adjustment. The late payment was totally my husband and my fault, as we thought the other had made the payment. I explained the circumstances to the company and never received a response. Since then, we have refinanced the car with another company and the account with XXXX XXXX has been closed and paid. XXXX XXXX continues to make monthly adjustments to the account. The late payment happened in XX/XX/XXXX. On my husband 's credit reports, he 's seeing different months of default. XXXX is reporting XX/XX/XXXX. XXXX is reporting XX/XX/XXXX. XXXX is reporting XX/XX/XXXX. On my report, XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX. The negative payment is already reporting negatively, but to see an update to the date getting changed every month is hurting even worse. Throughout the entire course of the loan, we have only ever been late 1 time and fixed it as soon as we saw that we were late. We can understand not being forgiven for the 1 late payment, but to continuously update our credit reports with incorrect information is inexcusable. I would hate to have to file a complaint with the Better Business Bureau over the information. We are in the process of purchasing a home and this information is reflecting poorly on our loan process.
07/29/2016 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • GA
  • 30338
Web
On XXXX XXXX, I was denied a line of credit with BB & T. As of XXXX/XXXX/2016, I still have not received an adverse action letter in violation of the FCRA. After the denial I discovered that my application was intentionally falsified by XXXX XXXX XXXX. As a result of the falsified application XXXX XXXX, processed another application and included the assets that XXXX XXXX XXXX did not include. XXXX assured me that there would be no additional inquires because the prior application was recent ; however, there was an additional inquiry which I did not consent to. This violates FCRA. I was informed this application was denied on XXXX XXXX, 2016. As of XXXX/XXXX/2016, I still have not received an adverse action letter in violation of the FCRA. Additionally the minimum line for the product was XXXX. My liquid assets totaled a little under XXXX. After the denial XXXX stated specifically " BB & T likes to see liquid assets match dollar for dollar ''. If this is true why would this not be disclosed so that I would not waste my time if the minimum line of credit is XXXX and BB & T want applicants to match liquid assets dollar for dollar knowing my liquid assets only totaled under XXXX? It is my position that both inquiries should be removed because there was no business necessity to obtain a credit report when it was known I did not qualify because of a lack of liquid assets. Also, both adverse action letters should be provided to me immediately.
03/30/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • FL
  • 33312
Web
Where to begin.. Once again " fees '' XX/XX/XXXX-XX/XX/XXXX BB & T once again had system issues that not only prevented me from making a deposit at an ATM but caused my on-going direct deposit not to post causing an adverse effect on my auto pay accounts resulting in additional fees. XXXX bill {$73.00} XXXX presented with XXXX balance after {$2.00} deposit only to be returned with {$36.00} check fee from BB & T and on XX/XX/XXXX {$30.00} return check fee and disconnected services at {$6.00} per times 3 from XXXX.. Equal {$48.00} plus {$10.00} late fee makes {$58.00} request back.XX/XX/XXXX XXXX {$100.00} on auto pay only to be returned due to direct deposit not posting and updates by time of presentation and XXXX fee grand total.. {$88.00} in fess due to BB & T system failure.. XX/XX/XXXX dated letter to close account within 10 days was postmark XX/XX/XXXX and rec 'd XX/XX/XXXX certified mail and XX/XX/XXXX locked out of my account including my direct deposit XX/XX/XXXX with pending transaction {$60.00} for XXXX initiated on XX/XX/XXXX.. XX/XX/XXXX the branch mgr returned me the available balance minus and a written scratch note of pending items ( however these items had already been paid ) except that $ XXXX..On XX/XX/XXXX I was able to retrieve my direct deposit minus the {$60.00} for said pending transaction of {$60.00} and yet today XX/XX/XXXX item not paid with a return fee.. Tell me how? Plus I have two merchant credits.. HELP ME
01/15/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • SC
  • 29579
Web Servicemember
We bought the car after experiencing the loss of our previous car from a MVA in which the car was totaled. We felt pressure to buy something quickly, from the insurance company. We purchased a XXXX XXXX, and the XXXX dealership obtained financing through XXXX XXXX XXXX. The account number is XXXX. The payments became a struggle when I had to stop working as a XXXX XXXX XXXX due to health problems. I tried to work with the company to reduce payments and they were unwilling to work with us to lower the payment amount. We thought maybe we could trade the car in and lower the payments that way, and the gentleman at the XXXX dealership suggested just letting the car go. It would only hurt your for a year. In fact he told us he had done the very same thing and it did n't affect his credit at all. They refused a trade in because the amount owed was more than the value of the car. Being desperate to lower our payments we fell for this and purchased a XXXX XXXX XXXX for {$300.00} less per month. I tried to talk my husband out of this but he would change his mind. My husband was diagnosed with XXXX XXXX XXXX in XXXX and does not always see things clearly. They came and repossessed the car, sold it and the amount we still owed was {$17000.00}. We only paid XXXX for the car new. I was not able to maintain employment and had to file for XXXX due to XXXX. We tried so hard but we were so gullible. The car was purchased at XXXX XXXX in XXXX Carolina.
02/11/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • MD
  • 20735
Web Servicemember
In XXXX XXXX, I opened at auto loan with Regional Acceptance through XXXX XXXX XXXX in XXXX XXXX, Maryland. I received at loan in the amount of {$25000.00} with an interest rate of 29.9 % ( payments of XXXX monthly for 66 months ). After making on-time payments for over a year. I lost my XXXX position in which I notified Regional Acceptance and asked for a loan modification ( due to my current income and past on-time payment history ). At that time I was told that they do not do refinancing. In turn, I attempted to refinance the loan with my credit union and was told that the vehicle has too much negative equity and that they would n't help me. I also attempted to trade the car in at several dealership and was told the say thing. Over the years, after making payments to the loan, I asked Regional Acceptance to allocate the payments in a manner that would result in a credit towards the principal balance versus just the principal. After making payments for over 3 years, the account balance never dropped past {$20000.00}. In XXXX XXXX, the vehicle was stolen from my residence. It was later found was deemed totaled by XXXX. The value of the car at the time was {$13000.00} which was almost {$8000.00} less than was owned to Regional Acceptance. Regional Acceptance is still reporting late payments on my credit after the car was totaled in XXXX XXXX. The car was sent to their Insurance lot and they are still attempting to collect this debt.
07/13/2017 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • PA
  • 19143
Web
BB & T are holding transactions in order to charge overdraft fees. On XX/XX/XXXX I transferred {$30.00} from savings to checking. I withdrew these funds at a ATM on that same day. BB & T charged me {$72.00} in fees the next day. It appears that the transaction at the ATM was held until the next day which made the account be in the negative. On XX/XX/XXXX BB & T charged me {$72.00} in overdraft fees, however I had a positive balance on {$1900.00} on XX/XX/XXXX. I had transactions that came through the account between XX/XX/XXXX until XX/XX/XXXX in the total amount of XXXX which left a positive balance of {$36.00} on XX/XX/XXXX. On XX/XX/XXXX I received an overdraft fee of {$72.00} for two items that were posted to the account two days later after the transactions were made. On XX/XX/XXXX BB & T charged me {$140.00} in overdraft fees due to items being held after the transactions were made. At the time these transactions were made the funds were available. On XX/XX/XXXX BB & T charged a miscellaneous fee in the amount of {$12.00}, this was also charged on XX/XX/XXXX. The account is currently in the negative {$82.00} for holding a ATM transaction and I was told that until it is resolved I could be subjected to a {$8.00} daily fee for the account being overdrawn. ATM and debit transactions are being posted to the account days later to reflect the account being overdrawn although the funds were available at the time of the transactions.
01/31/2020 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Money was not available when promised
  • HI
  • 96720
Web Servicemember
Im a former resident of XXXX XXXX Ive done business with the XXXX Fbi since I left XXXX XXXX XXXX we were all in a class we left with information from being released discharge my home address there was XXXX XXXX XXXX, XXXX, XXXX XXXX and I live at XXXX XXXX XXXX XXXX XXXX XXXX I change my address to XXXX XXXX XXXX, XXXX, XXXX XXXX Ive been receiving problems from XXXX XXXX XXXX XXXX XXXX XXXX My auntie XXXX XXXX XXXX that lives in the garage has been watching me collect my mail and she decided to steal my XXXX XXXX state identification XXXX state identification social security card and my overseas XXXX XXXX XXXX auntie XXXX XXXX XXXX that lives in the garage has been watching me collect my mail and she decided to steal my XXXX XXXX state identification XXXX state identification social security card and my overseas XXXX XXXX birth certificate to compromise a payment with the XXXX Fbi tried to give me through FDIC thats been writing my bank over and BB & T banking and trust the payment was stolen please contact me at XXXX my website is XXXX XXXX XXXX you can contact my phone Early in the morning like XXXX to XXXX Pacific standard time you can also contact my father XXXX XXXX at XXXX his email is XXXX XXXX I have already reported this to The federal trade commision I called the FBI this side of the family isnt Being honest at all thats all they do is steal everything they see so could you give me a call XXXX XXXX XXXX
09/23/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • ID
  • 833XX
Web
My name is is XXXX XXXX. I am presently going through a XXXX, and my husband is XXXX XXXX. I don't say that, like so many XXXX. I say that because it's absolutely true, and I am refinancing our house to pay him out, so he'll get out of our home, where my XXXX year old daughter has left, and won't come back until he is gone. I left the mortgage to be paid by my husband last XX/XX/XXXX, and one time in XX/XX/XXXX. Both times he claimed he paid it, and didn't. I've since taken it out of his hands completely, and I am the financial bred winner in this household and family, and don't trust a thing he says anymore. BB & T has been fiddling with this forever. I was NEVER 60 days late as they are reporting. When I found out he didn't pay in the months of XX/XX/XXXX and XX/XX/XXXX, I took care of it immediately, and told them what he did, and I rectified it. They have been reporting me 60 on this mortgage since those months happened. I am refinancing this loan to get my husband out, and these people are just going in circles, there is nobody to talk to? I called and one person told me 5 days, and the other told me possibly 45 days? I never was 60 days late, and it's taking forever and a day to get anything from them, while my life falls apart at the seems, because my husband is torturing me on a daily basis in this home, and I can't get him out due to BB & T 's inaccurate reporting of our mortgage. Please help me before it's too late.
07/05/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • FL
  • 33770
Web
On the evening of Friday, XX/XX/XXXX I decided to review all of my account statements from Regional Acceptance Corp to determine why my balance appeared to be high despite the additional payments I've been making since XXXX of this year. I found a few items that caused me a bit of alarm My account statements began reflecting a higher balance due in XXXX and have maintained the entire year. Instead of the {$390.00} car payment agreed to, I am consistently charged an unexplained additional cost of {$40.00} and the total amount due reflects {$820.00}. I found that I am being overcharged and my additional payments have not been applied to the principal as expected. This practice hurts me tremendously because I'm already paying high interest rates. It feels like I am caught in a web that makes it impossible for me to pay off my debt. It came to my attention that when I was making every effort to pay down my debt and sometimes making multiple payments my past due balance was increasing. I don't understand how that happens. My statement currently shows a past due amount though I am not past due and I've been charged late fees despite paying ahead of time this year. A request will be made to look into this issue as well as credit back the late fees and remove any inaccuracies. have written a letter that I will be mailing to Regional Acceptance Corp detailing my grievance. It will be attached with the other supporting documents.
09/12/2015 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • KY
  • 41017
Web
I believe BB & T is intentionally reordering transactions to cause overdrafts. Let me explain ; We were customers of The XXXX for 5-6 years and we never had problems with our account, but recently they were bought out by BB & T. Since the bank switched to BB & T on XX/XX/XXXX we 've had nothing but problems with both the level of customer service and OUR ACCOUNT in general. We have a business banking account and a personal account and both have been hit with fees totaling over {$600.00} since XX/XX/XXXX. This is after not having any overdrafts the previous XXXX years. The way they 've brought transactions through reminds me of XXXX XXXX XXXX, 6-7 years ago when they were reordering transactions from highest to lowest because they knew they would generate more fees. BB & T is doing the same thing to consumer, now, and they need to punished. I would print off my overdrafts to show you, but I think BB & T charges me for that service too. I would highly recommend you investigate BB & T as word is spreading quickly around XXXX Kentucky- other banks are getting new customers as people close their accounts at BB & T . We 've heard from a handful of different people complaining about the same thing and our credit union has even told us they 're hearing a lot of negative things going on with BB & T. Please do n't hesitate to contact me if you need me to provide more info. My email is XXXXXXXXXXXX and my phone number is ( XXXX ) XXXX
03/27/2018 Yes
  • Mortgage
  • FHA mortgage
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 30297
Web
Applied for mortgage with BB & T Bank XX/XX/XXXX. The day I applied 2 credit reports were pulled within an 1 1/2 hrs of each other by XXXX XXXX on behalf of BB & T. Because of negligence on behalf on BB & T employees this mortgage took 6 months to close. Closing date was XX/XX/XXXX. DuringXX/XX/XXXX BB & T has another report pulled by XXXX XXXX. As stated I closed my loan on XX/XX/XXXX. Ninety days after I closed on my mortgage another credit report was pulled by XXXX XXXX on behalf of BB & T. I contacted the President Line at BB & T Corp. I have conversed on numerous occasions with XXXX XXXX. I first notified BB & T on XX/XX/XXXX when I became aware of the problem. I began conversations with XXXX XXXX on XX/XX/XXXX. No one at BB & T can give explanation as to why my credit was pulled without authorization in XX/XX/XXXXconsidering my business was concluded on XX/XX/XXXX and they had no valid written or verbal authorization. This is in direct violation of the Fair Credit Reporting Act which carries automatic {$1000.00} penalty with no proof of damage needed. As discussed with XXXX XXXX when approved for my mortgage my credit score was XXXX. All my accounts have been paid on time no delinquencies yet my credit score has dropped 45 points. Two reporting agencies are showing 4 hard pulls and 1 agency is showing 3. Normally, a mortgage should only show maybe 2. I have given BB & T 70+ days to correct there errors to no avail.
03/05/2019 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • KY
  • 422XX
Web
Over the last 14 months I have been paying {$210.00} of which {$9.00} has been deducted from my payment, in XXXX of this year I called for a payoff and was given the runaround, First by a rep named XXXX and since then everyone else. I am now receiving letters from 3 debt collectors agencies all asking for the same debt and three different amounts. I have asked for a payment history and was told NO, I asked for an account audit and was told No and finally received a letter stating my payoff balance was {$5300.00} and because I had already paid {$2600.00} but was told I only had {$2500.00} available after {$100.00} had been taken as a fee on top of the {$9.00} fee I pay monthly so I sent a Cashiers Check for the balance owed on XXXX/XXXX/19 of {$2700.00} which should have paid my balance in full, instead I am told that {$2500.00} of the {$2500.00} has been applied toward fees owed to the debt company and only {$84.00} will be applied to my balance on top of the {$9.00} paid monthly. And I still have A REMAINING BALANCR OF {$190000.00}, The company representatives especially XXXX ask very personal questions that are rude, insulting and offensive, I have paid {$530000.00} now I owe an additional {$1900.00} to three separate companies that are involved IT IS NOTHING MORE THAN HARASSMENT WHICH NEEDS TO STOP. As a veteran of this great country I am asking for your help in resolving this debt issue promptly, thank you.
01/31/2017 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • GA
  • 30102
Web
My daughter was allowed to open a checking account as a personal account at the age of XXXX, without a parent or guardian being required a co-account holder. I was with my daughter when the account was opened and i specifically asked if this was permissible and was told by representative that it was. Her account fell negative multiple times and over a period of less than a year had been charged many many Insufficient funds charges / fees. Where as a parent i felt i was not given the notifications i should have been receiving to coach or even intervene on her behalf but was not allowed because she was the only XXXX named for this " XXXX Account ''. I feel XXXX % the representative did not fully disclose information that made these things clear, and i absolutely feel that despite i was present when then account was open that someone should have disclosed to me in writing with my signature that " I her parent '' was relinquishing my rights to represent my child by all definitions " a minor ''. We have since sought services from another banking institution which is where i learned that by our governed law in the state of XXXX she must have someone over the age of XXXX on a checking account with her as a co-account holder. I feel very cheated by BB & T and i am requesting all her funds be returned to her and that any and all reflecting negative marks that would affect her credit history be stricken from this account.
11/05/2018 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • NJ
  • 080XX
Web
My initial complaint was filed with the FDIC, who forwarded on my complaint to you case ( # XXXX-XXXX ). I would like to clarify that this is not the first time I have been charged overdraft fees by BRANCH BANKING AND TRUST COMPANY. As I have often reviewed my statement on a daily basis, I noted that BB & T practices in " Misrepresentation of account balances and reordering of credits and debits to push customers into overdraft, allowing the banks to collect bank overdraft fees. '' I have noted that in reordering of credits and debits often occurs between XXXX-XXXX XXXX, when one is typically asleep. I have contacted BB & T on several occasions and explained this practice was occurring. Their operator has reported to me that that is just what happens. I have lost hundreds of dollars over the years to BB & T because of their reordering. I have often been charged, despite a credit coming in at same time ... but they conveniently reordered it so I would fall into overdraft. As a consumer I am tired of being robbed by this banking system and would like ALL of my fees over the years returned to me as factually, this practice is illegal. I have decided that from now on I will be recording ALL data that pertains to these " overdrafts '' and will be forwarding the documentation to you. But, I am sure that requesting data from their computer systems will clear this up, as it is clearly evident of their practices.
03/21/2015 Yes
  • Bank account or service
  • Other bank product/service
  • Making/receiving payments, sending money
  • TX
  • 78653
Web
I walked into a Branch to pay a loan which was about 30 days past due.! paid the required about to satisfy the loan amount for the period. The loan amount was {$270.00} my pay check for the same period was {$280.00} and we are in a work slow down. So although I made the payment I was still past due. But I should have been current to that point. Now when I get calles from the bank they say I am XXXX days past due. And they have n't received a payment since XXXX XXXX although I paid them XXXX XXXX. So during this time I ca n't afford the banks manipulations of my money. On another note I had hope to get caught up with income tax return. But someone has stolen my SSN and applied for my income tax return. So when I filed they said I had already filed and now I am dealing with Identity theft. IRS is difficult to deal with having an I do n't care attitude, I 'm just doing my job. So the help I counted on is not coming for some more months and my pay is reduced to two days a week. The company does not supplement my income with unemployment ( XXXX ) they should but do n't. ( Texas ) Please note because they in the past have manipulated overdrafts and payments bouncing I have removed my money from this bank. But because of these loans which originated at XXXX which left the State and sold these loans to BB & T. I am forced to deal with them. But I can only try, but without extra money I will not jump through the hoops.
10/21/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • NC
  • 280XX
Web
I brought of vehicle from Regional Acceptance around XXXX. I was in an XXXX relationship relationship that I was trying to get my kids and myself out of. I took the proper steps with the authorities as well as contacting Regional Acceptance about what I could do. I had to pack up and leave everything behind in order to be safe. Upon speaking to them I was told that I can voluntarily turn my vehicle in. I turned my XXXX XXXX back in to them in XXXX. I was told it would be on my credit report for 7 years at the most. Well a couple years ago I received a schedule I think it was a XXXX C that I had to claim on my taxes from Regional Acceptance that had me to have to count this as part of my income. So I filed the debt on my taxes. Well 7 years would have been XXXX and 10 years would have been XXXX. So why is this showing on my credit report and it is showing activity. It shows that the last payment was made on XXXX/XXXX/XXXX. It also shows delinquent in XXXX, and XXXX. I did not have that car those years. The car was a voluntary repossession in XXXX so how is it reporting payment activities in my name for these years way after I had turned it in. How are they doing this fraudulent activity on my report. This is not acceptable. How many clients are they doing this too? I do not have the account information because it has been that long ago, but what is showing on my credit report is Regional Acceptance Corp # XXXX
02/01/2016 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • FL
  • 32162
Web Older American
I applied for and received a mortgage in XXXX from BB & T. At the time they asked if I would like a free checking account. I decided I could make use of a different bank having an account, so I accepted the free checking account. I paid the mortgage faithfully. I sold my home in XXXX XXXX and paid off the mortgage. I did not close the checking account. I rented a new place, I found a new home, I moved my furniture, I remodeled and redecorated. This is to explain why I did not sit down and read my monthly statements from an account that never had any transactions from me in 5 months. Finally I looked at the account statements from BB & T ( who had never charged anything for an account with XXXX dollars in it ) to find out they were now charging me $ XXXX!!! maintenance on an account I wrote XXXX checks per year out of. Agast, I went to my local branch and they credited me back on 3 of the 5 months worth of unannounced maintenance fees. I feel this is intentional fraud. They know someone is in transition when they sell a home and pay off a mortgage. They realize they are not likely to remember the fine print in the mortgage they signed 4 years earlier. This fine print in the mortgage was the explanation I was given when I went to the local branch. They said someone would call and talk to me about the other 2 months worth of fees {$60.00}. But no one even attempted to call me or refund the ill gotten gains.
08/10/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • MD
  • 21244
Web
XXXX XXXX XXXX received all of the information needed on a stolen vehicle from in XXXX & XXXX but kept billing us late charges, fees, etc and claimed in the month of XXXX they did n't receive anything. We also did a conference call with the insurance company XXXX XXXX with XXXX XXXX XXXX which was recorded. The investigator from XXXX XXXX asked the XXXX rep if they have all of the Gap insurance information for their claim and she answered yes. They contacted us in XXXX 2017 and claimed they never received anything and sent us more forms we notarized and sent back and they still are billing us and sending us letters and statements about fees and extra charges. The insurance company paid them over {$16000.00} + but they are still trying to milk us. The auto dealership, XXXX located at XXXX XXXX manager stated they do this in order to drain you of more money, and they do it all the time to consumers. He sent them the information for a rebate of the protection package which was included over {$200000.00} financing at the time. The company XXXX was sent {$90.00} from that. They were already paid more then what the car is worth a XXXX XXXX XXXX and they are used to ripping consumers off for more. Tragedy! Somebody please help! These businesses make a living draining the consumers pockets! Every time we spoke to them even after the card was paid off they claimed we owed them more money before it was even settled.
01/04/2017 Yes
  • Mortgage
  • VA mortgage
  • Application, originator, mortgage broker
  • FL
  • 33467
Web Older American
I went to BB & T bank to secure a VA loan XX/XX/2016. My loan officer miss represented the Underwriters needs concerning needed documents needed for closing. I sent newly prepared documents in. time was relevant and time ran out. I then had a new meeting with loan officer and was told i would be able to get qualified and that he would write a letter himself to address the problem area i was having to get loan processed. XX/XX/XXXX i was rejected because all of the documents i had sent in to prove i was living in home was n't enough i had asked my loan officer i 'd do anything they wanted to prove my living in the home and did everything i was asked. I then went to another Bank where I transfered all my documents to and the only thing left was the VA appraisal. I put in the request to have the appraisal transferred weeks went by nothing. twice this scenario happen. I wrote multiple emails to BB & T then was told they needed a letter from both new bank and myself requesting the appraisal be transferred. I did that and thought everything was over but got email from mu loan officer stating that he had not received the appraisal yet. I wrote the loan officer at BB & T again he stated that he was working on it and to be patient. Im now into the next year and my new loan officer just sent me an email stating that i 'm about to loose my locked in interest rate because BB & T cant or wo n't transfer my appraisal.
10/25/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • GA
  • 30331
Web
On XX/XX/2018, an online payment in the amount of {$100.00} was sent to my checking account at BB & T. On XX/XX/2018 I received a letter from BB & T Adjustments Department that my account was debit in the amount of {$100.00} onXX/XX/2018. I call the local bank on XX/XX/2018 to express my concerns because I believed that it was an error. BB & T requested a copy of the letter I received. I sent a copy via email on XX/XX/2018. BB & T assured me they would call after researching the issue. On XX/XX/2018 I call an XXXX number provided on the letter. They told me that the amount that hit my account in error was from a cashier 's check made to another company. I asked where was my online payment of {$100.00}. They said that they did not receive it. I called XXXX XXXX XXXX XXXX ( XXXX ), the party who sent the online payment. XXXX said that it was sent and they said they would open a case and send it to BB & T. I was able to see the paper trail where XXXX did send out the payment. On XX/XX/2018, I made a visit to the local BB & T and they stated that they did not receive the payment and said that I needed to talk with XXXX. I gave them a copy of the online payment disbursed onXX/XX/18, a call was made but they only verified what I was just told that BB & T had not received the payment. I have received a call and a written notice that may BB & T account has a negative balance and threat to report me to XXXX.
12/08/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • AL
  • 35242
Web
I purchased a new home in XX/XX/XXXX and at that time purchased Homeowners insurance with XXXX that was paid in full and escrowed with my mortgage with BB & T. On XX/XX/XXXX, the homeowners policy was cancelled due to " non payment '' because a {$40.00} multi discount policy credit was removed when I replaced my auto policy with another company. There was no notice mailed to me, and the insurance company confirmed they emailed a notice to the wrong address. I was not made aware of this cancellation until XX/XX/XXXX, when I received a notice from BB & T that my policy had been cancelled. I do not know why BB & T waited this long to tell me the coverage had lapsed. I promptly replaced the coverage with another carrier that day. Coverage is currently in force, and the policy is paid in full for XX/XX/XXXX-XX/XX/XXXX for {$730.00}. Today I received a notice from BB & T that they plan to purchase insurance for the lapsed period between XX/XX/XXXX and XX/XX/XXXX for {$3400.00}. Since Homeowners policies are " occurrence '' based policies, and there were no " occurrences '' to give rise to any claims on the home, this insurance actually insures nothing. Insurance is the transfer of risk, and in this case there is no risk to transfer. The chance or likelihood of a tornado or other insurable event damaging my property during these prior months is zero since time travel does not exist. Please help!!!!
07/17/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • VA
  • 20169
Web
I purchased my XXXX XXXX XXXX in XX/XX/XXXX with a 66 month auto loan from XXXX XXXX XXXX . The percentage was 22 % interest. The loan amount was for {$15000.00}. It has been 73 months and I have paid them {$21000.00} so far for this car. They tell me I have a balance of {$14000.00} that they say I still owe them. As a result, when I am done paying for this car I will have paid them more than {$36000.00}. According to the contract, the total number of payments they were to receive after the 66 month term is {$27000.00}. The extra amount they are telling me is due to interest which is charged at $ XXXX /day plus a monthly late fee of {$20.00}. During this loan, I was out of work once for recovery from XXXX and again for loss of job. Therefore, I have had to have extensions on my loan. I have been struggling to pay this down at a $ XXXX /month payment fee. I can not get ahead because they are always putting extra fees on my payments and then they call me and harass daily and threaten to repossess my car. I have paid this loan for 73 months now and they are telling me that as of XX/XX/XXXX , my contractual loan with them will be done and they will charge me a balloon payment of over $ 10K! I have offered to settle this debt for a lump sum of {$5000.00} and was told that they would not consider less than $ 11K! This is an impossible debt and it is a predatory lending at its worse!
08/11/2015 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • VA
  • 24551
Web
While reviewing my personal checking account through BB & T I noticed an electronic check processing to XXXX ( XXXX XXXX ) and in the from section it had an unknown individual ( s ) from XXXX, VA and the account number on the electronic check was not mine. I have accounts payable to XXXX but they are not in this amount so I called BB & T and XXXX in the corporate office began looking into the matter. While I was on hold for several minutes I called my wife who is a joint owner of the account to bring her up to speed. After approx XXXX min. the BB & T associate came back on the phone and stated that he had begun an investigation into the matter. That the funds would be returned to my account by the next business day and the bank would cover any overdraft items. He inquired if I had any outstanding payments that would be affected by this debit and my response was not to my knowledge however I have taken the time out of my day to audit my account find your employers huge error, missed time at work, my wife 's missed time at work and the matter of distress that this has caused me and my wife to think that a banking institution can have an unk glitch in their system that indiscriminately takes money from one customer and pays the federal debt of another is a major problem and all my bank offers me is an apology???? But if I make an error you bang my account for an XXXX overdraft fee!!!! Unbelievable
10/16/2018 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • NC
  • 28270
Web
Hello Team, I opened an online checking account with BB & T on XX/XX/XXXX and deposited online {$50.00} as account opening initial funding. After 2 days I transferred {$50.00} and {$200.00} from my XXXX Account to newly opened BBT account. These transfers did not go through after 3-4 days and I saw those as reversed in my chase account. After this I tried to call the customer care but could not reach them due to certain tool related validations. I tried calling XXXX XXXX Branch banker XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and spoke to her about the issue. she was able to validate and told me that my account is blocked and I should visit nearest branch to verify my identity. I visited the branch and showed provided my id details. I spoke to Branch Banker XXXX XXXX at XXXX XXXX BBT XXXX. She verified my details and asked me to connect back after 2-3 days. Today XX/XX/XXXX i visited the branch and spoke to them again. She verified and told me that fraud prevention team does not want to un block my account as my license belongs to XXXX and residential address is of XXXX XXXX. I gave her all my documents to verify but it is little weird why the bank wont open account just because my DL is out of state. I want help here to ensure my account is opened and need a answer from bank on what basis they have rejected my account even after providing all proofs that were asked. Thanks, XXXX
01/20/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
  • GA
  • 31909
Web
My wife and I received a refund check from the IRS. Today, XX/XX/2017 AT XXXX XXXX I attempted to cash at our local BBT ( XXXX XXXX XXXX, XXXX, GA XXXX ). The teller, who identified herself as XXXX, refused to cash the check because my wife was not present and her name was not on the account. I asked to speak to the manager about cashing the check, and was told no manager was in for me to speak with. My wife 's name is not on the account because we tried to place her name on the account, but as her immigration status is pending ( she is legal and in the process of establishing permanent naturalization ) the bank refused to put her name on our account. My wife was not with me because she is the mother of XXXX young children, XXXX XXXX XXXX XXXX XXXX, and can not drop taking care of our children to hop in the car with me. I would have less of an issue with this, except for the fact BBT has cashed checks ( including from the IRS ) made out to myself and my wife in the past with no issue as long as my wife has endorsed the check ( this check was endorsed by my wife ). They deposited to my account and then gave me the cash back. For a resolution-please cash the check my wife has endorsed, even if it is just me in the drive through! I am happy to bring my wife 's driver 's license or paperwork, but it is difficult for us both to leave the house, put the kids in the car, simply to cash a check.
05/02/2016 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • GA
  • 30024
Web
I have a checking account with BB & T. I had a mortgage with XXXX XXXX XXXX and I paid off the mortgage account. But mistakenly, XXXX XXXX XXXX deducted the mortgage payment from my BB & T checking account and I incurred XXXX over draft charges of {$72.00} on XX/XX/XXXX and XX/XX/XXXX as a result of insufficient fund on my BB & T checking account. I have complained to XXXX XXXX XXXX and they admitted their mistake and sent the wire to My BB & T account. I called BB & T and explained everything. BB & T promised me to refund the XXXX overdraft charges and I waited for a week. Nothing happened and I called BB & T and after being on hold for one hour, I was able to talk to BB & T customer service. I inquired about the status of the refund for the XXXX overdraft charges. BB & T explained that the initial customer service representative requested to the wrong department and they will request it to the correct department and I hung up the phone. Another week passed and nothing happened. I call BB & T again and I was being on hold one hour and twenty minutes and was able to talk to a customer service representative and I asked for manager and she put me on hold about 30 minutes and said that manager is on lunch and asked me to leave my phone number and I did leave my phone number, but I have never get any phone call back from BB & T and have n't received any refunds for the XXXX over draft charges,
06/04/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • NC
  • 27617
Web
BBT sent you a false statement regarding my complaint on behalf of my parents. BBT has on file a certified copy of POA in which I have the ability and legal option to take care of and handle this matter. Therefore, my complaint still stands.I made a XXXX part payment to BBT totalling the loan amount. Instead they did something different. When I contacted them in person, BBT was to have reversed the payment, I have forwarded you copy of their statement of intent to correct, reverse the misapplied funds made to them in which it was to have been be applied to loan. Instead they applied it in error to something entirely different. When I contact the bank they assured me they would reverse the transaction. Yet they did not. They also have this loan listed as commercial loan which does bring about a higher rate of interest. Which is also an error. There was no late fee due, since the mod was newly executed and all payments were made according to the agreement. I made with them.. In order to make the agreement for my parents, I did have to have A POA which clearly shows they lied to you about not having the ability to respond to you. I believe they are predatory lenders and wish to have this matter reopened and a true investigation be started, XXXX in which what they say is investigated and I opportunity to respond.. I am XXXX XXXX, my parents are XXXX and XXXX XXXX and I have certified POA.
07/23/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • AZ
  • XXXXX
Web
BB & T Bank, DBA XXXX XXXX XXXX has been collecting {$500.00} per month from me for the past two years on a simple interest loan. After payments totaling approximately {$12000.00}, my balance has only decreased {$300.00}. I am unable to get any reasonable explanation. This appears predatory. There are numerous consumer complaint websites that report the same idetical problem. Here is one ( I can provide many more ) XXXX XXXX XXXX XXXX XXXX ( copy and paste into browser ) It is alos intersting to note that 27 or 28 consumber reviews on the Better Business Burea website are negative : XXXX XXXX XXXXXXXXXXXX XXXX ( copy and past into browser ). My biggest fear is that BB & T ( XXXX XXXX XXXX ) will just continue to give me phony and nonsensical responses. Because of the large number of identical complaints on the web, I am assuming their business model involves stringing customers along until eventually they have no option to default ( cars CAN NOT BE REFINANCED DUE TO THE NEGATIVE EQUITY CAUSED BY THE BALANCE NEVER DECLINING! ). By the time the consumer defaults and the car is repossessed and sold, BB & T has made it 's money. Strange way to do business. I personally was victimized again when I went to purchase a new car to get out of this loan. I was offered a 2.9 % interest rate. The only way I could have refinance is to have come up with {$12000.00} to cover the negative equity.
07/25/2018 Yes
  • Mortgage
  • VA mortgage
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 78108
Web Servicemember
I am XXXX XXXX military and in the process of trying to purchase a home. which will be my forever home/retirement home for completed 20 years of military service. There are some late payment reports on my credit report from my current mortgage lender BB & T. My credit report shows that I had late payments for XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX. I have reached out to the bank numerous times explaining to them that I was having financial issues due to having one source of income and being stationed in XXXX XXXX California. Also, I had a tenant abandon my property and in the process of transferring to XXXX XXXX, Texas. Finally, I assumed responsibilities of a nephew due to my sister being XXXX and I had a death in the family which the family member did not have any life insurance, etc and my family and I had to allocate the funds for burial. I have called BB & T and spoke to several representatives on several different occasions during this painful financial setback. I have also provided a written requesting stating all of these facts to their mortgage department as well as the SCRA department of BB & T. Additionally, I went into a branch in person as well. I have been a loyal paying customer to BB & T since XX/XX/XXXX and have never had any issues up to this point. I am humbly requested that these late payments be removed so that I can purchase my final home before retirement.
08/29/2017 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • OH
  • 43206
Web
I closed on my Mortgage in XX/XX/XXXX. When i closed I received an initial escrow disclosure and calculation showing the the distributions from my Escrow account would occur in the month they are due ( XX/XX/XXXX and XX/XX/XXXXfor taxes ; XX/XX/XXXX for hazard insurance ). BB & T purchased my loan in XX/XX/XXXX and changed the accounting method used by my old services without sending me an updated account statement within 60 days of the date of transfer as required by 12 CFR 1024.17 ( e ). Additional, the accounting method used by BB & T is in violation of 1024.17 ( c ). When BB & T sent the annual account escrow, the company 's listed XX/XX/XXXX and XX/XX/XXXXas the distribution date of Ohio taxes and XX/XX/XXXX as the date of distribution date of my hazard insurance. All three of these obligations are due in later months and were not paid until by BB & T until later ( Public records show BB & T paid my property insurance in XX/XX/XXXX and XX/XX/XXXX ; my insurance company received its Hazard insurance payment in XX/XX/XXXX ). This accounting by BB & T attempts to create a Cushion that is in excess of 1/6th of the 12 month total to ensure that they can make disbursements when they see fit. Rather than when due thus never having to use the cushion as it was designed to make " disbursements [ that are ] made before the borrower 's payments are available in the account. ''
02/27/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • DC
  • 20011
Web
On XX/XX/18 I had a negative balance of {$58.00}, I went on XX/XX/18 to clear the negative balance but the systems were down, I had to wait until XX/XX/18 to cash my check and pay the balance which brought my account positive approximately {$1.00}. I checked my account on XX/XX/18 and I had a negative balance of {$240.00} because the bank payed my XXXX payment {$230.00} when I had a balance of less than {$2.00}, then they also payed my XXXX XXXX of {$200.00}. All of these payments were set up to automatically pay when the funds are present. I have been a BBT customer for about 3 years now and whenever I had a bill come thru and the balance was not available it WAS NOT payed, now BBT had a major computer malfunction and somehow my bills were payed, now they are wanting me to be liable for these errors. I have signed a document stating that if the funds werent available I didnt want the vendor payed but somehow this does not translate over to payment arrangements setup thru my checking and routing number. I feel this is of a very predatory nature to pay my bills without monies being available and then hold my account ransom to pay back monies which were dispersed without a balance that would back them. I have spoken to representatives of the bank and they just want to pass it off and ultimately put this responsibility on me further affecting my finances in a negative manner.
08/11/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • MD
  • XXXXX
Web Servicemember
It is with great reluctance that I am even filing this claim. However, I am not able to reach a person that is willing to assist within my banking institution. I am currently and have been in a XXXX XXXX XXXX XXXX facility that does not afford me the hours needed to be on hold to wait and speak with someone. On or about XXXX XX/XX/2019, I made a call to the claims department at BB & T. I advised the representative that there were two charges that were not authorized on my account. I explained that someone from BB & T called me making me aware of the charge in the first place and that card was replaced. I am not sure how or why the merchant came forward with yet another charge without having anything to show me doing business with them. I do not and have not had contact with the merchant ( s ) only to try and figured things out. Since I was not successful I then asked the bank to step in for them to send me a letter stating that there was no error on the account when that was not what was alleged. What happened was two merchants took money from my account without my permission or authorization. I have proof of my whereabouts and I have not signed anything so that alone warrants and investigation to be done properly and my funds to be taken back from those who were not at liberty to receive them. XXXX and XXXX XXXX XXXX were not justified in receiving money from my account.
11/09/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • MI
  • 48135
Web
My complaint is directed towards Regional Acceptance Corporation. I have had a loan with them for two years. My outstanding balance is not going down at all and they charge {$10.00} per day that the payment goes past the due date. In my particular situation, I had poor credit due to a loss of a job which in turn I lost my house, car etc ... ..this is the only company that would accept me, this is something I HAD to do as my mother was ill and I had to travel long distance every weekend to care for her. I lost my mother in XXXX of this year and due to the travel back and forth became late on my payment, I have never been 30 days but sometime close. My monthly payment is {$500.00} on a XXXX XXXX XXXX, now they are charging {$10.00} PER DAY late fee plus their late fee, the loan is not moving! It will never move, I will be paying this for the rest of my life! My credit is now in good shape, I just received an approval letter for a home loan, I tried to get a modification with Regional Acceptance and they said they do not do modifications! I was approved with my credit to refinance for {$200.00} less per month BUT my loan is under water and no one will touch it! The car value is approximately XXXX and I owe XXXX!!!! This is out of control! It has to be against the law somewhere for these people to take advantage like this. They are all over the web with similar complaints.
08/23/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • AR
  • 72701
Web Older American
BB & T Loan number XXXX. Mortgage was against XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX. House was sold and closed on XX/XX/2018. Closing was handled by XXXX XXXX XXXX XXXX XXXX branch here in XXXX . XXXX did the research for payoff as of that date XX/XX/18. The quote from BB & T was {$110000.00}. The last monthly payment was made XX/XX/XXXX for {$950.00}. The payoff came XXXX-18. I was confident that BB & T or their contractor might try and ACH another draw of {$850.00} after the closing dollars were paid. I knew the payoff was to happen 3-4 days before XX/XX/XXXX and they would try to draw that payment so I instructed my XXXX XXXX to not allow them to draw the monies.. So on XXXX-18 they show that stop payment and then proceed to take away from the escrow due to us in the amount of {$1200.00}. Their records show that they would only be sending {$360.00}. We have contacted them via phone calls and two different emails to a supervisor. He has not even responded to those emails. I attached in those emails per his request our bank statement in XX/XX/XXXX which showed the payment made through ACH. I also talked with XXXX XXXX Monday the XX/XX/XXXX and obtained from them the wire service documentation on the payoff. This is SOP for Title companies on a house closing. I am attaching supporting documents that backs what I'm saying as well as BB & Ts ledger that does the same.
09/08/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • FL
  • 33928
Web
REF : Case No : SERVICE OF COURT DOCUMENT - CASE NUMBER XXXX foreclosure auction is being conducted illegally as the plaintiff, BB & T has violated Federal Law regarding Dual Tracking. I was not given ample time to come to an amicable agreement with the plaintiff and their services. I was not given time torefinance or use the HARP program or Short Sell. Furthermore, the plaintiff took the case out of the hands of the civil circuit court saying they were unable to judicate thecase and proceeds with the auction. I will be persuing several agencies regarding the legal conduct of BB & T and suing for damages unless this auction is cancelled and I am givenample time to pursue my other options. I will sue for damages. The judge did not approve the Plaintiffs or my own motions. This is a motion for a new trial by a FEDERAL court who can judiciate such a case. The plaintiff has been unable to give me a payout amount or provide orignial documents. The plaintiff did NOTProvide a loss mitigation package when XXXX was requested even though they have my request on file and no record ofsending XXXX. I am a XXXX mother of XXXX children who has been actively working on this for over a year with NO assistance from the plaintiff, despite my MANY attempts to work with the lender toward a mortgage modification and a hardest hit package. Sincerely, XXXX XXXXCASE NUMBER XXXX
03/11/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • KY
  • 410XX
Web
On XX/XX/2019, I deposited two unit of local government checks at a local BB & T Branch located at XXXX XXXX XXXX, XXXX XXXX, Kentucky XXXX. One of the checks was for {$5200.00} and the other check was for {$15000.00}. I deposited the checks at the teller at the branch. The teller decided to put extended holds on the checks even though they are two unit of local government checks. Under the expedited funds availability act, the funds are to be available the next business day, subject to certain exceptions which don't apply under the circumstances. Per BB & T Bank {$100.00} will be available on XX/XX/2019, {$100.00} on XX/XX/2019 and {$4800.00} on XX/XX/2019, and {$15000.00} on XXXX XXXX. These holds are illegal under the Expedited Funds Availability Act. I asked the teller when I was doing the deposit why they were doing the extended holds even though they were government checks, and the teller 's response was because I didn't have sufficient funds to cover the checks in my account currently. Not having enough funds in my account currently is not an exception to the Expedited Funds Availability Act, and is being used as a pre-text to extend the hold times for local government checks. BB & T is flagrantly violating the Expedited Funds Availability Act when I deposited two local government checks and the funds are supposed to be available within the next business day.
09/12/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Settlement process and costs
  • MD
  • 21043
Web Servicemember
I have a loan with BB & T for a piece of property we bought in North Carolina. We 've had the loan for a number of years and were in the process of doing a loan modification with BB & T since the loan was coming to term. During that modification period, I was told that I would not have to make a mortgage payment because the interest would be pulled into my settlement costs. Shortly thereafter, I started receiving foreclosure letters from an attorney on behalf of BB & T saying the loan was delinquent and my account stated being assessed for a lot of different foreclosure fees. When I brought this to the attention of XXXX XXXX, Vice President for the XXXX Branch who was conducting my modification, she told me that those would be removed and it was just that the mortgage department and foreclosure departments were miscommunicating. This went on for some time and BB & T continued to add fees to my loan. I was told all along that these would be removed, but XXXX XXXX continued to give me excuses about why they were n't being removed. All in all, my account has been assessed with at least {$1400.00} in foreclosure fees because BB & T 's XXXX departments were not communicating that this loan was in a modification. Looking for help to get this corrected and have the erroneous fees removed, since I have been completely ignored in my direct requests to remedy the situation.
03/28/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • FL
  • 32303
Web
I entered into an agreement with Regional Acceptance in XXXX to finance my car. I did not realize that the cost of this loan would be more than double the cost of the car ( and I do take responsibility in not reading the paperwork fully prior to agreeing ). I recently noticed when reviewing a few statements that the way things are being done will cause me to be paying for more years. For example, XXXX XXXX my balance owed was around $ XXXX and XXXX XXXX my balance owe sits at around $ XXXX. So after paying $ XXXX monthly in 3 years my balance only goes down about {$1500.00} per year? This is scary! I am a single parent already struggling and I definitely need my car to keep working. I do appreciate the company working with me since I fell behind on payments after losing my job of 15 years and I am still working towards getting back on my feet. But I am so confused as to how it is taking me so long to pay off my car since XXXX. I was only able to pull up my statements starting from XXXX XXXX to recent. I do not have anything before XXXX XXXX. I am really trying to understand and grasp the best way for me to get out of this hole. Again, I do not want to cause any uproar because I truly need my car to live and I am trying and pushing on a monthly basis to pay the monthly amount but at this rate it looks like I will be paying for 5 more years. How is this possible?
07/15/2018 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • FL
  • 334XX
Web
BB & T Bank has charged me the following overdraft fees and fees to my account : On XX/XX/2018, they charged me {$36.00} in overdraft fees. On XX/XX/2018, they charged me {$36.00} in overdraft fees. On XX/XX/2018, they charged me {$36.00} in overdraft fees. On XX/XX/2018, they charged me {$36.00} in overdraft fees. On XX/XX/2018, they charged me {$100.00} in overdraft fees. On XX/XX/2018, they charged me a {$15.00} ACH Transfer Fee. On XX/XX/2018, they charge me {$35.00} in " Service Charges ''. BB & T is engaging in flagrant and abusive overdraft fee and other charges, which is keeping my account balance low. They are also holding the smaller purchases so that they can keep adding more overdraft charges. Between XX/XX/2018 and XX/XX/2018, BB & T Bank has charged me {$300.00} in overdraft fees and other transfer fee and service charges. BB & T is intentionally adding overdraft fee charges to my account to make more money from my bank account. BB & T is abusing the overdraft fee charges. They are not doing me a favor by adding excessive overdraft fee charges to my account, and instead they are intentionally adding overdraft fee charges to keep my account low and to make more money from my account. I called their customer service and they said they couldn't help me. I also called their " executive phone number '' and they did absolutely nothing for me.
01/23/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • FL
  • 33012
Web
I recently set up direct deposit with BB & T Bank, to receive my unemployment check. The direct deposit took 4 days to clear. Yesterday, i was at the bank to inquire about my direct deposit and the bank rep, XXXX XXXX, called customer service and was told the direct deposit did not even show up in the system. The rep calmed me down and reassured me that today would be the latest. I need the money for my Mother 's XXXXXXXX XXXX and food. Our power and light has been cut off due to not having the funds from my direct deposit. Today, I go to the bank and attempt to withdraw my funds and it seems that overnight, someone put a BLOCK on my ATM card. The bank rep was NOT instructed to block my card, no sort of conversation was ever sustained regarding a XXXX on my card. Due to lack of meds, food, lights, last night I had to have my Mother, a XXXX XXXX survivor, rushed to the hospital. I believe BB & T has done this before as a form of embezzlement. Either way, I plan to bring a civil lawsuit against BB & T for misappropriation funds. I can guarantee you 'll find more cases like this! If you have 1,000 bank customers with direct deposit or just deposits and u BLOCK 500 cards because you know banks wo n't open and you can gain entrance from the funds in the account, it 's clearly embezzlement! I hope you really do an investigation and help the little guy! Thank you
04/04/2018 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • TX
  • 770XX
Web
I wish to bring to your attention about a letter I received from BB & T recently regarding amount owed. To give some background, I had previously filed a complaint with CFPB against BB & T and the account opening process with them ( Case # XXXX ). This case was resolved almost 2 years ago, with the bank ( BB & T ) offering to waive the charge off amount {$400.00} for the bank account. A copy of that letter from the bank ( BB & T ) is attached here. I have not had any banking relationship with BB & T after that. However, I received a letter recently in the mail claiming that I still owe {$400.00} and that they can settle for {$280.00}. The mail does not give any information to contact them and that I can mail the check or money order in the self addressed envelope. This came as a surprise to me as this case was resolved almost 2 years back and now I am being asked to settle this amount after their agreement to waive this amount. This practice of coming after the customer after agreeing to waive the amount is not professional. The letter sent in the mail also does not help in any way to contact them to speak about this. Hence, I am requesting CFPB to pursue this matter and assist me in dealing with them. This is causing me distress and time loss in looking into this issue and I feel I am also entitled to be compensated for this. Thank you, XXXX, XXXX.
11/02/2017 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Trouble during payment process
  • NY
  • 10956
Web Older American
I originally had a home equity loan with XXXX XXXX, which was taken over by BB & T bank. It was an interest only loan of approx. payment of XXXX per month. For the 15 years I paid XXXX dollars per month, never missed a payment, until it was over, this XX/XX/XXXX. I called my local branch and was told, since I still owed XXXX dollars I could convert this to a 3 year loan which I agreed. I never got the new bills on time and had to go into the bank to speak to the manager many times. I never got a XX/XX/XXXX bill and my XX/XX/XXXX bill came at the end of the month of XX/XX/XXXX. I paid this upon arrival for the 2 months. This bank reported to the credit agencies that I was 3 months late. This is an error, I was notified that both me and my wife 's credit was reduced by XXXX points bt they misreporting. I called the bank and was told that the manger " never closed the original loan properly. I called the executive dept of the bank too say I would pay the whole off, if they could provide the credit reporting agencies the proper information so my credit is not effected. To date I have not gotten any letter and want to make a formal complaint. This is a federal bank so the state of Florida does not have any mechanism for a complaint. I want to pay the whole loan off as soon as possible but need a agreement that the Bank BB & T will notify the credit bureaus.
06/08/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • XXXXX
Web
It seem like BB & T use any false, deceptive, or misleading representation or means in connection with the collection of any debt. 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. In order for a claim to be valid there must be a contract in place to show there was an offer made, mutual acceptance, terms and conditions, consideration and 2 wet ink signatures signed by both parties. If there was proof of any debt, according to the rules and regulations of the state, there should be a public record on file with the secretary of state. They send me a copy contract. I want to see original copy of contract. It feel like BB & T being discriminate against me because I am XXXX
08/09/2016 Yes
  • Bank account or service
  • Other bank product/service
  • Account opening, closing, or management
  • FL
  • 34655
Web
My company began banking with BB & T in 2006. Part of the service from the BB & T bank is to provide merchant services. In the agreement with BB & T bank is a fee for the bank to provide PCI compliance on a monthly basis. The compliance fee program is to keep my business compliant to regulations concerning merchant processing. The merchant processor is BB & T bank merchant services. I have recently separated from BB & T after discovering that BB & T bank has been charging for the compliance fee program and a non compliance fee on every statement monthly since 2006 for my merchant services. The compliance fee program is {$9.00} which is to keep my business compliant, therefore the {$15.00} fee BB & T has been charging is, in my opinion conspiracy to commit fraud. Fraudulent bank practice knowingly taking funds for a service that the bank is specifically providing you a program fee to make your company compliant to government regulations makes the BB & T bank an institution that is defiling the very fabric of banking. I wish to continue with any and all prosecution and or testimony required to have BB & T bank exposed to the public and to ensure that other members of the BB & T banking community are not being deceived as well. I address the question to a BB & T representative from the bank by telephone and was ignored without a follow up conversation.
12/22/2019 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Didn't receive terms that were advertised
  • VA
  • 22203
Web Servicemember
BB & T was offering a promotion for new customer ( I am a new customer ) for a {$300.00} bonus if an account was opened using a code and by midnight XX/XX/2019. I opened the account with the code before midnight. On XX/XX/2019 my opening deposit of {$50.00} dollars was credited to new account. The terms said 2 ACH deposits of {$100.00} dollars needed to be completed with 75 days of account opening or another action. I had multiple ACH deposits of {$100.00} within the 75 days. one on XX/XX/XXXX and one XX/XX/XXXX and thus completed all the terms of the bonus. 1 ) New customer 2 ) Opening a bright checking account by XX/XX/2019 with code 3 ) Two ACH deposits of at least XXXX with $ 75 days. After several weeks I began calling BB & T, I got many lines. It takes 3 months, it takes 90 days for account review plus 4 weeks. Then I started emailing them about where was my bonus. First it was 90 days plus 4 weeks, when that passed it was only for people who got it by mail, and I could not remember if I got it by mail, with my high credit score I get lots of offers, then it was you opened it on XX/XX/XXXX and it was too late. I sent the email screen shot of NEW ACCOUNT OPENING, dated XX/XX/XXXX. Banker told me this now needed a corporate review. They are lying to me over and over and have no intention of honoring the bonus after I played by their rules.
07/24/2018 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with rewards from credit card
  • LA
  • 701XX
Web Servicemember
BB & T linked my sister 's and my credit card, because my mother was on both accounts, my sister went and accidentally redeemed credit card rewards from my points, not realizing they were linked, and when we called the bank to straighten it out, apparently they had added my sister to my credit card ( no signatures, paperwork, or permissions were given for this to happen ) and I was removed as a party on MY credit card and replaced as an authorized user, while my sister was given control of my account. BB & T acknowledged confusion, but said I couldn't do anything to get myself on the account even though it was opened in my name, I get the statements and pay them every month, and even have the tangible credit card with my name on it. They said only my sister could or mother could access MY account, even when the account was not opened in her name, nor paperwork signed to authorize her to be a user on my account. I then went to close my credit card, checking, and savings account with the bank because I am FURIOUS, and I'm not even allowed to close it, I can just remove my name as an authorized user. They refuse to correct their mistake, and I've spent two hours on hold and talking to two different reps and two different supervisors and the only thing they will tell me is to just open a new account in my name ... even though I already have an account.
09/17/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 34759
Web
FRAUD ALERT! Credit Inquiry Removal/DELETE Request I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : BB & T XX/XX/1919 and XXXX XXXX XX/XX/1919 19
08/15/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 32824
Web Servicemember
I had two car loans from a XX/XX/XXXX included in a Chapter XXXX Bankruptcy and XX/XX/XXXX included Chapter XXXX bankruptcy they both were removed from my credit report on or before XX/XX/XXXX by all there credit Bureau XXXX, XXXX and XXXX. Since challenging these items, I've notice consistent removal of items that have been on my report over ten years. The removal causes my score to improve and within a few days of this score improvement, a new re-aged item appears on my report from medical collections, to previous auto loans that were previously removed that and included in the bankrupts beyond seven and ten years. I have sent disputes multiple times to XXXX, XXXX and XXXX regarding XXXX. This time around, I received an email from XXXX stating their investigation will need more time, I assume because I attached each of the credit reports I've received from each Bureau dating back to XX/XX/XXXX, including disputes that they mailed me in the past letting me know when these accounts were and will be removed from my reports. I received updated reports with the removals. XXXX deleted XXXX XXXX car loan along with my Chapter XXXX Bankruptcy and Chapter XXXX bankruptcies on or before XX/XX/XXXX. They have had many months of investigation, all the while my credit score continues to suffer from their non compliance of the fair credit reporting act.
04/18/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Settlement process and costs
  • FL
  • 321XX
Web
Residential construction loan. Bank and title company failed to disclose XXXX requirements that would have influenced decision to enter into construction loan agreement with bank. Bank failed to properly administer loan during draw and final funding processes. Title company failed to pay property taxes with funds collected directly from borrower. Specific issues : The day before closing the bank notified me that they needed certified funds of {$110000.00} from me at closing to complete the construction agreement. The funds were to be held in a " loans in process account '' and given back to me through the construction draw process. This was never disclosed prior to scheduled closing. I was stuck at that point. I paid the funds and never received any accounting of the funds being held nor was I paid interest on the funds that were held for months for disbursement. In order to recover the funds I was required to submit notarized affidavits to the bank certifying that all work was completed before it actually was completed. Final draw funding was refused by the bank until I complied with a different set of requirements, separate from prior draw requirements. After final funding and modification to fixed rate loan, title co. Collected 2016 taxes not yet due. They failed to pay the taxes when they became due and taxes remain delinquent and unpaid.
01/29/2016 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • IA
  • 50266
Web
I bank with BB & T. Recently they have overdraft my account when the funds are there. This has occurred on several occasions in the past few months and the trend is that this happens overnight when I have a paycheck pending electronic deposit. While in some cases I may not have the funds to cover all charges BB & T tends to push all charges through immediately. At other times pending charges may take days to process. The example below shows what I mean. I spoke with a representative at BB & T about the overdraft charges and I was told their system accounts for all charges pending or otherwise. So BB & T can make money off customers regardless of circumstances and that funds like a pending paycheck that will cover all charges is not counted. Mind you that they consider pending charges against the ledger but not pending paychecks. Pending transaction date XXXX/XXXX/XXXX Debit XXXX XXXX # XXXX {$87.00} Pending transaction date XXXX/XXXX/XXXX Debit XXXX XXXX XXXX XXXX XXXX DE # XXXX {$360.00} Pending transaction date XXXX/XXXX/XXXX Credit XXXX - XXXX XXXX, XXXX XXXX {$2000.00} XXXX/XXXX/XXXX Debit OVERDRAFT FEE {$72.00} {$260.00} XXXX/XXXX/XXXX POS XXXX 'S XXXX # XXXX XXXX XXXX XXXX XXXX IA XXXX BB & T CHECK CARD PURCHASE {$11.00} XXXX/XXXX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX BB & T CHECK CARD PURCHASE-P {$26.00}
05/20/2015 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • VA
  • 24018
Web
I am being charged overdrafts fees for transactions that I should n't be. I should only be charged for XXXX overdraft fee and that is when I withdrew {$80.00} from the atm because I have also been having issues trying to get a debit card sent to me. When I withdrew {$80.00} I had money in my account but it was n't enough so that is the only time I should get the fee. Well BB & T decides to process my transactions in the order they want so I occur more fees instead of the order I used my card. So as of XXXX overdraft fees were {$100.00} when I called the customer service line she was supposed to credit XXXX and have a supervisor call. Well today XXXX XXXX 2015 I see I have another overdraft fee for {$72.00} because they charged me {$2.00} for calling them. I called back and was told XXXX thing from customer service and when I called the Branch in XXXX VA off of XXXX XXXX, XXXX told me something different. She also told me a Manager could not help me. I want this taken care of before I get my job to direct deposit my check. I should n't be charged almost {$200.00} for nothing. The only time I used my debit card to overdraft was XXXX time only and that was the last time I used it. If I did n't do that last withdrawal none of this would be happening. Its sad banks manipulate the way they post transactions to occur more fees for their clients.
06/12/2017 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Applying for a mortgage or refinancing an existing mortgage
  • VA
  • 227XX
Web
on or about XX/XX/XXXX I requested a copy of a cancelled check I wrote on my home equity line I was given the check # XXXX the amount XXXX .I was told it would be sent out & I would have it in 7 to 10 days .on XX/XX/XXXX I called again & spoke to supervisor XXXX .I told him that I never received the image I requested he said we sent it I asked him to please e mail it he said no I ask him to fax it to the bb & t XXXX branch he refused to do that he said it would be sent out & I would have it Friday & he would call me on Friday to make sure I got it .I have n't received to date or a call from him I went to the XXXX branch the following week & spoke to XXXX the manager she could n't find the image she called XXXX XXXX XXXX & XXXX both called me the next week to tell me the image did n't exist .the following Sat. my girl friend received a packet in her mail addressed to XXXX XXXX & XXXX XXXX in XXXX va. Not XXXX va. the address I gave them over & over. in it were 3 years of statements for XXXX & XXXX XXXX in NJ.i call XXXX & she denied sending it to me. I told her I am a letter head with my on it & she signed it .still denied sending. they also took {$330.00}. out of XXXX account for there statements .they cant tell me where my paperwork is or why I have n't received it. please help us .XXXX needs to be reimbursed. please call me XXXX
11/25/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • GA
  • 30033
Web Older American
OnXX/XX/2019, I went into a BB & T bank, went into the lobby of the bank, at XXXX XXXX XXXX, XXXX, GA, XXXX, met with a teller and did three things : I ordered checks for my mother and me on our joint account ; I made a deposit of almost {$2000.00} into our joint savings ; and I bought some temporary checks. Mother, XXXX XXXX XXXX, had just about run out of checks and had more bills to pay. ( She is not on bill pay and not sure she trusts it, and does not trust paying bills over the phone w her debit card. ) On XXXX XXXX, I contacted the bank online to ask where the checks were in the system. And last Friday, onXX/XX/2019, I went back into the bank in desperation to see what had happened. The manager, XXXX XXXX, told me the checks had not been ordered. The teller told him I had not ordered checks. I ask them why they thought I would be buying temporary check and also checking online about the checks ' status if I had not ordered them. It makes no sense at all. The manager was rude to me and refused to give me more temporary checks or expedite checks to me quickly ; he would not pay the fees on those. He was rude and obnoxious to me and said he believed the teller, XXXX, instead of methat I had not ordered the checks in person on XXXX XXXX. He is at XXXX. It was the rudest exchange I have ever had with a bank employee in my life.
12/04/2015 Yes
  • Bank account or service
  • Savings account
  • Deposits and withdrawals
  • VA
  • 20169
Web
My savings account was involuntarily closed after the financial institution claimed that my overdraft protection exceeded the XXXX per month - preapproved transfers for a period of 12 months. In order to avoid any returned checks or transactions, I was prohibited from making any transfers of my own. This allegation that I exceed the XXXX transaction per month is the furthest from the truth and has caused me financial hardships of authorized e-checks being returned, my account being charge overdraft fees, and thus my checking account going into the negative. The intent of the overdraft protection is to avoid overdraft fees in the amount of {$36.00}, by having any debits that exceed the checking account balance to be extracted from the savings account. I was unaware of any limits per month - not to mention, I have not exceeded the checking account balance more than XXXX times out of a 12 month period. Closing the savings account has cause even more inconvenience as I have a {$500.00} direct deposit going into this account on a bi-weekly basis and will have to re-channel this EFT, in addition, I will need to go into the bank and withdraw the monies into the savings as the account is no longer valid. Much of the confusion stems from the manner in which the financial institution process its transactions, debits/credits/bill pay, etc.
08/16/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • NC
  • 28086
Web
My bank, BB&T, stated that my creditor, XXXX XXXX XXXX XXXX, debited their auto draft twice. Meaning that they drafted the $XXXX payments two times. And the second one resulted in a insufficient funds draft that cost me $XXXX. BB&T has refunded the $XXXX, but has continued to state that XXXX XXXX has received their payment. I called XXXX XXXX, for the second time this week, and confirmed that they have not received a payment. I asked BB&T why my online record does not reflect what they are stating and they said I have to go to a local branch to see the draft. I asked them, why? It is my account and if this charge has cleared then it should show that. I was given no answer to the question. This is not the first time I have had this issue with BB&T.XX/XX/19: Posted Balance $XXXXXX/XX/19: XXXX charge -$XXXXXX/XX/19: Posted Balance: $XXXXXX/XX/19: Refund to XXXX +$XXXX:XX/XX/19: Returned Item Fee: -$XXXXXX/XX/19: Posted Balance: $ XXXXXX/XX/19: Deposit Transfer:+$XXXXXX/XX/19: Deposit Transfer:+$XXXXXX/XX/19: Posted Balance $XXXXXX/XX/19: XXXX - $XXXXXX/XX/19: XXXX - $XXXXXX/XX/19: Posted Balance $XXXXXX/XX/19: Reversal of returned item fee: +$XXXXXX/XX/19: Posted Balance $XXXXIf XXXX has received their payment why does their system still reflect our payment as late and why hasn't BB&T deducted their payment from my account?
01/28/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • FL
  • 341XX
Web
STRAP : XXXX BB & T violated many Federal Regulations Including TILA, Regulation Z, Dual Tracking ( as they were informed I was working on a Loss Mitigation Package with Neighborhood Home Solutions well within foreclosure deadlines, failed to send me their Loss Mitigation package within a timely fashion, exploited my lack of knowledge of the law and claimed they would " work out a solution during my first trial when my complaints should have been raised, and gave me a predatory loan as I was below the poverty line with XXXX dependents. The Civil Court could not adjudicate these claims and BB & T continued with their foreclosure auction well before any and all court motions / appearances were allowed to transpire. They also had many mistakes in documentation and transferred the property to XXXX XXXX XXXX after my last court appearance when opposing counsel told me personally, among a credible witness, that he would email me later that day with a resolution. The Plaintiff also provided the court with misleading ( bordering on fraudulent ) comments which could not be adjudicated at that time and my supporting documentation was unable to be reviewed within the 5 minute time frame the court allotted us. XXXX XXXX XXXX XXXX XXXX FL XXXX I have all documentation supporting my claims and am prepared to take this to a Federal Level.
10/06/2015 Yes
  • Consumer Loan
  • Vehicle lease
  • Problems when you are unable to pay
  • MD
  • 20744
Web
My wife and I had purchased a vehicle from a dealership, and the bank the they used has now refused to give us the Title, since a Medical condition caused us to falter on the last few payments. The bank in question has been playing " hide & go seek '' with the Title, using various other institutions as a penalty to us. I once told them to come and pickupt the vehicle, AFTER they made contact with me, but they didia random drive-by to try nd pick it up. When it was n't in front of the house, they then used this tactic as an excuse to with-hold the Title, and claim we did n't deliver as promised. I have multiple documents to demonstrate their devious tactics. The first company they claimed was holding the Title was the " XXXX XXXX, '' in XXXX, MA. Then when I contacted XXXX, they stated in an UNDATED letter that " XXXX XXXX XXXX '' ( XXXX XXXX, XXXX ) to make arrangements to return the " collateral. '' No mention of me acquiring the requested XXXX. The envelope is dated for XXXX XXXX, 2015. BB & T was provided with every piece of Medical information to demonstrate why my obligation to meet the payments were not met. Instead of obtaining the vehicle under professional and mutual means as I attempted, on numerous occasions, they instead started playing with my already XXXX and will, after the well documented XXXX ( " XXXX '' ).
08/25/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • VA
  • 201XX
Web
BB & T failed to notify me of an increase in my monthly mortgage payment. I continued to make monthly mortgage payments and BB & T continued to receive and accept my on time payments. In XXXX and XXXX BB & T reported my mortgage payments as not as being paid for two months to the credit rating agencies. I learned of this when I called BB & T to inquire as to why I had not received a new mortgage coupon payment book. I than wrote BB & T and informed them I never received any notification from them regarding the change in mortgage rates and its effect on my monthly mortgage payment. I requested BB & T provide proof of a delivery confirmation of mail sent to me and that it was successfully delivered. Any financial matter that could have an adverse effect on anyone 's credit rating should require a delivery confirmation. I have paid my monthly mortgage payment on time every month and BB & T has received payment before the due date. The months in questions are XXXX and XXXX 2016 which XXXX shows funds posted, received and accepted by BB & T. When spoke with a BB & T representative I was informed that the payments were posted to my account. How can funds received for on time payment by BB & T get posted and reported as late - where did my money go and why is BB & T allowed to conduct such a questionable banking practice?
05/07/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • PA
  • 18020
Web
I applied for a mortgage at BB & T w/ XXXX XXXX , Mortgage Loan Officer N ML S ID : XXXX Office : XXXX Mobile : XXXX at the XXXX XXXX XXXX XXXX XXXX PA XXXX branch. After explaining that the seller wanted to close asap and that XXXX XXXX was the absolute last day the seller was willing to wait to close, XXXX and XXXX in the XXXX had no sense of urgency whatever, and did not communicate with us or our agent after we begged, pleaded, emailed, etc. No common decency or even professionalism was shown. I did everything asked in a timely fashion and they waited until well after the deadline to alert us that the loan was basically not approved. It was " conditionally approved '' after the fact but that is not what the agreement stipulated. The home is being sold " AS IS '' and so there can be no contingencies for repair and they knew that if they read the agreement. They all should have known that and if that was an issue from the beginning, then they should have said we do n't write as-is loans. I am a well qualified borrower with assets at my disposal, and a pillar of my community. They repeatedly dropped the ball causing this deal to fall apart and me to loose money. Exasperatingly incompetent to be in the mortgage origination business. They should be sanctioned to the highest degree.
05/27/2019 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Didn't receive terms that were advertised
  • KY
  • 41017
Web
I opened up a new checking account with BB & T bank based on an new account bonus of {$300.00} on XX/XX/XXXX, via the following weblink : XXXX : XXXX. I have not received the bonus despite multiple communication attempts via secure email, phone, and email with the branch manager XXXX XXXX beginning XX/XX/XXXX, and ending XX/XX/XXXX. I have fulfilled the terms of the new account bonus. Below are the terms of the bonus : BB & T is offering a bonus of {$300.00} when you open a new BB & T elite gold checking account. You need to open the account with the promo code XXXX and complete one of the following requirements : Maintain an average daily balance of {$5000.00} or more within 75 days of account opening OR Complete direct deposits of {$2000.00} or more within 75 days of account opening Offer is limited to one incentive per household Any account not in good standing, closed or with a balance less than or equal to zero at the time we review account eligibility ( between XXXX days of account opening ) will not receive the bonus All bank account bonuses are treated as income/interest and as such you have to pay taxes on them I completed XXXX direct deposits of {$1000.00} on XX/XX/XXXX, and XX/XX/XXXX, ( 53 days after new account opening ). It has now been 161 days since the new account opening and the bonus has not posted.
04/13/2017 Yes
  • Mortgage
  • Home equity loan or line of credit
  • Loan servicing, payments, escrow account
  • PA
  • 18104
Web
I have had a home equity line of credit for a few years. I opened it with a bank that has subsequently been purchased by BB & T. When BB & T purchased the bank, they split my account into 2 different account numbers : a fixed account that has the balance of my original loan, and a variable amount from which I can take additional funds. I have never taken money from the variable account. Beginning in the winter of XX/XX/2016, BB & T began applying my payments to the variable account, which has a XXXX balance, and charging me late fees on the fixed account. I attempted to resolve this at the branch and by phone a number of times. They advised me to change the account number that I use via online banking, which I did several times. Each time they have reversed the late fee and corrected the charge -- however it takes me between 30 & 90 minutes on the phone and on hold to resolve it. They have even had their collection department make harassing phone calls to collect a payment that was not late. Most recently, on Monday of this week I spoke with a supervisor who told me the issue was resolved ; and gave me yet another account number to use to ensure that payments were applied to the account with the balance. This did not resolve the problem, and I received harassing calls from their collection department again today.
05/19/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Sent card you never applied for
  • FL
  • 33073
Web
We have a small business account at BB & T. We requested a business credit line to be opened. We were advised that we were approved for two business credit lines, one of which was in the form of a credit card with a $ XXXX limimt. Unbeknownst to us, BB & T also opened SIX ADDITIONAL CREDIT CARDS IN OUR ACCOUNT WITHOUT OUR APPROVAL. We were already victims of the XXXX XXXX scandal where accounts were opened without our knowledge or approval. We were shocked to log in and find these 6 credit card accounts that we never approved or had ANY KNOWLEDGE OF! Our banker made a bunch of excuses and had no answer as to why we were not advised about these accounts. We have never received these cards and don't even know the full account numbers. We have attached a screen shot from our banking portal that shows the last 4 digits of these fraudulent cards, but don't even have access online to the full credit card numbers. We are seasoned business people and know that if we close these 6 credit card accounts ( which we want to do because we have no need of them and will NEVER use them ), that our credit score will be negatively impacted. We both have 800+ credit scores. What recourse do we have without our credit being damaged? We don't want these cards, nor do we want the available credit! We are also going to seek legal counsel.
07/05/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • VA
  • XXXXX
Web Older American
I was banking with BB & T bank for 25 years and I did some investment packages ( Thou the returns that were not were even close ), I did not make issue out of it. In 2007 at the instance of Manager I moved the XXXX mortgage to BB & T. Recently when XXXX Manager Insisted I should refinance, I decide to go with and my paper work started. My loan was approved and all the paper work is done @ the final stage someone from loan dept started sending emails insisting I should send 1 ) Internet company -XXXX XXXX credit rating 2 ) Social security benefits I drawn from SSA and statement. I have replied that I never took dime form SSA for 30 years or ever and I did not start any befits from SSA and XXXX XXXX is just internet company that provides that provides only internet services ( which I was shopping to see what is the best service in the market ). Despite repeatedly sending emails clarifying all and including other credit application those persons form the Bank never stopped -- finally I have to withdraw my application in spite of Bank saying sorry for all the things happened. I feel that Based my Ethic name all this harassment happened and if my name is XXXX, XXXX, XXXX, XXXX these questions should not arisen. BBT sent me letter mentioning my credit rating is XXXX and I'm above 99 percentile of American Consumer
12/27/2016 Yes
  • Bank account or service
  • Savings account
  • Using a debit or ATM card
  • AZ
  • 85374
Web
I have had an account with BB & T since 2014. I had moved as a result I had limited funds in the account. During my move I had experienced a burglary and vandalism which caused me to loose out on some of my income. Due to the circumstances I was in need of some money. I withdrew {$40.00} from the ATM. Approximately a week later I received a notice from the bank advising me that I needed to pay the bank {$140.00}. They explained this was because I only had {$12.00} available during the time I took the money. I apologized and explained that I was not sure what I had, however I was really glad that I had access to it being that I needed gas for my car. I agreed to pay back the {$35.00} since this was the amount I took including service fees. I explained that due to the circumstances that I had faced I did not have over {$100.00} as they had requested. I have a police report of the circumstance that I faced at the time XXXX XXXX Police Department. I also had explained that I was not aware of any overdraft fees that would be incurred being that usually when you get money from the ATM it does not give monies that are not available. I need some assistance in resolving this issue because I do not owe the bank the monies that they are accusing me of and I need for them to accept the monies that were used and nothing extra.
07/07/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • NC
  • XXXXX
Web
I logged onto my online account on XXXX XXXX to make a payment and the system blocked me. I tried to use Regional Acceptance 's IVR system and I was unable to make a car payment. I called the number listed on the screen when I got an error stayed on the phone line for an hour and then the called disconnected. I called the local office on XX/XX/XXXX. I spoke with XXXX in the XXXX, NC office he was a supervisor. He advised me that they blocked my ability to submit an online payment. I asked why he stated because they had no spoken to me, I advised him that I had not missed a payment on the account and paid online each month. I told him that by blocking my payment without cause he/his company refused my payment. I advised him that he can not report me as late to the credit bureau because I tried to pay by a method that Regional Acceptance Company allows. XXXX told me I was not past due on my account that I was 42 days past due and Regional Acceptance Corportaion does not report you as past due unless you are 60 days past due. I said that does not sound correct he assured me that it was and I would not be reported as late to the credit bureau. I told him I have a credit monitoring service and I would be notified if I was reported late to the bureaus. Today is XXXX XXXX, 2016 and I got a notification of a late payment.
10/26/2015 Yes
  • Bank account or service
  • Other bank product/service
  • Account opening, closing, or management
  • VA
  • 23220
Web Older American
THIS IS BBT BANK 'S NINTH KICK OF THE MULE AND BOY ARE THEY THICK HEADED. AT THE SAME TIME I AM A TOUGH OLE BIRD. BBT YOU REALLY ARE N'T PORTRAYING YOURSELVES AS BRIGHT AT ALL. THE CONSUMER FINANCE PROTECTION BUREAU IS BRIGHT ENOUGH TO REALIZE THAT I WOULD NOT BEAT A DEAD HORSE. YOU ARE TRYING TO SKIRT THE ISSUE BY STATING YOU STAND BY YOUR PREVIOUS RESPONSE. WELL, I STAND BY MINE! THE CONSUMER FINANCE PROTECTION BUREAU REALIZES AS DO YOU WITH YOUR FAKE DECEPTION ATTEMPTS THAT YOU HAVE AVOIDED/ NOT ACKNOWLEDGED THE FACT THAT ( IN ADDITION TO NOT REVEALING WHAT YOU DID WITH THE CONTENTS OF MY SAFE DEPOSIT BOX ) YOU HAVE NOT/REFUSED TO ADDRESS THE ISSUE OF THE SAFE DEPOSIT BOX KEYS THAT I HAVE ARE NOT THE ONES I WAS GIVEN WHEN I RENTED THE BOX AND YOU APPARENTLY ARE REFUSING TO CHECK YOUR CAMERAS THAT WOULD REVEAL WHO WAS IN THE BOX ON THE AFOREMENTIONED DATES-OH WAIT, CAMERAS CAN BE ALTERED/TAPES CAN BE ERASED. THIS CAN AND MAY HAVE HAPPENED BECAUSE THERE ARE ALSO PLENTY OF DISHONEST PEOPLE IN BANKS!! AND NOW YOUR ( BBT BANK ) SENIOR VICE PRESIDENT IS SNEAKING INTO THIS MATTER. WELL, TO HIM/HER I SAY WHAT I HAVE SAID IN MY PREVIOUS RESPONSES AND IN CASE YA HAVE N'T NOTICED I AM NOT TIRED YET-WHERE ARE THE CONTENTS OF MY SAFE DEPOSIT BOX!!! SO XXXX, I LOOK FORWARD TO ADDRESSING YOU IN THE TENTH KICK OF THE MULE!!!
02/09/2018 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • PA
  • 18052
Web
On XX/XX/2018 I received a letter from BB & T bank notifying me of a {$20.00} redeposited check that was returned for nonsufficient funds. It was noted that there was NSF/OD fees that were incurred as a result of this chargeback. I immediately called BB & T centralized operations at XXXX. They informed me that my account was assessed {$36.00} as a result of the returned check causing an overdraft. I asked to have the fee reversed, and they agreed. They informed me that I would have to take care of this at the local branch, located at XXXX XXXX XXXX, XXXX PA XXXX. The manager graciously agreed to help, however, in the meantime, the banking system updated and charged an additional fee of {$8.00} for a negative balance for over 7 days. When she tried to correct the charges, it started by reversing the {$8.00} fee that should have been assessed and prevented her from reversing the overdraft fee of {$36.00}. The system, at her level, blocked her from reversing the fees. She notified me, as per company policy, the system would only allow one complimentary reversal per 24 months. The 7 day negative balance fee should not have been assessed due to the fact that it was only day 6. She instructed me to call XXXX. They told me their system would not allow for this correction and refused to correct or escalate the matter.
05/02/2017 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • GA
  • 307XX
Web
On XXXX XXXX my purse was stolen I called the bank to shut everything off and the said I have to come in NOW however my car keys were in my stolen purse On XXXX XXXX I came into the Bbt XXXX ga branch and was told I was too late as I was told to come in yesterday. The banker, manager and tellers refused to allow me ( as an irresponsible adult ) has lost all rights to choose to close account or to choose to change banks! It was n't until I asked a customer to call police for me that they allowed me to close accounts although at no time did they allow me to actually use my hands to even touch a very large stack of XXXX dollar bills that did belong to me! I have received a call from Bbt customers service to my home on XXXX XXXX from XXXX XXXX informing me that branch managers erase their own tapes and all complaints need to be made to that branch manager. I have a police report and was told he has a subpoena for that video but was also told I 'd hear from him before the end of the week last week! I 've been in touch with Corp bb & T the y 've told me they 'll investigate and also told me to stop calling or emailing! I 've been robbed of {$6300.00} my biggest concern is this is going to happen again to someone else! PLEASE PLEASE PLEASE INVESTIGATE THIS!
12/27/2017 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • FL
  • 33065
Web Older American
In XXXX XXXX, I made an error and forgot about an automatic payment coming out of my account.. This overdrew my account ( BB & T ) - which my bank honored. They charged me a {$36.00} overdraft fee - which I felt was fair. I am on Social Security and SSI and only get my money on the 1st and 3rd of the month - which was 2 weeks away., I was unable to " fix '' the overdraft in the " allotted '' time. I was charged another {$36.00} fee. I am tightly budgeted ( I get a total of $ XXXX to live on ) and every penny is accounted for. This additional fee caused my account to overdraw again. Another {$36.00} fee was charged. In the course of about a month - I was charged a total of 10 {$36.00} fees- or {$360.00}. I went to the bank and was told that they would not reverse any of the fees. Since I spoke to them, they have charged me additional and I am now close to {$400.00} overdrawn. I went to Social Security last month and told them that I did not want my payment automatically deposited into my account. I wanted a check. I was a little over {$200.00} overdrawn at that time.. I was told this would be done. I received my SSI check but my Social Security check went into my account - reducing the money I received by the overdraft. Again, no money to live on. Hopefully, Social Security will send me a check for XXXX XXXX.
05/17/2016 Yes
  • Bank account or service
  • Other bank product/service
  • Account opening, closing, or management
  • GA
  • 30338
Web
I applied for a line of credit with BB & T in XXXX. I was denied for the line of credit and XXXX of the reasons was excessive obligations in relation to income. This makes no sense considering the only considerable debt I have is student loans. My debt to income ratio is approximately less than 9 %. My student loan payments are {$400.00} and my gross income is about {$5000.00} a month. The rep told me the threshold for DTI ( debt to income ratio ) was 36 %. I had ample room to make a payments so I believe there should have been a counter offer not a denial. I have no other debt besides student loans. I also have been approved for another line of credit recently. No bank should be denying consumer 's credit because of student loans when the payment is less than 9 % of the person 's income. Excessive obligations in relation to income should not be reason for a denial but should have been the reason for a counter offer the underwriter determined was appropriate for my financial status. According to the Community Reinvestment Act the bank is to meet the credit needs of the local community. I am certain that majority of the community has a negative net worth because of student loans. By denying the application completely as oppose to countering the bank is certainly not adhering to the community reinvestment act.
07/31/2018 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • FL
  • 33414
Web
To whom it may concern, We are writing you as we are encountering a problem with Branch Banking and & Trust Bank. This bank closed our account on XX/XX/2018 and did not notify us with sufficient amount of the days so we could take action. Instead the bank closed our business account and up to today we have not received any notification or the funds. We find incredible that in the United States financial system, the government does not control the banks business practices. It is easier and correct that the bank notify us with sufficient amount of days specially when we have an overseas company that they have decided to close business with us, so we can removed the funds and allow them to close the account. Instead, BB & T takes advantage of clients by freezing the funds and OBVIUSLY using them while they send a check or play with the funds! THIS IS NOT ACEPTABLE!!! It looks like they think we are idiots and we do not understand what is going on!! This is an abuse as they should have a limited amount to return the funds as they do not have a court order to retain my company funds. We extent our request to government officials to PLEASE fine or regulate this unfair business practices! As this bank is abusing of clients. Businnes account # XXXX Name : XXXX XXXX Personal Banker : XXXX XXXX telf : XXXX XXXX
11/18/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • PA
  • 17522
Web
On XX/XX/17 BB & T bank did two hard hits on my credit via XXXX. I have been complaining to BB & T bank since I received a report of the double hit. Finally after many inquiries to BB & T they sent me a letter admitting that they accidentally hit my credit twice for the same thing. They said that they are human and theyre not perfect. They also said that they asked XXXX to remove one of the hits and that XXXX complied by removing one of the double hits. I have a credit monitoring service which shows that both hits still show on my credit. I took that to BB & T bank to show them and two days later I received a call from them saying that corporate said that the problem had been fixed. I logged into Trusted ID and I still see both hard hits from BB & T bank. I cant get anywhere with this bank so I am asking for help proving that they did a double hit which caused my score to go down 78 points, give it take 2 points. I have done all that I can do to try to fix the problem that BB & T bank caused. And I have not got anywhere with them. I strongly feel that BB & T is purposefully lying to me regarding this matter, and I will not allow them to damage my hard earned credit score and get away with it. So Im writing you to ask for help to get that extra hit removed from my credit. Thank you Mr. XXXX XXXX
10/25/2016 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • GA
  • 30281
Web Older American
On XXXX/XXXX/16, I stopped at the BB & T Bank at XXXX, I went to the ATM, inserted my card, entered my PIN, chose cash deposit, inserted {$360.00} in cash and the machine took it and froze up displaying " transaction processing '' for the next five minutes. The machine would not give me a receipt, it would not let me cancel the transaction and took my cash. I called the XXXX XXXX number posted on the ATM and they told me to go into the branch and report that the ATM was broken. I reported what happened to XXXX XXXX and XXXX XXXX in the branch. XXXX went outside and verified the machine was stuck displaying " transaction processing ''. They advised me that XXXX manages the ATM 's for BB & T and they have no responsibility for the ATM. They called and made a claim XXXX for the missing {$360.00} but said they could not access the ATM and could request the ATM be serviced to locate my cash. I was told XXXX would come out the next day. Now they are saying the '' Fraud '' dept is handling and it normally takes 5 days for them to look into it and XXXX will not come out until Friday XXXX/XXXX/16 and I " MAY '' have provisional credit by the end of the week. I called the " FRAUD '' dept at BB & T XXXX and I was in the recorded loop for 30 MINUTES and the call finally dropped without anyone answering the phone.
04/12/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • MD
  • 206XX
Web
I purchased a vehicle from a local car dealer in XX/XX/XXXX. I immediately had issues with this vehicle and worked with the dealer to remedy the malfunctions. I purchased a warranty that I had a number of issues trying to use. The transmission went out in the vehicle and I was unable to get the repairs made from the dealer nor by using the warranty I purchased. This created major problems for me financially and emotionally. The vehicle was repossessed in XX/XX/XXXX and no payments were made after the vehicle malfunctions. This item is being reported on my credit report as a charge off transaction as of XX/XX/XXXX, this information is inaccurate, the vehicle was charged off 1 year prior in XX/XX/XXXX after the repossession. I have tried to provide documentation to support my position in the dispute process but the credit reporting agency nor the creditor has produced documents to show that this debt is not over the 7 year statue of limitations. I am formalizing this complaint on the basis that the debt is well over 7 years old and should not appear on my credit report. I contacted the credit bureau in XX/XX/XXXX, XX/XX/XXXX, and most recently today using the online tools they provide. I have also written letters to the company disputing the timeliness of the reporting to the credit bureau.
08/18/2018 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem using a debit or ATM card
  • PA
  • 17701
Web
On XX/XX/2018 around XXXX, I was trying to deposit a cash thru ATM machine BBandT branch in XXXX XXXX XXXX in Pennsylvania XXXX. However, my cash was eaten up by the Atm machine. I inserted XXXX US dollars, XXXX dollars each bill. When the money was inserted to the deposit slot, it appeared on the screen that this ATM machine is not available for deposit transaction now. My money was left inside and I tried to log on again and XXXX was not posted in my account. I called the customer 's service of BBand T that time and reported the incident. then the day after, XX/XX/XXXX, I contacted the bank manager and she told me she would file a dispute about this. Then on XX/XX/XXXX, I received a provisional credit of XXXX while investigation is ongoing. I received some paperworks and completed and signed them then submitted back to them by the bank manager. Then XX/XX/XXXX, I received a letter from Fraud and Dispute Center from BBand T bank informing me that they concluded that no error occurred in the ATM and they will reverse the provisional credit. I am wondering if they did any good inspection of the said ATM machine and checked all the cameras and transactions happened XX/XX/XXXX. They said in their final letter that transactions were checked XX/XX/XXXX, whereas my case happened XX/XX/XXXX.
05/27/2015 Yes
  • Bank account or service
  • Other bank product/service
  • Account opening, closing, or management
  • VA
  • 201XX
Web
I had a long standing credit card with BB & T that was opened because liek XXXX XXXX XXXX BB & T had pushed their employees to open credit cards for customers. It was fine, I used it for a while and then decided to stop using it because I did not like BB & T customer service or fraud protection. I let BB & T know this and suddenly my account was closed due to suspected fraud. There had not been any charges on it for months and it was being paid, so I have no idea what the " suspected fraud '' was and BB & T will only respond with nonsensical answers to that question. The truth is that most likely it was in retaliation for my conversation with customer service. I do not care about the account and had planned to close it anyway. The problem is that it is derogatory in my credit report now because it is showing a balance due and closed by the issuer -- that is a red flag and it has delayed my mortgage application. I alsed BB & T to simply remove it and XXXX XXXX of BB & T falsely claimed that they are required to continue reporting this by the Fair Credit Reporting Act. She also included letters that were supposedly sent to me about the suspected fraud, but given that there were no charges on teh account, again -- I have no idea what they are talking about. It is clearly a XXXX attempt.
01/29/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • FL
  • 32210
Web
I previously asked for documents regarding a repossession. Documents requested was an intent to sell, deficiency notice, as well as the receipts from the postal office proving they sent such documents. Flordia law require you to send certified, to be sure that you sent it. I received an intent to sell in the mail along with a transaction run down or payment history of the monthly payments made, and the addition of the sell of the vehicle with charges. The balance shown is not the balance reflected on my credit report. This company have violated my rights in several ways. First you neglected to provide proof that you sent such required documents. Second the deficiency notice is a printed out payment history of the account. It does not show me where you sold the vehicle and the true amount you sold it for. Third I requested that all response be made via this website only. Specifically stating do not call, email, or mail me anything, all responses through this website only. I received in the mail after your response the documents you provided online. Fourth you are inaccurately reporting an unvalidated debt, and balance on my credit reports. ONCE AGAIN DO NOT CONTACT ME VIA MAIL, EMAIL, PHONE OR ANY OTHER SOURCE OUTSIDE OF THIS WEBSITE. ALL RESPONSES IS TO BE THROUGH THIS SITE ONLY.
03/06/2018 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • SC
  • 29720
Web
On Friday XX/XX/2018, I made contact with XXXX trying to find out why an old account with XXXX XXXX has not been deleted from my credit as of yet. My argument with XXXX was throughout the past year, I've sent advanced dispute, debt validation request to XXXX XXXX XXXX to validate a repo debt that was being reported incorrectly showing the wrong amount. The representative stated we will reopen investigation, but could not state what the company was reporting back to them. I contacted XXXX XXXX myself by phone since they never responded back to my Debt validation letter and the representative I spoke with stated that my account was turned over to a in party 3rd collection group called XXXX XXXX XXXX and they don't have my account in their files which mean they was unable to validate the debt. I never received a call from XXXX XXXX nor or they reporting to my credit. The representative their couldn't locate my account but ask me to pay XXXX when it's reported to XXXX as XXXX. I XXXX the company information online and it's listed as a scam. I'm asking that XXXX XXXX is remove from my XXXX credit report. And I also request hat XXXX XXXX do not contact me. The statue of limitation to collect a collection debt in the state of SC is listed as three years and it's been almost 7 years.
07/08/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • VA
  • 230XX
Web
[ Case number : XXXX ] The company responded to my complaint and the result was unsatisfactory. BB & t hired XXXX which is a collecting agency once the car was taken away.The vehicle was sold at an uction. Yet, the company has chosen to seek garnishment for wages which exceeds the deficiency amount. They are seeking the originating loan amount instead. As stated : I defaulted on your payment schedule and the vehicle was repossessed on XXXX XXXX, XXXX. The vehicle was sold on XXXX XXXX, XXXX. BB & T attempted to collect the deficiency balance of {$10000.00} but was unsuccessful in obtaining a repayment agreement. BB & T assigned the account to the attorney firm of XXXX XXXX XXXX to obtain a judgment against you. BB & T obtained a judgment on XXXX XXXX, XXXX in the amount of {$10000.00} with an interest rate at 10.99 % from XXXX XXXX, XXXX until paid, cost of {$51.00} and attorney fees of {$2500.00}. First it is immoral and unethical to charge someone interest on a deficiency amount. This could be illegal. Second, the only amount I should owe is what the deficiency amount was after the sale. Third, how is a company allowed to take your vehicle for nonpayment, resell it, charge interest and then try to garnish wages for the original amount of the loan??? this has to be illegal!
10/18/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Threatened to take legal action
  • NC
  • 28304
Web
On XXXX XXXX, 2016 I enlisted the help of XXXX XXXX XXXX to help me get out of debt. I have a loan with BB & T that was at the time {$2300.00}. The proposal was that BB & T drop my interest rate to 5 % and my payments to be {$50.00} a month. Since XX/XX/XXXX, BB & T has taken my payments claimed numerous times that they have never gotten the proposal. I 've also been charged late fees and finance charges even though they 've been paid in full and on time. I 've been trying for months now to get BB & T to work with me, but all they will tell my third party company is that they are n't receiving any notification from either party which is absurd. According to my third party company, my loan amount should reflect {$2200.00}. It does not. With all the charges the loan is {$2200.00}. I rather BB & T reject my offer than play dumb and claim no one has heard anything about the issue. Since XX/XX/XXXX I 've been charge a {$10.00} late fee 3 times and a finance charge of {$32.00}, {$37.00}, {$32.00}, {$34.00}, and {$36.00}. How can they expect me to pay off my loan if I keep being wrongfully charged and ignored? I 'm paying them and yet they want to send me to collections, wo n't stop calling me daily to the point I 've had to block the number. Meanwhile my credit score is plummeting.
03/06/2019 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • GA
  • 30260
Web
I am reporting to that I am a victim of Predatory lending. In XX/XX/XXXX, I got a 2nd mortgage from BBT to pay off my large balance credit cards and to consolidate all the charges. All my credit card payment was returned by the BBT and I was charged insufficient fees with each return draft. I went to BBT to inquire why my payments was not honored. I was informed that I did not transfer the funds from the holding account to my checking account. I corrected the error and resubmitted my credit cards payments. On XX/XX/XXXX I was notified by the credit card company that my payments was returned for the seconded time and was charged fees by the credit card company for the non-payment for the 2nd time. The funds was and still is in the checking account so I don't understand why these charges was not honored. I spent many hours calling BBT and the credit card company to figure out why my payments was returned. The out come was no resolution. I am almost XXXX years old and trying to pay off most of my financial obligations. My recent evidence based BBT encounters seem like that I am been penalized when I try to decrease my debt. I thought I could use my home equity to get this done. I am getting the feeling that these BBT variance is to make me lose my home and keep me in debt.
11/19/2016 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • NC
  • 28806
Web
I had banked at BB & T for years. Recently for the past 2 years I have been ripped off multiple times by this bank. I had XXXX checking accounts. XXXX with my debit and XXXX that was strictly for paying my bills. I calculated my bills rounded the amount to the next dollar amount and transferred the funds. My account was exact and was perfectly balanced at ALL times. Until XXXX and a charge BB & T could not explain to me occurred. Causing a avalanche of XXXX charges. The banker I was accustomed to dealing with apologized that other workers at the bank could n't play fair? I got no refunds back leaving my accounts both in the negative. Prior to this most recent XXXX from BB & T I would make a online payment for lights, car etc and the money would be in the account, but instead of crediting the funds to my account XXXX they did the debits and payments causing the XXXX fee. I would say that in the past 4 years I have paid over XXXX in fees to BB & T. I was also told by # XXXX banker after going into the local branch to discuss XXXX of the above occurrences " Sorry you got caught in ITS cross heirs! '' Needless to say I changed bankers and have now changed banks. I feel that practices by BB & T are fraudulent and unjust. It also seems it has happened to ALOT of others as well.
11/14/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • NV
  • 89141
Web
I had an auto loan with BB & T. That is who the car dealer went through I suppose. Last month my bank ( XXXX XXXX XXXX ) wanted to take the loan as I do all of my other business with them. All the arrangements were made, received the payoff amount and the deal was done. XXXX paid off my loan with BB & T and took over my loan. I received a refund check from BB & T around XX/XX/19 for over payment of the loan in the amount of {$13.00}. Soon after that, I received the verification letter from BB & T stating that my loan was paid off. This letter was dated XX/XX/19. On XX/XX/19 BB & T took another payment of {$490.00} for my loan that was already paid off. I tried calling them but the contact numbers that they have listed are almost impossible to navigate to a real person. Spent about an hour and a half calling and trying to get through to someone. I started posting on their XXXX page what had happened and got a response from a XXXX. She had said to send an email to them ( and gave me an email address ) with all of my information. I sent it and have not heard anything from them. This is my money. I consider it theft. They took money that did not belong to them and I would expect that they would get it it reversed just as fast as if they would have made a mistake in my favor.
02/03/2016 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • MD
  • 20874
Web
Fees charged are excessive are fraudulent. BB & T sent an email showing an item was unpaid, it was a CC payment. Looking at the statement it showed that another bank had removed funds and it failed by a few cents. I immediately put in another CC payment for a lesser amount so that the bill was paid on time. That transaction also failed so once again I put in another payment, that XXXX failed also. Come to find out the original email was wrong, the XXXX item was paid. This caused fees to rack up and for me to suspend any future deposits to the account. When I sent BB & t a message regarding these failures on I did n't receive a reply until weeks later and it was a typical canned response. I do not understand why you ca n't do the right thing for your customer and work with me. Also please communicate via email or if you must via postal mail. I do not have time to do the run around on the phone as I have a XXXX month old daughter that I am taking care of. I attempted to resolve this with them but they are n't budging and have reported the account to XXXX. All that was needed was a reversal of the fees charged, this is n't money they earned its ridiculous fees they made up. Had the original message been correct then the other fees would n't have occured in the first place.
10/31/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • CO
  • 80239
Web
On XXXX XXXX XXXX, i did a pay off online for my auto loan. The amount was {$23000.00}. It was accepted successfully, and posted on XXXX/XXXX/XXXX. They closed my account as paid off, i received a payment confirmation statement and email. I never received the title. They called me XXXX and said that i owed on the account i made them aware of the pay off. They said it was returned as an invalid account. I spoke to someone else and they said the account has insufficient funds. I spoke to someone else and they said that because it was a pay off, i had to send certified funds via the mail, or pay in person. On XXXX i went into the corporate office for XXXX XXXX XXXXnd spoke with the manager XXXX XXXX. I paid via check. I once again received a receipt for my payment, and the account ledger showing the account settled. The amount that i paid that day was {$23000.00}. I followed us, and they emailed me the ledger showing the pay off. As of today XXXX my account still shows a balance. I once again tried to pay online. I received an approval confirmation. I called tele-check and they do not have any negative information in the system under my social security number. There are no returned checks in the system. They told me to continue to use this checking account for payments.
08/31/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • TX
  • 78412
Web
I spoke to Regional Acceptance company on or around the XXXX of XX/XX/2019 and explained I had lost my job in XXXX and was having financial trouble, The woman offered me a 2 month deferment, and said it would be for XXXX and XXXX, I told her i had already sent in a partial payment for XXXX she said that would be credited for XXXX, and the remainder would be added to the bill after the two months of XXXX and XXXX where i would receive a bill XXXX instead of the XXXX. I told her that would be fine. I received a notice from credit monitoring that I had a new derogatory remark on my credit of 30 days late. I call regional acceptance today and they said I had no deferment and that I missed my XXXX payment. I asked for a supervisor, a supervisor then told me they had mailed me a letter that I had to sign and they never got it back, and that I was never given a deferment, that i had only made a request for one. The person i talked to in XXXX, never said i was applying for a deferment, or that any paperwork needed to be fill out, she plainly stated she was giving me a 2 month deferment, When I complained to the supervisor, he then only offered a one month deferment if I sign some papers and send it back and that he would not remove the 30 days late on payment from my credit.
07/16/2015 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • AL
  • 366XX
Web
I opened an account thru my work place and the agent on site stated that there would be no monthly fee because of who I worked for. After a month or so, after reviewing my statements, I was being charged a monthly fee. Also, I overdrew the account and was charged numerous bank fees which cause the account to go more into the negative and the bank closed out both my accounts.The fees were ridiculous and I made certain that I spke with the on-site representative about charges as such before I opened the account. What the representative told me and what actually happened what XXXX totally different things. I went to local bank to explain and the agent in the bank was very nasty and negative with her responses. She kept making the statement, " You People '' which was very degrading and she did absolutely nothing to assist me with the account. She gave me a phone number and told me to call " once I left their bank and make '' and she was sure that they would make " some kind of Arrangements '' for me to pay what I owed. SHe never acknowledged the fact that the agent that was onsite at my work lied. She never offered to go over the balance with me to explain how my account resulted in such a negative balance, and she spoke to me as if I did not even belong in their bank.
06/21/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • VA
  • 22015
Web
I have a home improvement loan with this company since XXXX XXXX, 2015 and this is a interest free loan for 18 months. This was approved by XXXX XXXX. I am suppose to pay BB & T {$250.00} per month for 18 months. This amount is suppose to be applied to my principal. After 18 months I pay the remaining balance. I have been paying {$250.00} for the last one year. BB & T has been sending me statements stating that only {$9.00} go towards the principal and the rest {$190.00} goes towards the interest. I have contacted the company in reference to this issue many times and they state that they can not do anything. This is the way the statements are printed. On XXXX XXXX I spoke with the manager ( XXXX XXXX ) and she promised that she will investigate it and call me back. It has been a month and I have not received any response yet. I had notified the sales rep from the contracting company ( XXXX XXXX ) who had offered me financing through BB & T home improvement. I had notified the accounts payable manager and told her that the consumer should have a clear statement of what the client has paid and what they owe at the end of the term. This is unacceptable. The contractor was notified that they should not use this company anymore in order to sell their product.
06/20/2018 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Non-sufficient funds and associated fees
  • VA
  • 23061
Web Older American
On XX/XX/XXXX at about XXXX XXXX I made a debit card purchase of {$6.00} leaving a balance of {$0.00} in my checking account. Got email alert that my balance was low {$0.00} at about XXXX XXXX ... checked my balance around XXXX XXXX on XX/XX/XXXX the bank app had me overdrawned for a {$10.00} ACH and an overdraft fee of {$36.00} and a direct deposit of {$480.00}. I called the bank around noon on XX/XX/XXXX and spoke to a customer service rep who only said that the fees couldnt be reversed and that my accound was overdrawned on the 18th. I told the rep that if if was overdrawned on the 18th then why was I abled to make a debit card purchase using my pin on the 18th ... no reasonalbe respond, just that the fees could not be reversed. My complaint is simple ... .the banks are making money on its customers when they can charge a {$36.00} overdraft fee for a {$10.00} overdraft, the acount has a history of continuing bi-weekly direct deposits which had to be in their system on XX/XX/XXXX when the {$10.00} ACH came in so they knew that the money is or will be there credited to my account. This bank has a history of swindling its customers out of their money for excessive fees. The results Im looking for is the rescinded of the {$36.00} overdraft fee. thank you ....
07/07/2015 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • TX
  • 778XX
Web
BB & T claims that I am months behind on a loan, however, they have not provided me with loan documents, proof that this account is even mine. Only generic statements which have been e-mail directly from a processor ... When I attempted to add this loan account to my BB & T online profile the system claims that the account does not exist and although they claim to be mailing " demand letters '' and statements to me directly, I have not received a single piece of paper mail from BB & T AT ALL since the purchase of my accounts from XXXX ... I have closed all other accounts and was told by the loan officer that my ENTIRE balance due was deducted from my withdrawals and that should have been an end to it ; however, they still claim to have an additional line of credit that I do not have any knowledge of, is claimed to have been opened at a branch during a time I lived in another part of the state and they can not produce a single shred of evidence that it is mine. If I have a line of credit, I would like to have access to it, I 'd like to have it linked to an account or profile where I can manage it and monitor it and take advantage of the product as opposed to simply send money in the mail to voices on the other end of the phone who are demanding I do so ...
05/25/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 32210
Web
I reached out to the company to check the status of the account. Due to the account reading differently on all credit reports. Stating that it is a charge off/profit loss/write off/ sold to collection agency. The representative told me that the account was still with them and tried to receive payment. From my understanding if the account was written off/profit loss. The debt had been paid in full to them and that i would now owe the collection agency XXXX whom they sold the debt to on XX/XX/2018. During this time RAC reported to the credit bureaus that I owed them XXXX XXXX.Even though they no longer held the contract. While going over my contract i noticed that no where in the contract i gave them permission to share my information with a third party. It states that all collection activity would be from RAC. This is a breach of contract. Also if the account is still with them it should be listed as closed with a balance. Not as a charge off/ write off/sold to collection ; along with a balance. This violates my FCRA for inaccurate reporting. Also the company violated my cease and desist request by contacting me through the mail along with XXXX contacting me through the mail, when told not to during a previous CFPB complaint. This is also a violation of FCRA.
01/19/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • NY
  • 11710
Web
I can not begin to tell how frustrated I am. For the last 3 years I have been affected by health issues related to multiple back conditions. These conditions impacted my ability to continue to earn a living.. My family and my performance suffered. XXXX I was diagnosed with XXXX .I tried to avoid XXXX to no success. I began to default in my mortgage when the condition preventing me from XXXX etc.. XX/XX/XXXX I had no other choice then to have the XXXX. I was out of work I spend four months recovering. I return to work XX/XX/XXXX. Shortly after I was laid off.. I immediately continue to panic and provided a request for a loan modification from BB & T. XX/XX/XXXX I receive correspondence that they are unable to continue with a loan assistant option based on evaluation performed in accordance with my loan investor/insurer guidelines FHA/XXXX. This is my primary residence. We want to keep my home. I defaulted due to circumstances beyond my control. Understand that I would have not have gotten to this point If I had not experienced the medical hardship. These were circumstances beyond my control. I am now able to make payments on my mortgage. I am requesting my file be reviewed. I am providing a full financial package again with all updated documents. Thank you
03/13/2019 Yes
  • Money transfer, virtual currency, or money service
  • Refund anticipation check
  • Unexpected or other fees
  • SC
  • 297XX
Web
I received a check from BB & T datedXX/XX/2018 as a refund for an overpaid medical bill. Check number : XXXX for XXXX was issued in my name. I cashed the check at a local convenience store and about a week later the owner contacted me and indicated the check had been returned. I contacted BB & T to determine the issue with the check and was advised that the check was valid and should have gone through. Well, it did not and I was told by BB & T to give it some time and have the owner try to deposit the check again. He did and again it came back returned. After weeks of going back and forth with BB & T and the owner, I have finally reached my limits. I later learned from BB & T that they put a stopped payment on the check but was never told why. BB & T did confirm that the funds were good and that I should have been able to cash the check but that I should have cashed the check at a BB & T branch. I ended up having to pay the owner of the convenience store out of my own pocket to cover the check and have yet to be reimbursed for the XXXX by BB & T. I was told by a BB & T rep that I needed to write a letter stating what happened and send to their office to be reimbursed. At this point, I have lost all faith in BB & T and just want the XXXX refunded back to me.
06/27/2017 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • FL
  • 33470
Web Older American
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX To whom it may concern ; I opened an additional checking account at BB & T ; XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX on XXXX XXXX 2017 ; Senior Checking-MM XXXX and because of a typo in the social security number caused by the Bank the account has been closed. Before and after the account was closed BB & T accepted three deposits totaling {$2000.00}.

I received a letter stating ; Our records indicate you recently opened an account ( s ) with BB & T. Upon further verification and review or the information you provided, BB & T has determined it is necessary to close the above referenced account ( s ).

My attempt to retrieve my money has continued for over a month. I was told that if I went into the branch ; which I did two weeks ago, and provided a social security card and drivers license, I would get my funds. I showed up at the branch, and was again denied access to my money. My drivers license and social security card were copied. And someone said there would be a {$25.00} fee to close my closed account.

Therefor ; I am making a claim for my funds in the amount of {$2000.00}.

Thank you for your time with respect to this situation.

Sincerely XXXX XXXX XXXX XXXX XXXX

12/15/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • SC
  • 298XX
Web
I purchased my mortgage in XXXX XXXX. I XXXX my husband applied to get a mortgage in his name. The same property and the same d the mortgage company, BB & T. Everything was going good until a few days before closing and the mortgage company called sayig that they could not do the loan because our home was not attached to the piece of property. I called and the loan officer did not think that the company already carried the mortgage. I gave him my account number and he quickly got off of the phone. Later that week I received an email asking if I could provide the vin number because the bank could not pull the correct title. I did not give the vin number. I went to the Dept of Motor Vehicles and found out that my home had never been titled in my state of SC. I proved the squatter law and had a title issued in my name to me. The mortgage company put us in default for not attaching the home to the land. We recieved the first XXXX XXXX in XXXX XXXX and then we didnt recieve anything until XXXX XXXX for a final decision hearing. We went and proved the bank wrong but no one would listen to us. The Special referee ruled in favor of the bank and we went to forclosure auction on XXXX XXXX, XXXX. I was the highest bidder but now I have to pay my bid to save my home.
10/04/2017 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • FL
  • 32092
Web
During the hurricane Irma, from XXXX thru XXXX We did n't have internet service to access on my BBT account. The mobile app shows error all the time. I lost counting how much money I have on account and the first fee come on XXXX, I went to the bank and I ask them to freeze the account because I do n't have money on my saving to transfer and cover the balance. It was lips service that they will do something. I am old customer from XXXX and I forgot that I have overdraft protection. They charge me for overdraft protection but I do n't have benefits from that, looks like double dipping. From that first overdraft fee I was NUMERUS time to ask them if they can do something to stop that account collecting charges and fees. I explain to them that my business is under construction it does n't make money like in normal days, I am divorced I have a small child and it is happened that I am tight with money.I try to cancel everything what is connected with that account and still pop-ups some charges, the situation is ongoing, every day the new fee is coming and I cant stop them.ThXXXX more they coming, the more I am falling in hole.The XXXX does n't budge works for them, why to stop. I have to mention that XXXX is my second language and I apologize for mistakes.
02/07/2017 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 752XX
Web
After review of my report I have made several efforts to have this account removed through the credit reporting agency. I took steps to freeze all my credit reports and file a police report to protect my name. The company has decided not to communicate with me over any of my requests that have been submitted. These accounts I have no Knowledge of the account that the reporting company has on my credit reporting account. I have repeatedly attempted to remove the account an the company and the credit reporting agency has not contacted me. According to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account. With in 30 days.
09/28/2017 Yes
  • Checking or savings account
  • Savings account
  • Closing an account
  • Company closed your account
  • VA
  • 23502
Web
In XXXX 2017 I went to the BB & T bank in person to open a savings account. I sat down with a XXXX XXXX filled out all the necessary paperwork and provided all my personal information including my social security number, an account was placed and set up in my name XXXX XXXX XXXX, the total amount of my deposit was {$30.00} dollars, I explained to the XXXX XXXX that the XXXX dollars was valuable to me especially a {$5.00} bill that had three XXXX in it, I had saved that {$5.00} for approximately one year while being homeless. Also the other {$25.00} dollars was given to me from my daughter who I had been separated from for approximately 12 years wit only 2 small visits and was reunited with her in XX/XX/XXXXas you can see it is clear that I wanted this deposited money to be protected and safe in a account, no matter how small the amount.. I left the bank happy with an account. A few days later I went to make a small deposit at the drive through window and was told that the account was frozen and that I could n't make any deposits, to call a number ... a few days later I received a letter from BB & T stating that my name was in XXXX XXXX and that the bank has closed my account. My account has been closed with no check for my valuable {$30.00} dollars ...
05/28/2015 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • MD
  • 21740
Web Older American
This complaint is about Susquehanna Bank. On XXXX XXXX, I opened a checking account with Susquehanna. At that time, I DID order checks, as is usually the case when opening a new account. Ten days later and AFTER emailing the branch manager ( who did open and receive the emails ) I learned that the checks had never been ordered. I called the branch manager who did not return my calls. I called the region manager who failed to return my calls or emails and who could not be found by her staff. I called the VP of retail operations and he said that he would take care of it. Then he called back and said that he was closing my account immediately on XXXX XXXX. He claimed that I had worked my way up the chain of command and he did not accept that. I expect the account to be reopened, checks to be sent to me and my debit card to be reactivated. I should note that my SSA deposit is due to be made on XXXX XXXX and the account must be open to accept it. The Retail operations VP ( XXXX ) refused. I have had to pay an attorney to contact The banks general counsel who failed to respond to his calls and emails. I also contacted the President, XXXX XXXX and his superiors at BB & T which is acquiring the bank. No response I should note that I am XXXX under the ADA.
09/18/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NC
  • XXXXX
Web
I checked my credit report and XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX reports that I am delinquent. This matter was part of a bankruptcy filed in XX/XX/XXXX and discharged in XX/XX/XXXX. XXXX reports delinquency ever so often to ruin my credit. It is well past the statutory 7 years for XXXX make reports, XXXX is maliciously making a false report. I called XXXX who took it off my credit report. XXXX suggested I call XXXX. I called the bankruptcy department XX/XX/XXXX and the woman I spoke to wanted my phone number and told me this was the wrong department that I had to speak to the credit reporting department they would call me back. I waited several hours and I called again this time a different woman asked the same questions and said the woman I talked to is on the phone only she can handle your question. I told her what I was told regarding the credit reporting department. She said there is no credit reporting department that the woman I spoke to would call me back. When the woman did not call back I called their customer service number and was told there is no credit reporting department I must talk to bankruptcy department. I said why did that woman tell me there was a credit reporting department and did not help me then?
01/10/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • FL
  • 32305
Web
On XX/XX/XXXX I purchased/financed a XXXX XXXX XXXX XXXX XXXX through XXXX XXXXl for {$21000.00}. On XX/XX/XXXX I place the XXXX for sale on the internet. On XX/XX/XXXX I was contacted via phone/text by a person claiming to be XXXX XXXX from XXXX XXXX LA. After agreeing on a sales price of XXXX XXXX XXXX advised me that all he needed was the VIN # of the vehicle and his bank can wire the payoff to XXXX XXXX. A few moments later I checked my XXXX XXXX account and it reflected a {$0.00} balance and that the loan was satisfied. That night XXXX XXXX set up a transporter to pick up the XXXX. I called the next morning on XX/XX/XXXX and spoke with a XXXX XXXX representative and she confirmed the payment and advised me that the Title would be available in 20 days and confirmed my automatic payments where discontinued. On XX/XX/XXXX I was contacted by XXXX XXXX and was advised that it was a scammer and a false payment and that the full amount of {$17000.00} was still due and I would be responsible for paying it. XXXX XXXX has a legal responsibility to protect there consumers from fraud and recognizing false routing numbers and account numbers. I have filed a report with my local law enforcement and I am seeking for the loan to be forgiven and satisfied.
06/13/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • MO
  • 63136
Web Servicemember
I have been making payments on this Auto Loan through the XXXX XXXX XXXX XXXX XXXX for several years. For a used XXXX XXXX XXXX. The payments are {$550.00} per month which have recently been a struggle since the XXXX of my son XX/XX/XXXX and also a loss of employment on my end. My payment history confirms I still make payments monthly even with my hardship. And I have attempted to make arrangements with the company. The most I have received was 1 extension offered after several attempts to make arrangements for payment. My Balance has not been reduced since the finance was approved. I am told that I can not apply for further extensions based off my payments made. I can not change the due date. I have a ridiculous interest rate and late fee logic that ensures no payment will touch principal. My due date assigned is XX/XX/XXXX of month so it is impossible to catch up on billing before another bill generates and the company uses this to take advantage of sending threatening cure and repo letters which from the way they are dated coincide with dates I make payments. Company has also blocked me from making electronic payments via web or phone and advised I can only mail payments in a effort to use my hardship against me in order to cure my account
01/31/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
  • VA
  • 23456
Web Older American
There are five steps to submit your complaint : Step 1 : What is this complaint about? BB & T no longer offer cancel check to owner of account. Step 2 : What type of problem are you having? I need canceled checks from XXXX and early XXXX to prove I paid taxes on my home for XXXX County. Step 3 : What happened? I have called my branch at least four times and the main office at least 7 times today, no results. I called the local branch and spoke to manager and the main office in NC and was told I should check by check stubs to see what number ( s ) represent the check ( s ) needed. I need canceled check for XXXX XXXX. I was informed by main office if they pulled the checks it would be {$7.00} per check. Another representative at main office advised that I go to BB & T Research Dept. but it would take them a long time to find my canceled checks BB & T changed there reporting system which does not include cancelled checks for customers at the end of month. Step 4 : What company is this complaint about? Branch Banking & Trust Step 5 : Who are the people involved? XXXX XXXX, XXXX Bank Mgr Customer Service/main branch XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX XXXX Acct XXXX / XXXX I WANT COPIES OF ALL CANCELED CHECKS
03/19/2017 Yes
  • Mortgage
  • Home equity loan or line of credit
  • Credit decision / Underwriting
  • PA
  • 180XX
Web
I applied with my fiance XXXX for a home equity line of credit with BB & T Bank on two separate occasions. We were verbally turned down twice ; stating since XXXX was not on the house mortgage loan, she did not qualify as a co-borrower. We never received any official turn down letters and it has been well over 30 days. On one occasion we were told we could not afford the payments for the amount requested, we then lowered the amount of the loan only then to be told that XXXX did not qualify as a co-borrower. We were told because XXXX is not on the mortgage, that she could leave and I would n't be able to make the payments. At one point, BB & T asked XXXX to provide a utility bill to prove she actually lives at the residence, even though she has credit accounts, a drivers license, pay stubs, and XXXX all showing our address. I have called many banks and asked if a co-applicant could go on the home equity loan, while not being on the mortgage or deed, and have been told its permitted. We both have excellent credit and are not sure what the real reason is for not being approved. By law they can not turn us down because we are n't married, and XXXX hopes it is not due to her being XXXX. We are concerned that it could be one of those two reasons.
03/17/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • DE
  • XXXXX
Web
I want the " late payment '' changed to " current '' on all credit bureaus. This is what happened : After speaking with a representative of XXXX XXXX, XXXX XXXX, on XX/XX/2018, she sent me the wrong payment contract ( see attached ). A week later, another representative called to inform me that XXXX XXXX sent the wrong contract. I reviewed, signed and sent back the corrected contract ; however, it was too late because XXXX XXXX had already reported to the credit bureaus that my accont was late ( XX/XX/2018 ). I was devastated as I worked very hard to bring my score up to XXXX over the past year and a half. I contacted the company to correct a " late payment '' to " current '' after having a conversation with VP of Center Manager, XXXX XXXX. He informed me that this issue would be corrected. It was corrected within the company ; but, not with the credit bureaus. It is reporting as " late payment '' on my credit report and caused by score to decline from XXXX to XXXX ( XXXX ) ; XXXX to XXXX ( XXXX ) and XXXX to XXXX ( XXXX ). As you can see, this late payment has seriously harmed my credit score due to an error on their part. I sent a certified letter to XXXX XXXX explaining above and they still refuse to correct this issue.
04/05/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • DC
  • 200XX
Web
I have prepaid my BB & T mortgage ( which my mortgage agreement allows ) to reduce the principal amount due over many years. I recently was informed that my additional payments were placed in an suspense account that BB & T could use for their purposes and they were not credited toward the principal reduction on my mortgage loan. When I review the past 6 year accounting its obvious that BB & Ts accounting for mortgage over-payments is inconsistent and unscrupulous to the mortgage loan holder. In fact its fraud since my mortgage does not have a prepayment penalty and every retail bank loan officer assures customers that excess loan payments will automatically be credited towards a reduction in principal. I have tried to communicate with BB & T over the past 2 months to no avail. If there is anyone trying to pay down their mortgage before retirement or to reduce the mortgage loan term with BB & T consumers should be very wary! This is time sensitive since BB & T plans to merge with XXXX and I suspect consumer mortgage records may be purged. Perhaps the merger should be blocked until a thorough review of their accounting of additional mortgage payments is reviewed for proper payments of reductions to mortgage principal payments.
02/24/2016 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • MD
  • 217XX
Web
On XXXX/XXXX/2016, I received an email from by banking institution which is BB & T bank. It stated that I over drafted my checking account. I thought this could not be possible as I had {$1600.00} in my account and my federal tax refund coming in at the same time which was over {$3000.00}. Upon calling BB & T, they stated that yes in fact I did have {$1600.00} in my account in the XXXX of XXXX/XXXX/16 however, their system pulls all debits first and then posts the credits to the account. Even in the debits and credits hit the same day, the debits are always pulled first. Therefore because I had all of my bill pay items hit on XX/XX/XXXX, my account showed a negative first because the tax refund hit my account after all the debits are posted even if it was the same day. I am so frustrated with BB & T. This is just a way for them to make {$36.00} from someone who has way more funds in their account than what they are spending. I feel like the need a 24 hour hotline just so you can call and make sure your purchases the night before wo n't exceed your direct deposit in the morning. I never thought I would get an overdraft fee at the same time when I have {$4800.00} sitting in my checking account. In some way this has to be fraud.
02/24/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • TX
  • 76110
Web
I called the finance company after my vehicle was repossessed. They did not care that the tow company damaged my car. I explained that the agent hit the fence with the vehicle and that there was damage to the vehicle on the passenger side and they drug a hugs log under my car. The manager XXXX as he called himself talked over me, cut me off when I was talking. Granted I was upset because the issue was that the company they hired damaged my vehicle and the finance company did not care. But when I picked up my vehicle it was covered in dirt ( my car was clean before they took it ) so I could not see the scuff marks, scratches and chipped paint until I took it to get washed this is on the driver side door where he hit the fence. I had already filed a complaint with the tow company after they picked up the vehicle. I filed a complaint with the tow company after I had it washed to let them know of the damages and they have not responded. I let them know I will take my vehicle to the dealership to see if there is any damage underneath where the agent drug my vehicle of a log that he had to go under my car to remove. The issue was not about my vehicle being repossessed it was how it was done and damaged. I need my vehicle repaired.
11/10/2016 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • MD
  • 21204
Web
I recently re-opened a checking account with BB & T to go with the savings account I had with the bank. When I opened the account, I linked my savings account to the checking account for overdraft protection. I deposited the funds and used my debit card as normal. A few weeks ago I need to make a purchase with limited funds in the checking account. Mobile banking and online banking would not allow me to transfer funds from savings to checking to cover the transaction. A few days later, after all of my pending transactions posted, BB & T charged me several overdraft fees though I had overdraft protection. There was no real explanation given. I was charged nearly {$370.00} in overdraft fees though I had the funds in savings to cover all transactions and had overdraft protection. When I spoke with bank associates, I was told that they can only credit one fee ( which they did and later reversed ) and that my checking account was dormant though I had made deposits and withdrawals from the account at a branch. I understand paying for overdrafts if the bank pays for something for a person ; but if the person has the funds in a linked account and opts into overdraft protection, the person should not be charge such insane fees.
01/06/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MA
  • XXXXX
Web
XX/XX/2019 my wife and I were not working so we asked BB & T for a loan modification which they agreed. We were paid up to date in XX/XX/2019. We paid 3 years without being late once. We paid the reduced amount in early XXXX for XXXX payment. We paid the reduced amount in early XXXX for XXXX payment. We paid full amount in early XXXX, and full amount in early XXXX. We were never told that BB & T would report our mortgage as late as we were paying the agreed upon amount. We ended up with a 30 day late in XXXX, a 30 day late in XXXX, 60 day late in XXXX, and 90 day in XXXX which does not make sense. The full amount we were supposed to pay was approximately {$1500.00}. The agreed upon reduced rate was approximately {$1200.00}. We paid {$1200.00} for XXXX and XXXX. So even if BB & T was correct in reporting us late, it should not have been all those times. {$1200.00} for XXXX and then {$1200.00} in XXXX is more than enough to make a full payment for XXXX, then another {$1200.00} in XXXX should make XXXX paid in full as well. XXXX and XXXX were full amounts so they should have been considered on time. BB & T is saying we paid XX/XX/2019 90 days late when they had the money in full for XXXX, but didn't not credit our account.
10/11/2017 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Trouble during payment process
  • GA
  • 30034
Web
XXXX XXXX XXXX my Husband passed away XXXX-XXXX-12 and had a loan with BB & T Bank for XXXX i went to the bank when he passed away a took the right papers and XXXX certificate. the teller told me to just contiue to make the payments. He did not ask for a Executor of estate. just make payments so i did but i missed 3 payments over the five yrs due to takeing out a loan to put a roof on the house and gutters to keep the basment from flooding and a hot water heater .over the yrs and i work for XXXX . that 's saying a lot. but for me it has been a struggle but i have gotten the loan down to XXXX pluse know they say i owe for miss payments i tried to go in and make a payment but they would not take my payment back in XXXX they ask me to get so the executor of estate but know they what me to finish paying the loan off and the taxes and insurance on the loan. my husband had credit cards and he put windows in the house that he was paying for and they wrote that off when i sent them the XXXX certificate .And my name was not on that loan.but they wrote them off. and i did get the exector of estate my husband had nothing in his estate .he XXXX suddenly, the bank loss the paper that i gave the 5yrs ago. our house was already paid off.
07/11/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • PA
  • 17202
Web
In XXXX XXXX I got an auto loan from Susquehanna bank. After making several payments, Susquehanna sent an incentive to " skip a payment " for the holidays. I paid the {$30.00} fee ( interest payment ) and was everything was fine, my next payment was due the following month. I continued making my payments. Fast forward to XXXX, when BB & T buys Susquehanna. I begin receiving letters that I 'm behind on my car payment. Then my credit is hit 3 times in a 90 day period, saying I 'm delinquent 90 days. The local branch shows all my payments are current but corporate is showing different. Because of the buyout, I can no longer access prior bank statements, only corporate can. I was told by local branch it was a bank error and they would be in contact to fix everything. After a few days with no phone call, I called the collection dept that keeps sending letters. I was told because BB & T does n't do skip a payments, they do n't honor them, even though Susquehanna offered these. So I was told they will continue to hit my credit and send letters til it is brought " current ". How is this legal? This was an incentive offered by the bank BB & T bought. At this point, it 's looking like I 'm going to have to get a lawyer involved.
10/31/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • TX
  • 758XX
Web
Regional Acceptance Corporation effected a predatory loan against me, charging me both 18 % Interest as well as Compound Interest. I requested assistance with my XXXX Payment when my pay was affected by my reportage of VA Violations to Congress in XX/XX/XXXX. My original loan was eliminated and I was charged XXXX per month. In lieu of working with me they used my good faith against me to charge me more, when I made a legal good faith payment as I could not afford to continue with the XXXX Payment .XXXX XXXX of the Regional Acceptance Corporation office in XXXX Texas CLOSED my XXXX account, disabling my ability to pay, reported my account as 'Charged Off '' on My Credit Report. When I complained to the State BB & T their general insurer Responded in a Letter and via the internet stating that they would NOT refinance me nor would they repossess my vehicle. Unable to live with this situation I returned the vehicle in a Voluntary Repossession XX/XX/XXXX In XXXX Texas. I desire that all record of this company and their " debt '' be deleted from my credit report. I also want to seek damages via their General Insurance Provider, But BB & T refuses to give me a copy of their General Insurance certificate as of this writing.
12/11/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • GA
  • 30260
Web
I received a letter form regional acceptance corporation responding to a claim I filed and the information that was documented on that statement of them responding to my claims is all incorrect and lies. I have a voicemail when the recovery guy called me 1 time and I called him right back and gave him the address and information about the vehicle. On my emails that I sent them informing them to come pick up the vehicle had the correct address XXXX XXXX XXXX. I had previously taken insurance and registration off this vehicle in XXXX as I havent driven it since XX/XX/2019. XXXX XXXX called once on XX/XX/2019 and came and picked up the vehicle in that said location that I informed regional acceptance corporation maybe two month prior the location of the car as the car hadnt moved. These are lies and I ask that this car be removed from all of my credit reports and the late charges that they have filed on my report. The information is incorrect in this letter and we can pull the files from speedy recovery to confirm with him that he only called once and only left one voicemail as I addressed and called him right back the same exact day upon getting the voicemail. If I can get a email address I can send over the voicemail.
02/16/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • PA
  • 18301
Web
I had a mortgage and a Home equity loan thru XXXX and it was bought out by BB & T and has been nothing but problems and I received several late fees on an extra account that I did n't know I had. My payments have changed and the terms of my loan have changed and they stated there is nothing they can do about it. I did not sign anything to acknowledge any of these changes just that my prior company has been bought out and nothing will be changed but where I send my payments. Unfortunately this could n't be further from the truth. My mortgage payment changed nearly {$300.00} more and my home equity loan has another account which I owe another separate payment on which I had no idea I now have XXXX accounts. I tried getting this rectified and I am told they can not just keep it as one account and any time I want to borrow money again from my current home equity loan it will draw from that other account as a cash advance and I will have 2 monthly payment which is not what I agreed to per my original contract. This has to be fixed. No one ever calls back and when they do they have no idea why they are calling and no recollection of any of our previous conversations which I always save on my phone. Please Help, thank you
09/01/2016 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • AL
  • 350XX
Web
My bank BB & T has charged me an unfair overdraft fee of {$72.00}. I call this stealing. My checking account had enough money to cover XXXX small charges I used on the evening of XXXX. Later that evening around XXXX I received several texts messages my account was overdrawn. The next day I viewed my account. XXXX ( Available balance now over XXXX ). There were XXXX pending bills I wanted to Que up for processing as early as possible. ( Most take over 2 days ) The bank put the status of these XXXX payments ( pending for a few days ) as pending, then added the other XXXX from XXXX also pending, causing me a problem. On XXXX all XXXX pending payments WERE STILL PENDING. ( Meaning no one has taken my money yet. It is still in my account ). At the very least they should have processed my XXXX smaller debit card purchases from what money was there. It would have costed me much less, but no. I have noticed the largest payment is made first as if trying to overdraft as many smaller payments as possible. I feel this is very unfair to the average consumer and I think new laws are needed to protect people from the greed of this bank. BB & T is really not the best bank in town. They are thieves. I am asking for help.
02/28/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MN
  • 558XX
Web
We purchased our home in 2012 through a local lender. Within the month the lender had sold our mortgage to BB & T. we have had several issues with them, but most recently it is twofold. 1. my wife was unemployed and receiving unemployment insurance. we applied for hardship. BB & T made us fill out the same forms multiple times, lost paperwork with personal information, and made the process take more than two months. by the time it was finally approved y wife was working again, and we were two months behind. BB & T then refused to accept payments when we did try to make them, even though the payments were for more than one months worth of mortgage. 2. we also received a letter from BB & T stating that they sent an inspector to our house and our house was reported as vacant, a violation of our mortgage ( once again, we never signed a contract with BB & T ), and that they were going to take steps to secure the property. our home has never been vacant, and it is clearly occupied even from looking at it from the street. when we asked BB & T why they thought it was vacant they responded saying that sometimes the inspector doesn't approach the house but instead makes the decision from a distance. this is unacceptable.
11/13/2019 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • FL
  • 33147
Web
XX/XX/19 I had a direct deposit of $ XXXX deposited. XX/XX/19 the $ XXXX direct deposit was available in my checking account. Around XXXX I paid some Bill 's via ACH/account number. I attempted to pay a person/company I owed {$770.00} through XXXX. ( The bank policy says you can send up to $ XXXX per day ). The transfer deducted from my balance, but was pending. The transfer, a few minutes later, gets rejected. I then stop making attempts and log off. XX/XX/19 I log on to make sure the Bill 's I paid were deducted only to find my online access is locked, I call and phone access is locked as well. I can not reach anyone live so I call a local branch and the rep woman has an attitude and wont give any info on what's going on with the account. They never sent an email, voicemail, call, text alert, online notice or message and no written correspondence. XX/XX/19 all of the Bill 's I paid via ACH are returned NSF and I am charged {$35.00} fees on all of those Bill 's even though I had {$4000.00} available and did not go over paying the bills. They closed my account and never mailed me my {$4000.00}. I still have not gotten even a letter saying their intent to close my account or my money that was direct deposited.
12/26/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • VA
  • 22405
Web
On XXXX XXXX XXXX took a payment unauthorized from my BB & T account for {$44.00}. This made my account go into a negative status. At the time I figured my husband and I just had to deal with the mistake with the insurance company. This turned out not to be the case. BB & T put my prevuous debit transactions all out of order ( most that occurred on the XXXX ) and I was charged {$100.00} in overdraft fees and an overdraft fee for esurance. While I had the money for my other charges BB & T refused to refund me my money stating that 3 of my first charges posted after XXXX. My online account did not reflect this at all. I check my account daily and multiple times. BB & T reordered my transactions from the highest to the lowest resulting in these fees ( with esurance being the highest ). Since then XXXX has corrected the mistake on their end and refunded the {$44.00} while BB & T have said that " if '' they refund my fees it will be up 5 days. They should not be allowed to do this especially with debit card purchases. Once the money is debited I cant touch it. Exactly why I chose to debit and keep an accurate account of how much I have to spend. I have further documentation on my purchases being jumbled up if needed.
11/01/2018 Yes
  • Checking or savings account
  • Other banking product or service
  • Problem caused by your funds being low
  • Non-sufficient funds and associated fees
  • FL
  • XXXXX
Web
Hi, I have been with BB & T Bank for many years now and even before when it was XXXX XXXX. I was a victim of FRAUD AND IDENTIFY THEFT. BB & T did NOT do anything about that. They stated that they were going to Internally Investigate it and contact me. They Never did. As a result of this FRAUD AND IDENTIFY THEFT ; I wasn't able to keep track of my Account History. I had to open and close two different checking Accounts. I have called the BB & T Executive Offices contact Number several times. I have also called their XXXX - XXXX number And Office Manager several times and They still continue to LIE to me, give me excuses, Ignore me, NEGLECT And Mis-Treat me. I have been extremely Patient up until NOW. About a Month ago I asked And Requested their Assistance This has been to NO AVAIL. They Need to Credit my Account. Send me a Detailed Account History for the last 24 months ( Office which they Assured me of ). And Regular Mailed me Broshures of the different types of Checking and Savings Accounts that they have where there is No fee charges if I don't have Direct Deposit. I can NOT account For much money in which I had in my checking Account. - Please have BB & T RESOLVED these Issues / Matters A.S.A.P. - Thank You
03/31/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • FL
  • 33702
Web
My husband and I purchased our home in XXXX 2013 and our mortgage servicing was transferred to BB & T. BB & T has been completely negligent in how they have handled our escrow account and our loan servicing, in general, and has cost us an immense amount of time as a result. They applied a payment incorrectly, only to re-allocate it when we received a collections call and disputed the alleged missed payment. They have also mismanaged our escrow account and, as a result, we believe that they have not given the full refund required under RESPA. They have overstated the premium paid for flood insurance despite our providing them with notice of the error in their records. BB & T has also made a practice of harassing us for alleged insufficient insurance coverage, even though our insurance coverage has always exceeded the XXXX of our loan as well as our property value. After spending countless hours on the phone they finally advised us that BB & T has an undisclosed policy that homeowners ' and flood insurance coverage amounts match exactly. We have corrected the difference and BB & T is still harassing us with letters claiming that we have insufficient flood coverage and threatening to purchase force placed insurance.
04/16/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • OH
  • 45211
Web
I got a car loan from XXXX XXXX on XX/XX/XXXX and I had gotten behind on my payments. They said I had been given nine extensions, but could not send me proof. This year XX/XX/XXXX I caught up on my payments. In XX/XX/XXXX I talked with a man named XXXX and he took my XX/XX/XXXX bill on XX/XX/XXXX. He then told me that I had been paying on this loan since XX/XX/XXXX, gotten behind, but still owed over 15,000 thousand dollars. I don't understand how I paid XXXX for 4 years and still owe that much money. I am behind on XX/XX/XXXX payment because my husband had a XXXX XXXX XXXX and we cant afford to pay. I am XXXX but can not receive money due to my husband 's income ( before his XX/XX/XXXX XXXX ). They suggested I voluntary give them the car back, they would sell it and charge me the difference. They wont let me refinance or even lower my payments. They are very rude and talk down to me. They don't call anymore, they send a letter everyday, and emails. I don't want to give the car back, I want to make payments to them but they don't want to work with me. I just called the automated assistance with regional acceptance, my bill is XXXX. I still owe XXXX if I pay it before XX/XX/XXXX. My principle balance is XXXX.
10/31/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • GA
  • 30307
Web
My husband and I bought a home with a typical loan with BB & T. We planned to renovate and a few months later ( after getting architectural drawings done and hiring a general contractor ) we worked with BB & T to replace that mortgage and close on a construction loan that will convert to a regular mortgage upon construction completion. Our closing statement ( which I will attach to this complaint ) stated we would pay interest only for year 1 in the amount of {$950.00} and then our payment would convert to a typical principal and interest payment in year 2 and continue for the duration of the loan. We received our first bill with a different interest payment ( {$1500.00} ) that accounts for the amount of construction that has been completed to date. While this is logically fine, this is not what the paperwork stated at closing. We feel BB & T did not adequately articulate how our payments in the first year would work. In addition, I tried to make a payment both online and by phone for our first mortgage payment and was told that for the first payment I must go into the bank to make the payment OR send a check. No where on the bill does it state this restriction ( I will enclose the statement/bill as well ).
01/03/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • HI
  • 96706
Web Servicemember
paying on my loan for over 72 months.. and interest continues to compound.. the loan I am under will have me paying for an additional year This loan has continued to occur miscellaneous fees that has me paying an interest rate owing additional money over the life of the loan this company practices should be illegal.. I will be taking a copy of my loan to A lawyer XXXX morning to find out my rights.. I am looking into suing this company to protect others that they maybe using these predatory practices on. Attached document shows loan should be completed as of XX/XX/XXXX.. I currently still owe XXXX as of XX/XX/XXXX when I called the creditor.. the explanation was because of late payment being a month behind they have charged me additional interest onto the loan each Month.. I am willing to talk to the media.. I will be speaking with jag and allowing them to use my payment history to see if they can have this company listed and banned due to their as one of theirpredatory loan practices to protect other young soldiers who may not have an understanding of loans and do not understand what companies like this does I contacted Regional Acceptance corporation in XXXX and in XXXX and they would not cancel the fees!
12/16/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • MD
  • 217XX
Web
I have two business checking accounts, a business line of credit and business credit cards as well as a merchant account through BB & T. With my business checking account I have an overdraft protection set up to pull funds from my business credit card account and add them to my checking account to avoid any fees associated with any overdrafts. Well this has not been the case. I have been being charged overdraft fees for years on my account. I have contacted many different representatives about this issue in person as well as on the phone. Each time all I get is we will look into it. It will take a while if it has been a few years of charges. NO ONE has ever gotten back with me about these charges. I am being charged fees on my c/c as well as my checking account. There is no overdraft if they pull the funds from my credit card account. This is in their overdraft protection services policy. I am a small business owner and these fees are astronomical. No I can understand how they have all of this money to donate. Because they are illegally taking it from their customers. I can't just change banks. Not with all of the lines I have open. This needs to be fixed. I am sure it is not just me having these issues.
03/16/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • MD
  • 21122
Web
On XX/XX/ 2019 in attempts to make a payment to the car lender REGIONAL ACCEPTANCE CORPORATION, my payment was denied due to lender refusal. During that time, when I attempted to speak with the lender and use their automated payment system to get this issue resolved, again my payment was refused. The last time the lender accepted my payment was XX/XX/ 2019. Since this date, the lender has not only compounded interest daily on my account, but also has called twice a day, everyday, for the past 30 days to ask when the new amount with the compounded interest would be paid in full. Many of the phone calls have been very demanding and intimidating - threats of vehicle repossession. As of XX/XX/2019 the original amount due was XXXX {$440.00}. However, today on XX/XX/, 2019, the amount due is XXXX {$1400.00} with interest included. I am reporting the company REGIONAL ACCEPTANCE CORPORATION as a predatory lender because they are not only difficult to work with, but also I suspect racketeering. Additionally, not only do I have statements showing my payments made on XX/XX/XXXX and XX/XX/ 2019 were rescinded ; but also I have photos of a recent online payment made the evening of XX/XX/, 2019 being refused as well.
01/19/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MI
  • 481XX
Web
On XX/XX/2018 I filed a Chapter XXXX Petition in the XXXX, MI Federal Court. Sometime in XX/XX/2018 my plan was confirmed and the auto financed through XXXX XXXX was ordered to be surrendered. In XX/XX/2018 the lender retrieved the vehicle from my residence and sold it at auction leaving a residual balance of around {$9000.00} which was rolled into my Wage Earners plan to be paid at 100 %. XXXX reports to XX/XX/XXXX and XX/XX/XXXX. They are currently reporting correct information to XX/XX/XXXX, however, for some reason they reported nearly 12 months of late payments that destroyed my report. I disputed this item and called the creditor numerous times and requested they correct their XX/XX/XXXX reporting. They verified their reporting was incorrect and verified that they sent over the correct information to XX/XX/XXXX on 3 different occasions. XX/XX/XXXX alleges they never received the updated information so my score is still suffering because of this one account and XX/XX/XXXX 's " simple '' upload process does not work as it says my 2 pages document to prove this error is " too large to upload ''. The XX/XX/XXXX Dispute team is not helpful what so ever and the guy I talked to today even hung up on me.
06/15/2016 Yes
  • Credit card
  • Billing disputes
  • NC
  • 27704
Web Older American
Several years ago I applied for and received a credit card from BB & T for emergencies and personal purchases. In XXXX after reviewing a statement I noticed that a charge called " special purchases '' was being billed for approximately {$400.00} monthly. I am unsure how long this charge has been part of my billing cycles but after several attempts to gain answers from BB & T I have received no answer concerning what this charge consist of. I have spoken several times with branch representatives but each continue to say that there is no longer any record to give an indication of what the charge is. They expressed that they do not keep records past seven years. I requested statements for the last seven years and still have not received them. While paying the balance no payment was allocated to the " special purchase '' and it continued to accrue interest like the main balance was doing. In XXXX the charge was dropped but BB & T continued to request payment for the the previous years. I have continued to attempt to get answers concerning the issue from BB & T but they continue to have no answers for me. I believe that by the charge being left on the bill I have continued to overpay for my real purchases.
09/05/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 31907
Web
Dear Consumer Financial Protection Bureau, cfpb : branch bank and trust , bb & t, now merged with XXXX XXXX is engaging in OVERT BANK FRAUD AND EMBEZZLEMENT WITH THEIR ATTACHED BANK AFFILIATED INSURANCE AGENT, XXXX XXXX XXXX, AND THEY MUST BE HELD ACCOUNTABLE. Most Important, I am in receipt of a letter from your employee XXXX XXXX, vice president XX/XX/XXXXcompliance group manager, threatening me with criminal trespassing if I enter a bb & t bank. Please let that XXXX XXXX KNOW : CEASE AND DESIST, BB & T OWES ME {$870.00} FOR THE FRAUD AND EMBEZZLEMENT THAT OCCURRED ON XX/XX/XXXX-XX/XX/2018 ( TUESDAY AND WEDNESDAY ). This correspondence is to officially AFFIRM FOR BB & T TO CEASE AND DESIST with further communication OR FRAUD effective immediately in accordance with " Fair Debt Collection Practices Act '' ( in 15 U.S.C. 1692 ). BB & T OWES ME {$1000.00}. FYI : REGULATION CC IS TO REGULATE HER XXXX XXXX, NOT MINE, TELL THAT XXXX XXXX TO MIND HER OWN XXXX BUSINESS AND STAY THE XXXX OUT OF ( XXXX XXXX XXXX ) XXXX BUSINESS. DEMAND : BB & T NEEDS TO PAY ME {$1800.00}. I ATTEST, AFFIRM, AND CERTIFY THE STATEMENT AND INFORMATION IS VERY ACCURATE, VERY TRUTHFUL. XXXX XXXX XXXX CFPB PORTAL ONLY.
02/22/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • MA
  • 02368
Web
Hello- I took a loan about 5 years with Regional Acceptance corp , loan was paid in full sometime in XXXX or XXXX in 2016, sometime in XXXX I contact Regional to get an update on the mail of the title and I was told that the tile was mailed to my address that I needed to wait a few days, a few days went by and I told them that I was still waiting on the title and their recommendations was to go to the XXXX office to request a duplicate, I been to XXXX different locations trying to obtain this document and up until now I been unsuccessful to do that, at XXXX they are telling me that they need a Lean release from XXXX in order for them to complete my request, XXXX is part of the corporation own by Regional Acceptance. I have contact Regional multiple times and request the lean release but instead the paper that they have provide me with is not the correct documentation. Im attaching copies of Statement of act, Power of Attorney & XXXX statement of fact obtain from Regional each time I have placed a call requesting the lean release. I can use some help since I do n't know what else to do or where to go. Im also including a copy of the registration /title inquiry from XXXX and a copy of the Application.
06/07/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • FL
  • 344XX
Web
On XX/XX/2018, around XXXX we made 3 deposits to the BB & T bank ATM in the amounts of {$1800.00}, {$5000.00}, and {$5000.00}. When making the last deposit, the ATM shut down, did not return the money, nor post on the account. We made calls to BB & T and filed for fraud. The fraud report was denied because agent said that the bank ATM balance was correct and there was no discrepancy in overages. The agent refused to view surveillance footage of the ATM to confirm no internal theft took place. At the deposit, we were driving a XXXX XXXX XXXX XXXX note and made 3 separate deposits. The missing deposit was in {$100.00} bills in cash. The Bank refuses to investigate the situation further. Attempts to resolve through bank failed. Will not provide any footage of ATM audit or relevant facts. ATM is supposedly serviced by XXXX and they claimed that there was no surplus deposit in the ATM. In the fraud filing process the agent took down the incident wrong multiple times to the point that we had to go to the branch and file a new fraud claim. The bank refuses to do anything about the lost deposit and refuses to admit that internal theft is at play. They will not look at video or investigate the situation.
08/25/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • TX
  • 77373
Web
I spoke to 5 different representatives in regards to my acct and could not get any help to what others had told me. They reported me as a late payment when I had made the payment arrangement to avoid this because I 'm working on my credit and when addressing the company speaking with a representative stated that it would not be reported. In checking on my credit report that was false. Calling the business, I talked with more representatives still getting wrong information. Saying they do n't know what I was told, but that was not true!!! I do n't think they are being trained the right information I think I was ok to find out I was lied to I asked to speak with a supervisor, and he apologizes as well I asked him to give me a statement for the month of XX/XX/XXXX paid because they are a month behind and they only gave me the runaround. I been with this company since 2013 and expected more professionalism. I received only a payment transcript which is not even readable with not knowing what all codes are. And I received this after 6 phone calls and got different answers saying it would take 10 mins, 20mins, 48 hours or I could go online and see it, but that is not even a current update information.
10/03/2018 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • FL
  • 32309
Web
An unauthorized change to my bank account was made allowing money transfers from my checking account using XXXX. I called the Bank in real time ( within minutes ) and asked that the account be locked down because the charges were fraudulent, and there was an apparent hack into my Banking account, probably through the Banking App. The perp set the electronic wire transfer allowed to a yes status. I have never used a transfer service and was unsure what XXXX even was at the time. The Bank knew this was a hack and did not lock that paticular account down allowing a 4th XXXX Transfer to appear a couple days later. All my accounts were changed but my money was allowed to remain in the deactivated account to be paid out. Now I have to file a fraud report and wait for my money to be returned. All of this could have been stopped if the Bank had taken immediate action when I called and reported. My local banks staff was very helpful, but the Larger Bank knowing there had been an account breach failed in their fiduciary responsibility to protect the consumer and allowed the theft to happen. I have spent 2 work days cleaning up this mess, and am upset at the lack of action following my initial report.
12/09/2016 Yes
  • Mortgage
  • Home equity loan or line of credit
  • Loan modification,collection,foreclosure
  • FL
  • 33065
Web
wE ARE ATTEMPTING TO NEGOTAITE A SHORT PAYOFF ON A HELOC THAT IS OWNED BY BBT AND THIS LOAN IS GOING INTO FORECLOSURE. WE HAVE ATTEMPT TO REACH OUT THE THE BBT LOSS MITIGATION OFFICE, AND WAS TOLD THAT WE NEEDT TO CONTACT THE HELOC LOSS MITIGATION. THE PHONE NUMBER PROVIDED ONLY ALLOWS YOU TO LEAVE A MESSAGE, WHICH FOPR THE PAST XXXX WEEKS WE HAVE LEFT OVER A DOZEN VOICEMAIL. WE HAVE CONTACTED BBT CUSTOMER SERVICE AND THAT EVEN TRIED TO REACH A LIVE PERSON AND AFTER SEVERAL ATTEMPTS THEY GAVE UP. WHE CALLED ANOTHER NUMBER THAT GAVE XXXX, XXXX AND AGAIN LEFT MESSAGE AND NO RETURNED CALLS. I TRIED CALLING ANOTHER PROVIDED BBT NUMBER ( XXXX FOR THE XXXX AND WAS ON HOLD FOR XXXX MINUTES THEN THE PHONE CALL DROPPED. CALLED BACK AGAIN, AND AGAIN AFTER XXXX MINUTES, THE CALL DROPPED. WE ARE TRYING TO INITIATE A SHORT SALE ON A XXXX MORTGAGE AND NEED SOMEONE TO CONTACT MY OFFICE ASAP. I HAVE INCLUDED THE BORROWER XXXX PARTY ARTHORIZATION AS WELL. PLEASE HELP. THESE PEOPLE ARE BOUT TO LOSE THEIR HOME AND THEY HAVE A PURCHASE CONTRACT, BUT NEED TO NEGOTIATE THE LARGE XXXX MORTGAGE THE MONTHLY PAYMENT WENT FROM {$510.00} PER MONTH TO NOW {$1800.00} PER MONTH AND THE LENDER OFFERED NO REASONAL SOLUTION.
11/20/2019 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Closing on a mortgage
  • WV
  • 251XX
Web
XX/XX/XXXX I was made aware that their was a lien on my property through a bank I'm trying to get a home equity loan with now. They advised me that their was a lien on my property from XXXX XXXX XXXX, which is now BB and T. Deed of Trust dated XXXX, book XXXX-page XXXX. I've reached out to my local BB and T branches in search for some help do get me a release DOT. At first I tried to talk to XXXX XXXX, at the XXXX XXXX XXXX XXXX location in XXXX WV, NO HELP. Then I moved on to the XXXX XXXX location in XXXX WV to XXXX XXXX. In which in return he did get me a release on a wrong DOT. I then told him that was the wrong loan and he then sent me a letter in the mail stating the lien release is not available in the loan file and they apologize. My complaint is someone can and needs to get me a release DOT on the DOT filed at the court house from XXXX. This is hindering my loan process and going to knock me out of buying a piece of property connected to my land. If this doe not get solved, my only option is to hire a lawyer and file suit against BB and T for not providing me a release DOT on my property, that the loan is paid in full. XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX XXXX XXXX
04/08/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Application, originator, mortgage broker
  • NY
  • 145XX
Web Older American
I recently closed on the purchase of a home. The Closing Disclosure was generated multiple times in the 24 hours leading up to the close date. There were glaring errors on the CD. The banker admitted that the CD numbers were incorrect. I understand that certain numbers will change slightly, but in this case there were blatant errors to which the banker admitted. He insisted that I sign the CD 3 days in advance of the closing even though he admitted that the numbers were incorrect, telling me that if I did not sign the document we would not be able to close on time. An example : the " Down Payment/Funds from Borrower '' incorrectly listed the purchase price. In addition, the Title company told me that they quoted the Title Search amount to be {$500.00} but the banker quoted the Title Search at {$300.00} on the Loan Estimate and on the subsequent CD 's until the very last CD was sent to me just hours before the closing. The final Title Search amount was {$710.00}. That 's a long way from the {$300.00} initially estimated. Every time the CD changed the total Cash to Close was higher. I highly recommend that people avoid using Branch Banking and Trust Company ( BB & T ), XXXX, FL XXXX - XXXX
10/01/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • TX
  • 78245
Web
I financed a vehicle through BB & T Bank for 72 months and was told by the finance manager that I recieved the lowest possible interest rate due to my credit score and that the warranty I purchased would cover me to 92k miles and then I recieved a letter from warranty company saying that there was an error in contract that I only have coverage to 60k odometer reading. I then complained to BB & T bank and dealership and was told by dealership {$3000.00} refund will apply as payments and BB & T rep failed to tell me that it would not count as a payments until I was already late. I caught up with payments and recieved a letter saying my contract had incorrect APR and was promised that I would have my past due balance recently to be deferred due to hardship and my last payment was mishandled by BBT by inputting incorrect account number causing me to get a fees and issues. I just want these issues resolved due to the errors. Now I'm paying a substantially higher payment due to BBT errors on my contract and aren't honoring my deferred payment plan and mishandling my account with payments, fees and APR. I want my account to be in good standing and hope BB & T will make this right for me.
07/13/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • VA
  • 245XX
Web
We have a mortgage with BB & T on a property in Virginia. In planning the estate we wanted to transfer the deed to the property to our daughter while retaining life estate. In our initial phone calls to the bank, the local branch manager stated that changes to the deed would not affect their current mortgage. After speaking with our attorney, we asked BB & T what language would need to be in the transfer deed to acknowledge the existing deed of trust. After this meeting BB & T stated they would not accept a life estate deed as this would trigger the due on sale clause. BB & T stated that their policy was only deed transfers to Revocable Living Trusts or straight deed transfers were allowable under the Garn St Germain Act of 1982. After reading this act, the law states " a lender may not exercise its option pursuant to a due-on-sale clause upon ... ... a transfer to a relative resulting from the death of a borrower ( or ) .... a transfer where the spouse or children of the borrower become an owner of the property ''. It is our opinion that if this is in fact BB & T 's policy that life estate deeds trigger the due on sale clause, then this does not comply with the intent of the law.
08/02/2019 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Trouble during payment process
  • FL
  • 33186
Web
On XX/XX/2017, I received a settlement check from XXXX XXXX XXXX for repairs on the subject property. It is the common practice for the lender to either endorsed the check and return to the homeowners, pay directly to the contractor, or issue draws upon receipt of work completed. Pursuant to the promissory note, the homeowner has every obligation to protect the property. The check was sent to servicer BB & T multiples times to no avail. The servicer claims they can not find my account on their records. XXXX XXXX has issued more than 4 checks, and all have expired due to BB & T negligence. On XX/XX/2017, my line of credit with BB & T reached its maturity date. I meet with BB & T officials to either extend the credit limit or refinance. While the application was on going BB & T filed a foreclosure action then said could not proceed with the application. Ive never missed any payments in fact till today I'm making payments and being return by the servicer. The servicer is using this excuse to claim they can not find my name or loan number with their company. My roof needs repairs before it falls on my head.. See attached BB & T correspondence refusing to even acknowledge that I have
05/30/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • AL
  • XXXXX
Web Servicemember
Please reference CFPB complaint # XXXX about XXXX XXXX XXXX. Although this complaint was closed on XX/XX/XXXX after providing information to the CFPB that all information was reporting correctly : the bankruptcy discharged in XX/XX/XXXX is still being reported to financial institutions and although ALL accounts were paid off in XX/XX/XXXX, this is not being reflected in information provided to financial institutions. Because of XXXX XXXX failure to correct the information ( remove the bankruptcy and show all accounts as paid ), XXXX XXXX XXXX declined my request for a credit card and today I received written information that the denial was based on information solely from XXXX regarding a bankruptcy and high account balances. The reference number is XXXX and the date of the denial explanation is XX/XX/XXXX. Also, on XX/XX/XXXX, BB & T Bank continues to report that XXXX is providing information on the bankruptcy and high balances on my accounts. There is therefore a damaging discrepancy between information that XXXX provides to the CFPB and to the consumer and their failure to provide correct and timely information to the financial entities requesting information.
12/04/2018 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • KY
  • 420XX
Web
BB & T consistently reorders debits in order to charge more overdraft fees. Please see attached examples. According to customer service, BB & T policy is to only remove 1 overdraft fee every 24 months. So by this policy BB & T can repeatedly reorder debit transactions to cause customer to incur unlimited amounts of overdraft fees with no recourse other than arbitration with a mediator chosen by BB & T. ( This type practice often results in business ' choosing mediators that consistently find in the business ' favor ). The most recent example I attached is a recurring online payment that caused my account to overdraft. This is my fault and not in dispute. What I am disputing are the other 3 overdraft fees that are the result of reordering. The debits were later hard posted in the correct order, clearly showing the account was not overdrawn at times those purchases were made. This happens routinely. If I " opt-out '', I am charged {$36.00} for the account to be " reviewed '' and the purchase denied for insufficient funds. When I call customer service I am told " sorry, our software won't allow me to take those overdraft fees off ''. This seems fraudulent and deceptive.
02/04/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Closing on a mortgage
  • VA
  • 240XX
Web
XX/XX/XXXX, I received a mortgage from BB & T. During this time, the appraised value of the home was {$280000.00}, based on square footage that was overstated on the appraisal by 1,251 square feet. This gross error was not discovered until after non-responses by BB & T 's mortgage ( for the lower rate that was stated of 3.875 % ) and I'd gone to another financial institution to refinance in XX/XX/XXXX. The other financial institution, XXXX, ordered an appraisal and now it's been determined there was a measurement error and the value of my home is upside down by a tremendous amount. After multiple attempts of left messages and emails with BB & T, I found a complaint email address and send my letter via email. I've attached my letter, along with the letter of response by BB & T. I responded to BB & T with a copy of the XXXX appraisal that was mentioned in their response letter. I've not heard anything back from them. In essence, they are stating they need another mortgage application and for me to pay for another appraisal. I do not feel in any way that I should have to pay even more money and re-apply for a mortgage they already hold that was handled inappropriately.
03/26/2015 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • TX
  • 75287
Web
I had XXXX accounts with XXXX that I signed up for in Texas. I was told yesterday XXXX XXXX 2015 that all Texas XXXX accounts were transferred to BB & T. I called BB & T and gave them my full social security number, my current address and my past address, the name of the company I work for and my mothers maiden name. I was told that I needed to provide the exact amount of my last deposit as well as my past XXXX transactions. I informed them I do not have access to my accounts anymore. I was told that the issue needed to be " escalated '' to a management personnel and that they would call me because BB & T would " expedite '' my claim. XXXX hours later and I still have not received any email or phone call from BB & T. I do not have access to any of my money from my checking account, my CD, my savings account or my business account. I never authorized my funds to be moved and now I have no access to any of my money. I am working for the XXXX XXXX as a XXXX in the XXXX so I am not able to show up at a BB & T branch and withdraw my money. I informed BB & T of my current location and the urgency there is in me having access to my money and as of yet I have heard nothing.
08/10/2018 Yes
  • Checking or savings account
  • Other banking product or service
  • Opening an account
  • Unable to open an account
  • NC
  • 28214
Web
I went to BB & T, on XX/XX/18 to opening up a business account. And was waited on by XXXX XXXX, XXXX XXXX XXXX. Upon XXXX XXXX, ( XXXX XXXX ), request for a Social Security Number. I had explained to her that i did not have one do to my SSN, being compromised due to identity fraud. And that i had a letter proving that. And did provided the document to her along with documents and case law that one isn't required to provide a SSN, to open a bank account. And that i had a EIN and my 98-number. the the IRS, had instructed me to use in place of a SSN. XXXX XXXX, asked to copy my documents to send over to her Superiors legal. To look over the papers i handed her for review to determine whether i could open up a account with the documents i presented to her. And that she will take my number and give me a call when she hear back from legal. This was at XXXX on XX/XX/18. It was XXXX when i phone her to check on the status of me opening up a business account. And did received a call from her stating that i could not open an account unless i provide a SSN, And that was the answer she received from legal. I had also allow her to see a business check that i wanted to deposit.
11/06/2015 Yes
  • Bank account or service
  • Checking account
  • Making/receiving payments, sending money
  • KY
  • 412XX
Web
I made a payment of {$800.00} on XXXX/XXXX/15. The bank processed this transaction, and it was officially pending on my account. On XXXX/XXXX/15, the transaction for XXXX/XXXX/015 has completely disappeared from my online statement. I call BB & T to see what happened to the payment and the representative informed me that the transaction had been cancelled by the debtor and she proceeded to tell me that this transaction would not be posting to my account because it had been cancelled. I had some other bills due since this transaction had been cancelled I thought I would put this payment off XXXX. I went ahead and paid XXXX other bills and was not concerned about being overdrafted since it was evident that transaction for {$800.00} had not been processed and had been cancelled according to the BB & T representative. On XXXX/XXXX/15 the transaction of {$800.00} had been posted to my account even though I had not been told that there was no way this transaction could post. Now I have XXXX other ACH items out at the moment and once they post my account will completely overdraft. I called a BBT representative again to only be told that there is nothing that they can do.
06/25/2016 Yes
  • Bank account or service
  • Savings account
  • Account opening, closing, or management
  • VA
  • 229XX
Web Older American
On XXXX XXXX, XXXX, I closed an account at XXXX XXXX and took the cashiers check to my Bank, Branch Banking and Trust, XXXX XXXX, XXXX Va, to open a savings account to be linked to my checking account. I have had a checking account with BB & T since XX/XX/XXXX and have always handled the account in a satisfactory manner. I had a balance of {$8000.00} in the checking account, collected funds. While at BB & T they treated me like a criminal, but that is not why I am complaining. I opened the saving account for {$20000.00}. Approximately {$19000.00} with the cashiers check and the other transferred from my checking account. I am complaing because they pulled a credit report on me without my authorization. It showed up on Equifax as a hard pull. BB & T never disclosed to me that they would be running a credit report. Now the inquiry shows up on my credit report indicating I was trying to get credit. I never asked they for any credit and told them that I had no interest in receiving overdraft banking or a credit card. They put the cashiers check on a 7 day hold, which was fine with me. This should have given the proper assurance that the transaction would be valid.
09/27/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • GA
  • 30096
Web Servicemember
XX/XX/19 - XXXX XXXX ( XXXX XXXX ) called my job regarding my outstanding balance. I do not dispute I owe, but due to illness and financial hardship, I do not have the funds. I was advised I had to make 2 payments by XX/XX/XXXX back on XX/XX/XXXX. They have called me 3-5 times per day every day except Sunday. No matter what you try to set up, they call. I have begged them to help by reducing my interest rate, they will not. They did put some of my late payments to the end of the loan. My illness is triggered by stress and this has been very stressful. I told them before when they called my job that I can not have personal calls at work. My job does not allow us to accept calls from anyone other than our customers. Today, they called and actually spoke to someone who is on the management staff. This can jeopardize my employment. I need help getting Regional Acceptance to not call my place of employment. I have requested this before, I have requested it in writing. I did not provide any work phone numbers, but they still called my work this morning. I have a meeting on Tuesday regarding this incident. My job is very strict about their personal call policy.
03/10/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • FL
  • 33617
Web
I had a fraudulent charge of {$320.00} for XXXX on XX/XX/XXXX. I noticed this charge when it was pending and immediately contacted my Branch Banking and Trust Company to let them know that there was fraudulent activity on my card. The canceled my current debit card but said that since it was posted they couldn't do anything about it and told me once it posts to call back and report it as a fraudulent charge. I also tried contact XXXX XXXX at this time and again on XX/XX/XXXX, but since I don't have an account with them and they are not my cell phone provide they said they can not help me and to contact you. I received a letter from BB & T bank saying they investigated the charge and are saying it is a valid charge so they are going to reverse the provisional credit and I'm responsible for the charge. They are only open during the week and I received the letter on Saturday but they are basically saying that they found it was not an error and I am responsible for the charge. I did not incur this charge nor did I authorize anyone to use my account to make this purchase. This is absolutely a fraudulent charge and someone used my account without my permission.
04/03/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • AL
  • 35007
Web
I am writing because I agreed to allow XXXX be my home insurance provider in XXXX XXXX at a set quote of total around {$1300.00} for XXXX XXXX XXXX. In XXXX XXXX, XXXX hired a XXXX party to do an " inspection '' or " to access '' my house. The XXXX party did not do a good job and misled XXXX on my insurance policy. XXXX then increased my policy to more than XXXX of what it was, without due process not notifying me. This has caused for my insurance company to add an additional {$200.00} per month to my mortgage per month, for the period of XXXX XXXX XXXX XXXX. I am about to go into foreclosure because of this. I have contacted XXXX since I received the XXXX party evaluation and they refuse to correct this. The evaluation stated that I have XXXX garages and XXXX doors and other mistakes which led XXXX to believe that they should XXXX the policy. However, the evaluation also included pictures of my house which proved otherwise. I have contacted XXXX and they are telling me that based upon the sq footage that they received from the XXXX party that my policy was wrong, but I was not told of this from XXXX until XXXX XXXX. I need a refund of the " new amount ''.
10/26/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • GA
  • 30132
Web
BB & T closed my bank accounts in retaliation after I complained about an unauthorized transaction. I want supposed to receive a provisional credit of {$250.00} which includes the unauthorized amount plus all of the return check fees that BB & T caused even though I had advised them that I didnt authorize this transaction. I was given a credit of {$110.00} only on one checking account. On my second checking account I made three transactions in which the amount was immediately taken from my account and as per this bank the charges were still pending although the money was already removed from my bank account. When I called in about the 2nd checking account being overdraft and me feeling that this bank was purposely charging me overdraft fees probably an hour later all of my accounts was frozen, never receiving all of my credits that was owed to me plus my direct deposit posted today XX/XX/XXXX and they kept that money also. So Im all from checking account one : {$91.00} was taken, {$47.00} was taken, {$76.00} was taken. From second checking account I was given 3 fees that no one can really justify and for my savings account : {$230.00} was held by BB & T.
03/12/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Application, originator, mortgage broker
  • VA
  • 230XX
Web
My mortgage Application was canceled. I started this process in XX/XX/XXXX and licked my interest rate in at 2.875. The canceled my application because they said they requested updated documents in XX/XX/XXXX that had to be uploaded by XX/XX/XXXX. I never received any emails or mail requesting documents. I uploaded them on XX/XX/XXXX because I had retained an attorney for a title issue and thought something was going to get done but this was not a request by BBT. I have requested proof because there is no way I would let that rate slip by since the new 15 year with BBT is 3.5 %. I had agreed to extend the rate lock until XX/XX/XXXX and have the document proving that. I was having trouble with the appraisal, I had that completed in XX/XX/XXXX and submitted a ROV on XX/XX/XXXX. They sent it to the appraiser one month later and they did not reply to his request. I have all the documents to prove this. This is an unfair and deceptive situation. It seems like the right hand does not know what the left hand is doing there. This could be tens of thousand in interest and this only benefits them since now I have to apply at a time when rates a severely increased.
05/02/2018 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • NC
  • 27519
Web
When my ex-husband left me ; he left the BB & T account in a negative balance. At the time I had no access to the account. I was only a signer. I had my own personal account at the time. I received notification that my personal account would be drafted unless the account that my husband used was paid off. I immediately took head and begin to pay this account off. I paid {$20.00} a week for almost a year to get it cleared up. I took care of the account ; paid it off in hopes that everything that needed to be done with this account was clear. I managed to keep my personal account in tact. Early XX/XX/2018, I tried to open up a new account ; I couldn't open it because of this old account. The reason was that this account was closed and charged off by the contributor, in whole or part and or account abuse. This is the primary reason why I can not open a new account. I filed a dispute in XX/XX/XXXX, it was updated as paid BUT the reason did not change. After explaining this to BB & T and potential banks ; THEY STILL have not updated it correctly. I feel at this time ; this negative should be removed my consumer report ( XXXX XXXX XXXX and XXXX XXXX ).
01/09/2018 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Applying for a mortgage or refinancing an existing mortgage
  • FL
  • 33334
Web Older American
A refusal of a bank to refinance a maturing 2nd mortgage with a predatory balloon payment. The mortgage holder ,a senior citizen never missed a payment for 15 years and can continue to pay monthly principal and interest payments until the sale of the house.This is the same bank that ripped off it's mortgage holders in a forced place insurance scheme class action scam. I am part of their New fee scam. In XX/XX/XXXX XXXX XXXX XXXX made a consumer loan to me never mentioning the pending balloon maturing in XX/XX/XXXX.A New local loan officer in XX/XX/XXXX called me warning me of my pending foreclosure. She suggested I apply for a modification borrowing not the current amount of XXXX but $XXXX principal. After several weeks I was denied the modification on the basis of too many inquiries(all the inquiries were made by XXXX XXXX),outmoded and arbitrary loan ratios,and the loan the bank made in XX/XX/XXXX.Now the bank has started foreclosure.Dreams of anew fee scam are dancing in their heads.I wrote the president of XXXX XXXX XXXX alerting him .Never a reply. This bank is corrupt from it's head I expect much false witness against a me from this bank. .
07/27/2019 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Trouble during payment process
  • VA
  • 226XX
Web
The HEL is under my mother - in- law 's name XXXX XXXX Acct # XXXX who passed away in XX/XX/XXXX. My wife ( XXXX ) and I are executers of her estate. We visited the BB & T XXXX XXXX on XXXX XXXX on Saturday XX/XX/XXXX ( I think it was this date ) the Rep took all of our information including the death certificate and the paper from the XXXX County Courts show XXXX and myself as executors of the estate, we also closed the checking account. We were told that this would be taken care of and someone would give us a call, had never received a call back. I called again on XX/XX/XXXX and spoke with XXXX who said she had to send this in for research, still I have not heard anything. I called again on XX/XX/XXXX and spoke with, I think XXXX, who said that my wife and I were only attorney in facts on the account. This was not true since we gave all the paperwork showing that we were executor of the estate to the Branch employee. So it have been over a month and the HEL has not been closed and we have a negative balance of {$81.00} which is due to my mother - in - law 's estate. Can you please help get this HEL canceled so we can finally close her estate out.
08/17/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • NY
  • 142XX
Web
In XX/XX/XXXX and again XX/XX/2016, I attempted to make an online payment to on my car note with Regional Acceptance Corp - RAC - ( an affiliate of BB & T Bank ). I tried a number of times. Each time I received an error message of sorts that indicated that I was unable to make a payment. On XXXX/XXXX/16 I called an RAC branch office in XXXX, NY as directed by the error message. I spoke to XXXX at XXXX who advised me that RAC has blocked my ability to make free, convenient online payments because my payment is late. Stunned by this blatant discrimination against consumers that fall behind, I asked XXXX if that is RAC 's policy and she assured me that it is their policy to offer the " convenience '' of free online payments to customers whose accounts are up-to-date ( not late ). I told her that I have made a number of online payments in the past despite my account being late and she basically called me a liar. I asked XXXX how that policy makes any sense whatsoever and she very robotically repeated RAC 's policy. RAC purposely and maliciously is blocking consumers ability to make free, convenient online payments if they are behind on their car note!
10/15/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • WV
  • 25404
Web Servicemember
I filed a complaint about overdraft fees. I deposited a check from another account I have at another institution. BB & T said the computer had placed a twelve day hold on the check which was for {$700.00}. I informed the bank that was in violation of Federal Reserve rules. A manager said on Wednesday that they would check on Tuesday after the holiday weekend whether the check cleared. I checked my account at the other institution on Saturday and saw that the check cleared Friday and the funds were still on hold until XXXX as of Tuesday morning ( today ). The reason my check was being held according to a teller was that I had overdraft fees. The fees were for PIN transactions and I am opted out of overdraft on PIN transactions. My check was held, in reality, because I filed a complaint about overdraft fees with CFPB previously. I want anyone reading this complaint to know that I was told by my relationship banker BB & T doesn't care if I close my account, and a teller got into an argument with me about the Federal Reserve regulations for holding deposits when I asked to leave a message for the relationship banker and hung up on me intentionally.
10/03/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • SC
  • 29223
Web
On XX/XX/19, My checking balance was {$2100.00}. On XX/XX/19, two transactions ( {$32.00} and {$26.00} ) were posted to my account leaving a balance of {$2000.00}. A pending transaction was added to the account for {$2000.00} as of XX/XX/19 - this transaction is still pending. I saw a pending transaction for {$170.00} at that time, which, had it cleared, would have left a balance of - {$110.00}. At that time, on XXXX, I initiated a transfer from my other bank for {$150.00}, which should have left a balance of {$39.00}. Instead, I was charged {$36.00} each ( total {$72.00} ) overdraft fees for the {$32.00} and {$26.00} transactions. My {$150.00} transfer in and the transaction of {$170.00} both cleared on XX/XX/19. As the balance was now negative due to the {$72.00} in overdraft, I was charged an additional overdraft on XX/XX/19. The {$2000.00} is still a pending transaction and is set to post today ( online bill payment which was initiated for XXXX ). The bank, BB & T, agreed to waive the final overdraft fee " as a courtesy '' but refused to acknowledge that their creative accounting was the reason for any overdraft fees in the first place.
06/15/2017 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • VA
  • 245XX
Web
We have had a checking account wi th BB & T since 2015. We have a direct deposit monthly into the account from salary. Ever since then we have had numerous overdraft charges and fees over the last several months. The most recent charges are being described below because the bank has refused to provide any recompense, amendments or assistance to prevent this from happening. We were charged {$180.00} in overdraft last month and another {$390.00} this month. Overdrafts were charged for purchases when there was enough money to cover those items at the time. When we enquired about this, the bank said that there 's nothing they can do and that because the transaction went through at a later date there was n't enough money in the bank and we were charged overdraft. However, this was not evident in my account statement online. They said the only way for me to keep track was to write every item that I bought down and deduct it from my account. This bank and its employees showed no care or effort in addressing the issue or customers. We are really hoping this could be resolved and get refund back for these we were wrongfully charged for by BB & T bank.
10/10/2016 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • NC
  • 28078
Web
Bank levy appeared on my BUSINESS banking account for my exact posted balance plus {$120.00} on XXXX/XXXX/2016. Then the following day, the bank levy adjusted to {$44000.00} on XXXX/XXXX/2016. I spoke to BB and T representative XXXX in person at XXXX XXXX branch on XXXX/XXXX/2016 about refunding returned and overdrawn fees with an understanding that my posted balance would be released to me on XXXX XXXX, 2016. She was successful in accomplishing this ; however, I am uncertain if my BUSINESS banking account balance can be cleared out with a XXXX balance to satisfy a credit card debt from a XXXX XXXX that is almost a decade old. This bank levy seems to be a political move and a personal attack. I have been a bank client for over ten years. I am very confused in how my account is being handled. I feel like they are helping to extort me. I am very traumatized by the seizure of my business checking account. I could have been out of town or out of the country and stranded based on this account seizure. No one should feel safe with their money in a bank when extortion by anyone is possible with a judge signing off on it. My article is attached. XXXXl
06/04/2018 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem accessing account
  • NC
  • 28078
Web
The full touchscreen ATM located outdoors of BB & T XXXX XXXX XXXX XXXX XXXX, NC XXXX does register " touch '' in extremely cold and extremely hot weather. I have wasted gas and time TWICE going to this location outside of regular business hours only to realize there are no push buttons for choice selection and my finger touches would not work. I spoke with XXXX about my frustrations on XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX, the weather was cold and the ATM touch sensitivity FAILED. Now, the weather is hot and the ATM touch sensitivity is still FAILING. This location is also where I had a rude and disrespectful banker named " XXXX XXXX XXXX, NMLS # XXXX '' to tell me that I should " pay my bills '' despite the bank emptying my bank account to satisfy a sheriff levy for a ten year old unsecured platinum credit card. I am very frustrated with this location. There are some good people working there, but the bad ATM service is just unacceptable! I don't want a third wasted trip to the ATM. Can they provide better machines with push button capabilities? XXXX said that he would escalate my complaint since it was my second time calling this year.
06/25/2016 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • WV
  • 263XX
Web
On XXXX XXXX 2016 at the end of the business day. I had {$2.00} in my bank account. Nothing was pending on XXXX XXXX 2016 I deposited {$80.00} period on XXXX XXXX XXXX that evening I withdrew {$20.00} two different times. There 's a {$2.00} charge per withdrawal from each provider my bank and the ATM. That is a total of {$10.00} with the XXXX that is a total of {$50.00} that took my balance from {$82.00} down to {$32.00} which is what my balance was on XXXX XXXX 2016 when I woke up. I put {$10.00} and gas taking me down to {$22.00} in my balance. I withdrew {$20.00} from a XXXX ATM which is a fee free ATM that took me down to {$2.00} balance at roughly XXXX. on XXXX XXXX the same day. I deposited another {$80.00}. On XXXX XXXX 2016 I open up my ( remembering that each of those {$80.00} deposits XXXX of them to be exact. Were deposited at XXXX separate branch locations. The first {$80.00} deposit was that the mall branch in XXXX West Virginia. The second {$80.00} deposit which was on XX/XX/2016, was at the XXXX downtown branch. ) U app by BB & T to find that they returned XXXX of the ATM fees and charge me {$36.00} so where did {$20.00} go?
06/17/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Shopping for a loan or lease
  • NV
  • 89123
Web Servicemember
Regional Acceptance Corporation dba BB & T Financial Services are constantly reporting inaccurate information regarding the auto that I have included in my BK-XXXX federal protection in XXXX 2013. I have contacted them several times and they keep reporting inaccurate, damaging and defamatory information against me to other auto lenders and car dealership that prevent me from obtaining credit under my own name. I have spoke to Senior Vice President XXXX XXXX at Regional Acceptance Corporation and he still has not corrected this negative and damaging information on my credit report. Regional Acceptance Corporation and its affiliated were contacted and served with prompt and proper notice of my BK-XXXX on XXXX XXXX, 2013 and lately have been reporting the car note to be late in both XXXX and XXXX of 2013 when in fact that is not true at all! There was never a late payment on this car note/auto loan. This BK-XXXX was fully discharged on XXXX XXXX, 2013. So they have no right to report damaging information as to the lates on the auto loan when in fact it was included in the BK-XXXX on XXXX XXXX, 2013. I want this OFF my credit report at once!
01/20/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • FL
  • 33703
Web
I have an auto loan with Regional Acceptance Corporation that I opened in XXXX. I have been paying on this loan for more than 5 years giving them almost XXXX a month. The loan amount was {$16000.00} and they are telling me because of interest and late fees that I still owe them over {$10000.00}. As of last month, I have paid them a total of about {$22000.00}, so they are telling me that I have given them {$16000.00} in late fees and interest. When I purchased this car I felt like I was being pressured and plowed down by XXXX people in an office at XXXX XXXX in XXXX XXXX FL and they found this finance company for me. I am scared they are going to reposses my car which by the way was not even new it was a XXXX when I bought it and only worth about {$12000.00}. I have been struggling to pay for this car since the beginning and I have been taken advantage of to the extreme. I do n't want this on my credit so I continue to pay for it. I feel like I was open prey and that this is very very unfair practice. They have no reason to continue making me pay for this car. They already got the entire sum plus more! Please someone help me. Thank you.
11/02/2015 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan modification,collection,foreclosure
  • MD
  • 21222
Web
The Homeowner fell behind on her mortgage and tried to work out loss mitigation options with her servicer, BB & T. The Homeowner and BB & T participated in a state administered mediation session that concluded without an agreement. As a result of the mediation, The Homeowner knew what documents BB & T needed to continue their loss mitigation review. She submitted those items on XXXX XXXX, 2015. BB & T 's attorney confirmed that he had received the workout package, he forwarded it on to BB & T, and he also confirmed that the Homeowner had submitted a complete package. BB & T 's counsel agreed not to move for a foreclosure sale during the loss mitigation review and agreed that there would be no foreclosure scheduling until at least XXXX XXXX. Despite those assurances the Homeowner received a notice of foreclosure sale date on or about XXXX XXXX, 2015. Currently there is a foreclosure sale date scheduled for XXXX XXXX, 2015 and BB & T has not completed their loss mitigation review. BB & T did not request additional documents for the loss mitigation review until XXXX XXXX, 2015. The Homeowner is in the process of collecting those items.
04/15/2017 Yes
  • Bank account or service
  • Checking account
  • Using a debit or ATM card
  • PA
  • 19464
Web
I used my BB & T issued debit card to get XXXX XXXX from an ATM at XXXX airport in XXXX, XXXX on XX/XX/2017. The ATM machine did not work. After I entered my information and selected the amount of money I wanted to retrieve the ATM screen turned white and after a couple minutes it said that the transaction did not go through and that the machine was out of order. When I came back to the US I was surprised that BB & T charged my account {$210.00} for money that I had not received. I complained to my account manager on XX/XX/2017. She initially told me that I needed to contact the XXXX bank who operated the ATM machine and that she was not there to know what exactly happened. After pressing back and pointing out that her customer service approach did not make sense, she placed me on hold to looked further into a resolution. She eventually told me to stop by a BB & T branch to file a complaint. I complied and filed a complaint and the charge was provisionally reversed on the same day. To my surprise and without further communication from BB & T the charge was reversed and my checking account was charges {$200.00} dollars on XX/XX/2017.
12/19/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • VA
  • 22191
Web
Back in XX/XX/2019, while traveling to Maryland I used the XXXX XXXX ATM. The ATM 's there have no surcharge and this is why I chose to use them. Shortly thereafter while checking my bank account I was informed that the {$3.00} fee was deducted from my account. When I asked why, I was told by the representative that the fee was deducted because I used a non BB & T ATM. First of all I have a BIG problem with this!! I go to work EVERYDAY and I have the money which I work hard for place into my checking account from my employer. This money comes from the XXXX XXXX for which I work, NOT FROM BB & T!! I was appalled to hear this. This is robbery at it's best!! I have inquired numerous times about this and no higher up has called to explain why or to tell me that money will be refunded. If a person uses XXXX XXXX or XXXX XXXX, yes I understand that there will be fees, but not for a non surcharge ATM. I will be very vocal about this and closing my accounts. XXXX XXXX XXXX a wonderful customer service institution has my vote. Perhaps BB & T or XXXX can take a hint from true banking ... they aren't being truthful I can tell you that.
12/04/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • GA
  • 30058
Web
Hello my name is XXXX XXXX. I have not been with BB & T a full month, and the customer service I have received from their employees has definitely been distasteful. My last encounter I begged the account representative to transfer me over to an supervisor. He refused and threatened to hang up the phone on me. I stated multiple times can you please transfer me to a supervisor. It was when I asked him his name. He only gave me a first name and when I asked well since you wont release last name so that I could reference him in my complaint his employee number or anything to tie me back to him he wouldnt. He went straight to putting me on hold without saying anything and there I waited 10 minutes for a supervisor to pickup the line. Horrible customer service. I called BB & T because I was charged 5 overdraft fees. I spent {$15.00} more than I was supposed to but yet I was {$36.00} 5 different times. My account is positive when purchases go through, but I am still being charged overdraft fees, even though im technically not in the negative until the last purchase goes through. This should be illegal and a burden on their Customers.
11/07/2016 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • KY
  • 41017
Web
BB & T charged the bank account for my XXXX for a " service charges prior period ''. When I called to inquire they said a manager would need to call me back. I called back a couple hours later and was then put on hold until the manager could talk with me. A manager is the only person that could reverse the charge. They had no good explanation other than the account was put into the wrong account type when they converted from XXXX to BB & T and they were going to charge the XXXX a fee for being in a business account. When I told them this smelled like XXXX, they very quickly indicated that they would refund the fee within 24 hours and move the account to a not for profit account type which had no fee. I told them that I appreciate that, but I knew that the bank had 100s of XXXX accounts not to mention other not-for-profit organizations. He agreed and I told him charging this fee was totally inappropriate. The XXXX received no communication about this change and I suspect many other accounts have this fee charged to them. I believe the CFPB should look into BB & Ts business practices, this is no different than what XXXX did.
02/14/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Application, originator, mortgage broker
  • TX
  • 752XX
Web Older American, Servicemember
I moved XXXX in XXXX 2015. I had a contract on a house for {$560000.00}. I planned on putting 20 % down and obtaining a 80 % loan from XXXX XXXX. She informed me that I had XXXX late pays from BB & T on a HELOC loan I had with them on my house XXXX. I was livid because I knew I had on late pay in XXXX of 2015. The credit report showed XXXX late pays, XXXX in XXXX and XXXX in XXXX of 2015. I called XXXX XXXX and XXXX XXXX of BB & T to find what was happening. I was never able to get a definitive answer from either man. Only after numerous calls from XXXX XXXX of XXXX XXXX was I able to get a letter from XXXX XXXX ( letterenclosed ) .I was only able to get a first lien from XXXX XXXX for {$410000.00} at 4 1/2 % and a second lien from XXXX for {$38000.00} at 5 1/2 % because of the erroneous late pays turned in by BB % T. Now, 5 months after my closing, I went back to XXXX XXXX to obtain a new loan that would reflect the current loan market. What do I find. The new credit report she obtained had the same XXXX late pays from a year earlier. BB & T failed to do their due diligence and I was having to suffer the consequences again.
09/29/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • FL
  • 34952
Web Older American, Servicemember
This complaint is made against BB & T Bank in that the bank froze accounts belonging to [ Fiance Name ] to support their clearing of an out-of-state check made out to [ My Name ] and put into her account on XXXX. The bank put a 3 day hold on the check and cleared same on XXXX as a courtesy to the customer. The customer was trying to verify the check was a good one and relied on the bank to hold same until funds cleared to ensure its authenticity. The customer/consumer was not aware of what processes the bank used by which to release funds and did not ask for any special or courtesy accommodation in authenticating the check. Point 1 : According to the Federal Reserve Bank, a reasonable length of time for an in-state check to clear funds is determined to be 24 hours and at the most 72 hours ; Point 2 : According to the Federal Reserve Bank, a reasonable length of time for an out-of-state check to clear funds is determined to be at least 5-7 days and sometimes up to 10 ; Point 3 : Items 5 and 6 are usually those relied upon by a consumer making a deposit ; Please see attached COMPLAINT. I have all supporting documentation.
11/04/2017 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Problem with a purchase or transfer
  • Card company isn't resolving a dispute about a purchase or transfer
  • TX
  • 77388
Web Servicemember
A formal complaint against BBT Bank XXXX Account for unauthorized hold last month they withheld a non transaction that was cancelled. For more than 22 days even when XXXX XXXX had provided a code to cancel and a receipt was provided. Next, today I use the XXXX XXXX upon check out the {$15.00} incidentally is returned to the account usually the second day. I went to XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX and the BBT granted their refund for {$100.00} on XXXX/XXXX/XXXX but did n't refund my incidentally fee {$15.00} and they told me after 30 days then a released. BBT Bank practice unfair act toward consumer they hurried up and paid the merchant but did n't take the lift off my account. Who would want wait until they feel like release withholding a misuse there banking privilege against consumer. I would nt recommend this company anymore they have XXXX a cheap call center a $ XXXX to offered poor service to there own customer. Who keep there branch open very little customer maybe they will go out of business and bankruptcy. A horrible XXXX XXXX Account center a unfair practice 30 days to release a XXXX refund is ridiculous.
05/22/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • DC
  • 20020
Web
Regional Acceptance continues to fill my work mailbox with voice mails after I have repeatedly asked them not to call my place of work and have advised them that I would never answer the phone if they called me at work. They call numerous times a day, they begin calling as soon as a payment is late. I had been advised on a few different occasions that they would remove my work number from their calling list and that has not happened. Yesterday I picked up the phone for XXXX of their calls for the XXXX time. I advised them that I had setup a payment arrangement a day prior to taking the call. Again I told them not to call my job. Today, even though a payment arrangement has already been setup, the calls to my job continue. These folks have proven themselves to be so incompetent, they tell you what you want to hear and they keep harassing you. I got back from XXXX 4 weeks ago and found my work mailbox completely full. Because of the numerous voice messages, coming from both an automated system as well as employees calling, there was no mail box space available for actual business calls. I want the calls to my job to STOP.
10/06/2016 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • VA
  • 22304
Web
on XXXX XXXX, 2013 consumer open BB & T Bank checking, thebb & t bank issue debit card AND have been injured and harm by BB & T Branch banking & trust illegal insufficent fees when in facts have the funds to recovered each and every check, deceive consumer alleged discovered her XXXX account have been paid to XXXX, TN for HOME MORTGAGE With XXXX, without consent or authorized as result consumer have been harm injured and her check No # XXXX for XXXX, {$350.00} Unpaid, including significant XXXX unathorized were XXXX, and Paid US postal in debit card, were mislead that did not go through, iduced to make check for U.S. Postal serice, finding XXXX transaction with draw, See Case # XXXX misleading statment consumer purchased XXXX whole sale membership paid by cash, and have been probibited from honoer her membership to purchased food, BB & bank and significant charges insufficient fees in violation of federal banking, Consumer finding the BB & T bank were XXXX account, without disclouser or consent, unabel to worked this account without undoe burdien significant harm caused consumer to defamed & injury suffered significant
06/07/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • WV
  • 254XX
Web
I have had a recurring iss ue with BB & T re versing my online payments the same day that I made them in both XXXX and XXXX . I received notification that my payment was being processed, but no further communication to notify that that payment was reversed on either occasion. I had to re-complete the payments both times, which also resulted in less of my payment being applied to my principal balance. I calle d BB & T when I realized the second occurrence on XX/XX/17 and was not given an explanation. The representative tried to tell me first that the XXXX issue was due to an upgrade to their system, and then that I had paid XXXX on the phone with an account that did not exist. I have made my payments online from the same checking account every month, so the explanation that I had used a different account was absolutely false. The rep did not even try to provide an explanation for the XXXX payment being reversed, nor did she provide an explanation for why I was not notified that the payments were reversed. It appears more that the bank is doing this on purpose to squeeze more money in interest out of me.
01/27/2016 Yes
  • Credit card
  • Billing disputes
  • FL
  • 33156
Web Older American
bb and t banks and credit card issuer numerous problems ongoing basis such as failure to give credit for cash payments made until at least two days later ; failure to monitor online giving of new bank accounts resulting in identity theft to us and not assisting in any way other than to provide XXXX toll free hotlines -- -- XXXX dollars was taken from our church account the moment they issued XXXX new bank accounts to criminals online with little or no safety protections for bank and credit clientele ; numerous credit care issues reported to them on phone and e mail and in certified mail -- all to no avail ; improper interest charges when card was current ; imposing overuse and penalties thus causing the account to go overlimit and then charging fees and penalties for that ; failure to be responsive to valid card inquiries ; failure to remove improper and unauthorized charges ; failed to send me a consumer credit agreement upon the giving of credit ; excessive use fees charged illegally ; failure to abide by state and federal laws for florida federal such as florida unfair and deceptive laws to protect consumers.
10/09/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 31088
Web Servicemember
I have an active auto loan with REGIONAL ACCEPTANCE. This account was opened XXXX XXXX. In XXXX and XXXX of XXXX i made both payments before the due dates yet they both show as late on my credit report. XXXX XXXX XXXX, XXXX and XXXX of XXXX XXXX payments are showing for my account. I have called XXXX XXXX several times to get this fixed and try to find out why this happened. I have placed calls to them XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. Each time i call i am told that they have proof of the late payments and they are not obligated to fix the problem or send me the verification of these payments. I sent XXXX certified letters requesting the verification to which i receive no response. I have even provided RA with copies of my bank documents showing the payments as processed and the statements from RA showing on time payments. These erroneous entries are having a huge negative effect on my credit rating and the fact that noone at RA is even making an attempt to resolve this problem. The last agent i spoke with XXXX XXXX told me if i dont like it i should just do a voluntary repo on the car.
12/30/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 30115
Web
Our mortgage moved from XXXX to BB & T, I had been a XXXX customer for 10 plus years, in those 10 years, we have not been late on any payments. Starting XXXX ( thru XXXX XXXX, BB & T has reported me late to the Credit bureaus although we have not been late. BB & T receives two payments for the mortgage ( one from me and the other from my mother in law ), it appears that one payment is always reversed and is not corrected til a later date ... I have contacted BB & T and they acknowledge that I have not been late and correct it in their system, however, when I asked for the Credit bureaus to be corrected, BB & T is not correcting the CB 's. My score has dropped over 75 points. I am trying to purchase a house and this has had extreme negative impact on my score. In addition, had I not been monitoring my credit as closely as I do, I would not have seen this issue and it would be too late for resolution. I have tried to work with BB & T as well as the credit bureaus ( submitted disputes ) with no corrections in my Credit Report. I need to have my credit report corrected to reflect that i have NOT been 30 days late.
09/11/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • OH
  • 45805
Web
Hello, I am writing to dispute the following information reporting on my credit reports. This item is with XXXX XXXX. The information reporting is inaccurate because I am no longer responsible for this debt. The vehicle was sold by XXXX XXXX through XXXX XXXX XXXX XXXX/XXXX : ( XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Oh. XXXX ) on XX/XX/2017 ; After being told that I could recover the vehicle by XXXX XXXX ( XXXX XXXX. Representative ). I sent in all of the required documents to XXXX by the due dates, and on my way to recover the vehicle, I learned that the vehicle was sold before our agreement. Since then I have contacted XXXX XXXX several times to find out how much the vehicle was sold for and to see if there was a remaining balance ; The company has n't contacted me with any information. I have disputed this information with all three credit bureaus and still there has n't been a proper resolution. I will attach copies of the correspondence between XXXX XXXX and I, supporting my position. Please investigate this matter as soon as possible. Please see the notes attached on each document. Thanks, XXXX XXXX
06/12/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • GA
  • 31520
Web
I r ecently got a BB & T credit card and was told that the card came with zero interest on purchases with 21 p ercent monthly for cash advances. I was then told on a recorded call to the company that all payments would cover the highest interest product first then everything else. I was told that my cash advances would be paid first because they are the highest interest and that as long as I pay for that amount then I would never get interest. I took out a cash advance of XXXX on XXXX XXXX 2017 and then paid XXXX on XXXX XXXX and then XXXX on XXXX XXXX . Even though I was told on a call to BB & T, that they recorded, that it would zero out my cash advance and I would have no interest left to pay when I deposited the money I saw that my cash advance had not gone down. When I called them they told me that my payment was applied to my previous balance, of zero interest purchases, not the c ash advance that I had took out two days ago. Now I have steal acc umulated interest after they told me that if I made that payment that I would n't point blank. This is all recorded and on their records.
12/19/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NC
  • 283XX
Web Servicemember
I purchased my Family home from my Mother giving her a life estate, in XX/XX/2016 my Mother Died, the bank was notified with death certificate and at that time I presented the bank with my registered deed and my intentions to keep the house as its my primary residence. I ask BB & T what the payoff is, BB & T refused to talk to me. so I withheld payment and told BB & T I wanted to pay off mortgage BB & T still refused to acknowledge the interest I had in the property as a heir and owner. I called almost weekly for a time trying to find out information when foreclosure proceeding started my Attorney ask for payoff he was not able to get a correct answer from the Trustee ( XXXX, XXXX XXXX ) for over a year this continues, BB & T got the foreclosure so I appealed the decision which is where we are at now. Finally the bank recognizes I am owner and heir, ( Attached ) I do not think BB & T followed the Guidelines of the current regulations. if the bank had followed the guidelines the house would have never gone into foreclosure thank you for any assistance you can provide. Loan number : XXXX XXXX XXXX XXXX XXXX
04/10/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • MD
  • 20745
Web
I purchased a vehicle in MD in XX/XX/XXXX. My credit was not good and I needed a vehicle because my previous one was out of service. I accepted a {$500.00} down payment with a 24.999 % interest rate. I was not financially literate at the time and just took what I could get to have a vehicle. The purchase price of the car was around XXXX and now over 4 years later of making on-time payments, I still owe a little overXXXX on the loan and the car is only worth $ XXXX- {$2000.00}. I do n't have gap insurance and I feel that I was a victim of predatory lending and need assistance. I have already paid over XXXX on this loan with over XXXX remaining. I want to get out of this loan, but my options are limited. I have even considered getting another car and returning this one to the finance company as a voluntary repo, but really do n't need another negative mark on my credit history. The car dealer involved was XXXX XXXX XXXX XXXX XXXX XXXX, MD and the finance company is Regional Acceptance Corporation based in NC, they are a subsidiary of BB & T bank. Any and all assistance will be greatly appreciated. Thank you.
08/12/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • TX
  • 78852
Web Servicemember
I 'm a XXXX veteran living on benefits, got a car on XX/XX/2014. Then fell into financial hardships, got behind on car payments. I knew that there would be late fees as it read in the truth and lending disclosure bracket of XXXX % after 10 days of said scheduled payment. Then come to find out that lenders were charging us what they called " a {$6.00} per diem PER DAY!!! '' if our full payment was not received on the XXXX of every month, on top of the XXXX % late charge fee! Then they take our monthly payment, deduct their " {$6.00} a day per diem late charge first, then the late charge of XXXX % also gets deducted, then and only then whatever money is left gets the principal deducted. I called them to say that I did not see this on the contract or have any knowledge of this crazy rule. If I would of, there is now way in the world I would of signed. Their reply was you " should of read your contract ''. Now we find ourselves so deep in this hole and lost a lot of money, do n't know what to do. I 'm XXXX here with this, it just does n't feel right! Asking for some assistance and information in this nightmare!
05/17/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • VA
  • 230XX
Web Servicemember
On XX/XX/XXXX, BB & T charged me two separate {$36.00} overdraft fees based on " pending '' transactions. On the morning of XX/XX/XXXX I made a cash deposit to cover all the " pending '' transactions. The transactions which allegedly instigated an overdraft were still " pending '' at 4 pm on XX/XX/XXXX. The bank does not issue the overdraft fee based on the posted balance, but instead counts " pending '' transactions.This is an unfair practice, since some merchants may place a hold on an account without the intent of initiating a charge for the amount of the hold. An electronic payment may be " pending '' for several days before the dated agreed by the merchant and consumer, e.g. automatic payment for a XXXX/XXXX bill. Secondly, this practice of using " pending '' transactions as the basis for determining overdraft was not plainly presented when I opened the account. Its plain the bank is exploiting the lack of clarity in timelines and processes for electronic transactions to exploit the consumer through fees. After speaking with a customer service representative the bank refunded a single overdraft fee.
03/04/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AL
  • XXXXX
Web
I am a XXXX XXXX XXXX XXXX with the State of Alabama. I contacted my friend XXXX XXXX at XXXX XXXX in XXXX, Alabama to purchase a New XXXX Truck under my Company 's Name using it's XXXX Number and EIN. He explained to me that I would have to Guarantor the loan in which I new. I inquired about a New XXXX truck, explained to him that my XXXX score was a XXXX and that I only had 1 Tradeline. I made specifically clear to him to tell his Sales and Finance Manager to only pull my credit once, to only use my XXXX Credit report and to only send my loan request to XXXXXXXX XXXX. Well that did not happen, XXXX XXXX pulled my credit 3 times and they sent my loan request to 19 different lenders in which is fraudulent and unacceptable. I did not give them permission to blast my information to all of the Lenders they sent them to with me knowing that my XXXX report was the only hope I had. They took advantage of me, lowered my credit scores and now preventing me from Refinancing some commercial property I am buying on a lease purchase. I want all of the credit inquiries removed from my Credit Report Immediately.
09/26/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 32927
Web
I had a debt with a car loan. The debt was sent to collection agency. I paid and settled with the collection agency to resolve the debt. This was almost 2 years ago. All 3 credit report bureaus removed the debt after I submitted a letter from the collection agency. They reported it as {$0.00} owed. 6 months ago ONLY XXXX showed there was still as amount of {$2900.00}. Everyone shows {$0.00}. I started a dispute. contacted the original company as well as the collection company to confirmed. Both agreed it was resolved. I submitted my letter to XXXX. It is now 2 months later and this STILL shows up. Ultimately, as of yesterday it cost me getting a car loan at 8 % to now 10 % ... .that {$70.00} more a month times 72 months for their in correct information. I am very frustrated and do not know where to turn to have this removed. Ironically, the added payment is more than even the original debt. This is not fair to consumers and I feel i have to accept this blemish on my report from XXXX ... note : IT'S MY ONLY BLEMISH ... Original Debt : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX who totally botched : XXXX
09/13/2017 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • SC
  • 29205
Web
On XX/XX/XXXX I had a check deposited into my account Check # XXXX Bb & t Bank charge me an overdraft fee twice. I called the bank on the same day to make a deposited into my account to avoid the fee. The same day the check was presented to company is the same day they charge me the overdraft fee. The did n't wait for the next business day to charge the fee, like they normally do. And also, on that same date I was also hit with another overdraft fee for a {$2.00} withdrawal. So thats two overdraft fee 's in one day. Fast forward to today XX/XX/XXXX. I went to the atm to make a deposit ( XX/XX/XXXX last night. My account said XXXX and change ... I wake up this morning XXXX check to my account. And now another XXXX over draft fee. ( How ) if i made a deposit last night of {$110.00} and was already XXXX and cents. I am starting to think this bank is robbing me ... {$100.00} in fees in under two weeks. and they ca n't do anything for me ... I ca n't afford these types of fees. Its starting to look like predatory. I would close this account. But its not in my best interest at this present time. Thank You.
11/17/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • IL
  • 60435
Web
XX/XX/XXXX my husband and I took an auto loan from Regional Acceptance Corp for a XXXX Ford Escape. In XX/XX/XXXX the vehicle was totaled in a car accident that was not my fault. At this time we were still making our monthly payments of {$370.00}. Our insurance company, XXXX, required a payoff amount from them and XX/XX/XXXX sent a check to them for {$6600.00} to pay off the vehicle. We are now buying a house and found out that they have been reporting us late to the credit bureau every month since then stating that we still owe them {$3700.00}. I have been calling them to discuss this 4 times a day everyday for the past week. I can not get anyone to answer the phone and I have left over XXXX messages and have not received a call back at all! This false debt is the only thing standing in the way of my husband and I being approved for an FHA mortgage to buy our home. I do n't know what to do now. I have had nothing but problems with them since we acquired our loan XX/XX/XXXX and I have read nothing but negative reviews about them concerning all of the same problems as we are having!!! Please help!!!
09/09/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Closing an account
  • Can't close your account
  • VA
  • 239XX
Web Older American
I went to the XXXX XXXX branch and they told me they could not close my account or give me the funds and they sent me to another branch telling me that branch would/could cash out/close my XXXX XXXX XXXX account. Drove 20+ miles to other branch and then got told there they misunderstood and did not know I wanted all the funds but would give me only {$4000.00} of my $ 34,400+ account. I spoke with XXXX and then the branch mgt. XXXX and explained I wanted to close my account and get the CASH. They told me they could not give me money and could give me cashiers checks, BUT they gave me 2 cashiers checks for {$15000.00} each, made to me ... but I could not cash them or get them cashed and I would have to wait until XXXX or XXXX for them to get the money ordered and in so I could cash the checks for CASH! Now, today, I am told by XXXX, mgr., that they did not order my CASH in time so I will have to wait another week ... Meanwhile BB & T has MY money, they claim it is out of MY account ( in their bank still ) and no interest they owe me and they refuse to give me MY MONEY! I WANT MY MONEY THIS WEEK!!!!
12/20/2018 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Confusing or missing disclosures
  • NC
  • 28120
Web
I was trying to purchase football tickets from an online seller. After communication via text and phone conversation with the seller he suggested using XXXX, which was offered through both BB & T and XXXX XXXX XXXX. The seller suggested using this method because it was through both of our banks and it was secure. He said that it was registered through his bank and that if I did not get the tickets I could file a claim through the banks. None of this is true. XXXX is set up on the banking websites but they do not actually protect from consumers getting scammed. This is horrible business. Any services offered by a bank should come with some sort of consumer protection. If i were to use my credit card for these services it would be backed. this is a poor way for banks to set their customers up to be vulnerable to scams. remove the XXXX app and options until more protection like that offered by XXXX can be offered. requested a refund from both my bank and XXXX XXXX XXXX and neither offered any solutions at all. they expect their customers to just eat the cost of these scammers and offer no solutions.
08/30/2015 Yes
  • Mortgage
  • Other mortgage
  • Application, originator, mortgage broker
  • FL
  • 33437
Web
Submitted a complete package to BB & T asking for assistance with mortgage, in letter dated XXXX XXXX from BB & T and received on XXXX XXXX by mail, BB & T in effect asked us for updated financials and an additional piece of information - a letter of income contribution from wife of income shown in bank statements in package. Today, Friday XXXX XXXX we found out that on XXXX XXXX BB & T sent a motion to the court asking to schedule a foreclosure sale by looking at the court docket, we were not even noticed. We found out because someone came to the house telling us that they were made aware that we wanted to sell the house, we said no, who told you so. In following up on what this visitor said we looked at the court docket which showed that a motion was sent to the judge asking to schedule a sales date, we were not even noticed by BB & T. See a copy of the court docket showing a motion sent to the judge asking to schedule a sales date. This shows that there is no intent by BB & T for us to be fairly examined for alternatives to a foreclosure sale. Their sole intent is for us to be foreclosed on.
09/28/2015 Yes
  • Bank account or service
  • Other bank product/service
  • Using a debit or ATM card
  • PA
  • 175XX
Web
On XXXX/XXXX/2015 I got a call from there fraud prevention they ask if I ok a certain transaction on my XXXX XXXX card I said no.They canceled my card. I called Susquehanna Back they gave me the # for the place that charged my card. At that time I was told the person I talked to told me she will order me another card. It would take 5-7 business days till i get it. Well on XX/XX/XXXX2015 the day before I was going to leave to go out of town I called the bank to find out my card was never ordered I hung up on them. After I cooled of for a little I called back and told the person I was leaving to go on vacation the next day she said OH MY and I said OH MY is right. I did n't want to carry cash with me she said to come into the bank to get travelers checks. I should not have to change my plans because they have incompetent employees. So I had to cancel my vacation ( fishing on the outer-banks with friends because of their screw up. I waited all year for this and was not going to have my friends hold money or checks for me. I want some kind of action from this bank I am out my deposit for the trip
12/15/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • WA
  • 982XX
Web
I purchased a car in XXXX. I received a loan from an outside company that was obtained through the dealership. I never received any information from them nor a contact for them. I never received any mail with any billing information. Car was repo 's yesterday due to non payment and the guy who took it was nice enough to give me the name of the company that asked him to repossess. I XXXX and emailed an entity which I believe is them and they responded stating due to Hipaa they can not tell me anything ( even if they are the company ) and im supposed to call during their business hours which are XXXX eastern time. I work full time in a callcenter and is going to be about impossible to reach them via phone without taking time off. I was in the middle of moving when car was purchased but the mailing address ( po box ) never changed and I had mail forwarded at old address so even if they sent to that one I should of received some sort of billing. And if the dealer opted me into paperless I would of received some sort of email. Horrible customer service, can not pay if I dont know who /how to pay.
07/01/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • FL
  • 33625
Web
On XX/XX/XXXX the account was charged an overdraft fee when not overdrafted. The account was at {$16.00} AFTER a {$36.00} overdraft fee was charged. The next day the account was charged another overdraft fee after a different purchase put the account in the negative because of the fees. There was a deposit of {$370.00} that put the account back in the positive. On XX/XX/XXXX, the account was hit with 5 overdraft fees for {$180.00}. The account after the purchases were made was at {$130.00} and only went negative because of the excessive fees. The account was then at - {$50.00}. I transferred {$300.00}, which did not post until the XXXX. 2 more overdraft fees were incurred on the XXXX. The account is currently negative at - {$130.00} because of {$320.00} of overdraft fees. At most, the account should have been charged 1 overdraft fee on XXXX but that also would not have happened if not for 2 dubious overdraft fees on the XXXX and XXXX. I have contacted the company and filed a complaint with XXXX as this is the 2nd time the company has appeared to use creative accounting to maximize fees.
12/18/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • MD
  • 21740
Web
For the second time since XXXX 2016, the principal that was to be applied to my home mortgage was not and instead held in suspense. I am striving to pay my mortgage off within a year of XXXX. The mortgage payment ticket was completed correctly both times by me ( XXXX and XXXX ). The first incident involving the error took 3 weeks to correct and apply the payment to the mortgage principal. I received a letter from BB & T Bank dated XXXX and noticed that the full amount of the principal was not deducted. The payment amount was {$3500.00}. {$3500.00} is in now in suspense. This is disrupting my goal of paying the home mortgage off because BB & T is not applying the extra principal to the home loan. I am under the impression that BB & T is purposely holding the extra principal in suspense so that I will ultimately be paying more interest or someone is stealing money. This kind of mistake is unacceptable 2xs within 6 months. After contacting XXXX branches in XXXX, MD and the customer call center the issue is still not resolved. I received a statement dated XXXX and the mistake is not adjusted.
02/20/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • TN
  • 379XX
Web Servicemember
Regional Acceptance Corp. ( RAC ) records show that my vehicle was repossessed and sold by RAC in the state of North Carolina and resold on or about XX/XX/2017. The balance remained on my account after the sale of my vehicle. In connection with the repossession and sale of the vehicle by RAC I was NOT sent ANY post repossession notices which are mandated by North Carolina Law, I was not sent : -Notice of Default and Right of Redemption/Right of Reinstatement -Notice of Sale -Post-Sale Notices Under the laws of the State of North Carolina UCC and State XXXX and XXXX statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. RAC is continuing to report inaccurate information on all three credit bureaus. I disputed this information with the 3 bureaus ( XXXX, XXXX, XXXX ) but RAC tells them their reporting is accurate so not one bureau will remove this account - or even update the balance - or even mark the account closed. This is a violation of the FDCPA and FCRA.
03/18/2017 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • FL
  • 33437
Web
Recently received calls from BB & T telling us that there are modification options available to us. We have submitted a complete modification package for review two times but have not received a confirmation of recept. According to the Bank 's lawyer nothing has been received. So we asked her for her fax number to send her a copy to see along with our prior fax confirmation records. The fax that she gave us would not accept our fax, we tried numerous times ( sent bank 's lawyer record of failed fax transmission ), so we sent her the documents via XXXX. She claimed she could mot see the Application in XXXX. So we asked for a second fax number as there was something wrong with the first, she then reveals that she gave us the wrong fax number. So we faxed off the application for about the seventh time for the day and asked for confirmation of receipt which she has not done. Nevertheless she has set a court hearing to ask the court for a sales date with full knowledge that a completed modification application has been submitted for review and she was in receipt of a copy for yourself to see.
04/11/2017 Yes
  • Bank account or service
  • Other bank product/service
  • Making/receiving payments, sending money
  • GA
  • 30252
Web
Today I attempted to pay off a loan with BB & T on their website ( {$8200.00} ). Though that amount was a payment option, it would not let me pay that amount. I received a message that for payments greater than {$1000.00} I would have to call, which I did. After several frustrating minutes wading through a voice prompt system, I was finally prompted to enter my payment information. After entering the information, I was notified that I was being transferred to a human being. After remaining on hold for several minutes I was told that I could only pay {$5000.00} over the phone, at which time I asked to speak to a supervisor. Again, after remaining on hold for a few minutes, I was told the same thing by this supervisor, who refused to transfer me to a higher supervisor. I explained that this was unacceptable, but then said I 'd make the {$5000.00} payment today and the balance tomorrow. At this time she said she could n't log into the system to do it, and put me back on hold. Totally frustrated, I hung up. So, I 'm now being charged additional interest on a loan I simply want to pay off.
06/13/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NC
  • 282XX
Web
I received a phone call from a " BB & T Fraud Specialist '' from the phone number associated with BB & T Customer Support. This individual called me by my appropriate name and stated there was suspected fraudulent activity on my account. They stated an attempted charge which I didn't attempt which I responded " no '' to attempting. After this they repeated back to me various charges which my husband and I had completed with our checking account. I found out later that this was a spoof call, despite coming from a legitimate BB & T phone number. As they had personal information such as my name, phone number, and recent legitimate charges, I believe that this was an internal hack at BB & T resulting in the spam/fraud of my person. When changing account information at a BB & T branch location, they also mentioned that at least 6 other consumers came into that branch with the same issue. As a result, I have changed my phone number, opened a new email account, have changed all passwords associated with various online accounts, and closed/opened a new checking/savings account with BB & T.
02/13/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 947XX
Web
I had an accident EXACTLY three weeks after I bought my bike, an incident which my bike was completely written off. The insurance company was supposed to pay in full but failed, so I ended up paying the remaining balance 3 months to payoff. I have maintained a perfect record by making the regular monthly payment since. But to my surprise this company still kept reporting late payments on my accounts which is 100 % erroneous. This letter is a written proof of my intent to resolve this matter and have these inaccurate data expunged from my report before pursuing legal action. For yet XXXX last time, the following account late payment history are erroneous : XXXX XXXX XXXX, ACC # XXXX, Date Opened XX/XX/2018, Balance {$1400.00} The reason for my filing of this complaint is to first and foremost express my willingness to prosecute by filing a court case against this company for : 1. Failing to report accurate information to the bureaus. 2. Failing to provide a written Notice before including a late payment into my credit report, a clear violation of California credit act as well.
07/24/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • TX
  • 76002
Web
I called into to cancel my payment due to fraud. Dated for tomorrow. I was advised that they would cancel it tomorrow once I called in with my new payment. I explained several times I wanted it cancelled today. I was advised she could n't or would n't do it. Then told due to my delinquency I would have to speak with management. I asked why it could n't be cancelled was told I needed to set something up. Her name was XXXX the debit payment was never cancelled after again explaining it would n't go through due to closing out that debit card. I felt like my checking information was held hostage with nothing for me to do except comply with their demands. I called back to speak with a rep and asked their speedpay policy. All she could tell me was it depends on how far past due you are. I flat out asked could they cancel my payment and was told I still needed to speak with a manager. I should n't and wo n't go through all these hoops to cancel a payment. If I needed it cancelled it should have been done. I planned on calling in tomorrow to set pmts up with my new checking information.
06/29/2017 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • PA
  • 19002
Web Servicemember
On XXXX / XXXX / 17 a deposit was made for XXXX . The deposit is made monthly to cover the BBT mortgage. No notification at the time of deposit was received at the XXXX XXXX on XXXX XXXX indicating that the funds would be held due to an old computer system being used. I did not notice until later when looking at my online account that the funds were being held. This deposit always clears during the nightly cycle. As such all transactions during that time frame caused the account to be overdrawn. The account experienced overdrafts of {$180.00}, {$36.00}, {$100.00}, and {$140.00} totaling {$460.00}. When I spoke with the branch I was told by the rep XXXX that they consider these held funds when taking the fund off hold. meanwhile, the funds had been withdrawn from my husbands account on XXXX . This allows the money to be available t o BBT yet not in my account. Additionally they now earned Overdraft fees by not releasing the funds for a week when they had them on XXXX . I called to ask that the OD fees be reversed and they said they would only give XXXX dollars.
09/13/2016 Yes
  • Mortgage
  • Other mortgage
  • Application, originator, mortgage broker
  • GA
  • 30269
Web
We began the process with BB & T of a construction to permanent loan. After demonstrating we had sufficient income, credit, and down payment, we were extremely disappointed in the due-care and professionalism of our mortgage contact at BB & T. Our appraisal, although told by BB & T would take about 2 weeks to get back, took over a month and a half. The first XXXX versions of the appraisal were based on the wrong set of architectural plans and the next XXXX versions contained XXXX of XXXX houses in different school districts and XXXX of XXXX houses that were over 20 years old compared to our new construction. Our mortgage contact at BB & T was unresponsive, did not return emails, did not return phone calls, and acted in a manner that lacked professionalism. His response to my frustration with the entire process was simply to state, " duly noted. '' We have expended considerable time and energy to at this point and were extremely frustrated that we had to fire BB & T even though we met all of their pre-approval requirements and could just not get adequate professional service.
12/19/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • WV
  • 25404
Web Servicemember
BB & T sent balance and check clearance notifications by email before the bank was open, between XXXXam and XXXXam, then charged an overdraft fee for a single item as soon as the bank opened, which then generated an overdraft notice by email. Processing transactions and sending notices outside of banking hours, especially at XXXXam-XXXXam gives no opportunity to me to do anything about any notices I receive. BB & T reordered my transactions. There are two electronic deposits pending which each are an amount that would cover the overdraft on it's own. I regularly see BB & T hold transactions as " pending '' for an extended time, both credits and debits when the account balance is low. It is obvious that BB & T 's computer system has been set up to both hold and reorder transactions when the balance is under a certain threshold in order to generate overdraft fees. I have previously warned BB & T that I will close my accounts and change banks. I have already closed a money market account and will close my checking account next if my transactions are rearranged or held again.
09/19/2015 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • FL
  • 34746
Web
I tried to dispute this case with BB & T and was treated very poorly in many nice words.I am attaching the letter I gave them. I overdrew my account XXXX yet I got charge XXXX times for a total of {$460.00} instead of {$72.00}. Why am I disputing this? Well according to their posting procedure which should have been posted in order I would not have had this issue. I first spoke to the senior personal banker and I know she do not really wanted to clear this.I am just speculating. I apologize if I am wrong. I also spoke to the manager seemed to understand but said to me that It would not be fair to treat me special ( XXXX/XXXX/2015 ) .I do n't care to be special just do n't rob me or anyone blindly. At least XXXX XXXX XXXX and XXXX do not deceive their customers in their disclosures. They state clearly that they can change posting orders which I am sending to you to see what they have on paper. BB & T representative at the branch said it is considered a hard posting. I do n't see how the computer system coincides with their policy. I am willing to take them to arbitration.
09/10/2019 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • CA
  • 92782
Web
BBT will not allow me to close two of my checking accounts without mailing in a notarized and typed letter. BBT states that they can not close the account when there is an existing balance. There's {$2.00} in one account. I've told them to either mail the amount to me in a check or allow me to pay the money to the bank ( whatever it takes to close the account ). This will be the third month I will be charged {$15.00} for not meeting the minimum requirements for the accounts, but I do not use the accounts anymore because BBT does not have a branch in the state we have moved to. This has been an unnecessary and prolonged headache that should've been resolved months ago. It should not be this difficult to close my own account. I understand wanting a paper trail of accounts that are closed, but you don't need to make the customer type out a letter, find a notary, and mail the notarized letter when it's XX/XX/2019. I can verify my identity and BBT can make their own note of my closed account without inconveniencing me just to make {$15.00} a month on an account I can't close.
11/03/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Credit denial
  • AL
  • 35124
Web
On XX/XX/XXXX, applied for an auto loan but not with BB & T with XXXX XXXX XXXX ; however, I received a denial from BB & T that my credit score is XXXX ( correct ) and that : I have Serious Delinquency and Derogatory Public Record or Collection - not true. The only collection is an old medical bill that has been disputed several times and removed from Transunion. Proportion of Loan Balances to Loan Amount is Too High - this is a bald-faced lie! ( See attached ). Excessive Loan to Collateral Value - this is a bald faced lie. The car I thought I had purchased is a XXXX XXXX XXXX with only XXXX miles at a XXXX XXXX Book Value of {$22000.00}. This car was sold for {$18000.00} with a XXXX XXXX XXXX trade-in with a value of {$6000.00}. Excessive Obligations in Relation to Income - another bald-faced lie! ( See attached ). All my student loans are in forbearance and the bulk of them are on IBR with a $ 0 monthly payment. I have always had a problem with this bank even for opening a simple checking account. This consumer is requesting a fair assessment of my credit.
04/23/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • TX
  • 78746
Web
BB & T was unable to close at the date/time committed to in writing, which resulted in financial harm to me. More specificially, 1 ) BB & T 's loan officer committed to me in writing that I would receive a check for {$1500.00} as a refund of appraisal costs. The relevant portion of his email to me reads : " The refund for your appraisal costs has also been approved by regional management. The refund for the appraisal will be sent out in the form of a check via overnight mail once your loan has closed. '' After my loan closed, BB & T has refused to reimburse this cost, as promised. 2 ) BB & T committed ( again, in writing ) to reimburse me for additional monetary damages I suffered as a result of their delay. I provided detailed written documentation of these damages, amounting to {$2000.00}. However, BB & T has ignored my communications, providing nothing in response. Therefore, BB & T owes me a total of {$3500.00} that they have committed in writing to paying, all of which has been clearly documented. Instead, they are ignoring my communications and refusing to pay.
10/01/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 32927
Web
I have tried to correct this. I have received SEVERAL calls from XXXX XXXX regarding this matter and STILL not resolution. ACTUALLY it is now WORSE. Spoke to someone Friday, they told me to dispute, spoke to another person the same day told me NOT to dispute that it would correct over the weekend feed? NOW today someone else calls from XXXX with no obvious knowledge of ANY calls and tells me it is ok now.? Well it is NOT, it is NOW worse. AND STILL SHOWS A BALANCE? What is going on here. Now it shows REPOSSESSION??? which was NOT there before ONLY XXXX is showing this. I called them again today and they said XXXX sent them the information? And still a XXXX balance on my report. this has NOW cost me on my new car loan {$60.00} more per month because of this error/ Multiply that by 72 months ... .MORE THAN THE ORIGINAL AMOUNT EVEN OWED. Tired of the runaround and the false promises. I have tried to call XXXX ... 7 times today ... and have gotten NO WHERE. i want this resolved NOW ... .do i need to get legal representation to resolve this?? I want a CALL TODAY by XXXX.
07/24/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • DC
  • 20011
Web
I n XX/XX/XXXX I purchased a XX/XX/XXXX used car from XXXX XXXX . Due to my credit situation at the time, I was charged 24 % interest on the car loan. Fast forward to to day, XX/XX/XXXX , and I still owe the same amount as I originally fi nanced XX/XX/XXXX ( yes, that is after 7 years of payments ). I have been to several car dealers ( XXXX , XXXX & XXXX ) and every time we try to get a straight answer about my loan we are told different stories, with no proof provided by XXXX XXXX . After attempting to trade the car in ( to no avail since XXXX XXXX was saying that I still owed XXXX after 7 y ears ), I let the m repossess the car, due to the frustration of still paying a note with no " pay down '' value. Now, as I am trying to get another car, even though I do not have the car ( I have proof that the car was reposed ) XXXX XXXX is holding up the process by not " selling the car at auction '' and not saying they have the car so other lenders want me to produce the car. My credit is tanked as a result and I still do n't have a car.
06/29/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • DC
  • 20019
Web
I purchased a vehicle in XXXX XXXX. The vehicle was totaled on XXXX XXXX, XXXX, and the bulk of the loan was paid by XXXX XXXX on XXXX XXXX, XXXX. The remaining balance was covered by GAP insurance, however, the GAP insurance company needed information from the lender to payout the claim. From XXXX to XXXX, I contacted the lender several times in reference to them submitting the requested information for the GAP claim, however, they never responded. Instead, I would receive infrequent calls from their collections department demanding payments. In XXXX, XXXX, I spoke with XXXX in upper management after receiving a collections call and she indicated that she was not sure why the requested information was not sent to the GAP insurance company. She submitted the information to the GAP insurance company and the claim was immediately paid. I received a refund from them for monies paid towards my down payment for the car, and an adjustment of the late payment fees, However, they are reporting and verifying to the credit breau that I was six months late on my payments.
04/14/2016 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • MO
  • 63755
Web Older American
We appreciate your help with this matter. The bank involved is BB & T branch located at XXXX Ky. XXXX. We have a business check card connected with the account. We went over the amount of funds in the account. The amount that was overdrawn was {$8.00}. There is no overdraft protection associated with the account. We feel that since the business check card is a visa, they should be able to not allow the card to be used and go over the amount of funds in the account. BB & T bank continues to add fees to the {$8.00}. As of XXXX/XXXX/16 the amount of fees added is {$220.00}.! We emailed BB & T bank to request closing the account and that we would send them the overdrawn amount of {$8.00}. They replied that we could not close the account until we went to the branch in person to do so. We sent another email explaining that we had moved out of state, and that it would not be possible to go to the bank in person. In the meantime BB & T bank continues to add their fees. We hope that you may be able to help us and that they will change their business check card policy.
09/10/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • FL
  • 33928
Web
BB & T foreclosed on my home despite many attempts to work with the lender. The Plaintiff is in violation of Dual Tracking in that I have not been allowed ample time to execute all actions to avoid a Foreclosure. My modification was declined XXXX/XXXX/15 and the auction proceeded on XXXX/XXXX/15 leaving little time to explore other options such as the HARP program or Short Sale. Furthermore, I had asked for assistance before ( in BB & T 's ) records yet no record of sending a Loss Mitigation package was unable to be produced. The lender has not been able to provide an original contract. The transfer from the previous mortgage company to BB & T has not been recorded. BB & T claims that the Civil Circuit Court is unable to adjudicate the Case as Dual Tracking is a Federal Matter. The Plaintiff and the defendant filed motions, neither of which was ruled upon in the court, yet the auction continued. The loan could also be considered predatory in nature as the mortgage amount {$1600.00} / mo. leaves a household of XXXX well below the National Guidelines for Poverty.
04/24/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • XXXXX
Web
I purchased a new vehicle on XXXX XXXX XXXX at XXXX XXXX in XXXX , FL. For that purchase I traded in my XXXX XXXX which was Financed with XXXX XXXX XXXX , XXXX XXXX obtained a 10 day payoff in order to send XXXX the correct amount owed. I started receiving collection calls from XXXX around XXXX XXXX asking for payment from me I stated that I traded the vehicle in on XXXX XXXX and they should have received the payoff check from the dealership already. It turns out that XXXX XXXX supposedly sent the check to the wrong bank which caused a delay. XXXX was aware of this but still reported me to the credit bureau as being 30 days late making a payment which I was never late in making my payments this was the dealerships fault in sending the payoff late which in turn they ended up having to pay more money. I am furious that my credit was affected by this. I disputed it with XXXX but they did not remove it. The Dealership overnighted the payoff check on XXXX XXXX and now my credit suffers because of it.
02/24/2018 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • FL
  • 347XX
Web
My checking account became overdrawn due to an error on my part. I understood that I would get charged a fee, which I was for {$36.00}. No issue there. But the problem occurred when I continued to get charged {$36.00} for the same item. I was originally charged {$36.00} on XX/XX/XXXX. Charged again on XX/XX/XXXX. Again on XX/XX/XXXX. And again on XX/XX/XXXX. When I called the bank ( BB & T ) I was told that the same item had been submitted on four separate occasions and that I would get charged a fee every time it was submitted. Keep in mind, I have no control over how many times the item gets submitted. BB & T would not credit back any of the fees for this item, so I ended up paying {$140.00} in fees for an item that totaled {$110.00}. Emailed BB & T on multiple occasions and the answer was always the same, they will charge a fee every time it is submitted. This is really unfair to the consumer, as the consumer has no control over it. Yes, I did make the initial error, but after that it was out of my control and BB & T just kept ripping me off. Please help.
09/09/2018 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • VA
  • 23803
Web
***ADDING TO PREV COMPLAINT*** Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/2018 IN ADDITION to being charged a {$36.00} nsfw for a bill payment that came out in error, they are now charging me 2 more fees. I pulled up my bank account on Sunday, XX/XX/XXXX & now B.B. t had me at negative - {$88.00}. I called spoke to XXXX at XXXX. They charged me 2 more fees for XXXX charge if {$4.00} and XXXX XXXX {$15.00}. I want these fees removed now 3 fees at {$36.00} each so I can close this account. Ill cleared my last balance and had a positive balance. I even tried to close my account and dispute XXXX transactions that keep running through this bank. I tried online with no help and I tried via phone and the rep told me to contact XXXX. Ill never recommend family or friends to come here & report this to the news and social media and I will seek my attorney if its not resolved. Ill never do business again here nor recommend family & friends to this bank. I want the 3 fees of {$36.00} waived so I can close this account asap.
02/04/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • TX
  • 75077
Web
My wife and I own a business, so when we moved to a new office space, I went to open a secondary business checking account at BB & T near our new office. The banker pitched a business credit card to me and I told him we could see what credit line we were pre-approved for. He called me back and said that our card was approved for $ XXXX and that everything was set to go. However, come to find out, he opened a new personal lines credit card in my WIFEs name only without her express consent and even went as far as signing her name onto the card application, as she never visited the bank on any occasion. They began reporting inaccurate information while I was attempting to escalate this matter and now the reported late payment has delayed our home closing due to our APR being increased, which would result in additional payments of $ 35- $ 40k over the 30 year loan period - we NEVER have any late payments on ANY of our accounts, so this has really damaged our credit, in spite of this being a fraudulent account and not being any fault of our own whatsoever.
02/24/2019 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • TX
  • 78705
Web
Re Account # XXXX at BB & T Bank BB & T Bank has refused to close my deposit checking account and has charged service fees even after a written request to close the account was submitted. BB & T further will not allow me to withdraw funds from the account using bill pay, debit card, or check. On XX/XX/19, I sent a message to BB & T Bank via their secure online message center. The message stated " Hello. I'd like to close my BB & T deposit checking account : XXXX. Thank you, XXXX XXXX. XXXX. '' They have refused to close the account. On XX/XX/19, the account still hadn't been closed and I was assessed a {$12.00} " MAINTENANCE FEE. '' I followed up again asking that BB & T close the account and reverse the fee since I'd submitted a written request to close the account five days earlier. They refused to reverse the fee and again refused to close the account. I've since followed up multiple times asking that the account be closed and that the matter be escalated to a supervisor for resolution, but they have continued to refuse to resolve the matter.
09/09/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • GA
  • 30907
Web
In XXXX I sent a complaint to BB & T, because after two years of responses to my RESPA QWRs from XXXX XXXX XXXX ( XXXX ). they have written to me that the custodial bank for my foundational loan documents are in XXXX. In XXXX of 2015, XXXX wrote in a CFPB response that BB & T is now the custodial bank. I then sent a complaint to BB & T on the CFPB web page. BB & T immediately sent it back to the CFPB stating they had no account in my name. After sending another complaint to XXXX, they recently responded with the attached letter. In that letter, in paragraph XXXX, they claim once again that the custodian of the Loan is Branch Banking and Trust Bank. I also filed a complaint to XXXX ( XXXX ) XXXX this past summer, and they are still researching and trying to figure out how to respond. Does BB & T still deny they are the custodian? Is BB & T for some reason allowing XXXX to use them as a decoy? I do n't understand why the servicer and the banks including XXXX, XXXX XXXX, XXXX, and now BB & T continue to give me the run around on a few simple questions.
11/08/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NC
  • 27502
Web
BB & T Mortgage does not immediately credit proceeds received as principal pay downs or partial payments. Instead, the company sits on payments until the final monthly payment is received and then credits the account. This eliminates the advantages of paying bi-monthly or bi-weekly to decrease the interest paid over the lifetime of a mortgage. The public knows these payment options to be advantageous on any loan that is accruing interest daily. Placing pre-payments in a non-interest bearing state while daily amassing interest on the same sum is disingenuous and deceitful. The practice has no doubt costs consumers millions over time!!! Intra-month payments should be applied to accumulated interest and partial principal ; thus altering the relevant amortization schedule for the rest of the loan. It is extreme, but large lump sum payments towards a mortgage ( non-payoff ) can sit for more than a year and applied according to the original amortization schedule. Reaping the client no advantages while the bank as free access to the pre-paid funds.
04/08/2015 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • DC
  • 20019
Web
I had an account with BB & T Bank. When I opened my checking account I specifically stated I did not want them to process any transactions that would send my account into an overdraft status. I clicked on the " opt-out '' link. BB & T allowed many transactions to go through on several occasions which resulted in exhorbitant overdraft fees. I paid BB & T for some transactions. I even spoke to a representative who stated she saw where I " opted out '' and she refunded my money for this. However, BB & T continued to allow transactions to go through and now they are trying to collect these funds from me. I have spoken to several representatives in customer service trying to resolve this matter but to no avail. I do not believe I owe BB & T any money because of their negligence. I want them to cease all collections activity and to remove all disparaging information from Chex Systems, Telecheck and any other consumer reporting agency that they have reported this information to. It is not right for them to disparage consumers based on their negligence.
01/24/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 21701
Web
On XX/XX/XXXX a total of {$1400.00} was taken from two personal accounts as an off-set recovery for a debt owed by an XXXX. I was a member of the XXXX along with my husband. When the XXXX was opened in XX/XX/XXXX a bank account and business credit card was opened with Branch Banking and Trust ( BB & T ). The credit card was in default after a steep decline in business revenue and the XXXX was in the process of being dissolved. I personally bank with BB & T and on the morning of XX/XX/XXXX, I noticed my personal bank accounts had money extracted from them as an off-set recovery for the XXXX 's credit card. I believe that the bank had no right to collect monies owed by the XXXX through my personal earnings. My earnings are from a full-time job that is not part of the dissolved business/XXXX. I 've contact the bank and spoke with XXXX XXXX, Market Leader III who called BB & T on my behalf as she too was under the impression that they could not collect against an XXXX She also noticed that the business/XXXX bank account had been set up improperly.
08/13/2015 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • TN
  • 374XX
Web
On XXXX XXXX, 2015 I was advised to bring account current with {$8000.00}, and the Foreclosure dated XXXX/XXXX/15 would be stopped. I ordered reinstatement letter and the amount came back $ XXXX. I faxed my request for postponement and third party authorization over at the same time. It took 2 more faxes and BB & T just now ( TODAY ) receiving my formal written request to postpone/cancel foreclosure in pursuit of a workout. I am told by local agencies other options to Home Retention are available to me but NO One made this clear to Us until now. BB & T is saying they can not stop the sale because too close to the foreclosure date. They are not considering the fact that I was misinformed on many levels leading up to now. ( Wrong amount to reinstate given verbally by XXXX on XXXX/XXXX/15 XXXX They are not considering the fact that I have made this request almost 30 days ago but BB & T states they did not receive the fax until yesterday. I have a call and request into the Foreclosure Dept to postpone the sale this according to XXXX XXXX and XXXX.
01/18/2019 Yes
  • Checking or savings account
  • Savings account
  • Closing an account
  • Funds not received from closed account
  • GA
  • 30135
Web
I opened a savings account with BB & T bank in XX/XX/2018. I made a check deposit that into my savings account for a catering payment that ultimately bounced. In the process I was also making my opening deposit of {$5000.00} from my other bank account. The individual that wrote me the check inadvertently wrote the check from a old check book. All fees from the returned payment had been satisfied. BBT decided to close my savings account due to the returned check which they are refusing to refund my deposit. They are stating I have to go into a branch, which I have and have gotten the run around about getting my money back from different employees/managers in the bank. BB & T is illegally holding my funds. BBT has no right to holds these funds. I would like to know what law or banking regulation that gives them the right to confiscate someones money and not communicate with them. I was hung up on by their reps! Just an all around unprofessional business. BBT makes their own rules when it comes to your money!!! BBT NEEDS TO REFUND MY DEPOSIT!
03/07/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • VA
  • 24540
Web Older American
XXXX XXXX XXXX XXXX DOB : XX/XX/XXXX Date of Inquiries : XX/XX/XXXX Companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX, XXXX Regional Acceptance, XXXX XXXX XXXX XXXX, XXXX, NC XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Vermont, XXXX, XXXX, XXXX XXXX XXXX XXXX hard inquiry done by XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, Texas XXXX, XXXX Dear Sir or Mam : Please be advised that all of the above finance companies did a hard inquiry on my account without my permission. I have drafted a letter asking them to take this off my credit report. After my bankruptcy discharge I received letters from each of them but I did not take any action and apply for any loans for an automobile. Please assist me in getting this taken off my credit. I am trying to rebuild my credit and this is so unfair of these people to drag my credit down again after I tried to make a new start. I would be grateful for any assistance you can give me. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Please don't publish my identity.
04/12/2016 Yes
  • Bank account or service
  • Other bank product/service
  • Deposits and withdrawals
  • VA
  • 239XX
Web
On XXXX XXXX XXXX I froze a joint home equity line so no additional withdrawals could be processed. XXXX XXXX XXXX a {$60000.00} advance was processed, I notified bank within 24 hours of the advance that error had occured. I provided the signed document of the freeze, made several calls, sent emails. I was told they were " diligently '' working to resolve problem and would notify me. I requested emails, did not receive, I asked for corporate office to contact me, not done. It is clear BB & T made a {$60000.00} mistake and has not provided appropriate customer service. I want the {$60000.00} removed from the home equity line. BB & T needs to not hold me responsible for their mistake, investigation into how they failed to freeze the account ( again I have provided them with THEIR form that I signed at THEIR bank ) is not my issue, I am not concerned with BB & T 'S personnel or computer errors or why it occured. BB & T made an error, that has not been corrected nor provided me with appropriate customer service since informing them of the error.
10/22/2018 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • CA
  • 95350
Web
I'm very dismayed by my recent interactions with BB & T. After many years as a devoted customer, my beloved mother passed away. I've been attempting to close my mother 's BB & T checking account. I live in California. I've been told to fly 3,000 miles to come in person to a Florida branch to close it. I'm the only beneficiary. I have a trust account at a different bank and I have all forms required ( will, trust paperwork, notarize death certificate ). BB & T will not allow me to close my mother 's accounts. In the age of internet banking, this is not a feasible option. My mother 's other banks all provided online forms or requested notarized copies of materials. How can there not be other options? I've spoken to people in the corporate offices several times and the only other recommendation they offered was consider flying to Texas and going into a branch there as it is a bit closer. This is something that has happened to many others I've learned as I researched the BB & T complaints which are extensive on the consumer protection websites.
09/17/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • FL
  • 33032
Web
I originally bought a XXXXXXXX XXXX in XX/XX/2015. The original price of th car was {$19000.00} which includes the tax for the vehicle. The monthly payments for the vehicle is {$470.00} after 3 years of paying I called XXXX XXXX XXXX to find out what is the estimated pay off for the vehicle only to find out that I still owe {$19000.00} roughly. In calling to get an explanation all I recieved is rude and short answers like, " this is what you agreed to. ' Also the representatives have hung up on me on severall ocassions in me trying to figure out what kind of sense does it make for me to owe as much as I originally financed for the car. In doing the math I have already paid over 16,000 to this company. I do understand that interest is involved in loans so I do not expect to pay exactly what I have financed but at this rate it looks like they expect me to pay close to 40,000 on a compact car. I can not see how this can be legal. In fact, I am not even sure if a loan of this nature is even legal. can you please look into this for me. Thanks.
04/19/2017 Yes
  • Mortgage
  • Home equity loan or line of credit
  • Application, originator, mortgage broker
  • GA
  • 30038
Web
I 've had a home equity loan w ith BB & T for abou t 13 years and a few month ago I converted the home equity line to a regular term loan. About 60 days after this transaction I checked my credit report and found th at BB & T was rep orting the home equity line as closed but the outstanding amount was still showing in my revolving credit as debt. In this same credit report the term loan was also showing up with an the appropriate outstanding balance. I contacted the the credit bureau and filed a dispu te. BB & T res ponded and said that because the revolving loan and the term loan had the same account number that it was reporting correctly. My concern is that my debt ratios are being impacted twice by the same loan. I explain ed to BB & T t hat the reporting of the revolving loan being closed is correct, but they need to XXXX out the outstanding balance. Given that this is the same balance that is reflected in the term loan the credit bureau is counting the same dollars twice. Please note this account is current and has never been late.
10/29/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 326XX
Web
Branch Banking and Trust aka BBT has been reporting false account information on my credit report for at least 3 years. On XX/XX/XXXX they updated a closed account from XX/XX/XXXX by changing my payment history. BBT admit to reporting false information on my credit account for 3 years. My XX/XX/XXXX payment status went from 180 days late to 120 days late. Which dropped my credit score 91 points. On XX/XX/XXXX they admit to reporting false info on my payment status from XX/XX/XXXX from 180 days late to 120 days late. Dropping my credit score 4 more points. I have court documents that remove me from the responsibility of the loan. When I asked XXXX to investigate this I did not receive any help. I would like this investigated and removed from my file for falsely reporting inaccurate info for all these years. They have no reason to go back now and change my credit score. The account is closed and settled. XXXX also needs to be in trouble for not investigating what BBT are doing here. BBT reports false info on your credit file BEWARE!!!!!!
02/05/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • MI
  • 49221
Web
I had an auto loan with regional acceptance corporation. The account was charged off and included in my bankruptcy. However the account is now 7 years old as reported my first late being XXXX 2009. After several attempts you contacted regional acceptance. I received a reply that they would remove four months of reporting charge off after my bankruptcy was filed. However I was then told that my first late on this account does n't count towards the seven years because I then became current before becoming late again. I am only allowed to speak with there bankruptcy department when I call and was told do what I need to do they were n't updating my credit report. I received a letter from XXXX XXXX. The bankruptcy department states she does n't work in bankruptcy or credit reporting so they do n't know why she sent me a letter. This account is over 7 years old and by law is to be taken off of my credit report. Everytime I call I am directed to bankruptcy department. That is all I am able to speak with and they tell me to do what I have to do.
08/04/2016 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • NC
  • 28625
Web
Hello, On XXXX XXXX, 2016 I had approximately {$9.00} in my checking account. On XXXX XXXX an overdraft fee of {$36.00} dollars was charged to my account. On XXXX XXXX there was a scheduled insurance payment to come out of my account to the tune of {$140.00}, this draft did not come out of my account on XXXX XXXX but instead came out on XXXX XXXX when my direct deposit came in.On XXXX XXXX I had a direct deposit of {$720.00} come in at or around XXXX. The bank processed the automatic draft first and than the direct deposit credit after resulting in an overdraft fee. When I went to talk to the bank about this they denied me a refund for the overdraft fee and recommended that I better manage my finances and bill payments. I would recommend that they process the credits to my accounts first before the debits to avoid unnecessary fees. We are a hard working family of XXXX and do our best to make ends meet and can not afford {$36.00} this month due to bills. Any help in this matter will be greatly appreciated and we thank you for your time.
07/30/2017 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • PA
  • 182XX
Web
I have a checking account with BBT. ( they recently bought a local bank who I never had a problem with ) I looked at my X/XX/17 statement and I noticed a check # XXXX for {$10.00}. I had no idea what that check was so I contacted the bank. I received and email from the branch manager stating it was check XXXX converted. I pointed out to her that if she looked at the statement, check # XXXX cleared for {$10.00} on X/30 and they also took out {$10.00} as check # XXXX. Same amount same business. This is the third time a small amount of a check was converted into a check i was n't familiar with. I asked if the bank was doing this to all customers? Is someone there stealing small amounts of money out of peoples accts in a " converted check '' form? Its only {$10.00} but its my {$10.00} and this is the third time this happened and who knows who else this is happening to. The money is still not in my acct and I have not heard back from anyone. BBT at the XXXX XXXX XXXX PA location was the one I was dealing with and I also emailed corporate.
04/02/2017 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • KS
  • 66044
Web
On XX/XX/XXXX a {$16000.00} principle mortgage payment was made bringing our equity over 20 % ( {$99000.00} balance / {$120000.00} Sale Price ). We requested that PMI Fees be removed at that time and was assured by a BB & T representative we would no longer be charged PMI Fees. We have not received a statement since that time and have had difficulty viewing information on the website despite repeated request for assistance logging into our account. When we are able to log in, Statements displaying how payments are applied are not available. On XX/XX/XXXX we spoke to a BB & T representative who informed us PMI fees are still being charged to our account. The representative said PMI Fees will continue to be charged until XX/XX/XXXX. The representative informed us we must obtain an appraisal and request PMI in writing but, could not provide information on how to do this. This amounts to fraud and theft. There is a clear intent to misinform customers and make it very difficult to remove PMI fees in an attempt to defraud BB & T customers.
09/14/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • VA
  • 22306
Web
I recently opened an account with BB & T. I made a deposit of {$970.00} of three checks on XX/XX/18. On XX/XX/XXXX, ( seven days later ) I made 3 purchases using the debit card totaling {$75.00}. BB & T charged a {$36.00} overdraft item fee on the same date ( XX/XX/XXXX ). On XX/XX/XXXX, I made a debit card purchase of {$42.00} and BB & T charged {$36.00} for overdraft item fee. The account balance still showing that I have over {$700.00} available for use. I contacted the BB & T customer service and asked as to why they were charging {$36.00} twice for overdraft fees. BB & T Rep explained that the deposit made on XX/XX/XXXX had a hold of 9 days ; I asked that if any of the 3 checks deposit were returned. BB & T said no. I asked BB & T when the deposited checks were cleared by the other banking institution. BB & T Rep. could not provide that information. I believe that BB & T predatory policy and actions are designed to exploit the customer. BB & T did not have no valid reason for charging such outrageous fees from my own money.
05/29/2018 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Confusing or missing disclosures
  • FL
  • 331XX
Web
I open up an Bb & t account online for my social sercuity deposit sand get misled by BB & T Bb & t sends me documents US mail and via email regarding my account opening and debit card that I never receive than tell me on the phone that it was never issue in the first place ( my debit card ) I was told to step into a branch via telephone onXX/XX/2018 for additional information after 2 weeks of opening my account which I was never informed in the first place until now ( reguarding new information to sign ( known as a signergure card ) after my account been open I requested XXXX accommodations within this public facilitiy due to the fact I am XXXX to an XXXX XXXX, XXXX XXXX and can not get up there and can the send it US MAIL. They refused Bb & t customer services My account was open than Bb & t refused to send my debit card after giving me written email that it was order and I shall receive it within 3-5 days but never did Bb & t is now interfering to not send me my debit card noting I need it for my living expenses etal ... ...
10/30/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • AZ
  • 85757
Web Older American
Mortgage company fraudulently debited bank account for mortgage payment in XX/XX/XXXX resulting in overpayment of account and overdraft of bank account, discussion held with bank representative in XX/XX/XXXX reflecting the overpayment and credit being issued for payment due in XX/XX/XXXX, payment for account had already been sent and should have credited for XX/XX/XXXX which brought account current, notice sent sometime later in XX/XX/XXXX stating that payment had not been received and that account was behind. Tried to contact bank rep that assisted in bringing account current but was advised that no such bank rep could be found. Continuous contact with bank reps have not remedied the situation and late charges and other fees have been added to the account fraudulently since XX/XX/XXXX, have exhausted recourse through bank reps that have all this information in the record but have refused to review it. Contacted XXXX XXXX to help with this matter in XX/XX/XXXX but have had no remedy from the mortgage company now in XX/XX/XXXX.
08/26/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • VA
  • XXXXX
Web Servicemember
Regional Acceptance Corporation from a loan/lease in 2009. A car lease was purchased in my name sometime in 2009 with Regional Acceptance Corporation. I have been disputing this with them as it pertains to my XXXX & XXXX Credit Reports for quite some time now to no avail. I have sent them requested documents more times than I can count only to call back a few days later from a follow up to be told that they never received the requested information. Despite the fact that this is not my account the company is currently reporting incorrect information on my XXXX & XXXX Credit Reports showing that the company accepted this as a loss and did it as a charge off and now they are also reporting that the account is not current which is affecting me twice as it pertains to my credit scores and negative information on my account. I was a victim of the XXXX Security Breach & the XXXX Security Breach. This item is reporting as a negative and impacting my score monthly as it pertains to a charge off/not current with payments {$2600.00}
08/20/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NC
  • 28104
Web
We experienced a financial hardship after Hurricane Florence and have letters from BB & T stating that we were approved for Forebearance starting in XX/XX/XXXX through XX/XX/XXXX. We sold the house on XX/XX/XXXX. On that date, BB & T falsely reported to XXXX that we were 120-149 days late which made my credit score plummet. We called repeatedly during the Forebearance to make sure that no payments were due and that everything was good. They reassured us all was well. I am very upset about this. This will take time to fix and until then, I will be wrongly penalized if I apply for any credit. Not only this but we continuously received letters from BB & T during the Forebearance telling us we were in default and that actions would be taken if we didnt pay the outstanding past-due balance. That was very misleading and when we called them, they asked us to ignore those letters as they are system letters. These should NOT be sent to customers like us who followed the correct process and continued to receive incorrect letters.
05/04/2017 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • FL
  • 333XX
Web
After having a substantial relationship with BB & T B ank, I got a notice they have decided to close my account and gave me no reason whatsoever. I had XXXX issue with a wire transfer which was refused and caused an issue on my account, while I was traveling for a family emergency. The signer on my account had his account effected and him being on my account effected my relationship Upon fixing the issue, I was told my accounts were to be closed including all of my lines of credit, business accounts and personal accounts. I am an ideal client and maintain substantial balances in the accounts and own and operate recognizable businesses. There was no reason whatsoever my accounts were closed. I am willing to pay the balances but ca n't even find where to pay them.. Please let me do this and maintain my relationship. I had issues which were addressed and fixed the moment they were brought to my attention. I want to have my relationship back as this is the only bank which operates in all the states we do business.
04/09/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • FL
  • 341XX
Web
Please see attached documentation. BB & T claims to have received an incomplete Loss mitigation package on XXXX/XXXX/15. I have a fax confirmation that it was received XXXX/XXXX/15 and sent through mail and received XXXX/XXXX/15. I have a copy of the faxed / mailed and it was not incomplete nor received on XXXX/XXXX/15. Furthermore, BB & T stated this should be judiciated outside of Civil Circuit court since it was a " Federal Issue, '' did not wait for the court to rule on any of the objections / motions and proceeded without adherence to Federal law. BB & T had been notified on separate occasions that I, the Plaintiff, notified BB & T that there was already a Loss Mitigation in process with XXXX. After our last hearing, the opposing counsel said they would email me that day to come to a resolution and was never heard from again, despite my many attempts to reach his manager. BB & T was dishonest with the court and CFPB responses and ignored that I had a loss mitigation in progress with a HUD approved counseling center.
10/14/2017 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • VA
  • 24112
Web Servicemember
I attempted to work with XXXX XXXX at the local office on this but she just blew me off, stating she did n't have time call this number. XXXX BB & T charging me over draft fees when I clearly had the funds in the account to cover said debit. Agent stated something about a pending fee that held the funds and the very next day that pending was also charged an over draft fee, These erroneous action of theft of my money caused a snow ball affect. I have balanced my account now and it should be stable. I want the funds returned to me that BB & T stole from me. I spoke with XXXX this evening and she even said in our talk that the actions of the bank is to hold these funds when in pending, as such this cause additional charges against me. Under a general ledger I had the funds to cover the debits and should not of been charged Over Draft fees. Funny XXXX stated they should n't of charged me but would n't remove these fees. Banks use what ever means they can to steal money from us hard working Americans and this needs to end.
08/10/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with rewards from credit card
  • WV
  • 261XX
Web
My bank BBT cancelled a credit card that I had not used in many years. I had no problem with this, as I had several cards and only used one of them. I use my remaining card almost daily so I can earn rewards points. At present, I have XXXX points accumulated. I was saving those for extra money for a trip I am leaving on in a few weeks. I went to redeem those points and got an error that I no longer had access to that account. I assumed it was an error and called the number given, should I think that the message was in error. I was told that because the credit card I no longer used was cancelled, my points were forfeited. I have always used my main credit card to redeem points in the past, but now the bank says those points are no longer valid. I had to spend nearly {$25000.00} to accumulate those points. I want the money, that I was counting on, by using that card. I never once used the old credit card to redeem my points. I don't understand how they can take them away. I would like to file a formal complaint for this.
10/22/2019 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Didn't receive terms that were advertised
  • VA
  • 23222
Web
On XX/XX/26 I opened a account with BBT to take advantage of the bright checking bonus of XXXX Offer XXXX. I saved the criteria to make sure I met the requirements. On two separate occasions I called my local branch and the XXXX and asked the timeframe of when it would deposited and did I have to do anything else. I was told to wait 60 to 90 days because I had already had the two monthly deposit of more than 100 from my direct deposit from my bank.Which was requirement within 75 days. I have been very specific to the tee to make sure I followed every requirement. Then today the rep told me my offer ID wasnt on my application. I specifically made sure before opening the account online the Id number was placed. I had several chats asking for the confirmation and requirements. This is simply false advertising and bad customer service. I have attached my phone records showing the calls that took place and want this escalated immediately when I've made sure to do everything correctly. This is deceptive business practice
01/31/2017 Yes
  • Bank account or service
  • Other bank product/service
  • Account opening, closing, or management
  • NC
  • 27705
Web Older American
1-My mother XXXX XX/XX/XXXX. She had an IRA at BB & T. I inherited 1/3 of this IRA. BB & T told me my options were to establish an inherited IRA at BB & T or cash out the account. I would have preferred an immediate transfer of the money to XXXX without creating the account at BB & T but they did not give me that option. As an aside, that was exactly the process that was used by another bank at which my mother had an IRA and it was a very smooth process. Feeling like I had no choice, I let BB & T establish the IRA-BDA. After the account was established, I moved the IRA-BDA to XXXX. BB & T charged me a {$50.00} fee to move my money. I told them I was going to move the money and this fee was never disclosed. The banker states that I never told her this. This is one of multiple " untruths '' that she has stated during this process. BB & T also took out the RMD for XXXX without my permission. I lost {$50.00} in this transaction and the ability to earn interest on the RMD within the IRA for the next 10 months of XXXX.
10/06/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • DC
  • 20001
Web
In XXXX, we sold our home and closed our mortgage, which had been serviced by BB & T. BB & T was supposed to send us our remaining funds held in escrow. BB & T claims that they did so on or about XXXX XXXX. However, we never received the funds. After XXXX calls to the company in the late-XXXX time-frame, we were advised that we could call on or after XXXX XXXX in order to have the check re-issued without penalty. We did so. A replacement was allegedly sent to our new home address on XXXX XXXX. As of XXXX XXXX, we have still not received the escrow funds amounting to over {$4900.00}. After another call to the company, BB & T claims that we can wait again until XXXX XXXX to have a replacement check cut again without penalty. However, the company has offered no proof that the checks were ever transmitted before, no willingness to waive its " penalties '' ( which are likely booked as profit ) to re-cut the check and no interest in providing us with tracking information to confirm that the check is mailed or received.
06/14/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • FL
  • XXXXX
Web
BB & T has a rigged system where they delay the deposit or withdrawal for transactions that you make for their benefit in order to charge each transaction an overdraft fee. Countless times I have made my usual monthly payments and I started noticing five or more buissness days going by without my bill payments being posted to my account and then a week later the payment post turning my account negative. With each transaction they charge {$36.00}. One time I went in the bank to show the teller this problem and the teller says to me, " open a BB & T credit card and we can transfer the overdraft fees to your credit card. '' That is another strategic attempt to profit off of their rigged system. This is called, unfair business practices. This is evidenced by them delaying payments that you make to other parties and one week later when you spend one dollar over what is being deducted, they strike. Then the ATM 's are not equipped with cash deposits so you can not add money to your account without the bank being open.
08/02/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • GA
  • 30083
Web
On XX/XX/18 a truck service told me theyd charge a {$100.00} flat fee to put air in one of my tires on the rd. I gave them my card number to secure their services. When they put the air in, they charged me {$380.00}. I spoke to them and they told me they also charged me for two hours of the drivers transportation time and parts which didnt make sense and i did not agree to. I incurred {$210.00} in bank fees because of this. I gave my bank notice after the transaction posted thinking maybe it would be adjusted. They gave me a claim number on XX/XX/18 XXXX I called in on XX/XX/XXXX for an update. A representative told me my case was resolved and Id need to speak with someone in that department tomorrow. I called BB & T ( my bank ) on XX/XX/18 and they told me this case has yet to be worked. They have issued no provisional credit and are very rude over the phone. The rep i spoke to XXXX was specify aggravating. At this point Id just like help and information as to what laws they must follow during this process.
09/26/2016 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • SC
  • XXXXX
Web Older American
I bought a XXXX program and linked it to my bank account. I did not download from the acct. Beginning in XX/XX/2015 I began getting OLB service fee charges of {$7.00} per month. When I called XX/XX/XXXX, BB & T said it was a XXXX issue and XXXX was charging the fee. Later I learned it was BB & T. To make a long story short I have had service fee charges nearly every month since XX/XX/2015. I have had to call each month and get a refund. In XX/XX/XXXX, I was told to change my username and password. I did and I have had charges XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. So I still have to take the time to call and be placed on hold and go through my story and request a refund. If I had not been vigilant about reviewing my account and persistent about requesting a refund, BB & T would have taken this money from me. I am certain they are doing this to others. I do not use the XXXX download service and the account is not linked. There is no basis for these charges as BB & T acknowledges but they continue to charge me.
12/11/2015 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Account status
  • FL
  • 34119
Web
I had a school loan that I payed on time for 60 months, then the loan had a balloon payment due. The loan was with BB & T bank, when I explained to the management of the bank and several agents who called my home that I was in the middle of a refinance of my home which was also going to include paying off my school loan of XXXX dollars, they agreed to give me a grace period. Only now to find out after I went ahead and payed the loan off with funds that I had secured the loan with originally, they have sent in a derogatory remark saying I was late with the last payment and it has affected my credit score terribly. They also refuse to remove it, even after being told I would be fine going ahead with my refi, and that they would give a grace period because the loan was secured. I have done business with this bank for 14 years and have never been delinquent with any payments and I even presently hold a mortgage with them. I would ask you to please tell them to remove this remove that is effecting my credit score.
05/09/2019 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • NJ
  • 082XX
Web Older American
To : XXXX XXXX XXXX Complaint Resolution Manager Re : {$350000.00} wire transfer to XXXX XXXX XXXX XX/XX/2018 Dear Mr. XXXX : My name is XXXX XXXX, and I am the sender of the above referenced wire transfer to BB & T Bank. I received your reply to my previous complaint with CFPB, but, I must say, it was totally unsatisfactory. I am not asking for any account specific information. As I understand it, these funds are now in the possession of your Fraud Department. This wire has been recalled several times by XXXX XXXX XXXX., my broker. I ask why your bank has not complied with the several recall requests? This entire situation can be resolved simply by BB & T Bank honoring the XXXX recall requests. Your Fraud Department has no logical reason nor legal right as I see it to hold these funds rather than return the funds to XXXX XXXX XXXX. Please comply with my request and return my funds to XXXX XXXX XXXX. ASAP. Your bank 's delay is causing many problems to me in conducting my business. Thank you, XXXX XXXX
06/10/2015 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • GA
  • 30506
Web
When we opened our account, we were told by the branch manager that the XXXX {$100.00} of each check deposit into our business account would be made available the same day. We made XXXX separate deposits at the same time and was able to log in online to see that we indeed had XXXX, {$100.00} hundred dollar pending transactions. Overnight, BB & T reveresed XXXX of the {$100.00} deposits charging us overdraft fees. This occurred on XXXX/XXXX/15. If the bank actually receives and deposit clears the same day, then the funds should also post the same day. Check XXXX should work both ways and for the consumer and not just against the consumer. BB & T back dates deposits creating confusion. For instance, if I make a deposit on XXXX/XXXX/15 for {$500.00} but only the XXXX {$100.00} is made available that day, then both online and the statement should read deposit of {$100.00} on XXXX/XXXX/15 and {$400.00} on XXXX/XXXX/15. We believe that deposits are actually cleared and posted on the same day but not credited.
01/13/2019 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Didn't receive terms that were advertised
  • FL
  • 32714
Web
I was offered via mail checking account promotion by BB & T for XXXX rewards if I had certain amount of direct deposits. The deposits requirement have been met and continue to be deposited. Account was opened back in mid XX/XX/2018. I asked about my rewards and I was told it takes certain amount of time which has been far past at this time. The offer code was XXXX sent to me via mail and I have visited the branch as well pertaining to the issue. I also had email conversation with a bank rep few times with no solution as their marketing is still researching it. I sent my first email on XX/XX/2018 after I had visited the branch and not getting the promised contact with the resolution. Got a response on XX/XX/2018 but no solution. I emailed again on XX/XX/2018 and got a response on the same day stating the market marketing is researching it and I will be informed on the status. I have not received any updates since then so I emailed again on XX/XX/2018 and to this day I have no updates on the issue.
11/27/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • LA
  • 707XX
Web Older American
I financed a trailer/dumpster with XXXX XXXX. Each month I would receive a bill showing minimum payment, amount paid previous month, and payoff amount with the date that payoff amount would be good through. Last year I was able to payoff the loan. I sent in the payoff amount shown on the bill and made sure XXXX XXXX would receive the check before the date listed on the bill. I waited about a week, I called to make sure that XXXX XXXX received my payment and that it would payoff the loan. They assured me that I had paid off the loan and they would send me the title to the trailer/dumpster. After several weeks, I received the title in the mail. Apparently they have a glitch in their system because I still get bills from them showing Total Amount Due {$130.00} with Payment Date XX/XX/19. I have called to resolve the issue but have not been able to talk to anyone that can take care of the situation. The loan is paid off. They need to stop billing me and trying to collect on a charge that is incorrect.
12/20/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Deposits and withdrawals
  • NC
  • 278XX
Web Servicemember
In XX/XX/XXXX, I realized that my money was disappearing from my checking account I had with BBT in XXXX, NC. I went to the bank an discussed it with XXXX XXXX and she claimed that it wasn't the case. The second time I went again she claimed that she knew nothing about it. Then she asked for my social security number and claimed she mixed it up with another customer with a similar social security number and nothing was done. After all was said and done over {$20000.00} has been taken out of my account and little by little, she claimed they was putting it back after the claims had been sent to whomever took care of them. Now, on XX/XX/XXXX, she said they closed the account after months ago she said the account needed to stay open to receive the payback money that was suppose to be put back into my account. Only {$180.00} has been put back into my account and no one from BBT has tried to help me get my money back or even look into the matter. I believe that someone in that bank has taken my money.
01/30/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • XXXXX
Web
Dear Consumer Financial Protection Bureau, CFPB : XXXX XXXX is reporting ( IN ERROR ) a delinquent account ( Automobile Policy Number XXXX ) that was FLAT RATE CANCELLED when they DISHONORED THE POLICY. XXXX owes me {$3200.00}. They attempted to NON-RENEW MY CONTRACTED AUTOMOBILE POLICY CAUSING ME MUCH ANGST. They were reported to Georgia Office of Insurance and Fire Safety, and a hearing DEMANDED PURSUANT TO O.C.G.A 33-2-17, b2. I HAVE BEEN GRAVELY AGGRIEVED. Now, they have given a debt ( I DO NOT OWE ) containing MY PRIVATE AND CONFIDENTIAL INFORMATION TO XXXX XXXX XXXX DEBT COLLECTORS WHO ARE HARRASSING, ANNOYING, AND STALKING ME. XXXX debt collectors for XXXX have been advised to CEASE AND DESIST AND XXXX DEMANDED TO PAY FLAT RATE CANCELLATION IN THE AMOUNT OF {$3200.00}. The Georgia Office of Insurance and Fire Safety DEMANDED TO GRANT HEARING BEFORE COMMISSIONER, XXXX XXXX XXXX, PURSUANT TO O.C.G.A 33-2-17, b2 Sincerely and Respectfully, XXXX XXXX XXXX Phone : XXXX Email : XXXX XXXX
04/10/2017 Yes
  • Bank account or service
  • Checking account
  • Using a debit or ATM card
  • FL
  • 33180
Web
THIS IS A COMPLAINT AGAINST THE BB & T BANK, BECAUSE I DID NOT RECEIVE THE CORRECT HELP WHEN I MAKE THE REQUEST VIA TELEPHONE CONTACT WHEN I MAKE THE CLAIM THAT IN MY BANK ACCOUNT I HAVE GIVEN MONEY SINCE XX/XX/XXXX DO UNTIL TODAY, EXPLAIN THAT I WAS TRAVEL AND THAT WHEN I RETURN, MY SURPRISE IS THERE WAS NO DOLLAR IN MY ACCOUNT. YOUR ANSWER IS GO TO THE BANK AND MAKE YOUR CLAIM XXXX, THAT WAY SO XXXX AND EVIL TASTE, DESCRIMINATIVE. THIS BANK HAS POLICIES THAT ARE NOT GOOD FOR ITS CUSTOMERS, AS THAT WILL SAY THAT IT CAN NOT TAKE MY CLAIM BY TELEPHONE BECAUSE IT HAS TO BE IN PERSON, THAT PASSES YOU, LACK OF RESPECT, THAT XX/XX/XXXX SAY THAT EVERYTHING IS LIE, I AM VICTIM OF ROBO AND SHE SENDS ME TO DO ALL THIS PROCEDURE? NO BANK IN THIS COUNTRY DOES THAT, EVERYONE TAKES ITS CLAIMS BY PHONE. THAT KNOWS IT IN WHAT STATE I MEET TO HAVE TO GO TO THE BANK. MY QUESTION IS TO THIS BANK? IT IS FOR YOU TO HAVE A DEPARTMENT OF FRAUD AND CLAIMS IF YOU DO NOT DO ANYTHING BY TELEPHONE ARE IT DOES NOT WORK.
08/22/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • TX
  • XXXXX
Web
I was financed XX/XX/2016 for a XXXX vehicle for my son, a Dodge Challenger at XXXX XXXX in XXXX, Tx. My son have been driving this car nearly 45 days. The financial institution was Regional Acceptance Corporation we were preparing to make a payment this week and now we are told its not financed, all this time has passed and these people have been running my credit without me knowing which has dropped my score tremendously now I may not be able to purchase another vehicle since this has happen my score was XXXX now its XXXX. I gave them bank statements, income statements and award letters when applying for this vehicle. I went back too XXXX XXXX three weeks later because I started receiving letters from others financial institutions turning me down for the same vehicle the Financial Manager told me that I was approved and did n't know why that was happing and not to worry about it he also told me when the payment was due and again that Regional Acceptance Corporation whom I was financed with.
04/29/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • AZ
  • 85016
Web
I am past due on my car loan. I 've made it clear that I ca n't have any calls at my work and that the only number I have is my cell phone. both yesterday and the previous days I get at a minimum XXXX calls. yesterday ( XXXX/XXXX/16 ) I had a total of 5 calls ( 4 to my cell phone and 1 to my work ). my cell phone calls were done at XXXX XXXX ( a voicemail was left ) XXXX ( another voicemail was left ), XXXX, and XXXX. I also had a call on my work phone around XXXX where the agent id herself and after I hung up the phone she called my cell phone AGAIN at the XXXX time. this is common. I get multiple harassing calls and they even continue AFTER a voicemail is left or AFTER I had contact with someone. I just started my job and I got in trouble for the harassing calls - this is why I made it crystal clear that they can not contact me at my work. I called Regional Acceptance and have since Ceased all contact because I ca n't trust them to follow Debt Collection LAWS when it comes to my employment.
04/14/2017 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • PA
  • 182XX
Web
Still no complete explanation to my complaint. 1. Never received a copy with my signature that I was informed that BB & T can steal money from one account and place it into a separate account. This request was made on three separate occasions and obviously denied. 2. No explanation as to why I was lied to when I opened this account. I was promised that XXXX account is completely separate and my funds were safe from the XXXX account opened at the same time. This prove to be false and fraud. I am sure the conversation was recorded in the office through the numerous bank security cameras present. Had I been truthfully informed of my right I would have opened the second account in a different bank allowing me to purchase my medicine and pay my bills. 3. I informed BB & T that I would not discuss this over the phone but only through a format that I can have a hard copy record of what was discussed. Despite this no call warning I am continually harassed by BB & T phone call several times a day.
11/09/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • MO
  • 63011
Web Older American, Servicemember
I have tried to refinance my mortgage with BB & T for the last 3 years and am not successful. In 2008 the value of my property dropped below the loan amount so I did not quality for refinacing. The property is not marketable with the loan above the loan value. I have looked at the haarp program but my exusting loan was closed two months before I would be eligible for the XXXX program. I have had a law firm helping me, XXXX XXXX XXXX firm, but they have not helped at all. I have retired since purchased this home and my total income is from SSI of {$1600.00} per month and my payment are {$910.00} per month. I have continued to make payments but they are very steep for me. If I could refinance with a interest rate of 3 % my payments would be reduced around {$200.00} which would be more affordable at this time. I would like to keep the home and stay here but with ssi not increasing this year and inflation still going up at 3 % it will be a matter of time before my home will not be affordable.
01/30/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • MD
  • 20878
Web
On XX/XX/2019, we ( XXXX XXXX XXXX ) received a check from our customer and made a deposit onto our bank ( BB & T ) account with the correct checking account number on the endorsement at a Washington DC BB & T branch ( Mailcode : XXXX - Address : XXXX XXXX XXXX XXXX XXXX, Washington, DC XXXX ). After the annual reconciliation, we found out that the check we deposited was not properly credited onto our BB & T Checking account. So we contacted our customer to send us a copy of the cancelled check, which later we received. With the image of cancelled check, we checked our BB & T Washington DC branch, the same branch where we made the deposit. However, Ms. XXXX XXXX XXXX ( Branch Banker Team Leader II ) said, because they destroyed the original deposited check after 45 days, they couldn't not help us. Since it's due to their error ( possibly credit to a different account ) and it's all digital, we don't understand why our BB & T couldn't further investigate and made a corrective actions.
01/11/2017 Yes
  • Bank account or service
  • (CD) Certificate of deposit
  • Deposits and withdrawals
  • GA
  • 30117
Web Older American
After a death in the family we found IRA 's that were left to me by my deceased father and they also included my name. We had the will probated and began the task of dispersing his assets. The late part of XXXX 2016 we took all needed paper work including a death certificate to our local branch and were told we would receive the the money in a few weeks.The XXXX part of XXXX when we had n't received a check we returned to our local branch only to be told that our paper work was lost in a flood so we began the process again and told that a check would be mailed on the XXXX day of XXXX. XXXX XXXX no check has been received so we return to our local branch and told that due to the recent holidays and snow that its just taking a little longer. Upon further questioning we find out that they are now missing a death certificate which is supposedly lost in this flood and not located from the 2nd submission so we provide it immediately and now are told that a check will go out Friday XXXX XXXX.
05/10/2017 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • FL
  • 33414
Web Servicemember
I have been banking with BB & T for a number of years. I was recently charged over {$200.00} for overdraft fee 's because the bank continues to clear charges when there is not enough money in my account to cover the new charge instead of declining my attempted charge. BB & T charges {$35.00} per over draft and some of these recent charges were on purchases of less the {$10.00 }. They have never suggested a solution! I feel this is very unfair - the bank should decline my purchase instead of paying it if there is not enough cash in my account to cover. They will not refund their charges they are very uncaring, its just the way it is. If I carried large daily cash balances would they treat me like an untouchable, " XXXX No ''! It appears to be a wonderful source of free money to them. I would pay less of in penalties using a loan shark. I have been charged {$35.00} on an overdraft of {$2.00}. There should be a percentage limit or dollar amount based on the amount of the overdraft.
06/13/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NC
  • 282XX
Web
My wife received a phone call from a " BB & T Fraud Specialist '' to address a recent attempted charge in Florida. They addressed her by her legal name and had her phone number ( in order to call her ). They called from a legitimate BB & T Customer Support phone number. My wife denied this attempted charge and the individual stated that since there seemed to be fraudulent activity then he wanted to go over recent charges. He stated various recent charges that were completed through our checking account by either myself or my wife as we have a joint checking/savings account. We found out later that this was a spoofed call and that this was not BB & T. However, as they had personal information regarding my wife and our checking account, we believe this is an internal hacking at BB & T. As a result, we have both changed our phone numbers, multiple passwords associated with various online accounts, and have closed the compromised accounts with BB & T and subsequently opened new ones.
11/06/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • WV
  • 254XX
Web
I began disputing the validity of the reporting on XX/XX/2019. I have sent 2 letters directly to the credit bureaus and 1 directly to the lender with no avail. Regional ACC Account number XXXX is being reported as a voluntary surrender. This account was paid in full by me and a free and clear title was issued. I am not sure why the Creditor is informing the bureaus it was surrendered but this is completely inaccurate and I have sent several complaints but the inaccurate information is still being reported. This is damaging my credit and preventing me to qualify for any future auto loans with decent rates because it looks as if I have a reposession when I never had. The least that can be done is to correct the reporting or completely remove this account from my credit profile. You have done enough damage thus far and I feel that would be a fair compromise rather than the {$1000.00} I am entitled to for a FCRA violation. Thank you for your time and Ilook forward to the resolution.
11/04/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • SC
  • 29605
Web
on XX/XX/XXXX I received a call for a man saying he was XXXX with BB & T and it was imperative and in my best interest to call him back. Advised I needed to pay {$980.00} to avoid my mortgage going into foreclosure. I gave my savings account number but didn't have enough in it to pay so I was told to get XXXX XXXX XXXX XXXX card and I did. On XX/XX/XXXX for {$500.00} and On XX/XX/XXXX for {$490.00}. I called the direct number back XXXX and the number was no longer in service. After reviewing my cell phone messages this man has left me two threating messages from that number to call him. I have spoke to SLS and BB & T regarding this and either account has the payments posted. I need help tracking down this well needed money. Due to my account about to go into foreclosure. I am a single hardworking mother whom have taking over the care of XXXX little girls and keeping my sisters kids while she is working out of state. Please tell me there is some hope of getting my funds back.
04/25/2019 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Other service problem
  • WA
  • 992XX
Web
I am at time and are still a struggling poverty /meets requirements and overqualification due to, income and social atmosphere and other sites reality wise also known as clock coordinated when most earmarks of attn. or fax copy right /pilgrism/ or theft ... infringement, inappropriate in some if, the company receives info. competing / other unsafe practices have been happening and version of companies oversees having tech giants with a 7 window startup, than the lesser more legal by every standard and poor credit 3 to 5 credit safe way a urban complaint regarding construction and a XXXX company small business that was damaged when I wasn't working leaving, those who trusted me still do hoping / trusting in a complaint to or about first XXXX /XXXX XXXX / XXXX XXXX XXXX and employees who treated I have mentioned this to police, XXXX XXXX XXXX etc. threats for me to end with XXXX treatment over XXXX XXXX XXXXXXXX and im sadly not shocked, im not a know everyone type of someone.
12/05/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • MS
  • 39759
Web
We financed a XXXX XXXX in XXXX, XXXX for 6 years. XX/XX/XXXX should have been our final payment. However, we took two ( 2 ) extensions and one date change. That should have made the final payment to XX/XX/XXXX. We filed a complaint with CFPB during late XXXX.We received a letter from CFPB dated XX/XX/XXXX. We received a letter from CFPB dated XX/XX/XXXX stating the company ( XXXX XXXX XXXX ) had responded to our complaint. That letter stated that XXXX XXXX received our complaint and that a XXXX XXXX had satisfactorially explained to my wife the terms of the financing. That's a blatant lie. The truth of the matter is that XXXX XXXX was supposed to explain the matter to my satisfaction. I personally made three ( 3 ) phone calls to XXXX XXXX, none of which she answered or returned. To make matters worse, CFPB simply closed the complaint without lifting a finger to check the merit of XXXX XXXX claim. I will continue to follow up on this claim until i get a legitimate response.
02/08/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • NC
  • 281XX
Web
I WAS CHARGED FOR SEVERAL CHARGES THAT I DID NOT AUTHORIZE AND NEVER DID BUSINESS WITH ANY OF THESE SAID COMPANIES. I HAVE NO IDEA WHO THEY ARE AND HOW THEY RECIEVED MY INFORMATION BUT I WOULD LIKE TO GET MY MONEY BACK. I CONTACTED THE CREDIT CARD WHEN I NOTICED THESE CHARGES ON MY STATEMENTS BACK WHEN THEY WERE CHARGED TO MY ACCOUNT AND THE CREDIT CARD COMPANY DID NOTHING. I AM NOW WITH THE HELP FROM A FRIEND TRYING TO GET MY MONEY BACK AND MY FRIEND AND I CALLED BB & T CREDIT CARD AND REP SAID THAT THEY COULDNT GO BACK THAT FAR BUT WE COULD SEND A COPY OF STATEMENTS ALONG WITH A LETTER TELLING THEM WHY THIS IS FRAUD AND THEY WILL INVESTIGATE THIS MATTER. I HAVE ALREADY BEEN THROUGH THIS PROCESS AND NOTHING WAS DONE AND HERE I AM YEARS LATER AND STILL FIGHTING TO GET MY MONEY BACK. I WILL LIST ALL CHARGES .... XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I NEVER AUTHORIZED ANY OF THESE TRANSACTIONS AT ALL. PLEASE HELP ME GET MY MONEY BACK
04/05/2016 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • VA
  • 22153
Web
They set-up my account incorrectly because their branch staff member is incompetent ( XXXX in XXXX VA ). I asked to be opted out of their overdraft program and he opted me in instead ( probably on purpose as I imagine the branch gets a kick-back for all overdraft fees ). When I received the XXXX overdraft charge I went in and he supposedly corrected HIS error and reversed my charge. I assumed all was well then 3 weeks or so later I received {$500.00} in overdraft charges ... No one in their " corporate customer support '' office would help at all, said I had to go into the branch which I did. They acknowledged that the error was theirs but the branch manager claimed she had to get approval from someone over her. Two weeks go by and every time I call the branch to talk to her she is " busy '' and will call me back. Of course she never does. Once I get the " customer service '' people to call me they call her and she claims she never heard of me and never had the discussion.
06/20/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • MD
  • 216XX
Web Servicemember
Exactly two weeks ago today I spoke to an agent regarding overdraft fees. She explained to me that the fees were the result of an option that was selected when I opened the account online where BB & T would review and pay items if there was not enough to cover in the account. It was my understanding after that call that this option would be turned off and BB & T would decline transactions from then on. In the last 2 weeks BB & T has paid around {$200.00} in charges for automatic payments ( XXXX, XXXX, XXXX ) and charged me around {$300.00} in fees. I spoke to an agent and her supervisor and they could do nothing for me. It was explained to me that contrary to the understanding I was given two weeks ago, the option to decline transactions was not turned off per my request during the prior call. It seems to me that this is predatory banking. I would have much preferred BB & T decline these relatively small transactions than to charge me {$36.00} for a {$9.00} charge.
12/05/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • TX
  • 77449
Web
I've had an auto loan with XXXX XXXX XXXX ( XXXX ) with a retail installation date of XX/XX/XXXX. Since XX/XX/XXXX, I've been timely and consistent with my auto loan payments of {$530.00}. This account/contract reached full term in XX/XX/XXXX with a total payoff remaining balance of {$7400.00} ; principal balance of {$7200.00}, accrued interest of XXXX, and other fees and charges of {$150.00}! I was notified via account statement that this payment was expected in full by XX/XX/XXXX. Being that my wife and I could not make the substantial payoff payment, we entered a Renewal/Reschedule contract in XXXX. We were informed not to proceed with the regular schedule payments due to the fact that the date and renewal monthly payment amount would change. I inquired if the changes would cause any blemishes on our credit report and was informed that it would not. It did not reflect negatively for XXXX, but unfortunately my credit report is indeed reflecting a late payment in XXXX.
01/18/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • NC
  • 28211
Web Servicemember
I have recently been informed by BB & T that my XXXX credit card is delinquent a balance of {$160.00} and {$50.00} of which has been reported to credit agencies for non-payment. I have not used the card recently and last paid my full balance off in XXXX XXXX. I have contacted BB & T collections and they are unable to explain the series of charges. The identified a " RAP Fee '' charged in the fall and then subsequently accrued late fees and subsequent RAP fees. In speaking to a dispute agent they said they did n't know what this fee was but indicated that it was not a merchant fee or charge but a BB & T internal fee. I have been attempting to contact BB & T via online portal but my account is locked as well as by phone and have been unsuccessful because of excessive wait times ( i.e., > 45 minutes ) I am concerned because this beginning to damage my credit and I do n't understand charges and am having systemic problems in contacting BB & T. Thank you, XXXX XXXX
11/17/2017 Yes
  • Checking or savings account
  • Checking account
  • Improper use of your report
  • Reporting company used your report improperly
  • OH
  • 44105
Web
On XXXX/XXXX/XXXX I closed my business checking account with BBT account. I drove to XXXX XXXX. I received XXXX after it was closed in cash year checks. I now i had more money in the account then what was givn to me. i asked about my money. as was told if any other money come into my account it will be sent back. Will as of XXXX XXXX I received a letter from BBT BANK stating my account XXXX is over drawn XXXX please add money tomyour account to bring it current. I now who did it I can prove it was not me. I also told that the my money add up too XXXX or better. My name was used to open other banks that I did n't opened. This money was my business start-up loans that I got approve for. i was told the account had checks that was written out of. And was written fom XXXX XXXX. I was also told, it is more than one person 's that is involved. I did not do this, it has affected my company, I cant afford my companys operation expense bills payroll, and my life. Please help me.
08/11/2016 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • KY
  • 41011
Web
See attached files. BB & T granted immediate online approval of a 3rd party check for deposit into our personal account via BB & T online banking app ( where they admit technical flaws ). My wife was victim of an articulate online job scam. BB & T approved the check immediately and my wife XXXX XXXX XXXX XXXX took {$870.00} cash out next day to deposit in 3rd party account with XXXX XXXX Bank ( who has now frozen that fraudulent account and funds ). 3 days later ... BB & T notified us our account was drastically overdrawn b/c the check was a scam ( they told us 3 days later! ) and are now trying to hold us responsible for the bad XXXX XXXX check that should have been verified/checked by BB & T immediately. They still have not returned our missing {$190.00} from my account and are trying to hold my family responsible for the negative balance of - {$780.00}. I 've requested details and meetings with BB & T fraud and VP to no avail. Contact XXXX XXXX or XXXX XXXX at XXXX.
06/07/2016 Yes
  • Mortgage
  • Home equity loan or line of credit
  • Settlement process and costs
  • FL
  • 33321
Web Older American
I refinanced my mortgage with BB & T because they had a better rate at 4.49 %. I told the loan officer that I wanted a fixed rate not one that fluctuates. I was specific with her. She said that it would n't change, that a fixed rate did n't matter because they hardly ever change. I received a letter 4 months after stating that my rate increased to 4.74 %. I was so upset! Because she told me that it would n't increase. I went into the branch and spoke with her and she said there was nothing she could do because I signed the papers that said that it was n't a fixed rate. Finally, the last bill that I got had an interest rate of 5.99 %. I am so upset. This is more than I was paying for my mortgage before I switched. I felt that XXXX XXXX ( Loan Officer ) was not clear and was misleading. She said that my credit was n't good and this is why I received the 4.49 % and not lower. Please help me in this matter I am an eighty year old and ca n't handle all of this aggravation.
12/21/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Application, originator, mortgage broker
  • NC
  • 28215
Web Older American
On XXXX XXXX, 2016, I applied for a refinance mortgage loan with my current mortgage company Branch Banking and Trust Company ( BB & T ). On XXXX XXXX, 2016, BB & T sent me a Statement of Credit Denial, Termination or Change lettered dated XXXX XXXX, 2016. On XXXX XXXX, 2016 and XXXX XXXX, 2016, I sent certified letters to BB & T requesting answers to specific questions related to the BB & T statement of credit denial dated XXXX XXXX, 2016. BB & T has ignored my written request for information about the loan denial. The following support documentation is included with my complaint ( 1 ) the BB & T Statement of Credit Denial, Termination or Change lettered dated XXXX XXXX, 2016, ( 2 ) my letters to BB & T dated XXXX XXXX, 2016 and ( 3 ) my letters to BB & T dated XXXX XXXX, 2016. It is important to note that my CFPB complaint is my third request for information from BB & T about the loan denial ( my XXXX letters to BB & T referenced about plus this CFPB complaint ).
02/19/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 328XX
Web
XX/XX/XXXX purchased a new XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX. They have been doing fraudulent sales tactics and they messed up on the original bill of sales to include my XXXX trade in from XXXX XXXX. I signed paperwork that has XXXX taking Power of Attorney over my trade in. They haven't sent XXXX XXXX the payoff check. I sent in the paperwork to XXXX XXXX showing I traded in the car but they keep harassing me. I'm not responsible for the car. Matter of fact, XXXX is under investigation by the XXXX and Florida XXXX XXXX. They have purposely with held the additional paperwork from XXXX XXXX because XXXX will not refinance the Journey to include the negative equity from the XXXX. That's why XXXX hasn't sent the money to XXXX XXXX. XXXX has doctored up fake application numbers and denial letters. I have a letter from XXXX XXXX congratulating me on my purchase from XXXX XXXX XXXX XXXX XXXX. XXXX has stolen my car from my work and they no longer own the car.
01/16/2020 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Applying for a mortgage or refinancing an existing mortgage
  • NC
  • XXXXX
Web Servicemember
In XX/XX/XXXX, we refinanced a home equity line of credit ( HELOC ) with Branch Bank & Trust XXXX XXXX, VA, XXXX XXXX ( BB & T ). For whatever reason, BB & T failed to record the refinanced lien as satisfied, which is required by Virginia law. In XX/XX/XXXX, we placed our home for sale. When a title search was requested, we were informed that there was an unsatisfied lien against the property. We also learned that we were entitled to payment of a {$500.00} penalty from the bank under the provisions of Virginia Statutes Section 55-66.3. In XX/XX/XXXX, we submitted our claim for this penalty through a BB & T branch in XXXX XXXX, NC which is closest to our new residence. On XX/XX/XXXX, we received a letter from BB & T denying the claim on the basis that the statute of limitations had expired. We totally disagree. We maintain that the statute of limitations did not begin to run until BB & T ceased to be delinquent in the release of the lien, which occurred XX/XX/XXXX.
10/09/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • MD
  • 21208
Web
My mortgage had remained with BB & T Bank since early XXXX when they bought my mortgage from another institution.I pay {$1100.00} as my mortgage and an extra {$100.00} that goes to my principal.My payment period starts XXXX day to XXXX day of every month which BB & T draws from my Account with the bank ( bb & t ) automatically.Incidentally, my XXXX XXXX mortgage was deposited into my BB & T account ( {$1300.00} ) cash around XXXX on XXXX XXXX, which is within my payment period.Surprisingly, BB & t slammed {$47.00} late fee, {$36.00} for belated automatic withdrawal on XXXX/XXXX/XXXX and another {$36.00} on XXXX/XXXX/XXXX when they collected the money that had been in my bb & t account cash since XXXX.When I called the Bank, the {$47.00} late fee was waived, but I am asking for complete refund the remaining {$72.00} which is still hanging.Please help me resolve this kind of shabby treatment particularly given to me by BB & T , as this is not the first time.Thanks.
04/11/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Settlement process and costs
  • NC
  • 280XX
Web
I recently refinanced my house ( paperwork signed XXXX XXXX, 2016 ). Last week beginning XXXX XXXX, I checked my mortgage balance with the old mortgage lender ( Branch Bank & Trust ) to verify that the old mortgage balance had gone to XXXX. It had not. I contacted the new mortgage company, XXXX XXXX XXXX to verify the transaction. They provided me with a document that showed that XXXX XXXX XXXX had transferred, through XXXX {$270000.00} to BB & T on XXXX XXXX, 2016. I have called the mortgage lending group of BB & T almost every day since then to check on the status of the wire transfer. I have called all of the parties involved XXXX XXXX XXXX, XXXX, XXXX, and BB & T multiple times and am unable to get a clear answer on exactly what happened to the {$270000.00} ). The money seemed to have disappeared : XXXX claims they have records of the transfer and BB & T seems to have no records of the transfer. And I seem to be on the hook for two mortgage payments now.
04/21/2015 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • FL
  • 33432
Web
I have been a customer of BB & T bank now for about 4 months and from inception, it has been a nightmare. I believe their fee processing borders on the unethical. Recently I was in a situation were BB & T charged me {$250.00} in fees for a returned item and overdraft situation. Because their systems are so inadequate, I received {$140.00} in unnecessary fees that I flat out refuse to pay. That said, I do accept responsibility for {$100.00} in fees ( XXXX returned item fees and an overdraft fee ). The worst part is that customer service has been almost antagonistic in dealing with me, and totally unhelpful. I have already moved on to a new bank and am willing to walk away completely from my current negative balance of {$450.00}. But to avoid a negative reporting on my credit and elsewhere, I would like to settle my current {$450.00} negative balance for {$310.00} and close my accounts. The difference being the previously mentioned {$140.00} in unethical fees.
05/23/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • FL
  • 32724
Web
OnXX/XX/XXXX I found a fraudulent charge on my statement. The charge was for {$120.00} made on my B & T card charged onXX/XX/XXXX and posted on XX/XX/XXXX I reported the fraudulent charge by calling XXXX My funds were not returned immediately as proscribed by law regarding fraud while an investigation was taking place. When I received the BB & T denial letter onXX/XX/XXXX I called the number provided XXXX and referenced case # ( see attached ) and was told that my claim was denied because I did not report the fraud within 30 days, which is completely contrary to what was stated in the denial letter. As I read the Federal Fair Banking and Credit act section Z it seems there is no statute of limitations on credit card fraud, only that it be reported in a timely manner. I reported the fraud as soon as it came to my attention and I became aware of it. It seems to me BB & T purposely misfiled my claim as a dispute so that they would not have to return my funds.
10/31/2015 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • WV
  • XXXXX
Web Older American, Servicemember
XXXX/XXXX/2015 Debit ***OVERDRAFT FEE $ XXXX $ XXXX Debit TRANSFER XXXX SAV-INTRNT XXXX INTERNET PAYMENT $ XXXX Debit TRANSFER XXXX CHK-INTRNT XXXX INTERNET PAYMENT $ XXXX POS XXXX # XXXX XXXX XXXX XXXX WV XXXX BB & T CHECK CARD PURCHASE-PIN XXXX XXXX Credit COUNTER DEPOSIT View $ XXXX Debit ONLINE XXXX XXXX XXXX XXXX BB & T ONLINE BILL PAYMENT {$50.00} $ XXXX XXXX , ''BB & T '' charged me OVERDRAFT FEE OF $ XXXX XXXX ... ... ... ( FOR {$72.00} ), WHEN I DEPOSITED A ''GOVERNMENT CHECK '' ... ... ( JUST LIKE A GET FROM THE US GOVERNMENT, EACH XXXX & XXXX, OF EACH MONTH ) ... ..THEY KNOW IT IS GOOD XXXX!! SO WHY DID THEY ONCE AGAIN CHARGE ME ''OVERDRAFT FEE ''? I JUST GOT THRU WINNING THE LAST ''OVERDRAFT FEE COMPLAINT '' ... ... ( BB & T..CASE # : XXXX ) ... .ON XXXX XXXX, 2015, ***FOR THE VERY SAME THING***PLEASE HAVE ''BB & T BANK '' ... ... .RETURN MY XXXX-DOLLARS FOR ''OVERDRAFTFEE '', THAT HAPPENED ON XXXX XXXX, 2015 ... XXXX ( ABOVE ). THANKS, XXXX
01/21/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MD
  • 21202
Web
XX/XX/XXXX Re : Regional Acceptance Co acct. # XXXX Dear Regional Acceptance Co , I've been a customer of yours for years now, and recently when reviewing my credit reports I noticed late payments from back in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. and XX/XX/XXXX. I have always paid my bills on time, for as long as I can remember. I really believe that these payments must have been due to an error of some kind, such as an issue with the mail or something similar. If you'll review my account history, you will see that I have never been late aside from these instances. My credit is important to me and my relationship with your company is also important. I've been a happy customer for many years, and would like to remain one for many more. Based on our good relationship, I'm asking you to please remove these late payments from my account and from my credit. I ask you to take this in consideration and please favor your faithful client. Thank You.
07/26/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
  • TN
  • 37849
Web
XX/XX/2019 notified my BB & T branch in person i was traveling and would be leaving a post dated check for my house sitter. Check dated Monday XX/XX/XXXX. Check was presented and cashed on XX/XX/XXXX, causing an over draft. The bank charged me XXXX $ for this and i have been trying to resolve this since XX/XX/XXXX. I called XX/XX/XXXX and the rep said they would send a request to have it refunded. i called back a week later and the rep transferred me, that rep hung up on me transferring me back to a customer service line. i called again a few days later and spoke to a supervisor who told me they would review these calls and get back with me. they did not, i called two more times and again this past week. each time all i get is " we'll review it and call you back '' no one has called me back, i reached out to the office of the President, logged a complaint there as well, and still no call back. I will be leaving BB & T if i can not get the fee refunded.
09/01/2016 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • VA
  • 239XX
Web
I presented a check to XXXX XXXX which cleared their electronic screening. I immediately deposited a check presented to me as reimbursement ( mobile deposit ) the same day. BB & T held the deposit for 3 days. In the meantime, my check was returned NSF and I was charged a XXXX charge. Today, I check my account and see where BBT list my mobile deposit as " available '' and " posted '' on XX/XX/XXXX. This is beyond misleading. If the funds were not available according to their policy, why do they present the deposit on my statement as being available for withdrawal? In actuality, the funds were there. Also, They do not disclose the check that was returned in order that the consumer can get matters straight with the bank or merchant. Because of this, the check was presented a second time. Check in the amount of {$320.00}. I am not understanding how a check can be returned and the ending balance for the day be over and beyond the check amount plus charges?
10/17/2016 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • PA
  • 17601
Web
I deposited to BB & T on XX/XX/2016 XXXX {$1000.00} checks ( balance transfer checks ) from my LL Bean Visa Card acct. The deposit receipts stated {$1000.00} on each along with the date stamp. Later that day upon checking my acct online, there was only {$100.00} each noted as " pending ''. On XX/XX/2016, I called the BB & T manager and was told the rest of the deposit would be available XX/XX/2016. Previously the same type of check for {$800.00} was deposited XX/XX/XXXX and when I inquired the teller told me that type of check would be available immediately. On XX/XX/2016 I made a transfer of funds from my money market acct to my checking acct to avoid overdraft fees and that was also tagged as pending. Please note that my accts are well funded and stable. On XX/XX/2016, I also made a {$500.00} deposit at XXXX XXXX and their receipt showed exactly how much ( {$400.00} ) was available that day and how much ( {$100.00} ) would be available on XX/XX/2016.
04/25/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • VA
  • 23061
Web Older American
Excessive over draft fees on items that are not posted to account until the day of direct deposit is posted ... on the XX/XX/XXXX I received my pay check as a direct deposit of {$340.00} and my direct deposit has been occurring every two weeks for the past three years now..When I checked my checking account on XX/XX/XXXX I had a positive balance ; no notice of an insufficient funds of - {$36.00} & - {$30.00}. When I checked my balance on XX/XX/XXXX I had two debits posted of {$36.00} & {$30.00} along with the credit of the occurring direct deposit of {$340.00} plus over draft fees of {$72.00}. This is outrageous and an overt attempt to steal money from customers ... Other banks I deal with do not charge over draft fees if debits comes in around the same time as a recurring direct deposit..I thought all banks follow this procedure and I was told by the woman who answered the XXXX, VA bank branch phone that BB & T does not participate in such a feature.
04/11/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • MD
  • 208XX
Web
Hi, I have an account with BB & T # XXXX I pay monthly car loan payment of {$470.00} and recently I paid Extra Payment ( Second bi-monthly payment ) to reduce the principal but it went towards interest. I understand bank always finds a way to get money from customer but I want to reduce the principal as well. I filed several case with CFPB and finally I had a chat with XXXX XXXX, BB & T Branch banker, He explained everything and it was very clear until my second extra payment went towards interest, He told me any payment amount over {$470.00} will go towards to reduce the principal but he lied. It went straight to interest. {$2.00} made on XXXX/XXXX/2016. I was going to make more amount but I was afraid they charge extra interest and they did even after they said extra payment will reduce Principal, not deducted as interest. Right, now I 'm really disappointed and I want them to put {$2.00} toward principal as they promised or I was {$2.00} back.
08/03/2015 Yes
  • Bank account or service
  • Other bank product/service
  • Deposits and withdrawals
  • MA
  • 020XX
Web
I resigned from a position I had with a XXXX back on XXXX XXXX, 2015. I had a XXXX account with instructions that stated within 60 days of departure, I was to receive the money direct deposited to a bank account. The positions were sold on XXXX/XXXX/15 and the cash proceeds transferred out on XXXX/XXXX/15. I called my former employer to ask when these proceeds would be direct deposited and was told they would be sent XXXX/XXXX/15 and available XXXX/XXXX/15. I checked my account on XXXX/XXXX/15 and there was no deposit. I spoke with the bank today and they said the deposit would not be made until XXXX/XXXX/15. I received no phone call or correspondence informing me of this change nor an explanation, not to mention the fact that it exceeds the legally stipulated 60 day window. I am in need of this money in order to pay taxes, bills, and to provide for my family. I need a resolution immediately as this is unacceptable use of a former employers money.
06/06/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • TN
  • 37323
Web
I am currently trying to refinance my mortgage at a lower rate. My current rate is 4.25 %. I was quoted a rate by BB & T of 3.5 % on XXXX based on the property value of {$120000.00} which was from the county p roperty tax a ssessor and my excellent credit score. After providing all the consen ts and paperwork to proceed, an appraisal fee was requested. I paid {$620.00} to BB & T for the appraisal. Upon receipt of the appraisal report, BB & T informed me that they could no longer offer me a rate of 3.5 %. They could only offer a 3.625 % rate, since the property value was assessed at {$98000.00}. I have an excellent credit score o f XXXX and feel that the appraisal was deliberately undervalued so that the rate would be inflated. The rate change is fraudulent and misleading. The paid appraisal value and tax assessment are too far apart. This should be investigated for fraudulent activity and prosecuted to the fullest extent of the law.
07/22/2016 Yes
  • Bank account or service
  • Other bank product/service
  • Using a debit or ATM card
  • TX
  • XXXXX
Web
Issue : On XXXX XXXX, 2016 I went to BB & T ATM at XXXX XXXX XXXX XXXX, XXXX Texas XXXX to make a withdrawal of {$300.00} using my BB & T Ready Access Card. The money did not dispense ( the money came out but went back in ). I contacted Manager in person, but was told to call the number on the back of my card. Called the number on the back of my card, they stated they would send me out a form. I received the form, filled it out and returned it. I have not heard from XXXX concerning this matter. So, on XXXX XXXX, 2016 I called XXXX. Spoke to Rep XXXX. I told her that my daughter is on the line and will speak for me. She stated I can not speak with her due to HIPPA, if she continue to talk I will hange up. My daughter asked to speak to a Supervisor and the Rep hung up on us. We attempted to call back, but the hold was extremely long. 1. No real resolution dept 2. Poor Customer Service Skills 3. Fraudlant Company 4. Long Holds before a Rep answers
04/27/2017 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • PA
  • 182XX
Web Older American
I opened XXXX accounts and at the time the teller and bank manager agreed that opening XXXX accounts was a good idea to protect my funds in XXXX account while using the other for online purchases. This proved to be a lie and fraud. I have addressed this numerous times through cfpb b ut BB & T re fuses to address my complaints of fraud. Since the last complaint the account in question has bee closed and charged off to collection without addressing my complaint. I demand an answer to : 1 ) Why did BB & T lie to me telling me my money was safe and untouchable in XXXX account while supposedly having me sign something to the contrary. 2 ) BB & T re fused more time than I can keep track off to provide me with a SIGNED document that I was aware of BB & T po licy that allowed them to take money from XXXX account to offset the other. All BB & T did was provide unsigned rules and policy that I addressed in the past b ut BB & T ign ored.
09/06/2017 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Credit limit changed
  • VA
  • 24540
Web
On XX/XX/XXXX I applied to have my credit line reopened with BB & T, in the XXXX North Carolina branch. My credit line was suspended due to a drop in my credit score over 3 year plus years ago. I applied to have my credit line opened back up, due to my score has increased, also I have never missed a payment on this credit line or with any other product at this bank. I have also asked for a copy of my agreement with XXXX XXXX in the complaint department and have yet to receive a copy of the agreement as I had requested. I have concerns that I may be a victim of overt discrimination as the bank will not take into account my spouse 's income, and due to the fact I 'm now married. I also do n't believe I have been treated fairly as the Branch Manager told me it was not income related, but score driven. I also complied with all requests such as supplying two years tax returns, making a payment to my credit line and providing current check stubs.
06/04/2015 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • NC
  • 28352
Web
After signing up for online banking statements ( paperless ), I was still charged a fee of {$5.00} per month for " return statements ''. I have called the bank ( BB & T ) several times each year as well as going to a local branch ( XXXX NC ). Each time I was told it would be researched and corrected. Nothing was ever researched and the fees kept coming. Now the bank ( BB & T ) tells me they are willing to refund me one year ( {$60.00} ) of the fees even though I know they have charged me at least {$200.00} or more in these fees. They also took the money from a small savings account with these same return statement fees and closed the account. They say that they have no record of me talking to them regarding this problem or of me coming to the local branch to discuss this problem. The computers show when I signed up for no statements so the error on their part should show the amount they have charged me and how much should be refunded to me.
05/29/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • VA
  • 22407
Web Older American, Servicemember
i got behind a payment and a half which my payment is XXXX so they stopped taking my payment, i asked for a loan modification and for months they send conflicting letters i would get 3 a day one stating they need another paper another saying they are going to drop the mortgage ins and another saying they denied my request. they never made it clear what they wanted i would take the letters in to the local branch and they were confused. the bottom line they have made it so hard and confusing now that a lawyer has the file and is going with foreclosure they have told me what they need. the problem was a 2nd mortgage and a letter they needed. i have requested they payoff and have the money to pay it off and am doing so then have to get a letter to give to BB & T but they tell me i may not have time before they put a sale date. i am XXXX a veteran and retired XXXX XXXX and going through XXXX treatment. i just need 30 days or less please help
05/04/2017 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • PA
  • 196XX
Web
Branch Banking and Trust, aka BB & T I spoke with a representative XXXX 2017. The repres entative walked me through online how to OPT OUT of overdraft. I trusted the bank representative gave me the correct information. She in fact gave me incorrect information. Due to the misinformation I received, I received XXXX ov erdraft fees totaling {$72.00} on XXXX / XXXX / 2017. I contacted the bank ; a representative said they could try to pull the calls but because there were so many calls during that time period, they may not be able to review all of them. They could n't promise me a resolution. As I received a refund in XXXX ( admittedly my fault ) they " ca n't '' honor additional refunds for 24 months from the first refund in XXXX . The bottom line is the banks employee gave me incorrect information which caused the overdraft fees. Currently waiting for a follow up call from the manager with the research, if anything.
06/09/2016 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • NC
  • 27893
Web
I unfortunately had to enter into bankruptcy and was advised by my attorney to close my checking accounts and open new ones. I had a checking account that was supposed to allow no OD/NSFs on the account and left approx.. {$2.00} in the account. I opened new accounts at a new XXXX. I had XXXX car insurance payments on auto draft that still attempted to draft on the old checking account, but were not paid and I paid online directly. The old XXXX charged me OD fees on a checking account that was not supposed to assess fees per my agreement. I tried to close the checking out prior with a positive balance, but was told I could not because I had a balance in the account. I tried to close the account out but again was then refused because I had a negative balance due to NSFs. I refused to pay the NSFs, due to having an account that was not supposed to assess NSFs. The bank refused to remove the NSFs and has now reported me to a collection agency.
12/05/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 760XX
Web
I purchased a used car in XX/XX/XXXX using Regional Acceptance Corp as the financing company for the vehicle. The vehicle was repossessed in XXXX or XXXX of XXXX. That information was reported correctly on my credit report. However in XX/XX/XXXX, Regional Acceptance Corp has indicated on my credit report that the vehicle in question was repossessed in XXXX of this year ( XXXX ). The account was actually charged off in XX/XX/XXXX, but according to the 10-99 tax form I received this year it was charged off on XX/XX/XXXX. I filed a complaint through XXXX and XXXX about the inaccurate repossession date information. I have not received a response from XXXX, but I did receive a response from XXXX. Regional Acceptance Corp has now reported the repossession date as XX/XX/XXXX. It appears on my credit report that I have had this vehicle since XXXX with delinquent payments every month until the repossession on XX/XX/XXXX. This is not accurate.
05/25/2017 Yes
  • Checking or savings account
  • CD (Certificate of Deposit)
  • Closing an account
  • Company closed your account
  • PA
  • 17078
Web Older American
I had a 5 yr, CD with the Susquehanna Bank XXXX branch. Last year the bank was bought out by BBT bank. They changed my CD into a checking account. I never was told that was going to happen and when the statements came in the mail I noticed that the interest posted was much less I called to inquire about the changes. They told me that they had changed my CD was now a checking account. I had never been sent any checks, so again I had no clue this had been done. My former CD was paying around 2.5 % and now I have been getting .80 % I never complained to the bank, but this has been a burning question on my mind as to this was legal. I had signed a 5 yr. contract and I feel they had no right to change the terms. I do n't know how many people got burned by this, but Susquehanna was paying the highest rates in the area. I can not afford to hire a lawyer and I do n't know if this is illegal, but they did break my contract without consent.
02/16/2018 Yes
  • Checking or savings account
  • Savings account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • TN
  • 37923
Web
I received a letter dated XX/XX/XXXX from BB & T about my account # XXXX stating that they were changing my fixed rate. This account came from XXXX XXXX XXXX XXXX XXXXXXXX years ago it had a fixed rate of 6.5 % and was guaranteed never to go below that. XXXX XXXX XXXX XXXX XXXXXXXX failed and was acquired by XXXX XXXX in XX/XX/XXXX. They tried to lower the interest rate on these accounts but the FDIC ruled that they could not. Later XXXX XXXX was acquired by BB & T who has paid the 6.5 % interest since they acquired XXXX XXXXXXXX which was many years ago. Now after paying this rate from the time they acquired XXXX XXXXXXXX they want to change it but that was not the guarantee that XXXX XXXXXXXX XXXX XXXX made. Since the FDIC ruled that XXXX XXXXXXXX must pay the 6.5 % a.p.r. why are we having to go through this problem again. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX Phone XXXX E-mail XXXX Thanks for you looking into this for me.
10/20/2015 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • TX
  • 765XX
Web
Sheffield Financial is reporting incorrect dates on my credit report thereby extending the 7 year reporting period. On my XXXX report ( enclosed as attachment ) they are reporting the date of delinquency as XX/XX/XXXX. On my XXXX report ( enclosed as attachment ) " No Data '' for XXXX, XXXX, and XX/XX/XXXX was reported. This account went 30 days past due in XX/XX/XXXX. I made a few partial payments after XXXX but the account continued to remain in arrears. In XX/XX/XXXX, I consulted an attorney if reference to this account ( attachment enclosed ) at which time the account was more than six months delinquent. I request Sheffield Financial substantiate payments received during all periods they are reporting during XX/XX/XXXX. If they are unable to do so, since the account became 30 days past due more than seven years ago, they need to delete any and all negative information reported to all credit agencies associated with this account.
04/04/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AR
  • 72120
Web
I have an auto loan on my credit report that is not mine. I have contacted the company they feel the signature is similar to mine and dont want to remove it from my credit report. They have failed to see the signature on the contract is the same in all 4 boxes and is misspelled the same way in all 4 boxes. The document being used to assume its mine doesnt have my name misspelled on it. Hence I dont leave letters out of my name when signing my signature. I also was not living at the address they say I was living at the time and will attach documents to support my different address. I have sent requests to the credit reporting agencies along with my identity theft report and still they are refusing to remove it. Which at this Point is showing gross negligence on the company and credit reporting agencies. In turn leaving me options to monetary damages if I was to take action for the damages I have incurred as a result of inaccuracies.
11/22/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • FL
  • 33308
Web Older American
I made a transfer to an account located in the XXXX ( international ). The transfer amount was {$1800.00}, and the transfer was made on XX/XX/XXXX. The bank, BB & T, charged {$56.00} for an " International Assessment Fee '' ( deducted on the same day ) .I complained, asking what this was for ; the reply was " This is our policy. '' There is no service corresponding to this fee. On XX/XX/XXXX, I made an ATM withdrawal while travelling in XXXX. The amount was {$83.00} ( XXXX Bank, XXXX ). Once again, I was charged an " XXXX XXXX XXXX '' of {$2.00}, deducted from my account on XX/XX/XXXX. There is a separate ATM usage fee of {$5.00}. It is difficult to see why an ATM withdrawal made from a major bank would require " assessment. '' There have been repeated charges of this type on every international transaction, always without any justification. I would ask the CFPB to intervene as this is a disgraceful abuse of my account.
04/08/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • MA
  • 01923
Web Older American
I XXXX XXXX of XXXX XXXX XXXX XXXX recently purchased a XX/XX/XXXX XXXX sel and took out a used car loanmy previous car loan was through XXXX bank of massachusetts for {$280.00} per monthand I was never informed previously that my loan was sold to branch banking and trust company XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX texas XXXX never received a phone call or letter from XXXX Bank telling me my auto loan was soldmy new loan payments start as of XX/XX/XXXX with XXXX Bank XXXX XXXX Ma. the payments will be {$360.00} per month and I am on a fixed income from social security and XXXX I only receive {$1500.00} per month and I can pay the new loan but I ca n't pay the other loan payment.I would like this resolved as soon as possible before my new payments startI think this is a scam or fraud and it should be investigated by the consumer protection agencyI will not be scamed or have my assets be taken from meRegardsXXXX XXXX
07/07/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • NJ
  • 07305
Web
I am writing to state that this company is in violation of the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information on my credit reports with XXXX, XXXX and XXXX. The inaccurate information that is clearly different on all three credit bureaus. They are supposed to report the same information on all three credit bureaus, this is causing me to get denied for credit and if not deleted from my credit will consult with an attorney who specializes in FCRA violations. Account Number : XXXX XXXX XXXX XXXX XXXX XXXX High Credit : XXXX {$16000.00} XXXX {$20000.00} XXXX {$20000.00} Last Reported : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Date of Last Active : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Date of Last Payment : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Also , this is clear evidence that they are not reporting accurate information per XXXX XXXX guidelines set forth by the XXXX.
03/29/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • MN
  • 55379
Web
BB & T has a policy where, if the full amount of a mortgage payment is not received, they place the payment they did receive in a suspense account rather than crediting the partial payment to the mortgage loan. They leave the payment in suspense until subsequent payment is received ; they then deduct the shortfall amount from the current month 's payment and add it to the prior month 's payment and apply it to the loan and then move the current month 's payment into suspense. In our case, our payment increased due to an escrow increase ; we did n't realize that when we paid the escrow shortfall in full that our payment amount was still increasing, so we did not change our monthly remittance. As a result, we now have negative information that was reported to the credit bureaus making it seem as if we have not been paying on our mortgage at all. I believe the payment application process is an improper business practice.
12/07/2016 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • FL
  • 33143
Web
BB & T is playing a very sneaky game with overdraft fees. I am being told I over XXXX my account on Sunday but my account still showed a positive balance on Monday of over {$100.00} so I spent money. Since BB & T uses a running balance if I spent the money it should not be visible to me anymore. They have confirmed this numerous times. The moment I knew I over drew my account, Tuesday when they emailed me, I deposited enough to cover everything plus {$50.00}. The overdraft fees continue for now XXXX more days. BB & T claims it 's because the overdraft fees were applied on Monday not Tuesday. But I was not notified of that and it was n't even visible to me. So basically there is no way for me to stop dozens of overdraft fees even if I deposit money since they are applying the fees the day before the charges clear. I have emails verifying the transfer of money and the overdraft fees being applied including exact times.
04/27/2015 Yes
  • Bank account or service
  • Cashing a check without an account
  • Deposits and withdrawals
  • FL
  • 32904
Web
Many banks ( XXXX XXXX XXXX XXXX - began XXXX - personal funds, XXXX XXXX - from personal deposits XXXX. XXXX - SSD deposits began in XXXX XXXX to current ', XXXX XXXX - XXXX personal check, BBT Bank deposits were via DoD, XXXX XXXX XXXX XXXX stolen funds from sale of personal fraud - sale of jewelry, XXXX XXXX XXXX , XXXX , XXXX ) other Banking Institutions have also been utilized, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX utilized since XXXX XXXX - utilized in XXXX County & XXXX , XXXX XXXX XXXX XXXX . XXXX XXXX, XXXX XXXX XXXX ) These banks were utilized for depositing funds from work performed thru DoD, XXXX, XXXX, XXXX sale of XXXX, funds continued - in XXXX XXXX - located in XXXX, XXXX ( XXXX XXXX, XXXX XXXX - contract Admin, ). As the total accumulation is Insurmountable - began in XXXX ). The majority of funds, while deposited by me, they were stolen by XXXX XXXX XXXX - SS # XXXXwere depleted!!!! pp
05/31/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • FL
  • 34986
Web
Since purchasing this vehicle and securing the loan through Regional Acceptance Corporation, I have had some medical problems which caused my Mom to make the payments. She has been doing so but fell behind. Representatives have called my Mom 's phone number up to 5 times a day and most times, my Mom will talk to them. I wrote a letter and signed it on XX/XX/2019 requesting that my Mom be placed on the account. She was told that the letter was not accepted because they had to talk to me personally. That is not possible. Today my Mom attempted to make a payment and they would not accepted it. I don't think it is fair that they would not accept my letter because they are well aware of my medical problems. They call my Mom up to 5 times a day ( even on XXXX XXXX ) but won't talk to her about possible solutions to correct the deficiency. Yet they accepted payments from her without any questions. Please help! Thank you!
02/09/2016 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • NC
  • 287XX
Web
I have XXXX bank accounts with BB & T, neither are used as overdraft protection for the other because I preemptively " opted out '' for both accounts with the understanding that BB & T would decline all transactions if/when my accounts have insufficient funds. On XXXX XXXX, 2016 BB & T transferred {$140.00} out of XXXX of my bank accounts without my permission. The {$140.00} was apparently taken to pay off a {$5.00} service fee and {$140.00} of overdraft fees amassed from {$45.00} being pulled from my account as result of XXXX 's default settings. Again, my understanding of the " opt-out '' option was that the bank would decline all transactions if funds were not available. Nonetheless, I have made a voluntary payment of {$45.00} within the last 30 days, but the forced transfer of {$140.00} on XXXX XXXX was done without my permission and to my detriment as I have other, more pressing expenses to handle right now.
05/26/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • TX
  • 78259
Web Servicemember
In XX/XX/XXXX I purchased the vehicle which was on the lot for {$20000.00}, with an interest rate of 17.96 % and other added charges the total amount of the loan was {$32000.00} with my payment being {$630.00}. Since XX/XX/XXXX after getting sick, placed on XXXX XXXX, I 've struggled with the payments, had a number of extensions, yet I 've still paid a total of {$39000.00}. At this time I 'm still having some financial woes and talked to them several times about refinance, to lower the payment, yet told that was n't possible. I feel at this point, having paid the total amount of the loan, plus an additional {$7000.00} this debt should be written off as paid in full. When speaking with XXXX XXXX on the XX/XX/XXXX, they 're saying I still owe approx 13,000.00, if asking about a pay off, 10 day pay off at that time was quoted as {$12000.00}. I am really in need of this matter being resolved as stated, PAID IN FULL.
10/01/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NC
  • 28306
Web
I notified BB & T on XX/XX/XXXX of unauthorized charges and checks on my account. I advised BB & T that I had not used my account since XXXX of XXXX due to job change. Two checks were deposited into my checking account ( {$6000.00} and {$2500.00} ). I advised BB & T on XX/XX/XXXX that I did not deposit check or had no knowledge of checks being deposited. I advised BB & T on XX/XX/XXXX that charges on the account I did not authorize. I have faxed in police reports to BB & T and they confirmed they did not need anymore information and just to monitor my account. The account is no longer showing on my BB & T app but I received a call on XX/XX/XXXX from BB & T collections advising me that my claim was denied XX/XX/XXXX and that they are calling to collect payment. When I spoke with centralized collections BB & T advised me I did not dispute every charge on my account. I disputed all charges on account on XX/XX/XXXX
10/05/2016 Yes
  • Mortgage
  • Home equity loan or line of credit
  • Loan servicing, payments, escrow account
  • PA
  • 19122
Web
My fixed rate 20 year mortgage originated with XXXX, was transferred to XXXX XXXX in a takeover/buyout and is now held by BB & T bank. Since the bank buyout transition in XXXX 2016 my mortgage statements have been riddled with irregularities, the worst of which, is that my 'Outstanding Principal Balance ' has n't gone down since XXXX, even though they have taken 3 payments since then. The most recent statement indicated that 100 % of the payment made was allocated to Interest and 0 % to Principal. What alerted me to the problem was that the " Explanation of Amount Due '' fluctuated irrationally from statement to statement and did not correlate with the " Transaction Activity '' after the payment had been processed. To try to resolve the issue, I went to a local bank branch and called the main number. No one seems to know what is going on, and I am certain it is not an isolated case pertaining to only my loan.
07/10/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • VA
  • 242XX
Web Older American, Servicemember
BB & T has once again done the unthinkable. I have a XXXX son who has been XXXX since 1985. He is XXXX from the XXXX XXXX XXXX XXXX. He had my name of his account only if he becomes XXXX and can not do things for himself. He, XXXX XXXX is the only one who can access this account according to the XXXX BB & T. He has called because of a prior issue that came up some time ago and was assured No one had access to this account unless he passes on or becomes XXXX XXXX. BB & T took funds from his Personal account and paid My past due Credit Card bill. XXXX uses this account for medical expenses and XXXX equipment and his private use Only. I have Power of Attorney to be used only with his permission and funds to be withdrawn for His Private Purpose only. BB & T withdrew {$1100.00} from his account that once again, he was assured only he could access. This transaction was done by BB & T Recovery Department, XXXX, NC.
10/27/2018 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • SC
  • 29209
Web Older American
I went to BB & t Bank on XXXX XXXX XXXX. in XXXX XXXX in the year of XXXX, XXXX.I was denied a loan both times. 1 st reason was because of me filing chapter XXXX in XXXX XXXX. 2nd reason was because of my debt ratio. I explained and told Mr. XXXX XXXX that I have 2 cars 2 houses in my name. One car, one house belongs to my daughter which she makes the payments. I had to show this information before I was granted the mortage with BB & t, 5 years ago. I need the money to have trees trimed and cut which my insurance co. does not approve of giving any money, to help me. My next door neighbor is bugging me about getting it cut. My email address is XXXX my contact number is XXXX. I feel that I'm not being treated fairly. I feel that Mr. XXXX made his own decision about my loan. I never received a letter from the underwriter, confirming the reason why I can not get a loan. I will wait for a responds from you all.
05/10/2016 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • NC
  • 28645
Web
I am a single mother of XXXX boys. I work hard everyday and live paycheck to paycheck and for years, BBT has been charging me with overdraft fees when a deposit or direct deposit has been made. I have been told that all debits come out first before credits and have tried numerous time to have my fees refunded. I have started taking screen shots with my phone to keep check on my account and have taken my phone to show these screen shots of my account to be told that debit comes out first before credits. I have talked to numerous people that bank with BBT as well as comments left online from other people that bank with BBT that they are gouging people with fees. I am at my wits ends and feel so used by my bank institution. Just so sad and disappointing that these banks feel that they can charge fees left and right from working class people who struggle to make ends meet and some of those are single parents.
08/30/2018 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • TX
  • 787XX
Web
Good Afternoon, My name is XXXX XXXX. I have a business checking account with BB & T. I opened the account online, was approved and transactions have occurred since the beginning of this year. 2 weeks ago a person in NC made a claim to BBT that they are an owner in my XXXX. Because of this the bank has blocked my activity and access to the account. BBT for the last 2 weeks has not had a representative contact me personally to explain the situation or provide a time frame for a remedy. The other individual 's attorney has had 2 weeks to provide documentation of proof of llc ownership and has not. BBT will not provide me with a time frame for how long the other side can block my account. BBT has failed to provide any sort of customer service or involved action to provide me with details, remedy or timeframe for resolution. Bills need to be paid and we are 2 weeks behind at this point. XXXX XXXX XXXX
12/18/2019 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Deposits and withdrawals
  • VA
  • 241XX
Web Servicemember
ON XX/XX/19 I WITHDREW {$4500.00} FROM CHECKING N MONEY MKT. ON XX/XX/19 I WITHDREW {$4500.00} FROM CHECKING. I WAS RED FLAGGED N QUESTIONED ABOUT 2 WITHDRAWALS. I WAS A BIT UPSET CALLED 800 NUMBER. A XXXX READ ME THE RIOT ACT ABOUT MAKING 2 LARGE WITHDRAWALS IN A 4 DAY TIME SPAN. HE ALSO INSINUATED I WAS DOING SOMETHING FRAUDULENT BY GOING TO 2 DIFFERENT BBTS. HE SAID I MUST GO TO MY LOCAL BANK N NOT BANK TO BANK. ON XX/XX/XXXX I WAS IN XXXX GROCERY SHOPPING WENT TO BBT THERE. ON XX/XX/XXXX I WAS AT DOCTOR IN XXXX XXXX N WENT THERE. HE THREATENED TO FREEZE MY ACCOUNTS AND REQUIRE APPROVAL BEFORE MAKING ANY MORE WITHDRAWALS. I SAID THIS IS MY MONEY N HE CAN'T DENY ME ACCESS TO IT. HE BASICALLY STATED YES HE CAN. I WAS MADE TO FEEL LIKE A CRIMINAL FOR TAKING MY OWN MONEY OUT OF THE BANK. ALSO ALL MY MAIL IS TO GO TO MY PO BOX BUT ITS GOING TO MY STREET ADDRESS. I DID AN ADDRESS CHANGE XX/XX/XXXX XXXX
07/27/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • KS
  • 67207
Web Servicemember
I had bought a new XXXX XXXX XXXX in XXXX 2010 and I had a contract to finance this car for 72 months. I deferred a few payments over the time when I bought the car. The car was financed for {$27000.00}. The car should have paid off by now and I talked to the finance company XXXX XXXX to see how much I owe and they say I still owe over {$13000.00}. This amount is crazy I asked for an audit of my file and they wo n't do it they say everything is correct. There is no company on this earth that would finance a car and if someone is that far behind in payments would n't repo the car. They know I make my payments in a reasonable amount of time over the years of finance even my credit report shows. Now I 'm afraid they will repo the car that I should have outright owned a year ago. Is there any help I can get to rectify the situation? They are telling me I have to pay over {$13000.00} to pay off the car.
12/02/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33409
Web
I just recently pulled my XXXX and XXXX credit report and i notice XXXX XXXX is reporting a failed payment or FP for the month of XX/XX/2013 on my XXXX credit report but when i looked at my XXXX credit report it clearly shows where it says " Date of last payment '' it shows XX/XX/2013 this leads me to believe that the entire payment history is being reported wrong. This account is closed and charged off and is having a negative impact on my credit score. Also XXXX XXXX has the wrong account number on both credit reports XXXX is showing account # XXXX and XXXX is showing # XXXX I was just recently turned down for a mortgage because of this inaccurate tradeline. I want XXXX XXXX to show proof i made a payment on XX/XX/2013 because it clearly states i did with XXXX if they cant provide me proof. I want this inaccurate account deleted form a 3 credit reporting agencies XXXX, XXXX, XXXX XXXX.
02/08/2016 Yes
  • Bank account or service
  • Savings account
  • Deposits and withdrawals
  • WV
  • 24740
Web
On XXXX/XXXX/2016, I made a mobile check deposit from XXXX, to BBT. The check was in my name and the amount was {$2500.00}. BBT placed an administrative hold on the funds, until XXXX/XXXX/16. Once the funds were released, I learned that they had frozen my savings account where the check was desposited because they believed that the check was fraudulent. I then contacted XXXX, who told me that the funds had been sent, and that there was no way to get the money back. I contacted BBT multiple times and tried to resolve this issue, but as of XXXX/XXXX/2016, my savings account remains frozen, with no XXXX proof that the check was fraudulent. They told me that they had contacted metabank who told them that the check was unauthorized, but when I contacted metabank they claimed that no such call had occurred. A worker named XXXX in the fraud department for BBT actually placed the hold on the account.
03/23/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • NC
  • 28262
Web
On Monday XX/XX/XXXX I noticied that I received an additional overdraft fee for a transaction that was conducted on the XXXX. When I spoke with the rep she stated that it was a result of processing on the merchants end. At that time I was in the negative and was not notified that I would need to bring my account positive within a certain time frame. On Wednesday the XXXX I set up an ACH debit to come out of my account. When I checked the mobile app and ATM on Thursday the item was not pending. When I checked my account on Friday the item had posted and I was assessed a overdraft fee. Had the item been shown as pending or I was notified that the item would be coming in I could have made the account positive to avoid fees. I was also assessed a fee for my account being OD for 7 days. Had I been notified that this would occur then I would have again attempted to bring the account back positive
06/19/2016 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • TX
  • 76006
Web
BB & T decided that they would investigate my checking account that I had with them in 2013. I was not recording my transactions accurately to where I was under the impression that I had available funds in the account when I did n't. During that time I also had an account with XXXX XXXX that I just opened because I did n't like the way that I was being treated at BB & T. BB & T closed by account because I was always negative and decided to inform XXXX XXXX who froze my money. I had to wait 7 DAYS in order to get my own money released to me. Then XXXX XXXX closed my account because of BB & T. Its really crazy because every time I go into XXXX XXXX, they offer me to open an account with them. I never ever want to do business with XXXX XXXX or BB & T ever again. I also make sure that when I hear consumers going to open accounts with them, I tell them of my story and they change their minds.
06/09/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • IA
  • 51104
Web Older American
Several years ago I refinanced my mortgage loan to pay off my school loans. When I did so, I was assured the flood insurance would be the same as the the loan I initially had my loan thru. In the refinance process they sold my loan to BB & T assuring me the flood insurance requirement would be handled as it had previously, that being I would pay for flood insurance on the outstanding principal of my loan. My house is assessed for taxes at {$78000.00}. Resale value is between {$80000.00} and {$85000.00}. My refinanced mortgage balance is {$45000.00}. BB & T is assessing my flood insurance on {$110000.00}. I contacted them several time and received no satisfaction. I was told the rules set forth by the National Flood Insurance Refort Act of 1994 is a standard, not a law, and the bank is not required to follow it, that they make their own rules. I feel this practice is unfair and deceptive.
06/06/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • VA
  • 223XX
Web
On XXXX I entered the bank of BB & T and they stated my account was BLOCKED due to XXXX ( XXXX XXXX XXXX ) this account was not my personal account this account is my business account. Source stated that it was due to check fraud. Back in 2015 I disputed all information regarding this fraud with proof of Identity theft and also disputed this information with XXXX XXXX and found that I was not at fault. XXXX stated that the did a dispute with XXXX XXXX XXXX to prove that it wasn't me and that the information that came back from them was accurate stating that I have two accounts with them. This information was inaccurate and even XXXX stated that the information was inaccurate. XXXX is owned by big time banks and XXXX XXXX XXXX and BB & T are one of them. Now my business account is on block and I have important things to do. this is ridiculous that they would do this and I'm very upset.
04/13/2015 Yes
  • Debt collection
  • Auto
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 100XX
Web
XXXX XXXX XXXX XXXX has sued XXXX XXXX for purported damages to a leased vehicle that either do not exist or were inflated. Any condition of the car resulted from normal wear and tear for which XXXX XXXX was not liable. XXXX refuses to supply the only evidence that it claims it has/had to show damage -- but refuses to provide : actual pictures of the damage. It appears that XXXX is seeking to collect money not owed in a deceptive fashion. Scores of other consumers are making similar complaints as reflected in XXXX reviews : ( XXXX ) Simultaneously, XXXX reports delinquencies to XXXX XXXX XXXX credit reports that bear no reasonable connection to the purported debt. XXXX is reporting a balance of {$64.00} on XXXX XXXX 's credit history but has sued her for {$2300.00}. Aside from misrepresenting dollar amounts, XXXX is misrepresenting the identity of the creditor to XXXX XXXX 's credit.
12/16/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • MN
  • 554XX
Web
I received a loan for the purchase of my vehicle from XXXX XXXX Bank. I setup an autopay account with that bank. XXXX XXXX sold its auto loan portfolio to BB & T. XXXX mailed me a letter indicating that that it sold my loan to BB & T, which in turn, would be serviced by " XXXX XXXX XXXX XXXX / XXXX. XXXX XXXX / XXXX, Texas XXXX / Phone : XXXX '' XXXX 's letter indicated that BB & T and/or XXXX XXXX would be mailing me a " Welcome Package '' indicating how I could setup autopay. I do not know my account number and can not pay the loan. XXXX XXXX continues to call everyday. I 've asked that they either mail or email me instructions for setting up electronic payments, as I do not feel comfortable handing over this information to someone whose identity I have not been able to verify over the phone. I have not yet received this information, yet BB & T / XXXX XXXX continues to call daily.
01/01/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • VA
  • 22408
Web
I have a personal account with BB & T. BB & T sent me a letter which stated that Bb & T debited {$100.00} from my account for a check that was deposited previously. However, on going through the history of my account I did not find a single deposit of {$100.00}. The letter that was sent also had a copy of the check. But the copy of the check they sent did not have my name on it and neither was that check ever deposited in my account. It was somebody else 's check with their personal information in it which was shared with me. On inquiring about this issue with the local branch on XXXX XXXX, XXXX they said that this debit was made because of another check that was deposited in my account for {$98.00}. If the deposit amount was of {$98.00} then why was a debit of {$100.00}? On asking this question to the bank manager as well as the clerk I did not receive any satisfactory response.
03/05/2019 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • GA
  • 30345
Web
I opened a Bank account with BB & T ( XX/XX/2016 ) Account number ending in XXXX, this was a student Banking account. This account was then closed on ( XX/XX/2016 ). I received the letter stating that the bank decided to close the account due to the information found on my XXXX XXXX report. I was a victim of identity theft and Made the indication to the bank for the information found on the report and requested for my information to be reviewed. They have reported these accounts to XXXX XXXX and they remain on my record. I have notified the bank and requested that they remove the information from my records and they have not done so. There is no current information listed on my XXXX XXXX indicating any reason as to why my accounts should have been closed. This matter is affecting my ability to bank with any banker and is putting a hindrance on my financial ability to bank.
03/05/2019 Yes
  • Checking or savings account
  • Savings account
  • Closing an account
  • Company closed your account
  • GA
  • 30345
Web
I opened a Bank account with BB & T ( XX/XX/2016 ) Account number ending in XXXX, this was a student Banking account. This account was then closed on ( XX/XX/2016 ). I received the letter stating that the bank decided to close the account due to the information found on my XXXX XXXX report. I was a victim of identity theft and Made the indication to the bank for the information found on the report and requested for my information to be reviewed. They have reported these accounts to XXXX XXXX and they remain on my record. I have notified the bank and requested that they remove the information from my records and they have not done so. There is no current information listed on my XXXX XXXX indicating any reason as to why my accounts should have been closed. This matter is affecting my ability to bank with any banker and is putting a hindrance on my financial ability to bank.
01/31/2020 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Trouble during payment process
  • FL
  • 33186
Web
I have never been late on the Heloc account and the servicing company knows this. BB & T filed a lawsuit claiming that a default occur when i never did. The note expired and is the reason for the lawsuit. Before the note came to its maturity date, I applied for a loan modification to extend credit. BB & T failed to process the request by claiming that due to the foreclosure loss mitigation was not an option. We disagree with BB & T lending practices. All servicing companies participate in the loss mitigation program specially in the State of Florida, a judicial state. in fact, millions of loans have been modified while on foreclosure. A few days ago i spend 5 hours on the phone with BB & T requesting contact and fax number to the loss mitigation department. I was transferred to more than 9 customer service individuals. None of them were able to provide any information.
11/11/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MN
  • 55428
Web
On XX/XX/2018 I went to XXXX XXXX XXXX XXXX MN to get a car. Upon arrival, I signed a loan application. In the application, it stated that the company ( XXXX ) would disclose who my application would be given to, to access my credit report. This information was not given to me at the time, and my credit report was accessed by several financial institutions all across the United States, without my consent. The dealership, ( XXXX XXXX XXXX XXXX ) failed to honor the loan application, and therefore violated my rights within the FCRA. When speaking with the manager of the company, she informed me there was nothing they could do. Attached is a copy of the original loan application. The company clearly states the information, ( who accessed ) my report would be provided. Neither the person who received my application, nor the finance manager offered this information to me.
11/21/2018 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Didn't receive terms that were advertised
  • NJ
  • 07024
Web
I opened a BB & T checking account on XX/XX/2018 under a promotion as outlined below : Within 75 days of account opening you will receive the {$150.00} incentive if 1 of the following is completed : - Enroll in and receive two direct deposits of {$100.00} or more OR - Use U by BB & T bill pay to initiate three online payments of {$25.00} or more I did 3 billpays ( each for {$26.00} ) on XX/XX/2018 which fulfilled this requirement. In the following 4 months I repeatedly contacted BB & T bank through secured messages online and was repeatedly sent canned responses that delays the opening bonus. Their response stated that " Your account will be reviewed between 75 and 120 days '' and " The {$150.00} incentive will be paid within four weeks of qualifiers being met. ". It has been 129 days since I met the requirement and they are not responding to my messages anymore.
12/19/2017 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • SC
  • 29576
Web Older American, Servicemember
Let me first say that I have been a BB & T customer for many years, Mortgage, checking, savings, etc. accounts. On Saturday, XX/XX/XXXX, my husband and I went to the bank to add my adult daughter 's name to our account. Prior to this date, she was not on any of our accounts. Today, XX/XX/XXXX, I check my account only to find a forced debit of {$270.00} which was due and owing on the account of XXXX ( my daughter ) and her partner ( XXXX ) for and account opened some years prior. Obviously, I 'm upset because we only added my daughter 's name because we felt like we needed to have someone else 's name in case of an emergency. Now had we known that this would cost us their bill, we would have reconsidered. Given that we only added her this month XX/XX/XXXX, we feel that it 's unfair to penalize us for their poor banking practices. How often does this happen to others?
07/28/2016 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • FL
  • 33415
Web
My ex-husband and I went to BB & T Bank after he was diagnosed with XXXX to add me to his bank account by completing the paperwork and completing a signature card. We brought wirh us a power of attorney, and was told it was not needed because we were both present at the bank. This was done for the sole purpose of getting things in order as we were told he had a minimal amount of time to live. After this was done I did most of the banking transactions which included making deposits and paying the bills. In XXXX 2016 I made a deposit and went back in a few days later to cash a check and they froze the bank account and could not find the signature card. I have unable to pay any bills out of this account. They acknowledge that the problem was the banks error, but said they have rules they have to go by. I am unable to access this account from the funds I have deposited.
11/27/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • NY
  • 10305
Web Older American
I returned a lease vehicle to auto mall XXXX in XX/XX/2016 and I made monthly payments to Hann leasing. The lease was for 39 months and I drove the car about XXXX miles. I had a few scratches on the car. I expected to pay something for wear and tear but I received a notice XXXX months after the car was returned for {$2300.00}. I was charged {$1900.00} for paint labor and parts and they indicated I was in a collision?. The car I leased was a XXXX ultima. I would like to pay them a couple of XXXX dollars to conclude this matter. I have read stories on the net they attempt to rip off other consumers with over the top charges. They have an in house mechanic XXXX who is part of this fraudulent charges. My lease was XXXX per month and their charges just happen to be XXXX year of payments. I obtaine the lease thru XXXX XXXX and they obtained the loan for hann leasing.
08/01/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • GA
  • 30080
Web
My insurance company attempted to make payment and requested a Letter of Guarantee for the title, but was told Regional Accepatnce 's insurance department is short staffed, so it would take between 4 - 6 weeks to draft the letter ( which at most, takes 3 - 5 business days ). I called and was told my loan would still be accruing interest and payments due while waiting for them to send the letter for a vehicle deemed a total loss. I was told I would have to make a payment extension, then told my XXXX insurance would not cover any time I had a payment extension, and that interest would still accrue ( daily ) during this time period. They are not the same company I have XXXX with and it is not in my XXXX contract.. I am now paying for my rental vehicle since it has been over 30 days, due to them stating they have an issue with staffing in the insurance department.
06/22/2016 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • AL
  • 35801
Web
I paid {$60.00} to open a bank account online with BB & T. I got an email, after they took my {$60.00} and all my information, stating that I needed to go to the office and verify my address. They made me pay {$50.00} more to open another account because they could not find the account I opened online with the {$60.00}. They said that it is XXXX fault and not theirs. I have talked to the manager at the BB & T in XXXX, AL and talked to the lady who opened my XXXX account named XXXX XXXX. She says over and over that it was not {$60.00} but {$50.00} and that she has sent a fax to regions bank. XXXX XXXX has been very rude to me and probably because I 'm on XXXX. She now says I have to call her back regarding an issue she has with me. I 'm just going to change banks but I need the {$60.00} that was taken from the XXXX XXXX account before I leave. Please help me!
02/10/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 75248
Web
I contacted Regional Acceptance and XXXX back in XX/XX/2018 in regard to this account reporting in accurate. This account was authorized under another individual name. I explain to Regional Acceptance that I was release of all responsiblity with this vehicle by a written agreement with the owner and should not be liable since I contacted their company in regard to this matter before hand. The dealership was aware I asked to be removed prior to the final signing from all responisbility of this vehicle. Because of the high interest and fortune to pay back terms. Regional Acceptance has fail to provide me all or any documentation to prove the outstanding balance exist and the written agreement that I'm obligated for this loan. I'm requesting this account be removed from my credit report immediately and this company be investigated into their lending practices.
01/15/2016 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • TN
  • 378XX
Web
BBT ( Banking ) continues to charge overdraft fees. For example, they will have pending amounts that they already take the amount off of your available balance. Then when a charge goes through that is not pending, they charge you an overdraft fee. When you go to the ATM to put money in to cover the negative balance, they hold the amount, then, the next day, when the pending amounts go through, they charge you another fee before depositing the money you deposited the night before. They have changed the time you are allowed to deposit from XXXX to XXXX, and will make NONE of the money you deposit available to you until the next day. The fees are out of control. They began charging a fee is you download your statement to XXXX. We were unaware of this, so they charged a fee for THAT fee. Banks are OUT OF CONTROL!!!! I have even had a hold on CASH deposits.
07/10/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • MD
  • 20878
Web
I financed my house with a 15 yr, fixed rate mortgage and have paid mymortgage on time every month. Further, I have paid an additional $ XXXXto principal with each loan payment since the inception of the loan. Normally on fixed rate mortgages, the interest decreases while thepayment to principal increases as each payment is made. On theservicing of this mortgage, the interest that I pay fluctuates with everypayment and does not steadily decrease. For example, the interest thatwas posted on the statement dated XX/XX/XXXX of {$100.00} isslightly higher than the interest posted on XX/XX/XXXX of {$100.00}. Ibelieve that the allocation between principal is calculated incorrectly for afixed rate mortgage. I wrote to BB & T and received a timely response, but the letter does not address my concerns it merely cites that it is incompliance with CFPB regulations.
09/08/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • AR
  • 72712
Web
Last year ( XXXX ) we bought a house and financed it through XXXX Bank. Later the loan was sold to BB & T bank. Last month ( XXXX ) we refinanced our loan. With the refinance process, a new escrow account was set-up with the new lender XXXX XXXX Bank XXXX and it was funded at the close ( for about {$2500.00} XXXX We have already received the letter from BB & T ( the previous lender ) that the loan is paid off. At the time off the refinancing, BB & T had about {$2100.00} dollars in the escrow account. Since then I have asked BB & T various times over phone and via their secured online email process that when the escrow will be refunded back to me. So far I am not getting any straight answer. I want them to return BB & T my full escrow amount without delay and would like your help in resolving this without delay. Thank you for your help in this matter
03/19/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • PA
  • 173XX
Web
I started with a {$150.00} balance on XXXX. I withdrew {$20.00} from the ATM and made an online purchase for {$29.00}, which left my account balance, {$100.00}. Those charges for the ATM withdraw and purchase were pending but the money was in my account. My car/house insurance came out of my account the following day for {$110.00}. Leaving me with a - {$10.00} balance. I was charged an overdraft fee of {$36.00} for the {$10.00} that I was negative. On XXXX, the pending charges from XXXX, in which the bank had already held for payment and I had the money for on XXXX, posted and I was charged XXXX for each of those. My gym membership ( {$21.00} ) also came out that day and I was charged a 4th overdraft fee for that. I went into the bank and spoke with XXXX XXXX on the morning of XXXX. She could only refund one of the 4 overdraft fees totaling {$140.00}.
04/20/2015 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • FL
  • 33772
Web
On XXXX/XXXX/15, XXXX checks were deposited into a longstanding business account equaling {$4100.00}. BB & T Commercial Bank then closed the account the day after and decided to keep the money that belongs to my business for as long as THEY WANT TO! When I realized that my account was closed on the XXXX of XXXX, I went to the bank to find out what happened. The bank manager REFUSED TO REINSTATE MY ACCOUNT without giving a valid reason for this behavior and claimed that the money will be mailed out to our address on XXXX XXXX, which is far too long into our future, not to mention waiting an extra 5 days for mail AND no way to cash it! My business relys heavily on this account having {$4100.00} in it NOW! If they do not pay me now, my business is at RISK! I know it must be illegal to hijack {$4100.00} from a patron while making interest the entire time.
05/12/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • DC
  • 20018
Web
I have kept my BBT Visa card current for the most part ( greater than 95 % of the time ) since its issuance. I spoke to a representative today and learned that the card had been cancelled even after I made more than double the amount due as a minimum amount in the last 14 days. The card balance was made successfully. I never bounced a check or had issues with the minimum payment and sometimes paying much more than the minimum. The card statement shows available credit but when I used it today, I was blocked on the account. As consumers, like me, recover from the financial crisis, they need access to credit in underserved areas. The card was not paid chronically late ever. The last balance was not even over 90 days and typically the card is paid as agreed. BBT added la te fees and other cost that caused the card to go over the limit.
09/21/2016 Yes
  • Mortgage
  • VA mortgage
  • Application, originator, mortgage broker
  • NC
  • 28602
Web Older American
I am very devastated for all the excuses BB & T Mortgage has gave me in order to denied my loan. I have tried to work directly with them but they keep prolonging my loan and making me fall more behind. I been forced to re-apply every time, I am an elderly man and this is causing my health to decrease and I have even start working a second job to proof BB & T Mortgage that my intentions are to keep my house. BB & T Mortgage needs to review my loan under the correct income, I am sure they keep doing this to me because I am an elderly and they think I do not know my right but I do and I am fighting to stay in my house. Therefore I wont stop until I safe my house this is the only thing I have left, and I do not want to end homeless. Please have some compassion and review my loan fairly. I am a VA and have serve my country this injustice needs to stop.
07/20/2017 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • KY
  • 403XX
Web
In XXXX of 2014 I opened a Home Equity Line of Credit at BB & T in XXXX Ky. On XXXX XXXX of 2014 an Assistant Loan Officer at BB & T signed my name along with her own to a Line of Credit Advance and in turn deposited {$2000.00} into her personal checking account. On XXXX XXXX, 2014, the same individual signed my name along with her own to a Line of Credit Advance and transferred {$3000.00} to her personal credit card account. I filed a report with the XXXX Police and the XXXX County Attorney. I also filed a complaint with the Ky Attorney General 's office. I spoke with local officials with BB & T who stated I would need to get an attorney. I recently spoke with the VP of BB & T 's Complaint Department that is supposed to be investigating the theft and getting back in touch with me. The last conversation was 2 weeks ago without any contact since.
05/09/2016 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • NC
  • 28303
Web
I am a costomer of BB & T and have been for XXXX years.I own a home and auto and owe nobody anything except a hospitol bill.For the last decade i have been helping my mom and dad with their health problems.I put in for a loan at BB & T for amount of XXXX.They turned me down saying i didn`t have enough credit.Given their logic nobody comming out of high school or collage will ever be able to do banking with them.When i ask for an address for the board members to send them a letter complaining about this, they keep stonewalling me and will not let me complain directly.It seems that they are trying to hide incompadance from upper management.The paperwork i recieved from my loan applacation is very sloppy.Next i will contact the XXXX on banking.If BB & T doesn`t wish to take care of taxpayers then taxpayers need not loan money to this type of a bank.
04/05/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • GA
  • 30092
Web
Me and my husband opened an auto loan with Regional Acceptance Corporation XX/XX/XXXX and purchased a XXXX Pontiac Solstice for {$12000.00} at XXXX a month. We have previously paid a few payments late but have been catching up everything here in the last few months. We noticed that our balance has changed but {$1000.00} dollars and our payoff is more than what we purchase the car for. I have asked someone from Regional to call me and give me a break down of our payments and how it affects the interest and principal but no one has contacted me yet. We have paid almost {$10000.00} towards this vehicle and it should be about paid off but instead our balance has n't moved yet. We desperately need some assistance on how to file a complaint because I believe we will never get this car paid off as long as we are will this auto company. Please help us!!!
11/05/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • NJ
  • 08901
Web
On XX/XX/2019 I was at a work meeting with my Administrator and CFO of our company. A call came through my Administrator 's personal line from Regional Acceptance Corp ( Loan company ) regarding payment due on my vehicle. i am currently behind 1 month, which is being paid on XX/XX/2019. The representative told my Administrator that this was a " personal '' call. Embarrassed, I had to take the call in front of my Administrator and CFO regarding this " personal '' issue. The embarrassment of having my personal issues reported to my employer is not the way to do you business. Now, they will continue to contact my Administrator. I had to hear my Administrator speak to my about receiving " personal '' phone calls at work, with regards to my personal matters. I have requested to have that number removed from my file. The young lady I spoke to is XXXX.
11/07/2015 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • SC
  • 29621
Web
Someone opened up a XXXX and XXXX account using my bank account. I was not aware of this. When I started my bank account I specified that I did n't want overdraft! I said if I do not have the money then do not pay it and do not charge me a fee. I was told OK. Anyways someone used my bank account on a XXXX and XXXX account I did n't know about. XXXX charged my account XXXX for {$1.00}. I was then charged a overdraft fee twice from the bank. Because of this THEN I found out about it and try and talk to BB & T and I kept getting the run around! Then they tell me there is nothing they can do and they closed my account AND charged me {$30.00} for THEM closing it and now sending me threating letters say I owe {$110.00} or they will send my account I to XXXX so no one else will give me a bank account. I really feel frustrated and bullied here by them!
12/17/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • AL
  • 35242
Web
Among other poor business practices, I was lied to by XXXX XXXX, a BB & T mortgage lender at my bank. She told me to sell a vehicle to get the debt out of my name and then she could give me a 3.75 or better rate on a refi mortgage. I told her I could have my son purchase the vehicle to get it out of my name but it would cost me a lot of money to do so. She promised me that if I sold it she could complete the mortgage. After I sold my vehicle to get it out of f my name she said she could not give me the mortgage after all. Additionally, I told Ms XXXX that time was of the essence when I contacted her about my mortgage refinancing needs. She assured me it would not take long. Over three months later with little communication from her ; and asking me to get a vehicle out of my name. ( I had to initiate all calls, texts etc. ) I was turned down.
10/20/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • VA
  • 23456
Web
I had a car loan through Regional Acceptance that I paid the last and final payment on XXXX/XXXX/16 of XXXX. I spoke to the company on XXXX/XXXX/16 to confirm m my new address so that the title could be sent and was told by the rep that it was sent out on XXXX/XXXX/16. On XXXX/XXXX/16 Regional processed a debit of XXXX on my checking account without my knowledge or authorization. I would not h have made a payment after I had paid a final payment previously. This company y did this once before earlier this year and I had to block any checks from them on my account. I am concerned that they held my personal debit card informat on file from a previous transaction, this is dishonest, unethical and a violation to the Fair debt collection practice act. Please hold them accountable and keep them from doing this again in the future to other consumers.
04/09/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • OK
  • 73013
Web
I took a loan out with regional acceptance Corp with a XXXX XXXX in XXXX XXXX, My payments were XXXX a month. I have been paying XXXX a month for over 4 yrs and my loan is still over XXXX. The money that I paid over the yrs have went to interest only. I was told I should be caught up on the loan but the company said I was a month beyond when I was paying every month .. The customer service is Rude and harassing.. They repo my car on XX/XX/XXXX with all my personal belongings and tag. I was not notified as to were I could pick up my personal stuff and tag. I do n't know where my stuff is. They are supposed to notify you and give you a option to pay .etc ... I lost over XXXX for a car only worth XXXX and they still wanted XXXX more. Can someone please help me? This is a scam and a rip off company. How many more people have they gotten like that
09/13/2019 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other service problem
  • PA
  • 18914
Web Servicemember
This involves a request to transfer an ira cd from BB & T bank to XXXX XXXX. On XX/XX/19 I opened an ira account with XXXX and 2 days later mailed them a transfer request form. They then faxed the completed form to BB & T on XX/XX/19 who then faxed it to their ira dept.XX/XX/19. On XX/XX/XXXX I phoned the XXXX Pa. branch of BB & T who stated the the form was faxed to their ira dept. on XX/XX/XXXX. I later phoned the XXXX Pa. branch of BB & T and was informed it takes 10 days for the transfer. Today [ XX/XX/XXXX ] the cd has not yet been transfered. It is a sizeable amount of money [ over 100k ] and it appears that BB & T is deliberately stalling the transaction in order to use the money for their own benefit and profit from not paying interest from the mature date of XX/XX/XXXX. I would like this matter to be settled as quickly as possible.
06/27/2017 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • NC
  • 28226
Web
HI MY NAME XXXX XXXX XXXX XXXX IM BANKING WITH BB & T BANK FOR OVER 2 YRS I DEPOSIT CHECK TO MY ACCOUNT MY EMPLOYER CHECK I DEPOSIT THIS CHECK TO MY ACCOUNT REGULAR BASES NEVER RETURNED ACCIDENT HAPPENED ON XX/XX/XXXX WHEN I DEPOSIT CHECK EVENING THE NEXT DAY THEY PUT HOLD ON THE CHECK UNTILXX/XX/XXXX I WENT TO THE BANK ASK FOR HELP TO RELEASE THE FUND THE BANKER ANSWER WAS YOU HAVE TO HAVE SIMILAR AMOUNT OF THE MONEY SHE SAID SORRY WE CANT HELP YOU AND ON THE XX/XX/XXXXTHE FUND WAS NOT AVAILABLE I CONTACT THE BANK AGAIN THEY SAID NOTHING WAS PROCESSED FRIDAY AGAIN SORRY WE CANT HELP YOU AND TODAY XX/XX/XXXX THE BANK CHARGE ME WITH XXXX DOLLAR OVERDRAFT FEE CONTACT THE BANK ASKING WHY YOU CHARGING ME OVERDRAFT FEE THE ANSWER IS YOU FUND WAS NOT AVAILABLE ON THEXX/XX/XXXXI 'M SEEKING JUSTICE FROM YOU TO HELP TO GET MY {$72.00} FROM BB & T
09/08/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with rewards from credit card
  • WV
  • 261XX
Web
On XX/XX/XXXX I logged into my BB & T XXXX rewards account to find that I had received a {$100.00} account credit. I was curious why I received this credit so I contacted customer support who instructed me that I had indeed been granted a {$100.00} reward credit and that I would be receiving a letter soon explaining the situation. About a week later I received the letter stating I had received the credit as part of a " quality audit. '' I then redeemed the reward credit and had the money applied to my account. On XX/XX/XXXX nearly a month after receiving the credit it was recended. I then contacted BB & T support to see what was going on. I was instructed that it was a mistake affecting hundreds of customers and it would take several months to resolve. My reward account now sits in the negative and it is unclear when it will be resolved.
08/03/2018 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Cashing a check
  • KY
  • 427XX
Web Servicemember
I went to BB & T Bank on XX/XX/2018 to cash a check payable from a BB & T business customer checking account. The manager said they didn't have enough cash to cover the check amount and offered a small partial payment of cash and a cashier 's check for the remaining balance which was the majority of the amount of the check. The manager did not offer to aquire the cash needed to pay the check from BB & T. The manager did not offer to set up an appointment for me to receive payment for the check. I was also offered the option to open an account at BB & T but I was informed I would be charged {$50.00} if I withdrew the funds and closed the account within 90 days. I have a check on a BB & T account in good standing and yet BB & T did not offer to aquire the funds to pay it. I have a piece of paper with numbers on it and BB & T has my money.
11/26/2017 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • PA
  • 179XX
Web Older American, Servicemember
a six year old check ( XX/XX/XXXX ), was deposited in a XXXX XXXX XXXX in Florida, XX/XX/XXXX and taken out of our BB & T bank, XXXX, Pa. without our authorization. We have a Fraud case NO. XXXX with BB & T. We have tried to find out what is happening ( as we froze this checking Acct. ) and have no answers from anyone. XXXX XXXX from BB & T ( XXXX, pa ). is handling our Case. XXXX. We were in this XXXX XXXX office XX/XX/XXXX and could n't see her. She called us the next day saying she was going on vacation and XXXX would find something out and call us this past week To this day no response. A relative in Florida lost this check and we feel we voided it as it was XXXX XXXX XXXX in XX/XX/XXXX, and replaced the check. We are long time customers at the XXXX, Pa. Bank. We appreciate whatever you could to help us. Thank You XXXX XXXX XXXX
07/05/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • FL
  • 32839
Web
I had a tragedy in XXXX XXXX, XXXX when I loss my son in a accident. I could not work and had to file for bankruptcy which was discharged XXXX/XXXX/XXXX. I 'm in the process of purchasing a home after I was able to get my credit up again. I 've called BB @ T several times have spoken to several different people. Today I called and spoke with XXXX XXXX who stated that they had submitted to HUD 78 months ago to close the loan. When I call HUD they have no record of this at all. But yet on last Friday I was told by BB @ T that the loan was closed. I hated doing a bankruptcy and even after that I had at least XXXX short sales which BB @ T would never approve ... im just trying to get my life back purchase my home and do the right thing. All I need is verification that the loan is closed with BB @ T and HUD. XXXXXXXXXXXX XXXX XXXX XXXX
04/27/2016 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • NY
  • 11731
Web Older American
Someone paid for their Regional Acceptance Telpayment bill ( autofinance ) by making a fraudulent authorized withdrawal from my checking account at New York Community Bank. This was done on XXXX XXXX, 2015 in the amount of {$330.00}. There were other payments paid the same way by a different person for XXXX bills. The bank could only reimburse me for the past two months. I contacted the Fraud Department at XXXX and succeeded in being reimbursed for the past year only, of the 15 months of fraud. I tried to call the Fraud Dept. at Regional Acceptance Telpayment ( phone - XXXX ) and was told I could not talk to them because I do n't have an account with Regional. They said I have to go through my bank. My bank said they only have a name and no other information. They can not help me. I want to be reimbursed by Regional for {$330.00}.
06/17/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • GA
  • 312XX
Web
Regional Acceptance Corporation in XXXX Ga is the worst I do not want to include my name because they may continue to harass me. But that Supervisor XXXX XXXX is horrible she does not know how to talk to customers and I hate that I asked for a supervisor. She is nasty, rude, and very unprofessional and I do not know who hired her she is nasty. I have spoken to her maybe twice at the end of the month and she told me one time that well maybe you ca n't afford the vehicle and it 's an affordability issue. Life happens and things happen and I know that I took out this loan but for her to talk over me while I was trying to explain what was going on and she just cut me off so disrespectful. I told the young lady that I was talking to not to transfer me to her, but she insisted. They can just come get the car if she has to be that rude.
10/14/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • TX
  • 776XX
Web
I financed a XXXX XXXX thru regional acceptance in XXXX XXXX I put {$4500.00} and have paid my notes on time every month except the lst 2 because I am trying to get out of this contract and with someone else. I owe more now than I financed. I got 2 deferrments because my mom had an XXXX and I took off work to care for her until she passed away and they charged me almost as much as the note to defer it, not to my knowledge. I have tried to refinance it or trade it in but I owe {$10000.00} more than it is worth and the other companies den me because regional acceptance says I have poor payment history which is not true. I have been trying to rebuild my credit with this loan, but my debt ratio is going up even though I am paying the note. I have chevked into a couple of class action lawsuits against this company but I am at a loss.
02/26/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • OH
  • 439XX
Web
We purchased a XXXX XXXX XXXX inXX/XX/XXXX. The loan was purchased by XXXX XXXX inXX/XX/XXXX. Account number XXXX. The balance at that time was XXXX ( see attached payment history ). The current balance is XXXX. The payments are just under XXXX per month, that would be XXXX payments through XX/XX/XXXX. We have had XXXX skipped payments which leaves a total of XXXX payments of XXXX a total of XXXX paid. I understand fees and interest but to have paid XXXX on a loan with the beginning balance of XXXX and the balance has only dropped XXXX is unbelievable. Due to these facts we are voluntarily surrendering the vehicle. We will never be able to pay it off at this rate. I don't want to be responsible for the balance of the loan after XXXX sales the it. What legal action can I take. Is there a class action suit I can take part in.
02/24/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • FL
  • 33409
Web
On XX/XX/2018 my husband and I went to our local BB & T branch to make a withdrawal. We told the teller we want {$200.00}. She gives me one cashier 's check to sign and she gives us our {$200.00} and a receipt that is not printed on but has the teller 's hand written receipt for our balance. When the mobile website was restored after the outage they had on Thursday, I saw we were charged two times for {$200.00}. This is not the first time this bank has made an error like this this is the third time. When I make a mistake they charge me ridiculous fees that devastate my family but when they make a mistake they suffer no consequences. I tried calling customer service but after 50 minutes on hold I hung up. I do not have time for that. BB & T needs to refund my account immediately. I did not authorize two withdraws for {$200.00}.
07/30/2017 Yes
  • Checking or savings account
  • Savings account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • PA
  • 182XX
Web
I rarely go online into my childrens accts. I happen to go in to see how much was in my sons savings acct because his CD is up for renewal and I usually transfer a certain amount over into it. I have done this since 1997 when the acct was opened. When he turned XXXX the bank said he youth acct would be converted into a student account so he would not get hit with any fees. I said great. There are numerous banks who offer this but I have always been with this bank so I would leave it there. ( BBT just bought out the bank I had forever ) So it is a BBT acct now. So I just go in and I see {$5.00} take out monthly. THey have taken out over {$100.00} in monthly fees. This is a student account that is suppose to have no fees. This is unacceptable and scrupulous business practice. Stealing money from children. They should be ashamed!
08/01/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • GA
  • 30349
Web
I'm a business owner. I deposited a check of {$75000.00} some time in XX/XX/2019, in my Business Checking Account at the BB & T, XXXX, Georgia branch. I made a withdrawal of {$30000.00}. Later on, when I went there for another withdrawal, I found out that both my account and debit card were blocked for no reason I aware of. I have been requesting for that money for four [ 4 ] months now. Still I cant get access to my account. When I go to any branch, they refer me to the fraud department and when I contact the fraud department, they too ask me to go to the any branch, and that the fraud department does not have any problem with my account. I did this for more than six times and still my account is active but no way to get money out of it. Please, I need your assistance as this matter has created a big problem in business.
02/24/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • FL
  • XXXXX
Web
XX/XX/XXXX disaster ... Deposit not avail. Systems physically not available and once again BBT dropping the ball! I've filed a previous complaint and BBT had the nerve to give me an unfavorable review.. Lol! Really so I guess my concerns was petty until today when BBT entire system crashed and the XXXX and XXXX gave BBT the negative business in regarda to fees, deposit processing, and the attitude of branch staff at various locations.. The same concerns I voiced. I understand stuff happens yet as a consumer BBT has a bunch of unbalanced terms and conditions that only favor corporate profits.. Now you ask your members to be patient.. I scoff at that when my balance XXXX make XXXX deposit and BBT return fee me XXXX on a XXXX transaction.. Balance been XXXX since XX/XX/XXXX add XXXX equal XXXX all day long.. I want my XXXX back.
05/16/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • MD
  • 20740
Web
This is regarding an auto loan I have with Regional Acceptance Corporation -- They have been ripping me off big time. I got the load in XXXX of 2012 for {$23000.00} ; I have been paying {$550.00} a month for three and a half years ( I do admit missing a few month 's payments - about XXXX in 3+ years ) and they claim I still owe {$21000.00}. What interest rate have they been charging? They do not abide by what is stated on the first page of the contract under the " Federal TRUTH in Lending Disclosure '' ; instead they have converted the contract from a SIMPLE interest transaction to a COMPOUND interest transaction -- there can be no sound legal basis for them to do so. The way they apply the payments I make is not clearly stated in the contract -- why are they allowed to do this to their customers? This is robery/stealing!!!
04/08/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • KY
  • XXXXX
Web
I incurred over XXXX in FRAUD on my account which BB & T never once told me as it was happening. They tried repeatedly to tell me it was my fault that someone was buying XXXX cards and other fraudulent activities. Until I got the right person after months of phone calls to their XXXX #. They did not inform me as it happened daily and let the account go into a {$3000.00} overdraft and still did NOT inform me. I am a XXXX mom of XXXX teenage kids. I had to fight to prove it was fraud. After months of struggling financially due to their data breach and own negligence, they now tell me I'm responsible for the massive overdraft due to their mishandling of my account allowing over XXXX dollars to disappear out of my account over a period of 5 weeks. I am on medication and barely able to function with the stress they caused me
04/19/2018 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • MD
  • 21202
Web
BBT Personal Acct # XXXX for XXXX XXXX XXXX. SSN:XXXX My account was charged off by BBT Recovery Charge off Dept.I called in I asked them whether or not I could take care of my checking account negative balance.They told me that I had til XXXX to pay it off.Which was a lie.They charged the account off about 3-5 days later.I could have gone in paid off the account and my account would be still open and available to me.They have reported me to XXXX.Which is a Fair debt practices reporting Act violation.I would like to be removed asap from XXXX XXXX.I am requesting and encouraging a full investigation by BBT and CFPB.This is a serious matter.Thank you much in advance.I really appreciate it. Please reference notes from the charge off/collection/recovery dept.It will tell everything that happen.When I talked to this dept.
08/24/2018 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Problem with the payoff process at the end of the loan
  • LA
  • 713XX
Web
I financed a brand new XXXX through XXXX XXXX. I paid my loan off in full and then called the finance company for a title. When I called the company, a representative said they did not have the title because XXXX XXXX did not send one to company. I asked why didn't they contact me about that issue long before I paid the loan off. The representative said it was not XXXX 's problem and that I needed to call the dealer that I bought the car from ( XXXX XXXX of XXXX, LA ). I paid title fees that was calculated into my final price and paid all of the money to XXXX. I need a title to this XXXX and I have been getting the " run around '' for over a year. Between calling XXXX before they went completely out of business, to calling the DMV, XXXX, Louisiana commission and now this website. I just need my title that I paid for.
06/09/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • PA
  • 17603
Web
I traded in a vehicle on XXXX XXXX ( XXXX XXXX ) and bought a new car.! week later a collection agency calls me at work and was rude at best wondering why I have not made my payment on the XXXX. I explained to him that the vehicle was traded in and to who. It is a very reputable dealership. He said OK. Today he calls my wife and starts giving her a hard time and making idle threats about posting to my credit report and legal action which I think they already did because my score dropped XXXX points today after being told it was traded in and to whom. So I contacted the dealer and they are going to give me documentation that the XXXX has already been paid off by them. So it appears it is their own documentation that is not in order and now they have hurt my credit score and have phone ethics that are not very good.
11/10/2015 Yes
  • Bank account or service
  • Checking account
  • Using a debit or ATM card
  • AL
  • 350XX
Web
My bank is refusing to refund the transactions listed below. These are fraud! They were not authorized by me and no point. When these transactions came to my account my bank even put a block on my card and called me about them. I told them I did not do no such transaction. I was then told my card would be canceled and I would need to dispute these transactions as fraud once the hit my account. I did just what I was told and now my bank is telling me that they are not fraud. How can that be? I have never had any dealings with this company nor have I ever received any products from this company. XXXX XXXX XXXX XXXX NY XXXX BB & T XXXX PURCHASE $ XXXX XXXX XXXX XXXX NY XXXX BB & T XXXX XXXX PURCHASE $ XXXX XXXX XXXX XXXX NY XXXX BB & T XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX BB & T XXXX XXXX PURCHASE {$4.00}
12/19/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • KY
  • 410XX
Web Servicemember
I have called BBT 8 times of the past few months. The month they reported I was late is not correct. The account was setup the month prior at the last payment. I knowingly changed it to auto pay as I had XXXX the following up and did not want to worry about missing a payment. I check my credit and they reported it being late. Furthermore they stated the account is reported on the XXXX, the XXXX at XXXX. I checked the account again and they have failed to report the correct balance. This has gone on for several months and I can not express how frustrated I am. I am a XXXX vet with a very tight budget. I had a few heath issue arise and used them to boost my credit. They are trying to hurt my credit! I have plans on purchasing a new house and land the first of the year and now they have hindered my ability to do so.
01/24/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • SC
  • 294XX
Web
My wife and I have had a business line of credit with BBT bank, now XXXX for over 12 years. For the past 13 months we have asked for a paper statement on our accounts to be sent to us so we can track activity, verify balance and make proper payments on time. The bank has not followed through and now has placed a 30 day late on our account. We have tried multiple times through, phone and in person visits to our branch to correct this issue with no avail. In fact the bank seems unwilling to work with us in any fashion. We have to call the bank each month to verify the amount due because the interest rate is variable and the balance also varies on our business needs. This is the reason why we have requested paper statements. In addition, we file these statements in our business records for reporting reason.
09/29/2016 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • VA
  • 229XX
Web Older American
I complained about BB and T putting an unauthorized hard copy on my credit report without my authorization. XXXX is the complaint number. I never received a satisfactory response on this complaint. I asked for the inquiry to be removed from my credit as it caused my credit score to drop by XXXX points. They told me they had the authority to run a credit report on me since there was " signage '' in the bank. I never saw any signs. I have had a checking account with them since 2008 and took a cashiers check to be put into a savings account to be linked to my checking account. I was not applying for credit although they tried to give me overdraft banking and a credit card. I never asked for any of these and refused. They obviously pulled my credit in order to attempt to cross sell me products that I did not want.
11/24/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • WV
  • 250XX
Web Servicemember
we're in the process of listing our home to sell. A realtor noticed that we have a debt on our deed that is about 24k above the amount initially borrowed from BB & T in 2008. Long story short - it shows that the previous loan was never paid off. BB & T ( current mortgage lender ) says that they can't do anything because the records go back longer than 10 years. XXXX can't do anything because we do not know the loan # or have the cancelled check of when the loan was payed off by BB & T in 2008. Both banks keep batting us back and forth. I started to inquire about this in the middle of XX/XX/2008 with BB & T mortgage and still have not received help other than ( we paid the XXXX loan off when you refinanced with us ). XXXX bank has replied that they can not help because the loan was never payed off by BB & T.
09/16/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • TX
  • 78229
Web
XX/XX/XXXX Vehicle was repossessed sale or intent of notification to sell was not issued Loan balance is {$13000.00} Car value at the time of repossession {$12000.00} remaining balance would have left a {$1500.00} balance give or take fees Spoke to the company about my debt around XX/XX/XXXX to arrange a payment schedule on the remaining balance however their 3rd party debt service vendor was not very helpful and tried to say that restrictions set in place by the loan provider does not allow for a low settlement payment the payment offered was {$8000.00} for a settlement to be paid in {$2000.00} a month payments for 3 months this is highly unacceptable and also the refusal to update information on my credit reports if I did start to pay the balance is unacceptable and is a Vicious debt collection practice
10/08/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • MD
  • 207XX
Web
I called the company several times and spoke to several people explaining to them that I had lost my job and I gave him the dates that I would Pay on the loan they refused to talk to me unless I gave them my banking information immediately I explain that I would call back my banking information because I was driving and that they already had it on file. I was transferred to a very belligerent manager who would not work with me and threatened to repossess the car and said let 's see what happens. The vehicle was repossessed to days later and by that time my payment was already set up with them prior to the repossession. The vehicle has been repossessed and auctioned off and it is still reporting monthly and negatively on my credit. They 're extremely unprofessional and without doing is against the law!
02/01/2018 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Closing on a mortgage
  • MD
  • 20817
Web
I took out a HELOC from BB & T Bank on XX/XX/XXXX and was paid off on XX/XX/XXXX. My settlement attorney returned the original recorded Deed of Trust. Maryland Land Record still shows this loan is outstanding. MD Land records office asked me to contact BB & T and get a Certificate of Satisfaction so that their lien can be removed. Went to BB & T Bank 's XXXX XXXX Branch in XXXX, MD twice to obtain a Certificate of Satisfaction, first time they issued a Letter indicating that loan has been paid off. Took it to MD Land Records office, they did not accept it as this was not a Certificate of Satisfation. Went again to the branch, spent over an hour with little success. They failed to give the Certificate of Satisfaction. Need your help in getting appropriate paperwork to file with the State. Thank you.
09/12/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • KS
  • 66044
Web
Sent BB & T a {$9500.00} Principle only payment on XX/XX/18 with a letter saying : " Apply the enclosed {$9500.00} immediately to the principle balance of the loan. DO NOT apply this amount towards interest or regular monthly payments. '' on XX/XX/XXXX18, both the {$9500.00} check along with regular {$940.00} mortgage payment cleared our bank. I get a statement from BB & T dated XX/XX/XXXX18 showing that only {$9000.00} had been applied to principle out of the combined XXXX. Called BB & T. They could not explain why the full {$9500.00} was not applied to principle. They refused to recalculate interest for XXXX even though the loan amount was less for most of the month. BB & T has stolen thousands of dollars by misapplying payments and misinforming me about how to remove PMI over the Couse of the loan.
07/18/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • TX
  • 75061
Web
My vehicle was totaled by my insurance company due to extensive hail damaged. When I contacted my lender, Regional Acceptance Corp, I was told that the GAP policy would cover the remaining balance after my insurance company paid a settlement to the lender. The GAP did not cover the full balance because, as I was told, it did n't compensate for extension processed on the account. I did not receive any disclosures indicating such, and this could 've altered my decision to accept an extension on monthly payments that I fell behind on. Therefore, I 'm requesting that the deficiency balance be waived by the lender, and all negative credit impacts be removed from my credit report to reflect that the loan is paid in full. I feel taken advantage of because of this and the outrageous interest rate given to me.
12/19/2019 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • MD
  • 207XX
Web Servicemember
I applied for a trial loan modification which I was approved for. I was instructed that I would need to make 3 trial payments and the modification would then become permanent. In the paperwork I was sent, the payments must be made in the month they are due or the trial would be terminated. I made the first payment on the XXXX of the first month without issue. I attempted to make the second payment on the XXXX of the second month and was told that the agreement had been terminated on the XXXX. I know for a fact that payments are accepted until the last day however I have been told there is nothing they can do and I will have to reapply for modification and hope my home doesnt go on sale before then. I would like BB & T to honor their word and reinstate my modification so I can resume making payments.
08/29/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • SC
  • 297XX
Web
Purchased a computer from XXXX for XXXX and two other items totaling XXXX on XX/XX/XXXX with a credit card that I manually entered into the system. Noticed when checked bank balance with BB and T that had negative balance I could see that XXXX charged wrong card. Error was noticed two hours after purchase on XX/XX/2019. Contacted XXXX they told me they would correct mistake XX/XX/XXXX not fixed contacted company and bank again XXXX told me they couldnt fix it and to return computer Computer was a gift and said item was not in my possession Filed merchant error with Bank was told it could take 120 days and contacted XXXX and was told too bad its your fault you clicked the wrong button and ended the call. To date nothing is fixed and my bank account has maintained a negative balance since XX/XX/XXXX
02/13/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 75039
Web
On XX/XX/2018 I sent out a dispute to the credit bureaus regarding the inaccurate reporting from this account. This account reports my account currently as Past due, 120+ days late, Charge Off account, update my credit as past late payments from history on days this account was already closed. This is a BIG problem as I filled for Bankruptcy and was discharged in XX/XX/2018. So all negative information that was described and reported recently account my credit report is VERY inaccurate and is a MAJOR violation of my rights. It is now over 60 days in to my dispute and this company fails to conduct proper investigations per FCRA section 609 and 611 that if this was done, the incorrect reporting would be deleted. This account fails to research and delete the inaccurate information from my reports.
01/27/2018 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Can't stop withdrawals from your account
  • TX
  • 75154
Web Servicemember
I have continuously tried to no avail to contact the lenders/payors to have all auto debits stopped but they continue to withdraw from my account. I have accrued over 7 OD Fees. I contacted the bank on the XX/XX/XXXX to let them know what was going on and asked for a new account but they did not do it. Instead I was told to file a fraud claim. They have refunded the claim amount but did not refund the OD Fee as a result of the unauthorized charges. My account was charged a few fees as a result. I have since this time accrued another debit from my account and have had my account assessed for 2 OD FEE ( {$72.00} ) on XX/XX/XXXX. If I had a new account number, I would not have been charged the overdraft fees. I should've had a new account on XX/XX/XXXX after I filed the claim with the Fraud Department
11/12/2018 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Funds not handled or disbursed as instructed
  • VA
  • XXXXX
Web Older American, Servicemember
I have bill service at BBT and month after they pay bills on and earlier than what schedule it be paid resort shortage of funds and a charge for over draft when you call them on it they send a email stating over draft would be refunded un [ less you send a follow up email you don 't get the refund, I requested a list of the over draft charges and proof of the credit to date I have not receive nothing this conduct has caused my gas to be cut of two When I ask the bill wasn't paid to date no reply when they pay early the funds ion my checking is used and when my monthly deposit is made they pay the scheduled billed and never put back the fund they paid out early and misused my funds, they just pay the bills as scheduled from new funds the missed used funds is never refunded nor the over draft charge
08/04/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • NC
  • 28314
Web
I purchased a new car in XX/XX/XXXX, BB & T financed it. The first payment was due XX/XX/XXXX when I received my first statement the balance was {$17000.00} I paid {$340.00}. My payments are XXXX for 72 months. Every month I pay more than the amount I owe. I accidentally made a double payment in XXXX. Since then I have made four payments totaling {$1200.00} which by my calculations my balance should be {$16000.00} but instead BB & T has my balance as {$16000.00}. They are charging interest every month and at the rate, they are going the car will not be paid off in 72 months. also, they will receive more than the contract I signed. MY balance is not reflecting my payments. They are not putting the payments towards my balance but instead are distributing them as if I am paying a mortgage instead.
01/17/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Changes in terms mid-deal or after closing
  • TX
  • 78660
Web
I purchased a vehicle from XXXX XXXX in XXXX, TX on XX/XX/XXXX. On XX/XX/XXXX I had XXXX XXXX XXXX XXXX and was on XXXX XXXX. The bank called to do a welcome call which I barely remember and says that I told them that I had a recent repo, which I didnt. On XX/XX/XXXX about XXXX XXXX I get a call and text from the salesman saying that the bank decided not to do the loan because I said that I had a recent repo. In my mind it was a done deal, contract and everything signed, more than 72 hours and I hadnt heard anything from the bank or the dealership. I was waiting to get the information for my first note. Now I have to return the vehicle to the dealership today the say or they will repo it and Ive done nothing wrong to my knowledge. The name of this bank is XXXX XXXX XXXX. in XXXX XXXX, TX XXXX.
08/21/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • VA
  • 231XX
Web
Someone who did not identify themselves has been sending text messages to several family members and friends using my name and dob stating that they are about to file a lawsuit. When I called the phone number of XXXX he didn't identify where he was from but did start to state my personal information but I would not verify with him anything because he never stated that this is an attempt to collect a debt. He even said he wasn't a collection agency but he was an " officer '' He did state that this was for First Virginia bank and yelled at me telling me that if I was rude to him that he would terminate the offer and sue me. There is no company name. I have never received any correspondence and I refuse to verify anything from someone I don't know or have never heard of due to fraud in the past
02/09/2017 Yes
  • Consumer Loan
  • Pawn loan
  • Applied for loan/did not receive money
  • PA
  • XXXXX
Web
I applied to BB & T Bank for a home Equity Loan, was approved for the loan, closed on this loan on XX/XX/XXXX. I wanted to pay off my existing Home Equity loan with XXXX, and keep all my banking needs at BB & T bank. The Check form BB & T bank has not arrived as of the date XX/XX/XXXX. I have been contacting BB & T bank personnel to ask what they are doing or going to do, to complete the transaction.They have stated that this was a Bank Cashiers check, and they want to wait 90 Days before issuing another check. I am now in arrears with my XXXX Loan, waiting for the payoff amount of {$24000.00} from BB & T bank to arrive.I have already made one payment of {$500.00} to BB & T bank on the new loan, along with all the closing costs of over {$700.00}, but the money has still not arrived at XXXX.
04/15/2015 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • NC
  • 28401
Web
I have a business account with BB & T. There was an unexpected transaction which overdrafted the account. The problem I 'm having, is this has been two weeks ago, and now everyday they are charging me {$100.00} in bogus returned item fees. The fees have now accumulated over {$1000.00}. There have been no debits, only credits, and I still can not keep them from charging additional fees that are overdrafting the account. I get charged overdraft fees even when the account is positive. This practice is unethical, and it 's hurting my business. They have taken an entire weeks worth of revenue, and it 's still going. They refuse to freeze or suspend the account, nor will they allow me to close it. I 'm stuck paying {$100.00} for unexplainable fees. If you see the account, you wo n't believe it.
10/04/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
  • GA
  • 30265
Web Older American
I have a special needs daughter who has a checking account where someone did fraudulent activity on her account writing 3 unauthorized checks totaling XXXX. She gets XXXX dollar check for her XXXX per month. The bank refused to do a refund to her account even though they are federally insured. The reason for denial to the claim was due to failure to safeguard your checks.they told us we need to keep the checks in a safe deposit box. We filed a police report amd they actually have pics of the suspects, but could not find them.teller cashed the checks without properly looking at the check. Definitely not her signature at all. I belive bbt is discriminatory practices against special need people. Pls help get her funds returned to her account. She depends on her little money to help her live
06/26/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • TX
  • 75126
Web
Regional Acceptances is harassing me on my job about my past due loan. My son died in XXXX, I was out of work for several months due to this and the same for his dad and older brother. My older son lost his job, he is working again now. My husband lost his job, working two part time jobs. I just paid 2 payments. I have asked them on multiple occasions to NOT call my work number and they just did today at XXXX on XX/XX/XXXX. At my work # XXXX. XXXX with Regional Acceptance has my cell #, they have my email address and admitted to calling me everyday and emailing me. They also made me agree to allow them to do the automatic calls to my cell #. I am tired of the harrassment, especially at work. They just ignored my prior requests to NOT contact me at work on the job. Thank you, XXXX
03/12/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • GA
  • 30721
Web
I had an account with BB & T which went into overdraft due to a credit card company debiting the account and funds were not there. The end balance resulted went from a $ XXXX over draft fee to a $ XXXX on XX/XX/XXXX from where they charge you {$36.00} every 10 days the account is over drawn. The bank took money from another checking account I had with them without my permission. I requested the account to be closed on XX/XX/XXXX via email and was told it couldn't due to another {$36.00} fee that had been charged and fees continuing to add up the bank didn't close my account and another {$160.00} was taken out of the same main account I have with them. This bank has very unethical banking practices and needs to be stopped. This has cost me well over {$500.00} in total and is ridiculous.
12/11/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • AL
  • 36695
Web Servicemember
Over a year ago I reported to XXXX that a company I had a loan with reported a late payment incorrectly I submitted to both my bank info showing pmt. The loan was pain in full XX/XX/XXXX. Again this month they reported another late pmt XX/XX/XXXX I made 2 pmts that month so far from late. They have wrecked my credit score its dropped over 100 points Ive had credit limits lowered bc of this incident they failed to investigate after I requested by certified mail as well as the company that reported it being wreck less and careless and I want to sue both companies now Sheffield financial and XXXX. They have carelessly changed their minds 4 times over this first it was XXXX then XXXX then XXXX now XXXX again so there is no way at all XXXX investigated anything I sent them certified mail.
04/19/2017 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • VA
  • 246XX
Web
I have been hit with almost {$200.00} in overdraft fees f rom BB & T. I payed s ome bills the day before my direct deposit from my employer was deposited only after checking to see if I had any pending deductions. I had no pending deductions showing on my account so I figured with my direct deposit being deposited in a few hours I 'd be safe but when I checked my account the following morning I had been hit with numerous overdraft fees, I called the bank and they said they do n't post all pending deductions daily so that 's why I was charged and there 's nothing they can do because I had XXXX overdraft in XXXX of 2016 and they only refund XXXX every 24 months.I ca n't afford to pay {$200.00} in overdraft fees when I only make {$300.00} a week, is there anything I can do?
09/10/2019 Yes
  • Checking or savings account
  • CD (Certificate of Deposit)
  • Opening an account
  • Confusing or missing disclosures
  • MD
  • 210XX
Web
On XX/XX/19 I went to the bank ( BB & T ) to open a CD with {$4500.00}, I counted the amount and left it on the desk for the person to take it up to the teller. He took the money up to have it counted. A few minutes later he came back and told me I was short {$780.00}. I took more money to make up the difference. I was so upset that I left the bank. I called the bank back and ask to she the security video and the manager told me the tape had to be review by the security unit and she would get back to me in about a week. She asked me not put put this on social media. I called her back after a week and she said she had not information for me and it could take weeks or months to it to be resolved. She was more worried about the employee then myself, she said his job would be on the line
11/30/2017 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • SC
  • 291XX
Web
On XX/XX/XXXX, I deposited a check via BB & T s mobile banking app. It was set to be released on XX/XX/XXXX. On XX/XX/XXXX, I realized I was hit with 6 overdraft fees. I spoke with someone in my local branch ( XXXX, SC ). I was informed that when I submitted the check, instead of them not making the funds from the check available, the deduct the amount of the check deposited from my available balance. Not only did they deduct that amount, but they sent my account into a negative balance. Meaning any bill payments set to post on that day, received an overdraft fee on XX/XX/XXXX. I had funds in the account to cover any purchase/bill payment prior to depositing my check. Now they will not waive those overdrafts. They also took my entire first check causing me to be late on house bills.
01/04/2017 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • DC
  • 200XX
Web
BB & T failed to alert me that my account was accumulating fees from authorized transactions for more than XXXX week resulting in {$900.00} in overdrafts and other fees. Each dispute I made for these fees was ultimately denied by BB & T and I was left to pay these fees on my own. After a month of being in the negative status, BB & T made an unauthorized transfer of {$900.00} from my savings to my checking account to cover these fees. I set up arrangements to pay off the fees before the stated deadline, however, the bank transferred the money from my savings account without my permission a full XXXX weeks prior. I called in to speak with several representatives and a XXXX, who advised that they were in their right to make this transfer without my permission. This seems very illegal.
02/16/2020 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • VA
  • 238XX
Web Servicemember
I have tried to close my account multiple times since I never had much use for it. I had an overdraft fee once for a third party trying to withdrawal money from my account after I had tried to cancel with them. I was not able to Update the automatic payments therefore caused the first part of the problem. However, the bank refunded the fee after I told them of the problem and I told them my intention was to close the account. Then a month later, I get another overdraft fee for the same problem. I tried going into a branch and no one was able to help me after waiting for over an hour. I called again on XX/XX/XXXX and the wait time was 53 minutes!!! ( Not exaggerating ) I asked for a call back so I didnt have to wait on hold. I never got a call back. Now Im getting collection calls.
07/26/2017 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • MD
  • 20659
Web
I was working with BB & T Mortgage to modify the payment on my home. I am afraid to loose it. They asked me for my income and I sent it to them. On XXXX XXXX, 2017, I was told by their representative that the loan is under review and no other documents were needed. I call on XXXX XXXX, 2017 and now they closed and denied any assistance because my pay stubs do n't have a year to date total. I went over my pay stubs with them and they told me they were received and in fact they do have year to date totals and unfortunately my loan is denied because the single point of contact or case manager did not read my pay stubs properly. They stated they will not open it again and mean while, I am in dire need of assistance and I may loose my house for their negligence in reading pay stubs.
09/09/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • VA
  • 23451
Web
Needed a replacement title for a XXXX Ford Taurus. Did not know had lien from BB & T and paid agreed amount on XXXX/XXXX/XXXX. Was informed 7-10 business days to get title..Went back to BB & t on XX/XX/XXXX and found out out was n't posted until XX/XX/XXXX and would be another 7-10 days. on XX/XX/XXXX inquired again of status an informed title on its way. Went to branch on XX/XX/XXXX and was informed by corporate headquarters it it was just being released today and another 7-10 business day and once whatever that department that is will go to another department and another 7-10 days. Its looking like XX/XX/XXXX now until I receive title and I wonder if that 's true until I go into the branch again. They 'll tell me again XX/XX/XXXX business days. Very frustrating and punishing
08/31/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • SC
  • 291XX
Web
I sent in information for a loan modification. The person who was handling my loan modification left the company. Now my calls are not being returned. My check was returned and my loan is now in default. Also, while I was waiting for an answer to my loan modification, a second signature was requested for the tax form. I have requested a loan modification in the past, ( I cancelled the loan modification because I did n't agree to the terms ) and I did not have to have a XXXX signature. It clearly states on the form that a XXXX signature is not required. I have called the company several times, and they have refused to return my calls. I have no idea why they are refusing to talk to me. I do n't understand it. I ca n't be that bad of a customer. I am not mean or rude to anyone.
05/24/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • MD
  • 21133
Web
I purchased a car almost 6 years ago. I missed a few payments and extended the life of the loan. The car was and still is in very bad shape and properly should n't have been sold or bought. The transmission had to be replaced, the XXXX went up and had to be replaced, the body of the car is rusted and the paint on the hood is fading which appears that it is a different hood from the original car. It looks as if the car was in an accident. So, when I called because I wanted to sell the car - I was told that the car costs more now than when I bought it six years ago. It 's a 2006 Chrysler Town and Country minivan and Regional Acceptance Corporation says I owe over {$20000.00}. Which means I ca n't sell it because no one will touch me to buy another car with a balance like that.
04/29/2017 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • VA
  • 23116
Web
I have a Car loan with BBT and when I opened the loan account, they also automatically opened a checking account. They did not give me an opportunity to not open the checking account. I was told that the checking account was not going to have any fees associated with it. I have paid my loan payments all on time and am close to finishing the loan. They started charging an " Account Maintenance Fee '' in XXXX for {$13.00} every month. I did not authorize the fee nor was there a separate notice informing me of the fee. They snuck a short message into my regular monthly statement that went unnoticed since I get my statement emailed. The message it 's is ambiguous and does n't clearly state why the fees will be charged other than " mortgage qualifier being removed ''.
05/08/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • AL
  • 36067
Web
My bank BBT is hitting me daily with extended over draft fees and charges, the latest was again this morning! I spent 2 hours on the phone with them yesterday trying to resolve the problem and make the charges end, but then was told that they can't help me. I have been making deposit after deposit to try and stop the cycle but they will not let my deposits post until after they have charged me more and more fees, therefore I can't catch up and make the account clear. I am interested in a class action lawsuit against this! I want all of the charges and fees returned to me. I am on XXXX, I cant even purchase my daily medication that I need because of all of this. And I intend for my family to sue them if I do not make it through all of this stress and XXXX it is causing me
06/29/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • TX
  • 751XX
Web
I co-signed on an auto loan for my ex-husband who stopped making his payments and Regional Acceptance placed me as primary on the loan. I have never seen this car nor is it in my possession. I have told them this hundreds of times and given them my ex 's contact information. However, they continue to harass me by calling my job daily and my cell daily. They are bullies and threaten they will take everything from me. They use scare tactics and treat me horribly. I am a single mom with XXXX XXXX daughters of which I do not receive child support or any assistance. I was unfairly made primary on this loan and have tried to be as cooperative as possible to no avail. The interest on this loan is almost 30 % and the balance never goes down, it continues to increase. Please help!
04/02/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • SC
  • 29483
Web
This regard to BB & T bank what bother me is that they hold my refund check from IRS because of get clear on check. Then when date of check told be release the bank then told me that it would release until next day due process system. The check hold for 7days, Another problem is that I have payroll deposit in checking account, because of thier process system my funds are not release to me until same day but XXXX that XXXX. Most bank release funds the same date not special time. I got wait until XXXX that XXXX to start paid my bills and bank will charge me overdraft fee due thier process sysytem. My money not release until XXXX when I got automatic money coming out account. This total a waste and way I feel that BB & T are taking money from me due to thier system process.
02/01/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MD
  • 211XX
Web
On XX/XX/XXXX, I wrote the companies an inquiry dispute letter regarding unauthorized inquiries done in my name on XX/XX/XXXX and XX/XX/XXXX. I do not have an account with these companies. On XX/XX/XXXX, XXXX XXXX XXXX XXXX gave examples of three types of inquiries made on a report ( which is irrelevant and did not prove that I made the inquiry ) and asking if I would like to have my name deleted from their marketing list then to send the request in writing. The letter stated the company was unable to locate an account in their system. The company did not submit proof that I initiated nor authorized an inquiry. On XX/XX/XXXX, XXXX XXXX XXXX also did not submit proof that I initiated nor authorized an inquiry. These inquiries were made without my consent or knowledge.
01/18/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • GA
  • XXXXX
Web
BB & T does not accurately post/report my payments. My mother in law makes a payment at the beginning of the month, I make a second payment to cover the mortgage by the XXXX of the month. BB & T has reported to the credit bureaus that i have been late forXX/XX/XXXXand XX/XX/XXXX -- that is incorrect and has impacted my credit score by a 100 points. I spoke to a representative and was told that because I make 2 payments BBT, BBT software does not record the second payment and my account is put into a late status. I find this disturbing, as I make my payments with in the 30 days, yet, I am being reported as being late. I should not be penalized, because BB & T software does not accurately reflect my second payment. I am meeting my commitment of paying within the 30 days.
10/20/2016 Yes
  • Bank account or service
  • Other bank product/service
  • Problems caused by my funds being low
  • NC
  • 28012
Web
I have a car that is financed with Regional Acceptance. I make a payment online every month, on time through their website. The website requires that I enter my information every month so I have not given them permission to auto-debit or store my information. This morning I checked my account and it has been debited for the full amount of my normal payment which is always more than the required amount. I contacted Regional and was told this was a glitch with their payment processing company and the payment was duplicated in error for numerous customers. I have 3 issues with this explanation ( 1 ) I never gave them permission to store my payment information ( 2 ) What 's to keep this from happening going forward ( 3 ) There is no payment reflecting in my payment history.
09/24/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Shopping for a loan or lease
  • MN
  • 55428
Web
I purchased a car from regional acceptance corporation XX/XX/2014. I started off with XXXX and have paid XXXX on this loan, the payments are XXXX a month. The loan is still at XXXX, it 's crazy. In 31 months I have basically not been reducing my loan amount at all. I have tried to refinance for a lower monthly payment, they will not work with me on this. They have sent me off to other lenders and nobody else will work with me, not even my own bank because the value of the loan and XXXX price of the car is XXXX. I have over XXXX in negative equity. No loan officer, nor car dealer will work with me. I am praying and thank GOD that a door will open. I was gon na make bigger payments to try and pay the car completely off, just not able to make that happen right this minute.
03/07/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • KY
  • 410XX
Web
I was intentionally lied to about payoff amount for my mortgage. I had records from the new bank showing payment. BBT said the check was returned thus making payoff not include a {$910.00} payment. The next day ( 7 days after posted as paid by the bank written from ) they post as received. We switched XXXX-XXXX busn and personal acts away from BBT for this and many more reasons. They are scamming for fees. Now they only refers me to " loan officer '' to try and get my {$910.00} returned. Of course He will not answer my calls. Additionally the limited information I can get printed at my local branch shows my last payment ( payoff ) as {$120000.00} vs the actual check written for {$130000.00} and posted at my new bank XXXX of ky. This bank is the worst at consumer fraud.
07/30/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Shopping for a loan or lease
  • SC
  • 295XX
Web
I did not give permissable authorization for XXXX XXXX XXXX give my credit report information to Regional Acceptance Corporation for a application on a vehicle loan. I have governmental XXXX financingnever signed anything asking the agency for a loan. The corporation solicited expolitation of my identity using A false address. The actions taken by this company was fraudlent and assistant CEO executive XXXX was notified about their hard inquiries about them violating my credit privacy. I hereby warned Priority store manager XXXX that I demanded their office to call all 8 companies that have been CFPB reported to remove their inquiries from my consumer credit reports. No where did I sign application or ask for a single dollar from this affliation and want total immunity.
07/18/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • PA
  • 161XX
Web
On XX/XX/XXXX my mom passed away she had a loan on a used car and there was no insurance to satisfy the loan when she passed away so I the executor of the estate took over the payments since that time I've had 3 different representatives from XXXX XXXX tell me that I can continue making payments with no problem now all the sudden this account specialist,, her name is XXXX told me that they can't do that anymore and I have to return the car because my name is not on the loan I am unable to obtain financing at this time but I continue to make the payments so I do not see the issue of keeping the car because the endpoint here is that XXXX XXXX just wants their money they don't care about the car they just want the money. Is my only vehicle my only Avenue to work and back
03/10/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • NC
  • 278XX
Web
I was given a fake check which I didnt know was fake when it was submitted to me I deposited it into my account I was told to send money to another state which at the time was one of those forgein scams my account then went into the negatives and I was forced to try to get my money back on my own. I originally answered an ad for a XXXX XXXX on XXXX and was targeted by a scammer and now Im out of XXXX. The fake check I was submitted was for XXXX which bounced my account when I sent XXXX dollars to Texas I contacted my bank for assistance on getting my money and they wont help me the cops wont file a report and Im out of money bills to pay and I work hard for my money I dont appreciate it being stolen Ill know better next time please assist me in getting my money back.
06/10/2016 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • GA
  • 30024
Web
In XXXX & XXXX of 2016, BB & T Bank was running a promotion to open a checking account and get {$150.00} bonus. Additional requirements were : establish a direct deposit of {$500.00} per cycle & make 3 bill payments. I followed these requirements. 5 months later and still no sign of bonus. Phone call to customer service ( XXXX ) ended up with them advising me to talk to my local banker as it was a " regional promotion ''. Talking to local banker stalled since the banker had to the same toll-free number and they told her that the account was opened with no promo code ( back in XXXX I clicked on " Open Account '' button. There was no field to enter any promo code ). My impression is that the bank is avoiding following their own promotions in order to not pay the bonus.
01/04/2017 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Seized/Attempted to seize property
  • GA
  • 300XX
Web Servicemember
My business failed and my partnership dissolved. BB & T, after being notified that I am looking into bankruptcy options and am working on all my debt starting withdrawing money out of my personal account for the business credit card. They did this until I was over drawn and left with nothing. After complaining they stopped but now are steadily calling and harassing me and I am in fear of them draining my account again leaving me with nothing and no ability to pay any bills. I am committed to doing the right thing but I think it is an atrocity that they can take money directly out of your personal account for a business debt without notice and then allow your account to be in default to other creditors and then charge your account fees on top of that. It 's insanity.
07/23/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 758XX
Web
XXXX continues to list a derogatory report on a vehicle that was sold in XX/XX/2016 and has not been my responsibility for three years. I have addressed the issue with the company that performed the predatory loan `` Regional Acceptance Corporation '' and am considering joining one of several class action suits against this company. The XXXX that they claim that I owe is fraudulent and I want XXXX to delete this account from my record. To date ; I have lost Five Job offers due to this and will sue in Small Claims if I can not afford to do anything else with it. In my last dispute, I included the proof that I have no responsibility for this vehicle which has been sold four additional times after I sold it as per the department of Motor Vehicles, to no avail.
01/20/2016 Yes
  • Bank account or service
  • Checking account
  • Using a debit or ATM card
  • NC
  • 28086
Web
My current bank BB and T. Is changing the order of processing transactions and automatically applying overdraft fees to accounts for pending purchases and not processed ones and will not refund the fees if the pending purchases do not go through or are cancelled. They have also placed holds on cash deposits that I have made through the atm without an envelope, and which should have posted directly to the account. I paid a bill at the bank with a check on XX/XX/XXXX and had over {$1000.00} in my account and was still given a fee for the check because a purchase was made with debit card the next day after business hours that they took out first and not the processed check. I do not like how they are reordering transactions for so that they are able to assess fees.
10/28/2015 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • NC
  • 28104
Web
I have never opted in to any fee agreement with my bank, Branch Bank & trust. I have opted out of their fee agreement on several occasions, most recently the XXXX of XXXX. The previous times with their customer service dept. over the phone and fees were refunded. They have again illegally charged my personal account {$72.00} in overdraft fees and have refused any refund. These fees are illegal according to the Overdraft Protection Law. This is not first time this has happened. I contacted BBT and they said I was opted in, how convenient for them. I have never nor would I ever opt into a fee agreement. I believe it is BBT that has changed my opt out to suit their needs. My goal is to recover my lost fees and you to investigate BBT for illegal practices. Thank you
11/04/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MD
  • 20772
Web Servicemember
I just received an alert showing a hard inquiry from XXXX XXXX XXXX XXXX XXXX that I do not recognize or have authorise. Please correct. Creditor Name : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX Under the Fair Credit Reporting Act, your action constitutes a violation on my rights, which is illegal and causing severe damage to my credit rating. Failure to positively verify these accounts will eventually hurt my ability to obtain credit as such I am now formally asking that inquiry be removed immediately. Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
09/02/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • IN
  • 46143
Web Servicemember
XXXX is suppose to resolve a dispute in 30 days. They have abused this and still have it pending after 4 months and it does not seem like they are following the Fair Credit Credit Reporting Act rules, FTC and CFPB violations. More than four months ago, I asked XXXX to hear my dispute with BB & T Bank regarding a " charge off '' that was paid before the alleged charge off took place. Initially XXXX advised me they needed another 30 days. I have heard nothing in over two months. This has embarrassed me and my wife ( whose credit rating is perfect and she is a co-borrower on the disputed issue ). This delay affected my ability to get a timely XXXX refinance on my home. Please discipline XXXX and require them to come into compliance with FTC and CFPB rules.
07/06/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • FL
  • 336XX
Web
I paid a fee to secure a locked rate on my mortgage interest rate at 3.625 % I was given a 3.75 % rate at closing and a year and a half later I was given a " remediation '' check in the amount of {$2100.00} dollars for the rate lock I paid for that never occurred. This is a very deceptive practice. Classic Bait and Switch. When I brought it to the attention of my Loan Officer XXXX XXXX at closing. She acted as though the conversation and transaction never happened. Since a " remediation : check was dispersed to me, it solidifies my contract issue. This is a clear breach of contract, and Bad faith business transaction. I have no one in my corner and am at the mercy of whatever my mortgage company says happened. Even though I know they are not being truthful.
05/28/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • FL
  • 33056
Web
My Debit Cards was Stolen and Numerous Fraudulently activities Took Place in my Account. My Funds were Stolen. I Made a Police Report and the Person While has my Information is On XXXX ( Social Media ) Showing Off my Information and the Information Of Others. All of this was sent the bank and theyre denying my claim saying that I had to Enjoy some of those benefits because the individuals who scammed me called from my number as they made certain request. Ive had my account since 2011 and Have never this type of issue. Not only is BB & T refusing to give me my {$2400.00} + but theyre claiming that I took {$9900.00} from them. It appears that theyre refusing to properly investigate and simply want to punish the victim despite what Ive already experience.
08/03/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • VA
  • 245XX
Web
I've been charged overdraft fees on XX/XX/XXXX, XX/XX/XXXX, and yesterday on XX/XX/XXXX.These were {$36.00} each totalling {$100.00}. I have repeatedly tried to pursue a refund but they state they only allow one refund every two years. I haven't been given any notification for fees until the next day, so I am unable to put money in. This handling of my money is very heinous and dishonest. All I am trying to do is get my money back to that was wrongfully taken. I haven't been able to get anywhere with BB & t, even emailing the CEO. I am seeking a just solution and just want my money back. I have been a BB & T customer for a long time but your history or experience with the company doesn't matter, only whether or not they've given you a refund in 24 months.
02/27/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • FL
  • XXXXX
Web
BBT securities exchange [ bank ] has admitted to paying a XXXX balance? can they show me with clarity how this was done? did they get paid first by beareu of fiscal services US treasury? or did they discharge it to my social security TRUST ESTATE ACCOUNT of which they are acting as custodial trustees behind my back, well at least we know now there are 2 ledgers they are keeping and full disclosure was not given to me because thier ledger is a secret, well i know all about the fraud and trix, theres no original instrument of indebtedness because they sold it, and after 90 days all negative balances are paid by insurance, they never tell you that, BECAUSE THE BANXTSERS ARE ALL XXXX XXXX LIAR THIEF CRIMINAL MISCREANTS, THEY STEAL FROM EVERYBODY ALL THE TIME
02/01/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • VA
  • 22980
Web Servicemember
I used BB & Ts online bill pay to pay my mortgage and was told after the fact that they would send a paper check. In a nutshell my mortgage company said they never received the check and I had to make my payment online directly with them but was advised to put a stop payment on the check first. I called my bank and asked the bank manager to put a stop payment on it and was informed I had to pay the {$30.00} stop payment fee. Since this was not my fault I feel I should not have to pay it. I will enclose a copy of my online transaction proving I attempted to make the payment on theXX/XX/XXXX. Since the bank issued the check they should have to waive the {$30.00} stop payment fee since I wasn't the one to lose the check - either they did or XXXX XXXX did.
12/21/2016 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • FL
  • 33015
Web
BB & T has illegally charged my account ( XXXX ) {$210.00} over a period of five ( 5 ) months. As you will see in the attached supporting documents the charges are listed as Misceallanous Debit inwhich I had these accounts for 12 months and I without being notified I noticed these charges from {$9.00} to {$12.00} in XXXX of 2016 I contacted the bank customer services who informed me that they could not do anything but credit me {$35.00} that I 'd have to speak with someone at the branch I opened the account at. In fact I did and waited almost 2 months for a branch manager to phone me back and as of today not one has contacted me. I spoke back to customer service today again who said only that branch could help me. So as you see my last result was here
06/17/2016 Yes
  • Mortgage
  • VA mortgage
  • Loan modification,collection,foreclosure
  • MD
  • 21244
Web
Wrongful Foreclosure, Unlawful Detainer and not including all documents in a Qualified Written Report request. So I could ascertain any and all issues. The attachments are everything I received in my QWR packet which I requested on XXXX XXXX XXXX. The report was run on XXXX XXXX and the DEED of TRUST was not signed over until XXXX XXXX XXXX on XX/XX/XXXX Also Banking Branch and Trust Co. did not have the Assignment of Deed of Trust until XXXX XXXX XXXX after the foreclosure process had been started. That is just a few issues I found once everything was done. There was nothing in the QWR about my REFI i did in XX/XX/XXXX but according to Banking Branch and Trust they already owned the debt. That is not everything but that is just some of the main points.
02/04/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • PA
  • 180XX
Web
On XX/XX/19 I requested a {$100.00} transfer to a non-BB & T account using XXXX. My payment did not go to the intended recipient when he notified me that he did not receive my funds. I contacted the bank on XX/XX/19 to notify them that the account number was incorrectly entered. The bank indicated that the funds probably would not go through if the account number was wrong. I opened a claim and was notified on Tuesday that there was nothing they could do since the account number was incorrectly entered. The bank told me that I would have to file a police report. I feel that the bank should be held liable for the money that I am out since someone else received the funds. Please advise if there is anything else you can do to contact BB & T. Thank you,
11/12/2018 Yes
  • Money transfer, virtual currency, or money service
  • Traveler's check or cashier's check
  • Fraud or scam
  • NC
  • 28054
Web
I was refunded XXXX XXXX dollars from security deposit from an apartment complex. The check was written off BB & T. I went in there to cash the check and they refused to cash it because I didn't have an account. I wasn't the maker of the check. Instead, I was the payee. I'm not sure if I was supposed to have an account with them, since the Apartment Unit name and full address was on there. I ended up having to cash it with my Bank. I am complaining because I have had similar experiences with BB & T. They won't cash any type of check and in this case one with their information pre-printed on there. I'm not even sure if the teller looked the info up to see if the client was in their database. I live in a county where there are at least 3 BB & T banks.
08/19/2015 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • GA
  • 301XX
Web
I had a check deposited into my account in the amount of {$800.00} on XXXX/XXXX/15. On XXXX/XXXX/15 the check was delayed depositing and then they said it had been returned. I have proof that the check written has already cleared the other individuals account. I was also charged an overdraft fee of {$36.00} and returned item fees of {$180.00} all on XXXX/XXXX/15, which is a day after the check was deposited into my account. I contacted BB & T and they said they had only the information that the check was either returned for a various amounts of reasons. I then again explained everything and asked to speak to someone else. This is when the representative told me I would receive a call back in 24-48 hours. I am extremely unhappy and beyond frustrated.
05/01/2018 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Termination fees or other problem when ending the lease early
  • RI
  • 02893
Web
A letter was sent to me explaining my final payment due in XX/XX/XXXX from XXXX XXXX XXXX XXXX. Since then I received two phone calls in the same day XX/XX/XXXX which I could not answer as I was at work. No message was left on my phone for this. On the same day my husband who is not on the lease received a phone call and a message was left with him discussing my personal NPPI as to the detail of they are trying to collect a debt and the dollar amount they are looking to collect. I did not give consent of contacting my husband as he is not on this lease with me. I feel this is a violation of Privacy, FDCPA and this is a deceptive practice. There have been a number of complaints about this on the XXXX XXXX XXXX about this company doing this as well.
04/21/2017 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 752XX
Web
purchased a car from XXXX XXXX , within 72 hrs t he car was taken back twice due to malfunctioning, I told them to keep it and left the keys and stop payment on my down payment ... they are now trying to collect debt stating that the car was n't returned to them or reported to them until the next year ... im been going back and forth with them for quit some time ... I even called them when I left the car in the car lot to let them knw that car was returned due to problems with the car ... I infrm them to go back and look thru their notes from XXXX ... there telling me that since they sold the car in an auction then im responsible for what was left over ... .also both XXXX XXXX and collection agency is trying to collect on this debt
04/04/2017 Yes
  • Bank account or service
  • Savings account
  • Deposits and withdrawals
  • FL
  • 32256
Web
Upon review of my savings account, I do see that the {$190.00} that was found to have been deposited in someone else 's account was correctly deposited into my savings account on XX/XX/2017 as BBT indicated in their response to a recent complaint ; however, they failed to reimburse me for a late fee in the amount of {$9.00} that was assessed on the loan account on XX/XX/2017. I paid that fee from savings on XX/XX/2017 so that additional fees would not be assessed on the loan while BBT researched the missing deposit. That late fee would not have been assessed had the deposit been credited to my account when received in XX/XX/XXXX. I would like BBT to credit my saving account immediately in the amount of {$9.00}, the late fee assessed on my loan.
12/06/2016 Yes
  • Bank account or service
  • Checking account
  • Making/receiving payments, sending money
  • NC
  • 28208
Web
I have a business checking account with Bb & t and I have not been getting my bank statement. And someone wrote a fraudulent check using a starter check without my name or address but it had my account and routing number on the check for {$4.00} and they despoit in a united federal credit union in XX/XX/XXXX. My son has been in and out the hospital and he passed away on XX/XX/XXXX and when I went to pay for his final expense the card declined and I went to bbt and they acknowledged that the check was fraudulent and filed a claim but denied it. I have had this account dunce XX/XX/XXXX and I have never had to a problem. I work hard and have a family and do not have a dime to my name. They did not contact me regarding the check before cashing it.
12/01/2016 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • TX
  • 77079
Web
My checking account with BB & T requires a $ 500 monthly ACH deposit to remain fee free. The required deposit has been made every month before XXXX without issue. However, in XXXX, the fee was charged even though the required deposit was made in accordance with the terms of the account. After numerous communications, BB & T has apparently decided to reinterpret their own terms, without any amendment to such terms or notice to its customers, regarding what type of ACH deposit they will recognize. I have been charged a {$12.00} fee for XXXX, and BB & T refuses to refund it or admit any wrongdoing whatsoever. I will be ending my relationship with BB & T over this issue, however, there must be consequences to BB & T for their fraudulent behavior.
01/26/2017 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • NJ
  • 085XX
Web
A vendor erroneously accessed my bank business account, which caused my account to overdraft. Bank charged me with an initial overdraft fee of {$36.00} and subsequently charged an {$8.00} overdraft fee every day, which continues to this date. Called bank and was advised that once funds were returned they would address issue. Went in person to bank and was told I would still be liable for overdraft fees - How could this be so I did n't cause it to overdraft My XXXX questions are how could I be liable for any over draft fee if someone overdrafts my account, admits they should n't have and rerurns funds that caused the overdraft, and secondly - can a bank charge an overdraft fee EVERY SINGLE DAY your account is overdrawn??? that is preposterous
06/07/2016 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • GA
  • 30213
Web
We deposited {$510.00} ( cash and check ) into a BB & T business checking account on XXXX XXXX, 2016 and have a copy of the receipt showing this - teller, as usual, counted the deposit as it was being made. Several days later, we received an 'account adjustment letter ' noting that the deposit was short by {$20.00} and that the funds had been withdrawn from the account as a result. I have been trying since XXXX XXXX to resolve this, with both the branch and BB & T, with no success. I did learn on XXXX XXXX that while we deposited {$430.00} cash and {$78.00} check, the teller showed it as {$410.00} cash and {$98.00} check - as there were clearly XXXX mistakes made by the teller in her paperwork, we feel it is clear that we are owed {$20.00}
01/04/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • OH
  • 456XX
Web
In XX/XX/XXXX I purchased a XXXX from XX/XX/XXXX. Our credit was pretty bad at the time, and foolishly we signed for a high interest loan on this car. We have paid $ XXXX since the purchase date. Payoff right now is {$20000.00} plus on an {$18000.00} car! Not one dime has went toward the interest. Every cent has been going to the interest. They refuse to let me talk to someone to tell me why, and make excuses for why it is all interest. There is no possible way to get out from under this loan, or even come close to paying it off. We have had probably 20 car loans during the course of mine and spouses lifetime. NEVER have we ever had a loan where the principal continues to grow, no matter if we were late, early or on time! Please help us!
06/06/2019 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • FL
  • 33023
Web
Dear Sir Madam : I'm currently separated from my wife who maliciously destroyed all mail I had been receiving at our home address. During XX/XX/XXXX -XX/XX/XXXX I had 5 accounts and credit cards fraudulently open online at BB & T Bank in my name. I managed to get a police complaint number but no one seem to be able to investigate the person I believe is responsible for the fraudulent activity. The mother of my XXXX children ( other person ) is solely responsible for this activity. She charged XXXX on one account and paid her student loan for XXXX dollars. She also attempted to withdraw XXXX from some other bank she opened online by forging my signature. I have a few statements in my posetion to prove specific dates when fraud occur.
03/14/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • TX
  • 77045
Web Servicemember
I was a victim of hurricane Harvey. I was advised my loan would be deferred for two months. I began to receive deliquent calls. I spoke to a rep that said there was a miscommunication that once I pay the bill it will go they would change my due date to mid month. Which did not happen. I advised I was unable to make the payment. They said they would work with me and every thing will fine. I was told I qualified for an extension. Then I was I told I cant get an extension. I feel this was based off discrimination. Im very upset. I was advised that Hurricane Harvey was last year. I asked for a supervisor she proceeded on the line. I was advised I do not want to be contacted by auto dialer and they continued to call me with the auto dialer.
05/06/2017 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • SC
  • 291XX
Web
On XXXX / XXXX / XXXX ( XXXX ) a bill was charged to my debit card which over drafted my account. It was the only charge that was made that over drafted my account but they still charged me over draft fee 's for every purchase I made for the entire week prior which totaled to well over {$200.00}. Then the next day my paycheck got deposited but I had no money for food or gas to get to work because the bank stole all of my funds and called it 'fees ' so I had to withdraw some money just to get by which of course because of them it over drafted again so they charged me another {$78.00} in fee 's. There is no reason for them to charge me fees for multiple purchases that I had funds for just because I over drafted one s ingle charge.
02/14/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • NC
  • 28146
Web Older American
XXXX 2011, I purchased a vehicle from XXXX, XXXX NC The loan was approx. amount of XXXX the length of the loan was for 72 months. I was approaching my paying off date, so I inquired about other charges to close the loan. They said I owe {$9600.00} to satisfy my loan. The figures do n't agree, and reflect a huge error. apply basic math 72 pymts @ {$520.00} per mo. -- -- -Time range of loan XXXX XXXX to XXXX XXXX now they are saying the payoff amount is {$9600.00} approx. loan approx. {$38000.00} auto approx. {$23000.00}, monthly pymts per mo. {$520.00}. Something is n't right. I 'm paying approx. {$47000.00} for a {$23000.00} vehicle. My bank is providing all transactions since XXXX XXXX to current. I will forward these documents asap
12/31/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 30506
Web Older American
In XX/XX/2017, Hurricane Irma destroyed my home in XXXX GA. It has taken over 2 years to rebuild it. I'm still not done but am close to finishing the rebuild. However BB & T is holding and will not release the rest of the money that the insurance company has already paid out. BB & T told me the bank is holding the final {$25000.00} until the house is " 100 % completed ''. But I can not finish the house until I get that remaining {$25000.00}. I only owe about {$50000.00} on the mortgage and have always paid my mortgage payments on time. When the house is completed, it will be worth around {$300000.00}, so it doesn't make sense for BB & T to not pay me to finish the house. BB & T needs to release MY money so the house can be finished!
02/16/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Problem after you declared or threatened to declare bankruptcy
  • IL
  • 626XX
Web
I reached out to XXXX XXXX XXXX because my auto loan is 4 months behind and I have retained an attorney and am in the process of filing chapter XXXX bankruptcy. I told them I was voluntarily surrendering the vehicle back to the company and they transferred me to the correct department. I verified my identity and gave the representative my attorneys information and answered all questions in regards to the vehicles location and mentioned it is ready for pickup ASAP. Prior to this call I received numerous calls and emails from a XXXX XXXX with their XXXX XXXX XXXX. Now, two weeks after providing information and requesting the voluntary surrender of the vehicle, I have began to receive harassing messages and calls from XXXX XXXX again.
06/29/2017 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • PA
  • 19335
Web
a scam was conducted. international scam IT WAS REPORTED to FTC. BB & t would not refund the scam amount -BB & t refunded overdraft fees as a courtesy however would not consider the remainder of negative account remaining. BB & t left the account in the negative to accumulate " negative balance fees '' per day. BB & t is making monies off of a fraud situation. BB & T SHOULD have refunded the monies as well as the overdraft fees INSTEAD of leaving a negative balance to accumulate " negative balance fees ''. This account contained a small amount and NO OVERDRAFT ACTIONS should have been approved. I am a XXXX of the XXXX XXXX XXXX XXXX XXXXXXXX. This type of money making issue is unacceptable. Please look into this money making issue.
07/27/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • VA
  • 23185
Web Servicemember
Regional Credit Acceptance is the company I financed a vehicle through. I was/ am XXXX XXXX military. The car was wrecked to equal out to a total loss in 2017. The company got paid by my insurance and my GAP. The GAP insurance company paid later than the 90 day mark so Regional Acceptance stated they were going to repossess the car, which was already sent to a junkyard as a total loss throughout XXXX. I have disputed it with the company multiple times. Finally, the middle of last year they sent the co-signer on the loan a letter stating the remaining balance owed was {$75.00}. We sent in a certified check and received a receipt for a XXXX balance due. My credit report still states the vehicle was a repo, and over {$4000.00} owed.
05/21/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • NJ
  • 07652
Web Older American
I financed a car from Regional Acceptance Corp. a few years ago. I fell into a financial bind and could no longer afford the car. They called me XXXX evening and told me they were going to repossess the car. I gave them my permission to take the car. They said that they would sell the car. Well, as it turns out, they did sell the car and now they want {$9000.00}. from me because they did n't get the price they wanted. They 've sent me several letters asking for the money. They even sent a certified letter. The car is not worth that much and I want to be left alone. I refuse to pay for a car I no longer own. They said that they got over {$6000.00}. for the car. Well, take that and be satisfied. I will not give them any more money.
08/09/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TN
  • 37076
Web Servicemember
Noted on a recent copy of my credit report were late payments on an account I have with BB & T Bank dating back to approximately 3 years. Knowing that something wasn't right, I called to request copies of past documents and was told they would be mailed to my home. A week passed and after not receiving anything by mail, I drove to my local BB & T branch. This time I was told documents would be mailed in 7 to 10 business days. Two weeks have passed and no documents. I looked back through my bank statements as far as allowed and Highlighted were my payments were made on time. According to my Credit reports, BB & T last updated this information in XXXX of XXXX, but more late payments are continuing to be reported through XXXX.
05/19/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MD
  • XXXXX
Web Servicemember
I have disputed the information with the company. However, I have not gotten a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Regional Acceptance '' XX/XX/2014 via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
01/16/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 75043
Web
The car was purchased by my son on XX/XX/XXXX from Regional Acceptance company. I was used in the loan for my income for a year. My son was murdered on XX/XX/XXXX in the car. I contacted them to luck the car up after he was murdered and was told that I had to wait until the payment became late to have car picked up by them. I received a letter stating that the car was sold at an auction for a smaller amount. My concern is that I was supposed to only be on the auto loan for a year and they are still reporting this {$11000.00} debt under my name. This is unethical and unjust. I also sent them a copy of my sons death certificate to add to the file. Im not responsible for this debt and these reports are hurting me tremendously.
12/03/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • XXXXX
Web
I dispute this charge because I do not recognize this debt and I do not owe any money to this creditor. I monitor my report monthly and I have become a responsible consumer and this is an unfamiliar debt to me. If it were indeed valid it would have been paid. Moreover, this debt appears to be past the Statute of Limitations. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act.
05/22/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account information incorrect
  • AL
  • 362XX
Web
I HAVE SENT MULTIPLE OF LETTERS ASKING XXXX XXXX FOR VALIDATION OF THIS DEBT THEY SAY I OWE THEM. I WENT TO THE SECRETARY OF STATE WEBSITE AND COMPLETED A UCC INFORMATION REQUEST AND I DO NOT HAVE A LIEN ON MY NAME FROM THIS COMPANY. XXXX XXXX company have been unable to show evidence of the alleged claims. In order for a claim to be valid there must be a contract in place to show there was an offer made, mutual acceptance, terms and conditions, consideration and 2 wet ink signatures signed by both parties. If there was proof of any debt, according to the rules and regulations of the state, there should be a public record on file with the secretary of state. I have attached the validation letters sent to their company.
04/21/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • TX
  • 78240
Web
In XXXX I financed a car from XXXX XXXX XXXX they sold me the car for XXXX with a 19 % interest rate, Unfortunate my car was totaled in XXXX due to Mother Nature, Hail Damage. I had GAP Insurance as well I was paying additional money to Regional Acceptance my insurance company XXXX XXXX paid them XXXX and XXXX took the car as well. I have a debt still of XXXX and I have no car and making payments. I called to request a principle forgiveness I am not able to purchase another car since I have a not with them. I called to see if they could forgive the balance and they said no. They want XXXX after they took my car and they got paid insurance money and they gave me a ridiculous interest rate.
11/27/2017 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Applying for a mortgage or refinancing an existing mortgage
  • PA
  • 190XX
Web Older American
My husband and I are refinancing our existing mortgage with XXXX XXXX XXXX, currently our mortgage is with XXXX XXXX. We also have a home equity line of credit with BB & T bank. We want to maintain our BB & T equity loan. XXXX XXXX has contacted BB & T several times to make arrangements for the change of the new mortgage and has repeatedly been told that they do not have a department to take care of that service. We are senior citizens and my husband has repeatedly called BB & T and been given the names of people to take care of the situation and when XXXX XXXX then contacts that individual they are told that they do n't handle that. At this point in time it has become very stressful because it will delay settlement.
09/07/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • WA
  • 98444
Web Servicemember
I financed a XXXX XXXX the loan was for XXXX for 72 months at XXXX monthly payments. the interest 18 % first payment made XX/XX/XXXX it is now XX/XX/XXXX and we still owe XXXX we have paid XXXX. now per contract the loan is for 72 months the total loan with interest will be XXXX that in it self is crazy but my concern is that we still owe XXXX but if you take the XXXX minus the XXXX we have already paid thats XXXX so whats the extra XXXX from. also the way they applied the interest and principle is not accurate the car is not worth more then XXXX so I cant even try to trade it. also they said that in a year to come back to the dealership and they would refinace the car but when i tried they said they dont refinance.
10/26/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Application, originator, mortgage broker
  • NC
  • 27262
Web
For a number of years I have been trying to refinance my mortgage with BB & T bank at a lower interest rate in order to lower my mortgage payments to help me and my family to pay more on our high credit card debt. Despite my excellent payment history with BB & T in regards to mortgage and other loans with them, they refuse to offer me a mortgage at a lower interest rate stating that my credit score is too low and that my outstanding commercial loan balances XXXX credit card debt ) is too high. This has been very frustrating for me as I realize that the answer to me improving my credit score is to lower my outstanding commercial debt. But it is difficult for me to accomplish this at my current mortgage interest rate.
03/19/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MD
  • XXXXX
Web Servicemember
I have disputed the information with the company. However, I have not gotten a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " XXXX XXXX '' XX/XX/2014 via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
12/11/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • VA
  • 23320
Web
I currently have an auto loan with BB & T and noticed that my most recent payment had not come out of my account. When I logged on to see what was going on it showed that the payment had been reversed. This is the second time this has happened! The first time BB & T called to inform me I was late on my payment ( I then had to pay a fee of course ) and when I asked why I was never told the payment was reversed they had no answer. I found after that I missed the last XXXX on my routing number which was why my payment was reversed. I receive emails that my payment has been processed but NEVER that it was reversed. How am I supposed to know that I did n't make a payment when my records from BB & T show that it was?
03/31/2016 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • NC
  • XXXXX
Web
I was charged a overdraft fee of {$36.00} by BBT Bank when my available balance was more that the amounted debited from my account. My posted balance was not so that is why the overdraft fee was charged according to BBT. However had I used my debit card for the same amount it would have been covered and NO overdraft fee. This is just a way for BBT to make extra money off consumers. What is really crazy is I made my deposit in cash at their ATM at XXXX and that was to late for them to post CASH to my account but it was showing in my available balance. Every other bank if you make a cash deposit anytime it is posted and available to use. This is totally just away for big bank to make extra money of the consumer.
08/03/2019 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • NV
  • 89521
Web
I contacted the bank through the online secured email to request that my account be closed as I sold the vehicle I had financed through them and I do not reside in the area of the bank. I email stated that I needed to go into a branch or call the XXXX num. I call the XXXX num to close my account and they proceed to tell I need to go to the branch I open the account to close it. I live over 3,000 miles away from the nearest branch or I needed to find a way to get the balance to XXXX. Mine you I get charged XXXX for the balance under XXXX and you can not do external transfer for a small amount. I explained to them I never had this issue before closing an account as I move often for my job with the government.
11/14/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • WI
  • 532XX
Web
On XX/XX/XXXX I submitted a written letter to XXXX XXXX XXXX asking them to investigate an unauthorized hard credit inquiry that is on my personal credit file. On my credit file, it has 'XXXX XXXX XXXX ' listed as a hard inquiry made on XX/XX/XXXX on my XXXX and XXXX Reports. In my letter to XXXX XXXX XXXX, I vehemently stated that this inquiry was unauthorized and they did not have my permission to access my credit profile. At that time, I asked them to investigate and submit to me any documentation they may have displaying my authorization, or contact both credit bureaus to remove this inquiry. On XX/XX/XXXX I received a letter via mail from XXXX XXXX denying my request to investigate this matter.
12/09/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 310XX
Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
10/27/2019 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 601XX
Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
11/22/2017 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Problem with the interest rate
  • OK
  • 731XX
Web
I purchased a vehicle and got financed with XXXX XXXX XX/XX/XXXX I got a 72 month loan with payments in the amount of {$450.00}. I currently have a balance of over {$9000.00} and they told me I have 22 payments owed each in the amount of {$490.00} totaling XXXX. We have made a whole lot more payments over the term of 72 months. I called and spoke to the " CEO '' XXXX/XXXX/XXXX and we didnt get anywhere. I called again today to get answers and all they tell me is that I owe over 9K. My contract indicates a fee of {$20.00} if paid late or 5 % but does not mention that all payments will cover interest only. We have been paying for 9 years and cant get this loan paid off. No action is taken by the company.
08/14/2017 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • PA
  • 19040
Web
I bank with XXXX XXXX XXXX. I 'm on Social Security XXXX, and have been getting more and more Overdraft fees. In the past 3 months I 've been charged over 500 in fees. XXXX is my only source of income. And these fees have been causing undue hardship and harm to myself and my family. This month, due to the rolling overdraft fees, within a week of my social security check being deposited, my account was already in the negatives. I attempted to work this issue with the bank, they removed ONE overdraft fee. My bills generally do n't change monthly, but due to the {$36.00} fee for each overdraft, they have been taking more and more of the money I need to survive. I need some help getting this issue resolved.
06/29/2015 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • VA
  • 230XX
Web Older American
In XXXX, XXXX I opened a business account at BB & T in XXXX, XXXX. It was a joint account. In XXXX of XXXX I went to the bank to get copies of the account statement. I was told there was no record of the paperwork completed when we opened the account and therefore they would not release information. I was informed that the account had been closed in XXXX of XXXX without my knowledge or permission. I was told to get an attorney to subpoena the records from XXXX home office of BB & T. I contacted an attorney who stated I would have to file a lawsuit to get a subpoena and it would have to be signed by a judged. I do n't want to sue BB & T and run up a law bill the size of XXXX just to get my bank records.
03/23/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • IN
  • XXXXX
Web Older American
I refinanced my mortgage loan with BB & T. They received a wire on XXXX XXXX, 2015. The payoff left an escrow balance of {$4000.00}. I called BB & T today to find out when my funds would be released to me. I was told that it would be 2-3 weeks before the funds were " mailed '' to me. The loan servicing agent then give me the date of XXXX XXXX, 2015 as the date I could expect my funds to be " mailed '' to me. That date would add another 3-5 days before receipt, or possibly as long as 1 full month from the date BB & T received wired, good funds. I inquired if I would be receiving interest on my funds and was told no. This seems like an exorbitant delay without compensation for BB & T 's use of my funds.
12/21/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • SC
  • 29841
Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
03/20/2015 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • FL
  • XXXXX
Web Older American
I fell for a scam on the Internet. I was supposed to be a collection agent for a XXXX manufacturer. They sent me a check and advised me to deposit in BB & T bank. I did. After ten days the bank assured me that the check had cleared to bank and not to worry about it. I transferred {$28000.00} via wire transferred to a third party. Now the bank is holding me responsible for a mistake that they made. They put a hold on my wife 's account that had {$3500.00} in it. I 'm XXXX years old and have no other income than social security. They had no legal right to hold me responsible or to put a hold on other family accounts. I need to have my money released. Please take care of this matter ASAP. Thank you.
08/10/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • OH
  • 437XX
Web
I have filed at least XXXX HAMP applications and sent them to BB & T and they continue to charge me late fees and leave me hanging so that they can rack up fee after fee and deny me a HAMP loan based on me not resolving my hardship, if I was able to resolve my hardship I would n't need a HAMP loan. This is not a HAMP guideline and I feel they are denying me so they can run up as many fees as they possibly can. I 've been feed to death for at least the last 2 years and it just continues and I just keep getting denied and then they keep sending me letters telling me they value my business, well I would value someones business too if I could fee them to death and leagally make them pay me those fees.
12/08/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • FL
  • 33428
Web
I got a loan from Regional Acceptance Corporation address XXXX XXXX XXXX XXXX NC XXXX. The loan was for XXXX and with an accumulating interest of XXXX that was in 2011 now they still want me to pay another XXXX to pay off for car which I brought. I talk to them and gave an offer they refused and demanded that I pay or they want to reprocess the car and after they sold it I will still owe the differences. I paid a total of XXXX for a loan of XXXX, although, it was not a fair deal but that it what I could do at this time. I would like to file a complaint against this corporation so you can assess and evaluate the situation for a fair result. Awaiting for your answer, thank you, a suffering customer
02/14/2019 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Fee problem
  • TN
  • 37934
Web
I have tried for the last several months ( with the help of my husband ) to resolve my issue with the Bank. No resolution. In XX/XX/2012, i was convinced by the Branch officer to open a savings account and make monthly transfers from an checking account i had with the Bank. We transferred {$100.00} and then {$10.00} a month. What I recently realized that the Bank was charging me {$5.00} a month in fees. In 6 months i was charged {$30.00} in fees on deposits of {$150.00}. Interest credited was XXXX cents. This was not a best practice by the Bank. They should never have opened these accounts with these very high fees. Not in the best interest of me and the many other thousands of customers.
11/21/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • IL
  • 60647
Web
The company XXXX XXXX or XXXX XXXX appeared on my XXXX credit report on XX/XX/XXXX and on my XXXX report on XX/XX/XXXX. It appears to be finance and personal under business type. When I contacted the company, they informed me that my social security number and other identifying information was used in an attempt to acquire a loan. I informed the company that I have not submitted any form of application for financing and that this inquiry was initiated without my consent or knowledge or permission. The company said they will document the issue and contact me back with further instruction. I have yet to hear back from the company and each time i contact them further, I am told the same thing.
07/06/2017 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 75220
Web
Repeat issue. " We expected some customer loss ( when we took over the XXXX accounts in Texas ) '' - BBT Branch Representative at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. My credit report is still being negatively affected by BB & T as a result of poor account management and customer service following a disputed transaction. The dispute investigation ended in my favor however the bank did not correct information with the credit bureaus, indicating my account as having payments that were 30 and 60 days past due. No information has been accessible online via portal and PDF nor in the mail as to the issue. A {$0.00} balance continues to show on my credit report as 30 and 60 days late ( see image ).
05/24/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • PA
  • 16506
Web
I sent a dispute letter to XXXX XXXX which was signed for on XXXX / XXXX / 17 due to having the wrong amount owed. I received a letter back from them dated XXXX / XXXX / 17 in which the correct information was showing but was not what was reported to the credit bureaus by them. I Sent them a new letter which they signed for on XXXX / XXXX / 17 asking them to remove this item from my credit report due to FCRA section 623 ( a ) ( 3 ) and FDCP 807 ( 8 ). In which they never marked this item as disputed within the 30day period. They proceeded to send me a letter dated XXXX / XXXX / 17 stating they would mark it dispute. However, this is not Within the parameters of these laws.
01/18/2018 Yes
  • Vehicle loan or lease
  • Lease
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 27616
Web
I aquired a auto loan from XXXX XXXX XXXX on XX/XX/XXXX. I was on time with my payments and was in good standing with my loan. I was involved in a car accident in XX/XX/XXXX where my car a XXXX XXXX XXXX was totaled. The accident was reported to as being the other persons fault and they were ordered to pay for the car. What the other persons insurance did not cover was taken care of by my gap insurance. I have recently checked my reports and on all three credit reporting angecies XXXX is reporting a balance and the debt as a charge off and this information is inccorect because it should be reporting a XXXX balance becuase they were paid by both my insurnce company and the at fault party.
04/08/2015 Yes
  • Mortgage
  • VA mortgage
  • Loan servicing, payments, escrow account
  • VA
  • 225XX
Web
I sold a home financed by BB & T in XXXX 2014. At the time I was almost XXXX months behind on the payments. The home was completely paid off and I received a refund from my escrow account. A few months later I noticed it was showing delinquent on my credit report so I disputed it. It came back as valid. I disputed again, came back valid. I called BB & T and a customer service rep said there was a {$10.00} balance for an inspection. Nobody sent me anything regarding this. I asked how to get it resolved, she transferred me to a voice mail box. I left a message more than a week ago, no response. I want this corrected on my credit report. It is showing delinquent for a year now. Can you please
12/06/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • VA
  • XXXXX
Web Servicemember
I filed a case CFPB Case Number XXXX on XXXX XXXX, XXXX about issues with XXXX XXXX XXXX XXXX. They responded that the loan was sold to them by XXXX XXXX XXXX under false pretenses because XXXX XXXX XXXX was a 2nd not the first on the loan. BB & T was the first. We are now working with BB & T to try to close this short sale. BB & T has a XXXX XXXX, XXXX foreclosure date. XXXX is not responding to calls from the lawyers to release/return/settle so that the sale can go through. I need help getting BB & T to move the foreclosure date out so that a reasonable closing can be processed. I could also use help getting XXXX to settle this loan with BB & T. XXXX is at XXXX XXXX XXXX XXXX, Va XXXX
05/31/2017 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Non-sufficient funds and associated fees
  • PA
  • 178XX
Web
I. And with BB & T. Thursday XX/XX/XXXX, my balance in my checking account was XXXX. Next day Friday, XX/XX/XXXX, I made 3 deposits, XXXX, XXXX, XXXX. Wednesday XX/XX/XXXX, I go into my checking account and balance is XXXX they also show that on XX/XX/XXXX, they have pending transactions for overdraft charge of XXXX and XXXX fee taken out of ssving and put in checking even though I have funds in my account to cover the cost. I called my bank and they claim that even though funds are showing in my account on the XX/XX/XXXX, and I have proof with pictures that those funds are showing on that date, they claim that it did n't post until later. Even though it shows on my account that it had.
04/13/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • GA
  • 30067
Web
My XXXX credit report shows an unauthorized credit inquiry from BB & T Financial Services on XX/XX/2016. I did not authorize this inquiry. During this time, I visited XXXX who assured me my credit file would only be viewed XXXX. However, this was not the case. I understand that my credit file should n't be accessed without my authorization. I contacted XXXX, but was unsuccessful obtaining a resolution. I have an extended fraud alert in place requesting I be contacted via phone for verification prior to accessing my credit file. This did not occur ; therefore, the removal of this inquiry is requested. In additional, I contacted each lender requesting removal, but my request was refused.
12/17/2018 Yes
  • Money transfer, virtual currency, or money service
  • Traveler's check or cashier's check
  • Fraud or scam
  • TX
  • 75224
Web
In XX/XX/2017. I purchased a cashiers check from BB & T bank in XXXX XXXX TX. The check was for XXXX XXXX of XXXX XXXX XXXX. Make Homes Affordable The check was for {$1500.00}. After a two week long period?. I had been calling and emailing her and no response. I called the XXXX XXXX Police Department. They had decided that the company was XXXX XXXX and we had been scammed. I asked BB & T to track my check and they said it had been cashed. BB & T would not give me any information about the bank or the company that had cashed it .There was not enough catagories for XXXX XXXX and XXXX XXXX XXXX . This involves all of them and so Im asking for them all to be investigated. Thank you
12/13/2018 Yes
  • Debt collection
  • Federal student loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • XXXXX
Web
According to the Fair Credit Reporting Act, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts.
02/17/2017 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • NC
  • 27893
Web Servicemember
I XXXX XXXX XXXX had an account with BB & T BANK Routing # XXXX & Account # XXXX, in XXXX NC XXXX. BB & T 's Bank Manager told me that his Representative will CLOSE my wife & my Account as of XXXX XXXX. XXXX, she did ( letter enclosed ). I ( XXXX XXXX went to BB & T to make sure this was recorded in their files, it was not.I spoke to a XXXX XXXX XXXX at BB & T she stated that, quote '' that manager was n't suppose to CLOSE this Account & he was n't suppose to wave any fees, you 're have to pay all fees & your Balances '' unquote.Well, here 's our " Account Closeout Receipt enclosed! '' Our name is in the XXXX, because of this! Sign, XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX
05/24/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • SC
  • 29607
Web
It has recently come to my attention that your company has placed an inquiry on my credit report. I would like to exercise my right under section 809 of the 1972 FCRA. It is my right to request that YOU send me proof that I authorized your company to check my credit on XX/XX/XXXX. Please provide me a copy of a signed credit application or document showing I specifically gave your company the authorization to review my credit. If you can not provide me the requested proof within 15 days I request that you immediately DELETE this item from my credit report. Please note any template letters, or off subject information requested will be taken as an avoidance tactic by your company.
01/10/2017 Yes
  • Bank account or service
  • Checking account
  • Using a debit or ATM card
  • VA
  • 20121
Web
I have attached a complete description of my problem with BB & T. Although this issue has finally been resolved ( after 3 months ), I am sending this to point out that we should not have been put through this strictly because of incompetence and lack of interest on the part of BB & T personnel. Why did I have to deal with the XXXX department and XXXX separate bank branches in order to finally find XXXX person who cared and was willing to help? It was a very poor customer experience. I wonder how many other fraud victims at BB & T go through similar experiences? Was our experience the norm, where the bank is trying to avoid fraud costs or was this situation an anomaly? I doubt that.
06/29/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • FL
  • 33404
Web
On XX/XX/2018 between XXXX I deposited XXXX in the bank, filed a case with the bank twice and they are telling me that only found XXXX which makes me furious because I told them to review their cameras and look again the bank stated that they are not going to give me back my money .Also the bank charged me XXXX for calling with out my permission they took it out of my account.They need to shut down BB & T bank it is very awful and too much issues .My goal is to get my money back because I am XXXX and I am very independent and I take care of myself and I pay over XXXX in bills every month and when money is missing its a problem.So please look into this because I need my money back.
07/06/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 32724
Web
I notified BB & T on Monday, XXXX XXXX 2017 of a fraudulent transaction I found on my statement. I called XXXX spoke with XXXX and reported a fraudulent charge in the amount of {$760.00} posted to my account on XXXX XXXX 2017 I was given a case number but the funds have not been returned to my account as of XXXX, XXXX 2017. I was under the impression according to the Federal Fair Credit and Reporting Act that this unknown and fraudulent charge is to be returned to my account immediately while any further investigation ensues. I have since called BB & T asking to be transferred to the fraud department to discuss an existing claim and have been put on interminable holds both times.
01/30/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • OR
  • XXXXX
Web
I was a victim of XXXX 's inquiry issue. I called and tried to explain this to them. I have reached out to them in writing and via phone and the companies via in writing to no avail. Inquiries I did not authorize : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX And this month I had multiple inquiries in a one/two day span in which I DID NOT authorize. The salesman at a dealer had me sign a form allowing them to pull credit. I did not authorize them to allow anyone else but THEM to pull my credit. XXXX XXXX XXXX. I had over 13 inquiries over all 3 bureaus pulled. They financed me thru XXXX XXXX. This is criminal. XXXX XX/XX/XXXX BB & T XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
06/10/2015 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • GA
  • 30506
Web
When we opened our accounts with BB & T, we chose to opt out of overdraft protection. On XXXX/XXXX/15, we had XXXX in our account, not enough funds to cover a purchase made to XXXX. BB & T paid for the purchase and charged us an overdraft fee. The charge should have been declined. The purchase was paid with the wrong card on file at XXXX. BB & T reorders transactions, paying checks last in order to maximize overdraft fees. This system renders the opt out for payment of debit card transaction useless to the consumer. If checks were paid XXXX or in order, then BB & T would have to decline ACH and debit transactions for lack of funds and the consumer would avoid overdraft fees.
08/29/2017 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Applying for a mortgage or refinancing an existing mortgage
  • VA
  • 20151
Web
My Name : XXXX XXXX Bank this complaint is againsgt : XXXX & XXXX ( Branch Banking & Trust Company ) Account Info : ( Bank : XXXX ; Branch XXXX ; Customer : XXXX ; Loan : XXXX ) Property/My Address : XXXX XXXX XXXX, XXXX, VA XXXX ) I paid off a 2nd loan ( HELOC ) on my home in 2011 to BB & T ( Branch Banking & Trust Company ). To this day they have n't release the lien on it. I am attaching a letter of satisfaction of the loan upon payment, sent to me by a law firm representing BB & T for your reference. I am not being abler to refinance my mortgage to lower my debt as a result of this undue lien on my property. I would really appreciate your help and effort in this regard.
11/16/2017 Yes
  • Checking or savings account
  • Savings account
  • Closing an account
  • Can't close your account
  • MI
  • 48111
Web
BB & T locked my savings account after a year of no withdrawals. I transferred funds into the account, after all, its a savings account - designed for long term savings - but BBT doesnt consider the transfer of dollars into the account as an activity. Now the dollars transferred are locked. They state that i need to come into a location to unlock and receive my funds. I live out of state. I have a notarized letter stating my desire to close out the account and release my funds. All attempts to fax fail as the line is constantly busy. The bank has yet to return my calls to e-mail them a signed copy as an alternative to their fax. This is the BB & T on XXXX XXXX in XXXX VA
12/10/2016 Yes
  • Mortgage
  • Home equity loan or line of credit
  • Application, originator, mortgage broker
  • TX
  • 75206
Web
Over a period a six months, my XXXX mother applied for a large loan from BB & T in XXXX. Over that period my mother was asked to pay for an appraisal fee of over {$500.00} and was led to believe that she was in line for the loan. Over a six month period she was, I feel, led on my a young employee at the bank who played to her motherly instincts. While salesmanship is a part of business, my mother spent thousands of dollars on an apartment under false impression it turns out, that the loan was a mere days away. This process cost her thousands of dollars over a six month span. While this is in no way a predatory loan, I feel that my senior citizen was indeed led on by BB & T.
06/01/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • VA
  • 22191
Web Older American, Servicemember
The problem is I will talk to someone at Regional acceptance and made payment and they will continuously keep calling. They call me up until XXXX at night. I asked them not to call me after XXXX because I am in bed and they said they have a right to call me up until XXXX XXXX. After I told them that continuously called me until XXXX with several back to calls. This at XXXX they started again with at least four calls in a matter of 2 minutes. I told them XXXX said she was my account Representative and they refused to listen. They call me from different phone numbers. I am getting interest everyday I am at XXXX for two car payments regional acceptance charges interest daily.
05/24/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • TX
  • 77083
Web
On last year my son took sick which he was playing half of the bills with me so once he took sick and i had to take over i got behind and one thing after another he passed and i literally lost my mind, and during that time i i didnt know where i were, they came and pick up my car, so now that Im putting my piece together i need a car to start back working, and its hard because of the repo, i didnt hear both from the company until i seen on my credit how much they sold it for, i ask was it anything they can do i was told it was sold and they sorry for my lost, so now Im stuck with no car and repo on my credit that happen during a bad time in my life the death of my son
04/14/2016 Yes
  • Bank account or service
  • (CD) Certificate of deposit
  • Deposits and withdrawals
  • NC
  • 284XX
Web
I filed a complaint reference # XXXX. I received a response that the inquiry was satisfied in 2008. Not SATISFIED!! I was not offered any documents supporting the evidence of this TRANSACTION. I have the ORIGINAL CD in my possession. I have contacted the representative XXXX XXXX directly at ( XXXX ) XXXX. I have received no response. I contacted BB & T before the initial complaint was filed in person at my local bank, then by phone at the XXXX office with NO RESPONSE at ALL. The documents supporting this TRANSACTION I would LIKE to have sent to me VIA emal and mail ASAP. I am attaching THE REAL AND ORIGINAL COPY OF THE CD that I am seeking for my funds due to ME ....
08/27/2015 Yes
  • Credit card
  • Identity theft / Fraud / Embezzlement
  • NC
  • 27406
Web
My debit card was stolen when I was at a XXXX XXXX in XXXX on XXXX XXXX, 2015. I paid to have my nails done prior to receiving service and my wallet ( onkly containing the debit card and license XXXX were XXXX stolen. I did not realize the wallet had been stolen because it was taken out of my purse and my purse was not stolen. When I discovered that it had been stolen, I immediately reported it stolen on XXXX XXXX, 2015 and got a new license. My fraud claim to the bank ( BB & T ) was denied because they feel like I did not have enough evidence. I have since filed a police report about the charges which were made in another town XXXX XXXX, NC XXXX totaling {$2400.00}.
04/07/2015 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • AL
  • 35404
Web
A check in the amount of {$3700.00} was deposited into our bank around XXXX XXXX but has not shown up on our bank statements. We have been tracking the bank statements in the event there was a delay or problem and as of the XXXX statement still no deposit was shown. We contacted our bank, the 1-800 number and the XXXX local branches. No one has any information about the deposit. The organization that issued us the check says the check did clear their bank XXXX XXXX but say there is no information readily on the check to identify what bank processed the deposit. What do we do? Are there not tracking numbers to identify all banks involved in check deposit transactions?
04/27/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • XXXXX
Web
XXXX claims i am thier consumer, how did that happen, XXXX claims I am thier client/customer too. well to ; ; XXXX XXXX ( Treasurer ) XXXX XXXX XXXX ( Director, President ) XXXX XXXX ( President ) XXXX XXXX ( Secretary ) XXXX XXXX XXXX ( Director ) im tired of the games and i did send you your present in the mail with the seal of destruction, im going to fix you XXXX XXXX using XXXX magic, you and your family will experience the same termoils plus more of what you are causing me, its an energy reversal, within 30-45 days you will experience this power and see hardships and bad experiences, the spell will not be lifted, XXXX you now, I know now how to deal with XXXX
04/25/2017 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • TX
  • 77845
Web
I was trying to make a rent payment to my landlord in the amount of {$600.00}. The payment came out and went back twice. On XXXX / XXXX / 2017 I made one last call to them and spoke about what happened and was trying to get it corrected. I was told I would be fine to try again and that the two failed attempts would not post and would fall off. This was clearly a lie and one posted and caused me to go into the negatives. I called to get this fixed and was patronized and treated poorly. I have had to call back several times to get this fixed and still nothing. Now I 'm in the negatives all because of a lie that was told to me with absolutely no urgency to fix it.
04/02/2019 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MN
  • 55024
Web
On XX/XX/XXXX of this year I made my XXXX payment for a XXXX ( this I admit was a few days late ) On this date I also made the payment for the next month ( Due XX/XX/XXXX ) On XX/XX/XXXX I then noticed that I was charged late fees for that month which was already made. I looked on my account and they applied my XXXX payment as a principal payment instead of toward the payment due. I emailed them and called them and they assured me it would be fixed. I then made my XXXX payment on XX/XX/XXXX ( due the XXXX ) and just saw late fees again and saw that they NEVER fixed the XXXX Payment made to a principal payment. Called again today and they are refusing to fix this.
01/29/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • NC
  • 27804
Web Servicemember
It seems I have an account with XXXX XXXX XXXX for an auto loan which I was the victim of predatory lending practices. I had just purchased a Truck and had financing with XXXX XXXX XXXX at the same time it seems I was also approved by XXXX XXXX for a second vehicle loan the dealership knew there was no way I could afford two loans at one time yet went ahead with the second one anyway, I did not keep the second vehicle and made arrangements to have it picked up by XXXX XXXX in which they did in XX/XX/XXXX yet they are still reporting it now in XX/XX/XXXX, I can not get into a home with this still on my credit report and as a XXXX Veteran face possible homelessness.
09/23/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 30135
Web
My complaint is against the Escrow Department with BB & T Mortgage. I have tried numerous times to resolve this issue. I have Paid my mortgage payment on for over 15 year, even through a bankruptcy. My home value in XXXX XXXX Georgia is XXXX or more according to XXXX XXXX assessors office. I pay taxes on a home valued at XXXX. But BB & T bank is valuing my home at XXXX for the last 9 years with no increase in value. I pay my taxes and insurance payments out of my own pocket not from Escrow. this past year. .How would any person feel paying property taxes on a property that the bank is saying is worth half of what I 'm paying taxes on ... .Enough is Enough BE Fair
08/13/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NC
  • 28269
Web
This complaint is not a duplicate tied to complaint XXXX. I pulled my XXXX credit report and found REGIONAL ACCEPTANCE CORPORATION had pulled my credit without authorization on XX/XX/2018. I sent them a letter to remove the unauthorized inquiry or provide the signed application which is needed to file a FTC identity theft report. They did not delete the inquiry or provide the documentation required under section 604 of the Fair Credit Reporting Act. This is a violation of the law and they must comply be deleting the inquiry or providing the signed application, so an FTC identity theft report can be filed. Failure to adhere to the law will result in legal action.
12/01/2015 Yes
  • Prepaid card
  • Gift or merchant card
  • Fees
  • NV
  • 89141
Web
I received a gift card in XX/XX/2011 and went to use it and found out that I was charged {$3.00} per month repeatedly due to non-activity. I have researched this and found out that my state ( NV ) does not allow a fee higher than {$1.00} per month. When I called the company to ask about it they said that the federal law trumps state law, which to my understanding is not true when the state law provides more consumer protection then federal law. Please advise whether or not this is true because I feel they are fraudulently charging NV consumers thousands or more dollars per month. They claim it is legal because federal law says they can but XXXX says they ca n't.
03/20/2017 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • PA
  • XXXXX
Web Older American
On XXXX/XXXX/2017 I went to the BB & T Bank to close my checking account. I advise the teller this is what I wanted to do and withdrew the {$350.00}, I thought remaining in the account. He advised me the account was now closed. I thereafter received notices of NSF as BB & T paid a bill on this closed account. I had made steps to have this billed paid at my new customer friendly bank, that values small business relationships with seniors, XXXX and veterans. I then went to the BB & T bank in XXXX, PA on XXXX/XXXX/2017 and was informed the account was {$220.00} over drawn. They gave me back {$76.00} of {$130.00} in nsf fees. I feel I should get the other {$56.00}.
04/06/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • KS
  • 667XX
Web Servicemember
i bought my daughter a used car 2 years ago. i didn't have a down payment, but the dealer said he could find me a lender. I have decent credit. XXXX XXXX XXXX, of XXXX Alabama approved a loan with interest of between 26 % and 32 %, but are actually charging 6.26 % PER DAY. It was supposed to be a 3 year loan, but some how turned into a 66 month loan.my monthly payment for a XXXX XXXX XXXX is {$320.00} per month.of that {$140.00} is applied to the principal and {$170.00} is applied to interest. I was assured, that if I was timely on my payments I could renegotiate my interest. I've never missed a payment nor have i ever been late, but they wouldn't renegotiate.
11/05/2015 Yes
  • Bank account or service
  • Other bank product/service
  • Account opening, closing, or management
  • VA
  • 23220
Web
XXXX XXXX : FOR THE XXXX KICK OF THE MULE I AM STILL STANDING BY MY RESPONSE SUBMITTED TO BBT BANK AND THE CONSUMER PROTECTION FINANCE BUREAU ON NUMEROUS OCCASIONS. YOU KNOW THE ROUTINE XXXX-WHERE ARE THE CONTENTS OF MY SAFE DEPOSIT BOX! STOP REFUSING TO CHECK THE VIDEO CAMERAS ON THE AFOREMENTIONED DATES ; WHAT IS IT BBT BANK THAT YOU DO N'T WANT THE CONSUMER PROTECTION FINANCE BUREAU TO KNOW? WHY ARE YOU AFRAID TO CHECK THE TAPES? WHAT ARE YOU TRYING TO HIDE? OR HAVE YOU ERASED THE TAPES? IS THIS A BBTGATE? THE SAFE DEPOSIT BOX KEYS I HAVE ARE NOT THE ORIGINAL KEYS I WAS GIVEN! AS YOU CAN SEE IT 'S THE SAME ROUTINE XXXX!!! SEE YOU ON MULE KICK NUMBER XXXX!!!
06/04/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • GA
  • XXXXX
Web
I woke up on XX/XX/19 and had a notification from my bank about possible fraud. After looking at my account I was able to confirm that {$140.00} was withdrawn from my account at an ATM in a different state. When I contacted my bank to report the fraud they told me that I couldn't report fraud to them at this time. They asked me to call back and report the fraud after 3 business days. I called 3 times and finally they allowed me to report the fraud immediately after explaining to them my rights under Electronic Fund Transfer Act. BB & T was the bank. They did the same thing to me with a previous fraud and they failed to compensate me within the required time.
07/18/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • TX
  • 77057
Web
BBT Bank representative failure to investigate the XXXX card charges {$33.00} and they also charge over draft for {$35.00} then another transaction fee {$35.00} rack up fee 's. They didn't fully investigate at all just offered a temporary 10 day credit. I had already pay the {$33.00} fee about 1week prior they reject the claim. Then overdraft fee was supposely to be turned off the feature. However the {$160.00} was force onto my debt card neither 1 on of these fees were swipe at all then I was giving the run around about the fee. Now my account is over drawn {$520.00} and BBT fraud department refuse to investigate the case for the {$160.00} simple rejected.
04/06/2018 Yes
  • Mortgage
  • VA mortgage
  • Closing on a mortgage
  • TN
  • 37323
Web
On XX/XX/XXXX, My wife and I applied for a VA loan with BB & T. The original closing date given was XX/XX/XXXX. After 2 months of waiting, The Bank gave a new date of XX/XX/XXXX. On XX/XX/XXXX, the excuses being provided is that things are completed but not released. This are the same excuses that have been given for the past several days. The lack of effort to resolve the closing and paperwork has placed my family in a financial bind due to renter notice of leaving, moving company rescheduling, and several other foreseen problems with utilities and such. The processors have delayed the paperwork necessary to complete the loan process for over 10 weeks.
07/28/2017 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MI
  • 480XX
Web
The explanation XXXX XXXX provided is contrary to how my account was handled. As stated, I called in XX/XX/XXXX 2016 asking for the TOTAL amount needed to bring the account current. That includes late fees. I was given a total and paid it accordingly. In XXXX XXXX XXXX response they stated they apply funds to late fees first. Clearly that is not how my XX/XX/XXXX payment of {$3300.00} payment was allocated. I have tried several times to get an understanding of why my lump sum payment was not applied to late fees but it is extremely difficult to communicate with employees of XXXX XXXX. The customer service representatives are rude and very antagonistic.
01/02/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • GA
  • 30115
Web
I have a consumer car loan ( truck ) that has not been conventional by any sense of the word. Currently my loan is coming to an end ( 3 payments remain ) and for the past 2 years I have tried to get this corrected with little result. Like most normal car loans you can pay more or completely pay off without any penalty but in my case even when extra payments are paid it 's simply reduced the amount of the next payment instead of reducing principle. Interest rates are also based on the month previous last payment instead of the newest month minus payment paid. I 've gone to my local bank branch several times but have never been given correct information.
01/08/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MS
  • 39206
Web
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
12/25/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33068
Web
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
12/22/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • MA
  • 01701
Web
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
08/31/2018 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • VA
  • 23803
Web
checking account was used in error for my XXXX truck payment of {$540.00}. I saw the overdraft fee {$36.00}. I held line over 20 minutes spoke to a female associate and her manager XXXX on XX/XX/18 st XXXX. Neither helped. I als spoke to a manager named XXXX at the XXXX, Va location today at XXXX wS no help. They can see this is a secondary account & this has never happened before. I also called the Corperate office and spoke to XXXX awaiting a follow up. If this is the way B.B. & t treats its long term customers, Ill clear my balance ; close my account. Ill never recommend family or friends to come here & report this to the news and social media.
02/07/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • OH
  • 45324
Web
Hi my names is XXXX XXXX and I 'm very upset with regional acceptance corporation it has over charged me from the beginning of and has n't fixed the problem my payments have XXXX but i was told that my payments would be XXXX and it has n't been no where close to this the car has a warranty but they charged me for another warranty that i did n't need among other things i was promised that i would get my spear tire but i still do n't have one and i need that cause i attend college and you never know what will happen i want my payments to be reasonable like i was told when i purchased the car also they applied Gap insurance on my car with my knowledge
08/28/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • VA
  • 24501
Web
I had a mortgage through BB & T for a home originating XXXX XXXX. The house was sold in XXXX XXXX as a Short Sale per agreement with BB & T. The Short Sale was reported as a Foreclosure on Equifax credit report that was run XXXX XXXX. XXXX credit shows Mortgage was reported as " Paid For Less Than Full Balance ; Foreclosure ; Fixed Rate. '' However, per BB & T letter dated XX/XX/XXXX, " The loan is to be reported as " settled '' ( LOAN PAID IN FULL FOR LESS THAN THE FULL BALANCE ) to the appropriate credit repositories. '' I need my credit corrected to show Short Sale for the BB & T mortgage instead of Forclosure ; Paid for less than full balance.
12/19/2015 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • FL
  • 33018
Web
I deposited money into my checking account making my checking account XXXX total and a debit was posted to my account for XXXX almost XXXX hours later and BBT told me that the deposit will always post first before the credit. That is unethical and an easy way for the banks to get more overdraft fees from there customers. I had more then enough money in my account and they still charged me an overdraft fee and took money out of my savings when I had more then enough in my checking. Whether I deposit cash or not they told me it 's not readily available for use after XXXX that 's total nonsense and I 'm not the only one having this problem with BBT.
09/02/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • VA
  • 226XX
Web Older American
I received a letter dated XXXX XXXX, 2015 from BB & T bank informing me that my " hazard insurance '' has expired and that BB & T plans to buy insurance on my property which I will be required to pay for. My property is, has been, and will be covered by a Homeowners policy which names the BB & T mortgage as being covered. This policy is paid by an automatic draft on my BB & T checking account and is and has been up-to-date. I contacted BB & T on XXXX XX/XX/2015 to inform them of their error and give them complete details of my insurance coverage of my mortgage ; and a follow up on XX/XX/XXXX2015. I have yet to hear anything from anyone at BB & T.
02/07/2018 Yes
  • Checking or savings account
  • Other banking product or service
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • GA
  • 30052
Web
ON XX/XX/17 I SPOKE WITH A PERSON FROM XXXX XXXX AND THEY EXPLAINED A PRODUCT THEY WANTED TO SELL TO ME. I TOLD THEM TO LET ME THINK ABOUT IT AND GET BACK TO THEM, THEY TOLD ME THEY WOULD NEED MY ACCOUNT INFO TO HOLD THE PURCHASE AMOUNT FOR IF AND WHEN I CALLED BACK BUT THEY WOULD NOT TAKE ANY MONEY OUT OF MY ACCOUNT. SO I BELIEVED THEM SINCE IT WAS SUCH A SMALL AMOUNT AND I GAVE THEM MY INFO, WELL THEY DID NOT WAIT FOR MY CALL THEY TOOK MONEY OUT OF MY ACCOUNT WITHOUT MY AUTHORIZATION. I CONTACTED THEM WHICH THEY NEVER ANSWERED OR CALLED ME BACK AND I CONTACTED MY BANK AND NOTHING WAS DONE EITHER. PLEASE I WOULD LIKE MY MONEY BACK FOR THE XXXX
08/14/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NC
  • 286XX
Web Servicemember
On XXXX XXXX 2016 a single authorization was given to Branch Banking and Trust to pull my credit to obtain a personal loan. On that day XXXX inquiries were pulled and XXXX more on XXXX XXXX 2016 without my consent. I contacted the branch manager ( XXXX XXXX ) who stated she submitted 2 disputes on the inquiries for me and I contacted a customer service representative named XXXX who said she had checked into the matter and nothing could be done to remove the inquiries. I have been sent around in circles over this since XX/XX/XXXX with no resolve. I need help from someone to help get these unauthorized inquiries removed from my credit report.
11/28/2015 Yes
  • Credit card
  • Advertising and marketing
  • SC
  • 29466
Web
The XXXX XXXX BB & T offer I opened a XXXX account for was 90 days of triple points for new XXXX card accounts. At about 70 days, the triple points stopped being posted to my account. I contacted them and they said that the triple point days begin on the day they internally " approved '' the application in their process. However I did n't received the credit card until 2 weeks later and immediately activated it. No one can possibly use a credit card before they even get it. To base the start date on the day the application is " internally approved '' at BBT means the customer will never be able to get 90 days triple points and is dishonest.
04/13/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • AZ
  • 85138
Web
I have been getting charged various amounts on my account. When speaking to the reps in the XXXX Arizona office, they ridicule me, they have cursed me, they have submitted unauthorized payments and hung up on me. When I asked for a copy of the phone recording the supervisor told me " you ai n't getting XXXX ''. I have started recording the calls myself. The other office locations are okay. But I am not able to get anyone to break down the charges other than the late fees and interest. Even the dollar amount on the interest is questionable. The interest is daily, but when I am late it looks as though I am being charged triple the interest.
09/20/2016 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • TX
  • 75243
Web
I have had an account with BB & T since before XX/XX/2007 with no fees. I had no activities so I rarely looked at my account statement. After 8+ years of no fees some time this year my account has been assessed fees greater than {$100.00}. I feel it bad practice and possibly against banking regulations to arbitrarily begin feeing a customers after years of no fees. I made no changes and was not notified of the new fees placed by the bank. With the XXXX XXXX scandal I want to make you aware to make sure your bank is not following the same path. I feel I was robbed of my money just like a bank robber now it seems the bank is the robber.
03/16/2016 Yes
  • Mortgage
  • Home equity loan or line of credit
  • Loan servicing, payments, escrow account
  • MD
  • 21224
Web
BB & T retroactively placed force insurance on my account, when they asked for insurance information I provided it, my insurance company showed a new effective date, BB & T said since the date did not cover the past 3 months they would retroactively charge force insurance, I told them I did had coverage during that period and requested they contact my agent. The call center told me it was my responsibility and they could not make outbound calls to resolve the issue, it was my problem ... It took me over an hour on hold to speak with a manager, I gave up and ate the cost since it was clear they were not looking to resolve the issue for me.
12/28/2016 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • PA
  • 179XX
Web
I use XXXX for my financies. I track when I know my deposits will arrive and schedule bills according. If I know I will have funds on the XXXX I will schedule a bill/draft for the XXXX or XXXX. BB & T is drawing the funds XXXX to 5 days prior to the actual with draft/payment. This causes an overdraft because the depost will not arrive until the XXXX. This seems unfair to charge me an overdraft when an overdraft would not have happen if they did not cause it. If they are going to allow overdrafts then whats the point of pulling the funds early? I feel this should be illegal to charge me an overdraft when one technically did not occur.
11/15/2017 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • VA
  • 23116
Web
Used my card for a vending machine and was charged over 150.00 in overdraft charges. When I called to help resolve the complaint and explain that I am a XXXX XXXX and do not have XXXX dollars to pay for overdraft fees, they said they could not do anything and would have to take me to collections over the charges. When tried asking for a payment plan, they denied the option and said they would not work with me. I proceeded to ask for a representative who could help and they said it was BBT policy. I am a XXXX XXXX that is not able to pay that much in overdrafts and still be able to pay bills. BBT will not work with me in this situation.
07/28/2015 Yes
  • Mortgage
  • Home equity loan or line of credit
  • Loan modification,collection,foreclosure
  • GA
  • 30328
Web
I had a home equity line of credit on my personal home with BB & T. Around 2010 I got behind on a few payments but then I was able to pay the account off and so the account was closed. The credit reports report the status on the account as paid and closed in 2010, but also report incorrectly this account as a FORECLOSURE that is incorrect and affecting my credit. I submitted a correction request with the credit reports but had no luck and the Bank BB & T refused to make the correction and they have NO prove that the home was foreclosed because I paid it off ( as the 3 credit bureaus report the account paid off, balance = 0 and closed.
10/09/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • FL
  • 334XX
Web
I am currently managing a XXXX not for profit, XXXX XXXX XXXX, we have a company Banking account that has ZERO servicer fees, NO minimum balance requirements - essentially a free bank account. Recently I noticed a " Service Fee '' of $ XXXX/mopnth appearing on mu statement. I went into the local BB & T Branch and asked why were received fees. The answer I got was suspicious and appeared to be fraudulent on the banks ' behalf. Apparently the fee is for Checks that we write, where they image the check to the statement, this not something we enrolled in, rather they do it and charge us for it regardless if we havea check written or not.
07/06/2016 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • LA
  • 711XX
Web
BB & T decided to close a bank account for which I was using their paperless program. Because I was given no warning of the account closure, I do not have copies of my records. I need the information from my account in order to do my taxes. They 're now trying to force me to go to my local branch and print physical copies, for which I would be charged {$5.00} per page and {$5.00} per check. As I had several checks daily, this is an overwhelming amount of money for my small businesses. Also, I do not see the point of printing these records, digital is preferred. The following account is affected. Name : XXXX XXXX XXXX Account : XXXX
01/03/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • FL
  • 349XX
Web
I have been in communication with regional acceptance corporation almost ever month to get an accurate statement and to find out what's going to interest and what to principle. I have spoke to XXXX XXXX XXXX in the XXXX office on several occasions and I feel like less of a person after being verbally abused by XXXX. I've asked several times for a principle and interest breakdown of my payments. Also I keep getting robo calls from this number in which I did not give permission XXXX regional acceptance on dates XXXX XXXX and XXXX at XXXX and XXXX. The principle amount has not dropped on XX/XX/2019 it will be 2 years of payments made.
02/14/2018 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Funds not handled or disbursed as instructed
  • AL
  • 362XX
Web
The Directors of XXXX XXXX XXXX XXXX XXXX XXXX XXXX took our Account from USDA and refinanced it with BB & T Bank XXXX, Alabama. The Articles of Incorporation state that notice is to be mailed out to the members of the Cooperative and the members are to vote at the Annual Meeting or Special Meeting. Notice was not mailed out and we, the members were not asked to vote. On Monday XX/XX/18 I took the articles of Incorporation to the XXXX Office, and they faxed them to the XXXX Office. I have had no response from this and I know they were suppose to provide the minutes from the meeting showing the members had voted to change this loan.
08/09/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • OH
  • 440XX
Web
I paid my XXXX scheduled payment. I then sent a separate check with the instructions stating, " APPLY TO PRINCIPLE ONLY '' on the check. So, I sent 2 different checks at the same time. They will not apply my 2nd check to only the principle balance and are only applying a portion then applying some to interest and then pushing my next scheduled payment to XXXX. I called to complain and explain that the 2nd check is a principle only payment and asked to speak with management and she refused to transfer me. Instead she gave me a summary of how loans work. I am demanding that my 2nd check sent be applied to only principle. Please help.
10/03/2019 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • FL
  • 33625
Web
I attempted to set up a checking and savings account on line and was directed to a local branch to complete the process. The branch manager told me that they couldnt establish the accounts because of some derogatory information about me in some system they use. She mentioned XXXX XXXX and XXXX XXXX XXXX. She further mentioned that on XX/XX/XXXX they were instructed to delete that information but refuse to do so. I asked for specifics and was told that could not be provided. I then called the 800 number and was told by them that I was declined because I have a fraud alert I placed on my SSN. This was never mentioned in the branch.
05/18/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • NC
  • 27886
Web
I voluntarily returned my vehicle back to XXXX XXXX XXXX ... the reason for me returning my vehicle was because the company had approve me for a extension for 2 months which was XX/XX/XXXX until XX/XX/XXXX and was to pay back loan on XX/XX/XXXX however the extension got denied and they call me back to let me know that days later so then I ask them what will happen because now I dont have any money and that was due to in and out of the hospital so now they asked me to pay more which was {$490.00} for 3 months to keep the car I felt as if I was lead on ... I was thinking they was trying to help me but they ended up hurting me ...
07/12/2015 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Credit decision / Underwriting
  • TX
  • 78729
Web
I filed necessary forms for a Deed In Lieu of foreclosure with BB & T loan number XXXX on XXXX XXXX, 2015 after condition of property being listed for 90 days was satisfied per their policy. i have had no response as to status and have left several voice mails with XXXX XXXX at BB & T for update with no response. She was the loan officer that advised me on my initial submission of requirement of listing the property 90 days prior to resubmitting the paperwork. I ha e also requested a copy of the entire loan file for investigation of why XXXX appraisals were ordered at my initial loan application. No response to that either!
01/17/2020 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • FL
  • 34116
Web
I am seeking help to rid my credit report and my early warning consumer services account of fraudulent accounts. Accounts from XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX, Branch Banking & Trust and XXXX bank have been made in fraud. I am currently contacting each bank but unable to come to resolutions concerning the identity theft. Attempts have been made to open a bank account from numerous banks that I have not authorized. I have completed several police reports and have made a identity theft report as well. XXXX county Sheriffs office identity fraud Reference # XXXX. Identitytheft.gov reference number XXXX
01/17/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • TX
  • 75206
Web Older American
This is a follow up to a complaint filed at the end of 2016, claim # XXXX. I have tried for about 9 monthsto get in contact with the BB & T 's Senior Vice President Complaint Resolution Manager XXXX XXXX XXXX. I received a standard letter after filing the complaint with the CFPB in XXXX 2016. I received it early last year. I sent a letter and called his office using the contact information on the token response letter. I was trying to get a specific explanation about my problem instead of form letter. I am not quite sure what action to take next. Your guidance in this situation would be greatly appreciated. XXXX XXXX XXXX
12/19/2017 Yes
  • Checking or savings account
  • Other banking product or service
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • NC
  • 28110
Web
BB & T has taken over {$15000.00} in overdraft and NSF fees due to them taking credits out of my account then processing debits then putting my credits back into the account minus the fees they charge. This is being done daily to my business account. I have screenshots of this activity and will be happy to share them with the appropriate people. I tried to talk to the local personal banker at my bank but he said " I should do a better job managing my account ''. I want the funds back that they have stolen from my company and for them to stop this illegal activity. I will seek legal action if this does not resolve the issue.
01/28/2020 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • OH
  • 443XX
Web Older American
On XX/XX/2919, I mailed 2 antique oriental rugs to the auction House XXXX XXXX in XXXX Ma . These were to be auctioned off on XXXX. and they were. Usually they send a check for the proceeds within 30 days but after more then a month when I hadn't received payment, I called XXXX and was told that they had wired the proceeds ( {$1500.00} ) as per my email request. I never sent said email request but it was in my name and with my email address. They had wired my money to an account # XXXX on XX/XX/2019. I tried calling the Branch Bank & Trust in XXXX, NC yesterday to speak to their fraud dept. but was denied access.
04/22/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • FL
  • 33613
Web
I refinanced my auto loan in XX/XX/2018 from XXXX XXXX XXXX to XXXX XXXX. I called for 2 months asking when will I start to pay my auto loan through the new provider XXXX XXXX. I was notified the end of XXXX that my bill was due on XX/XX/XXXX by the time I was made aware of the due date it was already 30 days late. I have been trying to work with the company for a year to have this late payment removed but they refused to take responsibility for they lack of communication with the consumer. This late payment have destroyed my credit and is preventing me from being approved for a home loan. Please assist with this matter
08/10/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • FL
  • 32746
Web
This is a Company that had a diffrent interest rate that I signed and the copy I have was not legible to me at the signing of this contract. I will be sending you some paper work on the problems and how it got to this. this complaint goes against two companies. 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX. TX XXXX XXXX, Fl XXXX The complaint is for shady lending practices and lying giving me poor contract documents that I got from these two agencies. My notes will tell you this problem and how I try to work with them but refuse to contact me in a Reasonable time frame.
09/11/2015 Yes
  • Bank account or service
  • Checking account
  • Using a debit or ATM card
  • FL
  • XXXXX
Web
A few days ago I damaged my card. No lost the card but damaged the card. I immediately login to my account and made a reporting of the situation. Per the agreement there is no charge for the Damaged card. I sent the Financial Institution a online message stating where is the card and when was it processed. I then noticed today after login in that there was a BAIT and SWITCH regarding the TERMS. This seems to be a pattern regarding this Financial Institution and their methods. I ask that the money is returned asap. As this is considered THEFT. If not returned I will be forced to file suit regarding the Unauthorized Debt.
04/01/2016 Yes
  • Credit card
  • Customer service / Customer relations
  • NC
  • 27612
Web
BB & T sent me a letter saying I have " delinquent credit obligations with BB & T ''. I only have XXXX open account with BB & T, it has a XXXX balance and has for over six months. It is not delinquent. The letter also says " We have told a credit bureau about a late payment, missed payment, or other default on your account '' There is no late payment on my credit file and my account has a XXXX balance so they have no right to do this. They have taken adverse action against me based off this information and I would like for them to remove all erroneous information from my account with them and from the credit bureaus.
02/13/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • VA
  • 23456
Web
When signing up for my BB & T debit card, I vividly remember opting out of overdraft fees. Two days ago I transferred money from my XXXX to my bank, they said it would only take hours when it really took days. When the money had appeared in my account it was far less than what I had transferred. They charged me and overdraft fee. But how can this be? I thought you said you opted out of the overdraft fees? You're right, I did do that. These scammers take your money even after you've said you don't want your account charged after you don't have money left. This is XXXX disgusting and no one is doing anything to stop it.
07/06/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • MT
  • 59715
Web
I submitted a request for removal of PMI from my mortgage loan with BB & T for my primary residence on XXXX/XXXX/2016. With my request, I submitted an appraisal from a licensed and certified residential real estate appraiser showing my current LTV ratio ( XXXX % ) was substantially below the required XXXX %. My request was denied with no reason provided. I called BB & T customer service but they are unable to assist as the mortgage insurance office is a back office function and does not interact with customers. I submitted a formal complaint to BB & T but have not been given a reason as to why the request was denied.
04/16/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • AZ
  • 850XX
Web
We are working to settle a gap claim with regional acceptance. It has been handled incorrectly on multiple issues. 1 - payment was made in their website on XX/XX/XXXX, with a posting date on XX/XX/XXXX. The payment never correctly posted. Although my payment register does show a payment they could not explain to me. They refuse to remove a 30 day late that is not accurate due to their technical issues when site clearly showed a payment. 2 - regional acceptance has failed to post a check in excess of XXXX that gap sent them on XX/XX/27 therefore I have to continue paying interest on a larger amount than truly owed.
07/25/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 30046
Web
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
07/25/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 30046
Web
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
06/04/2018 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Didn't receive terms that were advertised
  • TN
  • 37115
Web
I opened a BB & T checking account on XX/XX/XXXX. I signed up with promo code XXXX which promised a {$100.00} bonus if two outbound transactions were made with XXXX within 60 days of account opening. I made two XXXX transfers on XX/XX/XXXX. The bonus was supposed to be deposited in my account within 60 days of the promo expiration date of XX/XX/XXXX. It has passed the 60 day marker and I do not see a deposit. I called customer service and asked when I would get the promotion. They ensured me that the promotional code was applied to my account and that the money would be in my account. It is still not in my account.
10/29/2015 Yes
  • Bank account or service
  • Checking account
  • Using a debit or ATM card
  • FL
  • 331XX
Web
I had XXXX unathorized charges withdrawn from my chequing account and the bank is stating that they find they to be valid since they occured in the country where I reside and also because I had changed my account type a few weeks back before the date of when the transactions occured. I never received any letter regarding the decision, I had to call to get information regarding the claim. I have also made a request to receive a copy of all supportting documentation that the bank used to determine this and they have stated that they are unable to because it 's in a format that they are unable to send via mail or fax.
06/23/2017 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • AL
  • 350XX
Web
OnXX/XX/XXXX I was charged XXXX in overdraft fees, and then again onXX/XX/XXXX I was charged another XXXX in overdraft fees. At the time my other checking account I have with BBT had well over {$20000.00} in it. I also had requested over a year ago that my second checking account ( one with 20,000 + in it ) be linked to the checking account that received the over drafts. That was never done and I was charged XXXX in fees. This is very upsetting. And I have requested from BBT to refund them, and they have refused to. There is no reason I should have been charged these fees when I have plenty of money in their bank.
10/13/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • PA
  • 19140
Web
Branch Banking & Trust Company is my client 's lender. I am a XXXX XXXX. They requested more document 's without on XX/XX/XXXX XXXX and Denied him XX/XX/XXXX XXXX, less than 24 hours. I received the document 's later that afternoon. The document outstanding was for food stamps transactions. We provided them information of the account being an open status and that was insufficient. Homeowner is not computer literate and we struggled to get the statements as we could n't reset the password during our appointments because he did not have a smart phone we had to wait for his daughter to access his email after school.
02/03/2018 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Can't stop withdrawals from your account
  • TX
  • 75154
Web Servicemember
I have already reported XXXX as unauthorized. On XX/XX/2018, a new charge came through again on my account after they reversed the charge from 2 weeks ago they resubmitted it again and the bank processed the charge. Again, I have asked them to reissue me a new account and have not heard anything. I also complained about XXXX deducting from my account and told that it would be reversed and have not heard anything but was accessed ( 2 ) OD charges in the amount of {$72.00}. This to me is unfair and unfortunate on my behalf. I need this credited back into my account and no further XXXX or XXXX transactions honored.
03/30/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MO
  • 63640
Web
When I purchased my home I put 20 percent down but was still required to pay private mortgage insurance for 5 years. I was given an amortization schedule showing that the private mortgage insurance automaticly end after myXX/XX/XXXX payment. My mortgage was then sold to BB & T who is not following the schedule I was given at closing on the property. I have been in contact with BB & T and have been told by 3 different employees that i must continue paying thr private mortgage insurance XX/XX/XXXX. I believe thus is unfair and should not be charged extra on my mortgage for mortgage insurance starting XX/XX/XXXX..
09/08/2016 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • FL
  • 33179
Web
I recently obtained a loan from BB & T bank in XXXX. In order to gain access to the online account I needed to open a checking account even though I had no desire to, but i did bc I wanted to see the loan online. The minimum deposit was {$100.00} which i made. I never used the account however when I looked this year, XXXX XXXX, I realized the account was shut due to being charged successive months on inactivity fees. I am very upset that this type of blatant gauging is still allowed. I received no notifications from my bank of the inactivity fees and was not aware of the inactivity fee when I opened the account
04/28/2015 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • FL
  • 33071
Web
I deposited to my account {$500.00} via my iphone on XXXX/XXXX/2015 on XXXX/XXXX/XXXX my deposit was to clear. A check came in for XXXX and the bank decided to pay the check XXXX, then charge me {$36.00} OD fee, then release my Funds instead of releasing my funds XXXX then pay the XXXX check. I contacted the BB & T was told told that they do not have to release funds XXXX I should have made sure I have enough funds to cover my checks. Other banks I bank at when I do check deposit by iphone, they make the monies available up to the XXXXt {$1000.00}. This bank takes as much days as a counter deposit, if not more.
12/06/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • NC
  • 28031
Web
I tried to deposit a XXXX dollar check from XXXX with my mobile app. I did this twice and was told each time that I exceeded my deposit limit for the day. I finally drove to the bank and I deposited the check into the atm machine. After my deposit my account was positive XXXX dollars. At XXXX XXXX I checked my balance again to find the screen shot below. When I called the bank 3 times no one there could tell me what was happening??? This is thievery as far as Im concerned! I want this bank to credit my XXXX dollars immediately and I do not want to sustain any fees? This is an outrage and it should be illegal!
09/26/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • FL
  • 33322
Web
I have a check that I wrote to a vendor on Friday afternoon after XXXX XXXX and the Monday before that I had deposited a check that was returned and I learned from that on Saturday Morning. I went to deposit cash for the negative balance and to cover the check. Monday the check is presented and they charged me an overdraft having cash in the bank? according to the bank the cash is not available right away? in another distance also this bank put a deposit on hold over 2 weeks. What would they take 2 weeks to have funds available. I think this bank is abusing the customer and taking advantage and needs to stop.
02/14/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • NY
  • 11434
Web
While reviewing my XXXX credit report, I noticed an unauthorized and fraudulent inquiries initiated by BB & T Dealer Finance on XXXX XXXX. I did not authorize any employee of BB & T to review my credit report at any time. This action is innclear violation of my FRCA and Privacy Acts. I had requested that BB & T provide me with any documentation to validate this inquiries within 5 business days and they have failed to do so. I am requesting that these adverse information be permanently deleted from my credit profile as they have resulted in my inability to secure an employment or housing and obtain new credit.
12/15/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33884
Web
On XX/XX/2018, Regional Acc. pulled my credit report without my permission. I tried and tried to resolve this issue with XXXX and Regional Acc. but they are blaming each other but not resolving the issue of removing the inquiry. The dealership also tried to reach out to them about this unauthorized inquiry but they never responded. Attached is a copy of the letter from the dealership stating that the unauthorized inquiry is done without my permission. They allowed one of my family member fill out a application with my name, social security number and date of birth without my authorization and Driver License.
03/02/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • OH
  • 452XX
Web Older American
XXXX XXXX XXXX reported on my inquiry XX/XX/17 on my XXXX I did not apply to this creditor nor give authorization. I called both creditor and XXXX to have it removed from my inquiry no action was taken. XXXX XXXX reported on my inquiry XX/XX/17 on XXXX again I did not apply with this creditor nor give authorization. Called creditor and XXXX to have it removed from my inquiry no action taken. XXXX XXXX this was reported on my inquiry twice same day XX/XX/17 on XXXX and XXXX. Did not apply to this creditor nor authorize for credit. Called XXXX XXXX and XXXX and XXXX XXXX XXXX XXXX removed no action taken.
07/25/2019 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • TX
  • 758XX
Web
I recorded Regional Acceptance Corporation 's abusive phone calls to me. Fri, XX/XX/2016, XXXX XXXX to me First Threat Call Since Predatory Loan, my fighting it and being charged off. The above listed is the e mail storage of the second round of calls and my notation. The first round of calls and my confronting them with the fact that " at XXXX per call that I could continue to record them and use that to pay the car off '', was the reason that management agreed to let me make " good faith " payments in the first instance. The company responded deceptively regarding this in an earlier response to CFPB.
10/05/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30340
Web
XXXX XXXX is updating an account on my credit profile every month on an amount that is not owed to them. They are saying that I have a balance of $ 7000+ when I do not owe this company anything. I never received a notice of deficiency from the sale of a car that was repossessed. No notices was sent to me regarding this information. I have request proof of these notices and this company will not comply. This balance should not be reported to the credit bureaus. They also go into the account and report it every month to the credit bureaus so that it appears as a new account. They have very unfair practices.
01/28/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • PA
  • 17325
Web
In XX/XX/2018 I contacted BB & T to see why PMI was not removed from my mortgage. They responded and said that I did not qualify for removal. When I refinanced through them, they indicated that they would use the original appraisal amount of the house since the original mortgage had not been that long ago. No new appraisal was required. When I made this inquiry they said the value of my house was {$100000.00} less than the appraised value. This was done randomly as they conducted no appraisal or evaluation of the property. Since they fraudulently devalued my house by {$100000.00} PMI couldn't be removed.
06/21/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • GA
  • 30238
Web
XX/XX/XXXX in the amount of XXXX on a car loan. My car payments was paid on time every month. My car was total out due to an accident back in XX/XX/XXXX. The insurance company paid out to regional acceptance Corp and gap insurance paid off the remaining balance owe on vehicle. Company stating that I still owe them a balance of XXXX I do not owe the company anything. I request this company to remove this item off my credit report, because they has no proof that I owe them or I will proceed to seek legal actions in the future for trying to over charge me for a vehicle that was paid off and I no longer own
12/19/2017 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • MD
  • XXXXX
Web
The branch manager put a false fraud alert on our account because she got mad at me for stating to management I did not like the way she talked to me and embarrassed me. She retaliated and said she will fix me and put a fraud alert on my account which froze revenue and held all my revenue. They have held all funds for over 30 with no resolution this is wrong and I do n't want my funds held any longer. I want them to release my funds and close these accounts and I never will bank or refer anyone to them ever again. This bank is BB & T Bank XXXX XXXX XXXX. XXXX MD XXXX XXXX XXXX XXXX is our account name
01/30/2020 Yes
  • Mortgage
  • Other type of mortgage
  • Closing on a mortgage
  • NC
  • 27520
Web
I closed on my home in 2015. I was recently told about the MCC option to file on my taxes for the life of the loan. My lender never offered this option to me, and I would have gotten an additional tax refund of over {$1300.00} this year alone if it would have been added. I reached out to my lender, and she stated I am unable to add it after the fact, but I do not feel this is fair as I was never given the opportunity initially. I am a single mom and this type of money would have helped me so much and I am so disappointed. Mortgage through USDA, payment comes from BB & T, loan officer XXXX XXXX XXXX
07/07/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • TX
  • 754XX
Web
I had a installment loan with Sheffield Financial and I paid it off in XX/XX/XXXX I have been waiting for a title, and was told many times by Sheffield that the title was sent to the bank that sent them the check to pay it off, now Sheffield can not find the title and it still shows at XX/XX/XXXX credit that I still owe XXXX and have not made a payment since XX/XX/XXXX but Sheffield states I have made all my payments and the loan is closed and they sent the title in error to XXXX bank. now I cant do anything but wait and here it is XX/XX/XXXX and I still cant sell the vehicle since I have no title.
11/11/2018 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Bounced checks or returned payments
  • VA
  • 22204
Web
On XX/XX/2018, company charged a total of {$100.00} for two returned item fees and an NSF fee. In attempting to learn why, BB & T informed me that two items were returned and because of the returned item fee brought my account negative, a NSF fee was assessed. Also, through my messages with BB & T, I learned that the two returned items were unauthorized attempts to withdraw monies from my account. I attempted to explain this to BB & T and they allege that these are recurring withdrawals from an external account. However, I can assure this agency that I do not have set up any recurring withdrawals.
02/27/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • VA
  • 22306
Web
On XX/XX/XXXX at XXXX. I made a deposit using cash app of XXXX. The deposit appeared in my BB & T account and then I heard reports on the news of a bank failure. I checked my account and I saw multiple over draft fees and that my transation was no where to be found. I checked with cash app and indeed they did transfer the money at XXXX. I personally saw the funds there. When contacting the bank, I was told that they have no record of the transaction. I have asked if they would like me to send them any records I have and they have refused to acknowledge that they ever had the credit to my account.
10/19/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • XXXXX
Web
these people keep claiming that i opened an account with them I NEVER opened an account i never signed anything anyone can sign my name to look like forgery again its fraud and there still refusing to remove this account at this time i filed a police report as my attorney stated and im giving you guys once final opportunity to delete this account from my name before i file a lawsuit against your bank BB & T and call for a national boycott of the XXXX XXXX XXXX XXXX XXXX against your bank and there willing to do that there email is XXXXXXXXXXXX and go public on XXXX im sick and tired of your crap!
04/16/2015 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • FL
  • 33174
Web Older American
my complaint is against BBT the bank I have a checking account ending on # XXXX, they are taken money without my authorization or permission to pay BBT Visa and unsecured line of credit, I notified them, I 'm extremely ill and I need to declare bankruptcy I notified them by XXXX XXXXmail and letters still they wait for my social security to come throught to take the money out, when I was not ill I used to make payments on a monthly badsis at the bank, now that I 'm deckaring bankruptcy they are taken the money to pay the XXXX VISA and unsecured Line of credit, I need my social security to live on
08/20/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • PA
  • 191XX
Web
I got scammed 2 years ago which end up having BB & T bank closing my account and removing the remaining money i had. Then 2 weeks later someone try to cash a fraud check in a state which i never been. The bank flagged me to all other banks. Then the branch closed and later bought out by another bank. Now 2 years later i am trying to build my credit and open a account with a bank. And i am unable to do so. The newest bank manager said to get the information from the former bank about the situation. But the is impossible. I need that hard inquiry removed as i am a victim and being punished for it.
10/08/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • MD
  • 20770
Web
I submitted a contract in XXXX 2015 to purchase a new construction home. Shortly thereafter, my financing was approved. I am scheduled to close on my home on XXXX XXXX, however, when my mortgage company needed to recheck my credit last week, they found that the automobile loan that I had co-signed for was 3-months past due. However, the lender never contacted me when the loan was 1-month past due when I am the co-signer/owner of that vehicle. This issue could have been resolved without this damaging my credit and lowering my credit score prior to closing on my new home as a first-time homebuyer.
07/25/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Application, originator, mortgage broker
  • DC
  • 200XX
Web
I am writing to express my dissatisfaction with the service provided by BB & T during the course of my application for and obtainment of a mortgage loan for my first home purchase. Specifically, I am making this complaint regarding the actions of XXXX XXXX, XXXX XXXX, and XXXX XXXX, all of whom worked on my loan application at various points. Please see attached a complete timeline of events that occurred between my initial inquiry on XXXX XXXX, 2015 and completion of the lending process on XXXX XXXX, 2015 - as well as my request for remedy based on the repeated errors and failures of BB & T.
01/27/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • SC
  • 29115
Web
Every time i send in a 2 or 3 payment in advance bbt credit card company take the payment both payment cash but only applied one to balance..this has happen to me 3 times.so on the third time i called the credit card company bbt and the noted on the account that 2 payment coming in.they cash both check but only applied one to my balance.call bbt they ask me to get copy of both checks.they see that i paid 2 check but fail to correct problem.that why i called to let them know 2 payment was sent in.they even noted to account but still cash both and only applied one .so im reporting them to cfpb.
01/19/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • TX
  • 78213
Web
This is reference to regional acceptance corporation. I have been constantly lied to by this company. I asked them what the amount was that I owed to bring the account current and so I won't get assessed late fees they have given me so many incorrect amounts I go good for 4 month and then they turn around and say I owe late fees or certain hidden fees that I was never made aware of my payments have always been on time have always been met and they are tacking on all these additional fees and they are not willing to wave any of them or explain in a defenate answer what they are in relation too.
04/10/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • VA
  • 242XX
Web
Around XX/XX/2017 I filed bankruptcy on all my debt excluding my current auto loan with BB & T, However my credit report ( XXXX ) shows that car was included in bankruptcy. I have continued to make car payment on time. I still can log into BB & T account online which shows payment due, payment paid, interest amount taken, but statements stop on the online account around time of bankruptcy. I have only recently noticed this when I applied for a credit account at my bank. I logged into my BB & T account and sent email to customer service concerning this issue and have not received any response.
09/15/2017 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • NC
  • 286XX
Web Older American
Hi my name is XXXX XXXX. I bank with bbt XXXX NC. My savings account was overdrawn by almost XXXX dollars. Well my XXXX check went in on XXXX XXXX next morning my card was XXXX. I called the bank the lady said she would unfreeze it ok cool.well.well the next day they took the XXXX and left me with almost nothing. My check was for XXXX. She did n't say there was a possibility there going to take that amount. Now I ca n't make my house payment. At least waive the fees or take half this month and the rest next month. Or split the difference all together. Thanks, very concerned citizen. XXXX XXXX
09/30/2016 Yes
  • Credit card
  • Rewards
  • AL
  • 35007
Web
My credit card account was closed due to inactivity. I was not notified this would be happening. I have/had {$610.00} in rewards associated with the account and now they are saying since the account was closed they are forfeited. I feel this is an unfair business practice since I had been a good customer and earned rewards for my purchases. They should have notified me that my account would be closed for inactivity. Had I known, I would have claimed my rewards and possibly used the account to keep it open. At this point, I would like to claim the rewards that I had earned which was {$610.00}.
07/14/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • PA
  • 18020
Web
The lender repossessed my vehicle at XXXX months past due. This seems egregious, as I 'm on XXXX XXXX, and under medical care. This makes communication extremely difficult. The repossession charge makes it impossible to redeem the vehicle and the lender has shown no willingness to work with me regarding that. This is a hasty reposession and unneeded as I had been paying each month and had not exceeded XXXX days past due. I want to redeems vehicle, and think the hasty actions of the lender make redemption with the added costs unbearable. This is discriminatory and predatory lending practices.
04/27/2016 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • NC
  • 27360
Web
I believe that I was charged an overdraft fee by BB & T when my account had the funds to cover the charges made. I made a purchase on XXXX, XXXX transactions on XXXX, and XXXX transactions on the XXXX. When I made the purchases on the XXXX and XXXX, I had the funds in my account to cover these purchases. As of XXXX, the transactions made on the XXXX and on the XXXX moved to posted ; meanwhile, the transactions made on XXXX were still pending. BB & T charged me XXXX separate overdraft fees of {$36.00}. XXXX overdraft fee for each purchase : the transactions made on XXXX and the XXXX on XXXX.
11/22/2015 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • MD
  • 20850
Web
Currently I bank with BB & T. I have had multiple issues with this bank. First issue I will like to bring attention to will be their false advertising. BB & T promotes that they are XXXX hours ( XXXX banking ) which is not true because if you deposit cash at the ATM after XXXX then it processes the next day. I complained to them about this because I think its unfair, but they said " its online banking that XXXX hrs ''. If thats the case, then why put it on the signs of BB & T. Also they charged me over draft fees, I did XXXX transactions that over drafted my account and they took XXXX fees.
07/10/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • FL
  • 33991
Web
I have an inquiry on my credit report dated X/XX/16, from XXXX XXXX XXXX, at XXXX XXXX Fire XXXX XXXX, XXXX, NC XXXX. I have not applied for any credit with them. I sent them a letter asking for the valid proof or please remove the inquiry.

they sent me back a generic letter that states, " this dispute relates to an inquiry or request for consumer report.

I called in to XXXX XXXX XXXX and spoke to XXXX XXXX XXXX XXXX, said if we show the inquiry it must have made an credit application.

They can not provide it or even be certain that I did actually apply, This needs to removed.

05/27/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • CT
  • 060XX
Web
ON XX/XX/2015 I purchased a XXXX XXXX. The price was {$20000.00}. Now that I reviewing the price because I can't afford it i realize that I owe {$28000.00}. I don't understand why I am paying interest and principle in advance. The numbers are way off. The place I purchased from is XXXX XXXX XXXX dealership in XXXX CT. My ARP is 14.95 percent I think I am being cheated. The reason I mentioned this, is why do i have to pay principle and interest on a car that I want to sell back to them for the total amount that includes principle and interest for the next several years? Is this legal?
11/09/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • CO
  • 80526
Web
I was the co-signer on a auto loan. The first party filed bankruptcy, I took over the payments. The company asked me to setup auto payments from my bank, but they put in the wrong information on the bank draft, used the first party 's name instead of my own, and my bank rejected two payments. They admitted to the mistakes, but refused to correct it or extend the missed payments because the first party filed bankruptcy. They want to re-possed the car. The missed payments were not my fault, in fact I contacted them several times asking for them to correct it before the payments were due.
01/30/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MD
  • XXXXX
Web
I was charged on five separate occasions in XX/XX/2018 for some special orders at XXXX XXXX. I filed a dispute about these fraudulent charges. Submitted more than enough evidence to show that the charges were fraudulent and BB & t determined after their very poor investigation, that I would not get any money back. This is a scam. BB & t must be working with XXXX to generate fake charges. I have since hired a lawyer and a lawyers have sent letters to BB & t and BB & t did not reply so my lawyers advised me to file a complaint on this site. I am out almost {$630.00}. Bb & t is horrible
09/28/2017 Yes
  • Checking or savings account
  • Savings account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • FL
  • 32808
Web
In XXXX I collected a security deposit from a tenant and opened a new account at BB & T as required by Florida Statute 83.49 and deposited the {$500.00} collected from the tenant. The account was an interest bearing account and I reported this to the tenant and advised that should the deposit be returned to him, it would be returned with interest. My tenant continues to occupy the property so the deposit has not been withdrawn. I received a statement from BB & T charging an inactive fee on XXXX/XXXX/XXXX in the amount of {$7.00}. Also the statement shows a prior balance of {$430.00}.
08/24/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • FL
  • 33160
Web
Dear Regional Acceptance, I included the following documents : RAC Payment Admin - EZPAY - Phone Payment Confirmation Notice # XXXX am disputing a missed payment currently reflected on my credit reports ( attached ). On XXXX XXXX, 2014, I made an EZPAY Phone payment on my account in the amount of {$470.00} Confirmation # XXXX. However, in XXXX of 2014, my account was reported to the XXXX major credit bureaus missing ( XXXX ) payment. Please see the attached confirmation and please report to the XXXX major credit bureaus ACCURATELY as NO MISSED PAYMENTS since inception of the loan.
07/18/2018 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • NC
  • XXXXX
Web Servicemember
I tried to close my account with BBT and they refused. They want to keep the account open and continue to charge me {$12.00} per month for having an account with them. Four years ago ( XX/XX/2014 ) I deposited 2 checks for {$68.00} each signed over to me by the " pay to. '' Even though the checks cleared and BBT received the funds, BBT placed a hold on my account for the deposit stating that the " pay to '' on the checks had to sign again. The " pay to '' verified their identity with BBT several times but the hold remains to date. BBT has robbed me of a total of {$280.00} thus far.
10/18/2018 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Applying for a mortgage or refinancing an existing mortgage
  • PA
  • 195XX
Web
My wife and I went to the bank in BB & T in XXXX XXXX XXXX XXXX PA XXXX Last XX/XX/2018 we went to see if we could increase our line of credit HELOC account from {$80.00} to XXXX after waiting and calling we were approved after couple weeks we got the letter in the mail our HELOC interest rate went up from 4.25 % to 5.99 % .. what they did they close our HELOC account line of credit {$80000.00} without informing us.. and they open a new line of credit wich is 5.99 % .. the only reason that we ask the bank of our HELOC account to increase the amount from {$80000.00} to {$110000.00}
07/26/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • VA
  • 23322
Web Servicemember
I opened an account at BB & T bank in order to be able to manage my social security banking. I was sent an official check but the Treasury Department and my check was put on hold for over a week. They said its because I have a new account but I tried to make a deposit at the atm and my account has been frozen until the hold is taken off of my account. I have been in contact with the bank and each time I try to fix it the situation seems to become worse for me. This company is holding my funds hostage and its a shame. Im am on XXXX and the stress of all of this has become too much.
03/23/2017 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • PA
  • 182XX
Web Older American
On XX/XX/2017 account # XXXX was closed by BB & T. This was done without my knowledge or consent. I received a letter from BB & T on XX/XX/2017 explaining that they were going to close account # XXXX. The letter dated XX/XX/XXXX did not arrive at my door until XX/XX/2017 explaining that I had seven days to bring the account current. It did not mention account # XXXX that was in good standing with {$0.00} balance after a XXXX from BB & T illegally and without court order removed {$400.00} from this account. I believe that the closure of this account was meant as harassment by XXXX.
02/27/2016 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • TN
  • 378XX
Web
On XXXX XXXX, 2016 XXXX XXXX walk into BB & T in XXXX Tennessee, she with drawer XXXX from the bank. She ask for a refund on our account and ask for the account to be closed. The teller told her, she would checking to it. No one had called. We assume the account was closed. In XXXX XXXX, we found out the account was not closed, and because I am on my uncle account, BB & T withdrawer XXXX from my uncle account. After try to explain to BB & T that we wanted our account closed and no one should have had access to the account. They said their is nothing they can do. It all bank fee,
08/05/2016 Yes
  • Credit card
  • Transaction issue
  • DC
  • 20002
Web
XX/XX/XXXX BB & T Bank XXXX XXXX XXXX XXXX, NC XXXX XXXX : XXXX XXXX Credit Card account SS # XXXX, DOB XX/XX/XXXX This letter is a formal complaint that you are reporting inaccurate credit information to all XXXX credit bureaus. I have made many attempts requesting that you correct this with no response from BB & T. 1. I 'm requesting that you remove all 30 day late payments this was a bank error. 2. Please contact the branch that handles my accounts the payments were set up on auto draft. 3. Your contact person is XXXX XXXX located at BB & T XXXX her direct number is XXXX.
05/26/2016 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • TX
  • 75019
Web
BB & T has been charging me excessive overdraft fees since I opened my account. Recently, I had XXXX item overdraft from XXXX for {$75.00}, and I was charged XXXX consecutive overdraft fees the day of and XXXX additional overdraft fee they next day. When I called to ask why and for the extra fees removed, they gave me some ambiguous explanation and banking jargon as to why they charged it. I had money for all my other pending transactions, but they structured it in a way to charge me maximum overdrafts. I am very upset, and this is not the first time they have done this to me.
12/08/2015 Yes
  • Bank account or service
  • Savings account
  • Account opening, closing, or management
  • VA
  • 20169
Web
After the financial institution closed my savings account which was used a overdraft protection, charged me enormous amounts in returned item fees - they transferred all the monies that were in the Savings account to checking. If this action was taken before all the fees were incurred, I would not have been charged {$280.00} returned item fees. This is clearly poor accounting procedures. This also proves the bank 's action were for capital gain only. The bank has yet to prove the Savings account that was closed exceed the XXXX per month transaction by law on a habitual basis.
04/04/2019 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • FL
  • 33141
Web
Hello, After my debit card was many times blocked due to suspicious activity I decided to close my account. I call to the bank and they told me I would have to go to the Branch, after visiting the branch I was told that my account will be closed and I will get the check by mail after the pending transactions posted into my account. After 3 weeks nothing happened, I don't have an online access to my bank anymore, but when I call the bank automatic service I can verify that bank account is still open and the money is there. It seem the bank doesn't want to give my money back!
11/27/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • MI
  • 48089
Web
On XXXX, I emailed a letter to Regional Acceptance telling them to stop calling my place of employment. I followed up with a phone call stating the same. I was told that my work telephone number would be removed from their system. I provided XXXX alternative phone numbers to reach me. Regional Acceptance continues to ignore several requests made by me. " XXXX '' a Regional Acceptance employee called my employer in an attempt to reach me on XX/XX/XXXX. I have a copy of the email I sent and a recording of the last phone call received after the company was told to stop calling.
03/14/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • TX
  • 75028
Web Servicemember
I went to a restaurant XXXX, they charged my debit card twice once for XXXX and again right after for XXXX. That XXXX over drew my account and the bank charged me almost XXXX dollars worth of fees. They told me to wait til the charge drops off cause it was pending and they would get those fees taken off. They aRe now saying they can only do half of those charges back to me. This is ridiculous my account wouldn't be over drawn if it wasnt for a charge I didnt do and their fees. I should get all of those fees back and a chance to bring the balance positive before I'm charged.
07/18/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • PA
  • 182XX
Web
I recently submitted a complaint in regards to late payments reported on my credit after a XXXX modification. I have since received notification the late payments would be removed which we are thankful for. Now I check my credit and the BB & T mortgage which should be our current mortgage provider is now marked as closed and the late payments are still showing. The XXXX mortgage has been closed and the late payments removed-this is accurate. Then there is a XXXX XXXX Mortgage showing Open-Current, but also has the late payments. Can you assist me with fixing this. thank you
10/24/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • NC
  • 28590
Web
They use terrible practices when trying to collect pass due payments. You advise them about paying the past due amount and they tell you " no you owe me double the amount '' but my next payment will not be due at that present time. They leave unprofessional voice messages and threatening messages, they sent emails to my job after I told them not to contact me at my job. I choose not to speak them because they are not willing to help. They have employees trying to hit there monthly numbers regardless what it takes. I will seek an attorney for these unprofessional practices.
07/18/2015 Yes
  • Debt collection
  • Auto
  • Taking/threatening an illegal action
  • Seized/Attempted to seize property
  • PA
  • 18020
Web
Sent tow truck onto private property to reposess car. Tow truck driver acted on behalf of Susquehanna by advising me of an incorrect amount I needed to pay to get my car back. Tow truck driver acted on behalf of Susquehanna by telling me he could not leave property without taking car. Susquehanna violated their own policy by repossessing car after only XXXX payments missed. Susquehanna collection department employee, XXXX XXXX, tried to discourage me from pursuing further action ( eg complaint, bankruptcy ) while offering no assistance in helping me rectify situation.
06/01/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • SC
  • 29687
Web
In XXXX o f 2017, I appl ied to get my home refinanced. My house was appraised for {$130000.00} but my de bt - income ratio was too high. I paid off a sifnicant portion my debt and reapplied to refinance my house with BB & T, XXXX XXXX in S C : BB & T is my current mortagge holder. I was told my debt income is ok but I needed to do another appraisal. They appraised my house in XXXX 2017 and I am told it was appraised for {$120000.00}. They denied the loan based on new appraisal. They are refusing to send me a copy of appraisal even after several requests.
02/23/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • WV
  • XXXXX
Web Older American, Servicemember
XX/XX/XXXX XXXX XXXX XXXX XXXX DEBIT CARD PURCHASE On XX/XX/XXXX ... I ordered a $ XXXX-Flashlight ( XXXX XXXX ), ON SALE! using my Debit Card ( checking acct. ending in XXXX. HOWEVER, on XX/XX/XXXX ... XXXX XXXX XXXX XXXX DEBIT CARD PURCHASE POS * {$49.00}. *CHARGED my DEBIT CARD, ''again ''!! THAT WAS NOT AUTHORIZED, BY ME, AS I PAID IN FULL, FOR $ XXXX-ON XX/XX/XXXX. Please get my $ XXXX-BACK ... ( into my account at ''BB & T Bank '' ... I CONTACTED ''BB & T '' BANK, & THEY TOLD ME, THEY COULD NOT HELP ME ... which is now XXXX XXXX. Thanks, XXXX XXXX XXXX
04/30/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • TX
  • 75089
Web
I brought a car from XXXX XXXX in XXXX, Texas in XXXX, 2011 I found out my company had lost the contract at XXXX and I was GOING TO OUT OF WORK. I contacted the dealership and told them that I could not afford to pay for the car, they told me to contact the dealership. call Regional Acceptance CO a week after I brought the car and tried to explain to them my dilemma. They tried to talk me into keeping the car, and finally decided to come to my home and pick it up. I will be a first time home buyer and thgis is stopping me from purchasing a home. CAN YOU PLEASE HELP ME?
12/10/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • TX
  • 75204
Web
My payment was {$540.00} a month was never late not once. I would go online and always make my payment for {$540.00}. Then out of no where BB & T said I didnt have insurance which I have had for 4 years.. Then add {$30.00} a month to the loan and I made my payment online it said {$540.00} due not XXXX.. long story short they called me 2 months later saying I was late by {$60.00} ... How did this even make sense?? I have 5 car autos and never been late Now im trying to get a house for my family and I cant over this.. Lawyer is involved also!! Please fix this thank you
08/28/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • PA
  • 17315
Web
I got on behind in payments in XX/XX/2017. I am being charged all kind of fees and i dont know what they are for.They say they have a 3rd party coming to the house every month to see if i am living here. There is a {$15.00} fee for that. I have no proof they were here. And they wont tell me who it is. I signed a paper to have payments owed to be added on to my loan. I was to start out fresh in XX/XX/XXXX. Now they are adding on late charges and fees again. I havent been late. They keep telling me they will check it out but I never hear from them all they do is lie.
02/22/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Credit decision / Underwriting
  • IL
  • 60630
Web Older American
THE ECONOMIC TURN DOWN DROPPED OUR PROPERTYS VALUE BY OVER XXXX %. WE ARE UPSIDE DOWN. OUR LOAN WAS BOOK AT XXXX % AS A XXXX DUE TO OUR FINANCIAL STRENGTH. WE HAVE NEVER PAID ANYONE LATE, NEVER. BB & T HAS BEEN CONTACTED SEVERAL TIMES ASKING FOR A LOAN MODIFICATION. WE DO NOT QUALIFY AS WE PAY ON TIME. BB & T WAS ASKED WHAT PROGRAM THEY HAD TO HELP PEOPLE IN OUR POSITION XXXX YEARS AGO. WE WERE TOLD SOMETHING WAS IN THE WORKS BUT NO PROGRAM HAS BEEN ANNOUNCED. A SECOND MORTGAGE COMPLICATES THE ISSUE AS XXXX WILL ONLY SUBORDINATE IF THE NUMBERS WORK AND OURS DO NOT.
02/03/2017 Yes
  • Mortgage
  • Home equity loan or line of credit
  • Loan modification,collection,foreclosure
  • FL
  • 334XX
Web
First mortgage with XXXX is current. BB+T is forcloseing on a HELOC, and I have prodigy reality representing me at this time. Bb+ t has a value of {$310000.00}, after over XXXX showings, no one is coming to the minimum threshold sale price of {$300000.00}. I would respectfully request bb+ t, to order an independent appraisal, and based on the results, potentially lower net amount amount bb+ t will accept, or modify my our HELOC. It was never our intention to loose our home. We love living here. XXXX Is our mitigation specialist. Cell XXXX. XXXX, Florida XXXX
03/21/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • PA
  • 17111
Web
I received a call in XX/XX/XXXX from my mortgage company, claiming I did n't make a payment, however I was able to show proof that the payment was made and an investigation within the bank was initiated. Over the weekend I received another call claiming that my mortgage payment for XX/XX/XXXX was past due, and had to explain that an investigation was already underway. From what the representative told me on the phone, she shows that all payments have been received, and not sure why there is an issue, and that my " late '' payments are now impacting my credit score.
10/16/2015 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • MD
  • 21224
Web
I have not opted-in to overdraft protection wherein my bank ( BB & T ) will advance funds on my behalf, should my account balance fall below zero. For years, my savings account has been linked to my checking account for an alternative to overdraft protection, however. Recently, I noticed that I was being charged a {$12.00} " Miscellaneous Debit '' for BB & T to transfer my own money from my savings account to my checking account upon a low balance. This " Miscellaneous Debit '' is charged per transfer, very similarly to an Overdraft Fee XXXX just not {$35.00} XXXX.
06/05/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • AL
  • 351XX
Web
Pending transaction on XX/XX/19 that hasn't even cleared yet caused two overdraft charges in the amount of {$72.00}. The charge is still pending but two overdraft charges POSTED before that charge. I have a pending deposit today that would cover that pending charge but they have gone ahead and charged me {$72.00} to ensure they get their money. It is not right. They are taking advantage of people who are already struggling. I attempted to resolve with XXXX but she told me that's just the way they post things and I could close my account if I had a problem with it.
01/09/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • PA
  • 17036
Web
My loan home loan for my primary ( only ) home is through BB & T, and secured by XXXX XXXX, and has PMI. I have had the loan for about 6 months and have now paid more than 20 % off. I requested in writing they cancel/terminate my PMI, but they responded that I could not do so since my loan did not have 24 months of payment history ( quoting the Homeowners Protection Act, some protection eh? ). I believe they are in error and should cancel/terminate my PMI as requested. Please assist me in resolving this issue. Thank You XXXX http : //www.consumerfinance.govXXXX
02/07/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • WV
  • 253XX
Web
On XX/XX/2019 I was present during the opening of a business checking account at BBT. The account manager talked to us about their new credit cards and asked if we would like to get a credit card along with the new checking account for our business. We told her we would consider it late but then days later I noticed not one, but two credit pulls on XX/XX/2019 and XX/XX/2019 by BBT. I called and asked them to remove the inquiries as we did not apply for any credit cards. They told me they were removed, but on review of my credit report the inquiries still remain.
08/01/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • UT
  • 84043
Web Servicemember
MY ISSUE IS WITH REGIONAL ACCEPTANCE CORPORATION ( RAC ) BASED IN XXXX NC. THIS IS AN AUTO LOAN BUSINESS. I DONT HAVE ANY CONTRACT OR AGREEMENT WITH THIS COMPANY. I MADE A CAR PAYMENT FOR A FAMILY FIREND AND ( RAC ) KEPT MY DEBIT CARD INFO AND TOOK OUT MONEY AGAIN A FEW WEEKS LATER WITHOUT MY AUTHORIZATION OR KNOWLEDGE. I HAVE CALLED THEM SEVERAL TIMES AND THEIR CUSTOMER SERVICE HAS TOLD ME SORRY CANT DO NOTHING FOR YOU. DATE OF CHARGE XX/XX/2019 {$470.00} PLUS {$25.00} OVERDRAFT FEE FROM MY BANK AND NOW MY BANK ACCT IS ALMOST NEGATIVE XXXX THANKS TO ( RAC )
05/24/2018 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • VA
  • 240XX
Web Older American
I attempted to send {$300.00} to my son via XXXX on XX/XX/XXXX. I used my smart phone and sent the funds to his cell via text. My son only has one number listed in my smartphone phonebook. The transaction went through and the funds were immediately withdrawn from my account. On XX/XX/XXXX I discovered that my son never received the money. I filed a complaint with my bank. A claim was investigated and I was informed today that my request for reimbursement was being denied. The recipients financial institution will not return the funds and neither will my bank.
12/08/2015 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • VA
  • 20169
Web
The bank is continuously charging me fees - whereas the overdraft protection was to thwart such activity. I am being told my savings account is closed, yet a {$500.00} deposit was made on XXXX XXXX, 2015 and retained by the bank. there are still monies in the savings account which was used to assist with possible overdrafts ; needless to say the bank is telling me I have to come in and close the account. I was charged {$140.00} for returned item fee and I am not sure what the expense was causing further financial chaos -personally. Refer to Case number : XXXX
08/08/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 77584
Web Older American
I signed up for automatic payments to be deducted from my bank account. I received a confirmation email on XX/XX/18 that this had been established and nothing else would be necessary. Some time later ( in XX/XX/XXXX ) I found out that the XX/XX/XXXX and XX/XX/XXXX payments had not been withdrawn and that my account was delinquent. I made both payments at that time. My credit report now shows missed payments with a significant impact on my credit score. When I contacted the bank they suggested I send a letter to a P.O. explaining the problem. Which I did.
11/05/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NC
  • 273XX
Web Servicemember
On XXXX XXXX, 2017, the company placed an inquiry on my credit file with XXXX. I have attempted to get this removed by contacting both the company and the Credit Reporting Agency. BB & T has stated in writing that the inquiry was the result of a credit application from an automotive dealership. The only problem, which I have explained countless times, is that I did not fill out an application with that dealership on the date in question. Had they checked, they would see that my signature is not present on any application used to access my file on that date.
09/19/2017 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • WV
  • 25404
Web Servicemember
An ACH transfer from another account was delayed/reordered to result in an overdraft fee from a check. According to the online banking information the transfer shows as pending Tuesday XXXX, and according to the sending institution was completed by sending institution on Monday XXXX. Also, a positive available balance is shown on the account and multiple debit transactions were allowed on XXXX even though overdraft is not authorized, which also supports the accusation that transfer was intentionally delayed or reordered to generate an overdraft on the check.
12/28/2015 Yes
  • Bank account or service
  • Other bank product/service
  • Account opening, closing, or management
  • FL
  • 33180
Web
This is a complaint against Branch Banking & Trust, to request removal of my XXXX credit report dated XXXX/XXXX/2015. This inquiry to my credit was not authorized by me, has been without my authorization, I do not have any product or relationship with you, no Loans product, therefore I make this request to immediately remove this inquirie that aparace in my report and that affects my score negatively, and request adhere to the laws of fair credit and stir to eliminate an error that is not mine and never authorized, I appreciate your prompt help to my request
01/15/2016 Yes
  • Consumer Loan
  • Pawn loan
  • Can't contact lender
  • PA
  • 155XX
Web Older American
Line of credit loan. Will not or can not send invoice. When I contact bank they all tell me different reasons. If I do not remember and do not send loan payment in time they will charge me. Some months I get invoice some I do not. Blame it on recent merger with B B & T Bank. Happened before the merger also. Tired of calling. They need to be responsible enough to send invoice and not make me call each month. They also tell me different places to send it. Also not very pleasant when I call either. Please do something. Tired of banks doing what ever they want.
05/11/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 07753
Web
I purchased a vehicle in XXXX of 2018 and acquired a loan through BB & T. After noticing a {$2500.00} warranty was added to my contract that, I did not want, I contacted the dealership and they deducted the {$2500.00} warranty cost off my contract and resubmitted the loan information to BB & T. My credit report now shows that I have two open vehicle loan accounts with BB & T : The original loan for {$35000.00} that should have been voided. And the current loan that has a balance of {$29000.00}, which is the correct loan that I am currently paying off.
10/09/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • TX
  • 75019
Web
BBT frequently blocks access to my account and prevents me from taking money from my account under the pretense of security. Each time they put a block they asked that I step inside a branch with 2 forms of ID and then have to go through the excruciating process of sitting down with a banker and then call the fraud dept which has a 30-45 min hold. I had already stepped in the branch 2 weeks ago and now they are asking that I do that again - because I had submitted a bill pay. It is shameful that they hold customer funds this way under a security pretense.
06/01/2016 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • FL
  • XXXXX
Web
On or about XXXX XXXX, 2016 a Complaint was filed against BB & T with Case # XXXX. As of today my requests were either delayed, denied and or flat our ignored. There is still a total of XXXX deposits that are " MISSING '' from the account in question. The Deposits total an amount of {$2100.00} and was given to the bank or about XXXX XXXX. As of today the money is still not available and not showing in account, even though Banking Institution have the funds. This banks continues to inflate and or " COOK '' the books. Where is the stolen and or Lost funds?
03/24/2015 Yes
  • Bank account or service
  • Checking account
  • Using a debit or ATM card
  • VA
  • 238XX
Web
My daughters account keeps on getting charged an overdraft fee on her account. They claim when Internet transaction is made it is not debit the day of the transaction. They also state that the merchant has up to XXXX days to submit there debit to get paid. The bank never puts a hold on the transaction and subsequently charges an overdraft fee. They also say that they ca n't tell me who the Internet transaction is from until it is completed. When I complained that XXXX was unauthorized to debit the account they took there time to investigate RIDICULOUS.
06/24/2018 Yes
  • Money transfer, virtual currency, or money service
  • International money transfer
  • Fraud or scam
  • CA
  • 92504
Web Older American
XX/XX/XXXX thru XX/XX/XXXX BB & T bank received wire from international correspondent bank in XX/XX/XXXX. Since then numerous fees in the amount of $ 97,000.00+ have been requested via email to be paid for release of beneficury funds. These monies are asked to be sent to XXXX XXXX & XXXX and business accounts. upon research business are all small and varied states. All emails come from BB & T board members emails. Another person contacted me as he too complained of the same problems with his wire from same correspondent international bank to BB & T.
10/17/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • MD
  • 20705
Web
I filed bankruptcy and XXXX XXXX XXXX has added additional interest and late fees to this account. The amount listed on the bankruptcy was XXXX but they are telling that I must pay {$14000.00} and every day that I 'm late I will be charged {$7.00} per day. I had this car since XX/XX/XXXX and the loan was for 7 years which means this car should have been paid for in XX/XX/XXXX. I also requested a validation of debt and they have not been able to provide this to me. I 'm not sure why I 'm being charged all these fees when the bankruptcy was discharged.
02/28/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • WI
  • 53206
Web
I have a vehicle loan thru XXXX. Being laid off from job, I was told that they do not refinance and i would have to find a finance company that will refinance. but due to the high interest, i owe {$13000.00} over the blue book value of the car and still not employed no one will finance the car. XXXX were nice to give me a deferment in XXXX till XXXX. However, since XXXX, I have called, left several messages and talk to representatives to be told I would be called back regarding the surrendering my vehicle process. I dont know what to do, can you help?
04/25/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • FL
  • 34983
Web
I have been behind in my mortgage 2 - 3 months on occasion due to lack of income. I have several times requested loss mitigation help. I just need to have 1 or 2 payments deferred to the end of the loan so I can get caught up with my loan payments. They will not help me. I 'm not sure why they would not help me and just want me to continue to be behind instead of deferring the payments. WHY would they want me to continue to struggle and be behind? I need help and hope you can help me to get back on track with my mortgage payment. Thank you XXXX XXXX
09/11/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AL
  • XXXXX
Web
I filed a complaint against XXXX XXXX because they were incorrectly reporting to the credit bureau. Their response was a copy of my payment history which was not what my complaint was. I did a volunteer surrender in XX/XX/2016 of my vehicle. Since then XXXX XXXX have sold the vehicle, which they did not provide me a copy of the sale. In addition XXXX XXXX did a write off for a loss with the department of XXXX. Upon further research I learned that since XXXX XXXX was able to use my account as loss they should not be reporting to the credit bureaus.
01/11/2018 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Struggling to pay mortgage
  • FL
  • 331XX
Web
I got a line of credit through XXXX XXXX 10 years ago. I never missed a payment nor has it ever been difficult to make a payment. The new bank BB & T is demanding the full loan amount paid in full which I do n't have at this time. I 've made numerous attempts to try to refinance, restructure, or get a loan modification. The bank has made little to no effort to help me resolve this situation. As quick as they were to give the loan they should be as quick to help me resolve this. I do n't want to lose my house and will do what ever it takes to keep it.
11/27/2017 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Can't stop withdrawals from your account
  • VA
  • 22602
Web Servicemember
My account was overdrawn this week. That evening, I received an email from bank stating that I could incur charges on day 7 of being overdrawn. I made a cash deposit the next day. I then found out that they had already deducted {$100.00} in fees. They then began charging my account for several subsequent transactions which they claim put my account into a negative balance, totalling {$210.00}. One of the fees charged was for the institution 's own $ XXXX monthly fee. I was unable to rectify the problem at my local branch or at the help phone number.
03/29/2016 Yes
  • Bank account or service
  • Checking account
  • Using a debit or ATM card
  • VA
  • 23453
Web Older American, Servicemember
I have been a client of BB & T Bank for over 15 years. As of XXXX XXXX, I have noticed numerous unusual charges to my XXXX Checking Account and fraudulent activity on my account and have asked the bank to assist with no help at all and continuous bank charges are being accessed on my account and I need some help in resolve and to recoup monies owed to me by my financial institution. Also please note XXXX XXXX the issued a chip security card with my old atm debit card number XXXX cards were active until XXXX XXXX. Claim # XXXX, XXXX, XXXX ( pending )
10/09/2017 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • TX
  • 77386
Web
I am a XXXX year checking account customer of BB & T Bank . On XXXX XXXX XXXX, BB & T changed my checking account to some sort " XXXX '' status without my consent and began churning my account for an excessive {$30.00} per month Junk Fee. I receive no benefit at all in exchange for this excessive Junk Fee. My account will continue to be churned by BB & T for an additional {$30.00} Junk Fee every month until I close this account. The attached picture shows that BB & T has already charged a {$30.00} fee, while paying only XXXX cents of interest.
10/30/2018 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • KY
  • 41042
Web
Our small payday lending business has been banking w/XXXX XXXX XXXX XXXX since they came to XXXX Kentucky market in 2015. They recently closed our checking, money market savings & affiliated Credit Card accounts providing no rationale except because they can. It appears this bank discontinuance action may be a residual of the " XXXX XXXX XXXX '' era of banking practices. Please review the attached detailed explanation letter I recently wrote to the FDIC, the Federal Reserve, and your interim Director as well as my state & Federal Legislators.
07/18/2018 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Called before 8am or after 9pm
  • KS
  • 67217
Web
Auto loan company called at XXXX I was in bed and thought it may have been my mom I answere the phone and the lady was calling to collect on our auto loan payment. I let her I would pay in three days and it's not 30 days late. She proceeded to try to harass me into making a payment I let her know I would make it. She kept insisting I make the payment now and I let her know it was late and after XXXX she didn't seem to really care and said she was just trying to collect payment. I let her know she isn't allowed to call after XXXX and so I hung up.
11/07/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 306XX
Web
I have been made aware XXXX XXXX at BB & T in XXXX, North Carolina created a profile for me without my consent. He used it to inquire about my finances/credit information for his personal. I have had a prior car loan with BB & T, but that was many years ago. Since that loan, I have had no contact with anyone, including XXXX XXXX, to ever create a consumer profile for me regarding ANY service from BB & T. I never requested any information regarding any type of loan and there was absolutely no reason for anyone at BB & T to access my information.
12/03/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • GA
  • 30319
Web
Product ordered XX/XX/XXXX - received incorrect product XX/XX/XXXX. Paid XXXX - item received valued ( by same site that valued original item ) at XXXX ( attached image of received item ). Disputed but denied based on the attached evidence ( doc1 ). Half of the pages are blank or entirely black. Seller also never provided valid shipping information. Same seller now has the SAME item listed as for sale. Seller also sent message boasting ( and admitting ) about successfully scamming me ( also attached, inappropriate language by seller ).
01/02/2020 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Fees charged for closing account
  • NJ
  • 088XX
Web
I spoke with XXXX ( BB & T corporate investigations ) on XX/XX/XXXX concerning a {$1000.00} wire transfer that came into my account. I now have realized I will suffer financial loss if this wire is reversed. This was fraud outside of my control and I do not give permission for BB & T to debit {$1000.00} from my account and wish to have my remaining funds in all accounts sent to me certified check. I have also consulted with my Lawyer concerning this matter and they will get involved if needed pending the outcome. XXXX XXXX XX/XX/XXXX
03/11/2018 Yes
  • Vehicle loan or lease
  • Lease
  • Incorrect information on your report
  • Account information incorrect
  • NJ
  • 08817
Web
I lease a XXXX XXXX XXXX and XXXX from XXXX. Upon checking my credit report, I noticed that there was a 30 day late reported inXX/XX/2017. This is inaccurate and it should be deleted. I have contacted the company recently and they responded that they were not going to delete the item. The account is current. This erroneous information is preventing me from obtaining credit. The company has writtten me regarding my lease trade in and I would like to trade in my car and lease another vehicle from them ... however I can not obtain credit.
11/16/2015 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • FL
  • 33172
Web
On XXXX/XXXX/2015 I made a deposit of {$100.00} into BB & T bank. Which at that time brought my account to a total of {$95.00}. Also on that same date there was a charge of {$28.00} and {$36.00} ( Over Draft Fee ). The reason for the fee according to BB & T is that they had to separate {$100.00} from my account to pay for a ATM with draw that did not happen till XXXX/XXXX/2015. By doing this they Over Drafted my account. And because of this, it caused a Dominions affect on my account where I have charged a total of {$320.00} in NFS fees.
10/24/2015 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • VA
  • XXXXX
Web
I have reason to believe my bank is structuring my transactions in a way that generates maximum overdraft fees. In the past three months, on at least XXXX occasions, I have been hit with as many as XXXX overdraft fees on transactions that could have been covered if the bank ordered them smallest-to-largest, or even if they took place in chronological order. The bank now wants me to switch to a savings account that would refuse to honor the purchases XXXX but which would mean I 'd receive fees from the company I was attempting to pay ).
02/15/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • VA
  • 22407
Web
Based on my research, the loan was established in XX/XX/XXXX and it was paid in full in XX/XX/XXXX, later receive a notice showing balance of {$620.00} of late fees, later we spoke to a rep in reference to that amount and as per discuss, If we pay {$260.00}, they will relinkgage the balance to zero and send us the title, as of this date today 's date on XX/XX/XXXX, We still have not receive the title until remaining alleged balance and interest charges still acrued. We would like to have this matter investigated and our title release.
11/26/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • TX
  • 77074
Web
To confirm this is to/for XXXX XXXX XXXX Vehicle was totalled. XXXX made the last payment. XXXX was slow to pay. I was effected by a natural disaster. XXXX said they were slow to pay because there were not enough adjusters in Texas. The last payment was late because of XXXX. Please correct the last payment as on time, as it was made by a third party, and not under my control. Had I made the payment, there would have been an over payment. Please correct last payment to read as on time. Also XXXX shows no late payments. Please correct.
06/03/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • SC
  • 29201
Web
I attempted to open an saving and checking account. Once the XXXX report was complete I was denied. I requested a copy of the report. The report indicates that Branch Banking and Trust reported account abuse on XX/XX/2018. The issue is that I have never opened an account with Branch Banking & Trust or BB & T. I would like to have this account verified in accordance to identity theft and or fraud regulations. Please remove this negative inaccurate information from my account. Thank you for the investigation and your time. Blessings
08/22/2017 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Called before 8am or after 9pm
  • IL
  • 60411
Web Servicemember
I obtained a loan with XXXX XXXX XXXX XXXX for a vehicle that has now since been totaled. After the vehicle was totaled I was left with a balance. I have been paying on the balance until recently I have experienced a loss of hours at work. I acknowledge the fact that a balance is owed. Roughly {$810.00}. Since XXXX 2017, At least 5 days a week I begin receiving call from this company starting at XXXX XXXX. and at least 10+ calls a day from them. The constant calling still has not produced extra hours nor generated income to pay them.
11/16/2016 Yes
  • Bank account or service
  • Checking account
  • Using a debit or ATM card
  • FL
  • 33612
Web
I encountered missing money in my account with a total of almost XXXX. My bank BBT has denied my dispute and are not even providing me with a temporary credit until they can investigate clearly without making assumption on why I could n't have prevented it. I informed them that someone close to me might have got ahold of my pin and was using the card at the same time. But they are not willing to look beyond and I am now suffering the lost of almost XXXX. I do n't know what Else to do now that I do n't have none of my savings anymore.
09/01/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • LA
  • 70131
Web
I asked the fiance company ( XXXX XXXX ) to reset my payment date from the ( XXXX ) to the end of the month when I bought the car ( 2016 XXXX XXXX ) My Job cut my hours to parttime 30 or less a pay period. This has caused my payments to be late if my due date was at the end of the month I can take both paychecks and have my full payment and paid on time but each Rep I talked to refuse to help me out now I three months behind on my not now Im in repo status I love my car and Im going to pay the note. Just need a lil help in doing so.
09/15/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • NJ
  • 07107
Web
I was stunned once I reviewed my XXXX, XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
09/05/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • NJ
  • 07107
Web
I was stunned once I reviewed my XXXX, XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
11/26/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • FL
  • 32825
Web
My available funds said I could transfer {$87.00}, so I did & my balance was XXXX after that. 2 days later, I have a {$36.00} overdraft fee and was told that I didn't have {$87.00} to transfer, that I only had {$80.00} so I overdrafted. Why would it let me transfer money that they say I didnt have? This is the second time this has happened, the first time they charged me 2 bounce fees. I am owed {$100.00} for fraudulent fees. I have gone as high up as the corporate office and they refuse to do anything. BB & T XXXX XXXX, XXXX, FL.
06/05/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • TN
  • 37174
Web
I had an XXXX XXXX with XXXX XXXX. They were taking daily payments from my account got XXXX. When I repeatedly told them that my business wasnt making money and to please stop, they continued to withdraw anyway, overdrawing my account. I filed a fraud claim with BB & T, and they have to provide me with proof that I authorized these withdrawals. But they denied my claim and still do not have the proof stating that I authorized these transactions. Yet, I do have proof in emails showing where I requested XXXX XXXX stop withdrawing.
02/10/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • NY
  • 10466
Web
We are becoming victims of dual tracking while under review. On Thursday XX/XX/2016, obtained order from Federal Judge referring us to the mortgage modification and mediation program. We submitted a modification package. The bank 's lawyer XXXX is fully aware that it is against guidelines to have a sales date if a complete package is presented for review at least 37 days before the sales date. On Monday XX/XX/2016 she filed a motion in state court asking for a sales date. The bank is displaying unclean hands and no good faith.
11/19/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TX
  • 77429
Web
Please help me save my home! I received a letter from the attorney foreclosure firm threatening foreclosure. I have tried to work with my mortgage company for several months to no avail. My mortgage company has refused to accept any amount and is returning all funds. I have not been offered any type of Loss Mitigation assistance! I have over {$11000.00} and my mortgage company refuses to work with me on an arrangement. Due to an accident and my inability to work, I fell behind on my mortgage. Please help me save my home!
09/20/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • NY
  • 12601
Web
To whom it may concern, My name is XXXX XXXX I got a Veh loan in XXXX with a company called Regional Acceptance I bought a used pickup truck for a little over XXXX I ran into fiananial problems but since then I have tried to clean up my credit alot I have not credit cards 1 loan but since then they were using experian credit reporting agency they stopped using them an it been removed off my XXXX file and now its on my XXXX report XX/XX/XXXX these people refuse to let me clean up my credit Please help me get them off my report
06/21/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AL
  • 35235
Web
I voluntary surrendered my car to the finance company XXXX XXXX in XX/XX/XXXX. XXXX XXXX has since sold the car and has charged off the remaining balance. In XX/XX/XXXX XXXX XXXX sold my account to the third party. XXXX XXXX is still reporting this account on my credit reports. I have made numerous attempt to have XXXX XXXX stop reporting this on my credit report since they no longer are the owners of my account but they have refused to do so. My account number with XXXX XXXX is XXXX. Telephone number for XXXX XXXX is XXXX
08/30/2015 Yes
  • Mortgage
  • Other mortgage
  • Application, originator, mortgage broker
  • FL
  • 33437
Web
We are victims of dual tracking while in-review. Submitted a completed package, in letter dated XXXX XXXX from BB & T and received XX/XX/XXXX by mail, BB & T asked for updated financials and an additional piece of information - a letter of income contribution from wife of income shown in bank statements in package to be submitted in XXXX days. On XX/XX/XXXX BB & T sent a motion to the court asking to schedule a foreclosure sale. See a copy of the court docket showing a motion sent to the judge asking to schedule a sales date.
04/04/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • NJ
  • 07652
Web Older American
As you know, my car was repossessed XX/XX/XXXX. It was a XXXX Toyota Yaris fiinanced through Regional Acceptance. Today I received a letter from them stating that the car was auctioned off and want {$9000.00}. from me. I will not pay for a car I no longer have. Now, my question is this .I have a part time job, can my salary be garnished? Also, I am financing a car from a dealer in a different state. Can that car be repossessed? I just want these people to leave me alone. They got their car back. What more do they want & gt ;
02/01/2016 Yes
  • Consumer Loan
  • Pawn loan
  • Can't contact lender
  • AL
  • 36609
Web Older American
XXXX XXXX claimed he worked for BB & T said I was approve for the Obama Government loan of 2.25 % interest on my Home But had to send XXXX to be able to get this rate by XX/XX/XXXX and then he would send me all of the paper work also talked to a XXXX XXXX which he claim he was a Manger for BB & T to let me know I was Approved .So I sent the money now I find out that was not true so I am out XXXX the phone number is XXXX I have the recipient for it. I found out it was not true now I want my refund they said they would give me
05/09/2016 Yes
  • Mortgage
  • Home equity loan or line of credit
  • Loan servicing, payments, escrow account
  • VA
  • 245XX
Web Older American
Our HELOC agreement with BB & T stated " The initial Discounted ANNUAL PERCENTAGE RATE is 1.99 %. It also stated " The initial Discounted Annual Percentage Rate is in effect from the date of the Agreement through XXXX XXXX, XXXX. '' The date of our agreement is XXXX XXXX, XXXX. Yet on XXXX XXXX, XXXX, BB & T adjusted our interest rate to an APR of 2.24 %. I called a local office and was told that this was not an error. I then wrote their office in NC and received a phone message from XXXX XXXX ( sp? ) saying the same thing.
07/25/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • VA
  • 23320
Web
Purchased a vehicle for {$24000.00} in XX/XX/XXXX. Vehicle was totaled on XX/XX/XXXX. XXXX XXXX Received a check for {$12000.00} and a check for {$7300.00} all with in a two month span. They reported the credit bureau a lesser amount and also have me paying {$3500.00} in interest. They no longer have the title and are under reporting on the credit report stating that I will be finish paying the loan off in XXXX. It 's already paid off. They said today they waived {$6000.00} in interest. Where? I should not owe anything.
03/26/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • FL
  • 33409
Web
Reporting Inaccurate information on XXXX Credit Report. Regional Acceptance account is reporting inaccurate information on my XXXX credit report. They have on my XXXX report that the Open date was on XX/XX/XXXX. But on the payment history there are no payments reported from XX/XX/XXXX to XX/XX/XXXX. I have disputed this with XXXX and every time they say this information is accurate. How can i have a car loan with Regional since XX/XX/XXXX but the car payments i made to them are blank from XX/XX/XXXX to XX/XX/XXXX
10/27/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Unable to receive car title or other problem after the loan is paid off
  • PA
  • 18103
Web Servicemember
The loan company gave me the loan on a XXXX XXXX XXXX in XX/XX/XXXX for 66 months. According to the bank I had 12 extension which would put the last payment XX/XX/XXXX. I was receiving a monthly phone call and statement saying that I stilled owed XXXX as of this date. I continued send a payment for another nine months until XXXX of XXXX. I consider this loan paid in full plus extra payments. They confirmed that I have made 68 payment at XXXX. Which fulfills the loan requirements, plus two extra payments thank you
08/19/2015 Yes
  • Debt collection
  • Auto
  • Communication tactics
  • Threatened to take legal action
  • NY
  • 147XX
Web
After my atuo loan provider contacted me at work I told them not to contact me at work again they threatened to make deductions to my pay and made me a offer of payment. The colecter demanded " when I will I be payed my money '' then threated that if paper work or payment was n't receaved by the end of the month that they will proceed with garnishment. Because I did n't know what my rights where I told them to email mail me the paper work. I also have receaved multiply phone calls in a day from this corperation.
05/17/2019 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • NM
  • XXXXX
Web Older American, Servicemember
Tried to pay off loan with a wire transfer from my bank. First time nothing happened. Received another statement so I called there Express 24 line. They said my bank number was wrong. Rechecked routing and bank account number and got another conformation number and was told it would take five to ten day. Checking my account every day and nothing so far. All this happened between XX/XX/19 and XX/XX/19. The payoff amount between these dates increased due to interest. XX/XX/19 payoff was XXXX on XX/XX/19 was XXXX.
05/05/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 31405
Web
This inquiry was unauthorized. I have contacted all three credit bureaus as well as the company in question about removing these unauthorized transactions from my credit report. Whenever I am calling, I am told to just wait the 2 years for the inquiries to fall off and there's nothing that can be done to remove them. I have asked for company to provide documentation that shows where I authorized these inquiries, and the companies have refused to provide documentation, as well as refused to remove the inquiries.
12/19/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Unable to receive car title or other problem after the loan is paid off
  • TX
  • 77044
Web
I had an auto loan with XXXX XXXX. I paid on time never late. THE CAR WAS TOTALED. I HAD INSURANCE AS WELL AS GAP. I FILED EVERY CLAIM AND DID EVERYTHING I'M REQUIRED TO DO. I KEPT CALLING THEM AND THEY STALLED FOR MONTHS ON THE GAP INSURANCE. THEY KEPT ASSURING ME THAT THEY WERE WORKING ON IT AND EVERYTHING WAS FINE. NOW THEY PUT 30 DAY LATE PAYMENT ON MY CREDIT AND STATED BECAUSE IT TOOK SO MUCH TIME THEY ARE NOT DOING THE GAP. THIS WAS THEIR FAULT NOT MINE. THIS IS WRONG PLEASE HELP ME WITH THIS INJUSTICE
09/17/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • SC
  • 29617
Web
I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. It is now XX/XX/2018. I sent XXXX XXXX a copy of my police report, ID Thief Affidavit, ID, my social security card, and my XXXX document showing that at the time these items were opened I was XXXX. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
11/01/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • NC
  • 27909
Web
I have had a mortgage with BB & T Bank on an investment property for 10 years. I called yesterday to ask about refinancing under the HARP program. I was told that BB & T wo n't refinance under HARP if the mortgagor has more than 6 loans. I have refinanced most of my investment properties this year, none with BB & T, and I have never heard of this restriction. It appears that BB & T does not want to refinance loans, which strikes me as being in opposition to the intention of the HARP program.Can they do this?
08/11/2015 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • KY
  • 41015
Web
I deposited a check from my insurance company for short term XXXX, Principal Life in the amount of {$2200.00} less {$100.00} = {$2200.00} on XXXX XXXX, 2015 in my checking account at Branch Banking and Trust, aka BB & T in Kentucky. They are delaying/holding my deposit for XXXX days, they said because I overdrew my account in the past XXXX months. I went to the ATM with my ATM/XXXX card and it allowed me to withdrawal money, but BB & T charged me {$36.00} for each ATM/XXXX withdrawal. How can this be legal?
12/17/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • FL
  • 33130
Web Servicemember
BB & T XXXX XXXX XXXX XXXX, FL XXXX XXXX FAX XXXX BB & T CLAIM XXXX XXXX BB & T sent me a credit card I never received. Someone else received and used the card without my authorization. I never received the card. I do not know who received the card. I never used the card. On XX/XX/2019 it was charged for XXXX. On XX/XX/2019 it was charged again for XXXX. On XX/XX/2019 it was charged for XXXX. On XX/XX/2019 it was charged for XXXX on XX/XX/2019 it was charged for XXXX. On XX/XX/2019 it was charged for XXXX.
05/14/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Non-sufficient funds and associated fees
  • VA
  • 23227
Web Older American, Servicemember
On XX/XX/2019 a charge for XXXX caused a XXXX over draft and fee and on XX/XX/2019a charge for XXXX caused an overdraft fee. I am XXXX years old and live alone on ssi for XXXX my rent is XXXX, i live in an senior living facitly. I cant afford these fees but need to live as well. The XXXX charge was for XXXX which i have cancelled mutlitple times and they continue to bill. I attempted to get the fees removed but was refused and told i could not close acct till i paid fees The bank in Question is BB & T
01/22/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • NC
  • 28215
Web
For over a year I have been writing and disputing 30 day delinquency with BB & T. I also went into one of their banking centers and Noone could help me. It 's sad when consumer pay bills consistently online and something apparently happened on their end that caused me to show XXXX delinquency mark. I am frustrated and tired of financial institutions taking advantage of people like myself. This is effecting me negatively. They need to correct the reporting of this information. I have NEVER been late.
08/01/2017 Yes
  • Money transfer, virtual currency, or money service
  • International money transfer
  • Unexpected or other fees
  • FL
  • 34243
Web
Scenario : Wire transfer from XXXX XXXX XXXX in XXXX to BB & T in USA. Bank in XXXX charged an outbound wire fee and BB & T charged an inbound wire fee, these were independent of the transferred amount. Still, the received amount was {$25.00} less than expected. No disclosure anywhere as to why there was {$25.00} difference. I had to personally go to BB & T to find out why there was a discrepancy. I was told that XXXX XXXX was an intermediary bank and there was a {$25.00} charge for the transfer.
05/15/2015 Yes
  • Debt collection
  • Auto
  • Communication tactics
  • Frequent or repeated calls
  • NV
  • 89120
Web
My car loan with Regional Acceptance has language in the agreement that states we have two weeks past due date before it is considered late and beyond that there is a charge that can be negotiated with a payment arrangement, I continually make payment arrangements but I recieve XXXX-XXXX calls a day once the due date has past. I have requested they stop and they continue, please help. I always pay my bill including any late fees, I 've never missed a payment. My only issue is sometimes I 'm late.
11/16/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33884
Web
I tried to resolve this matter with three credit bureaus and this company but they are not willing to work out this unauthorized inquiry situation. I asked them for months to provide me with a voiceover, a copy of my Driver License or any signed statement authorizing them to pull my credit report. Its been a couple of months and I still havent receive any response or documents showing otherwise. This is a major violation of the Fair Credit Reporting Act, so this mean they are breaking the Law.
09/18/2016 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • PA
  • 19406
Web
I had a fraudulent charge on my checking account and the bank will not do anything to reimburse me. Every person that I 've spoke to at the bank has agreed that I am owed the money back to my account. But, they do not know how to do it in their banking system. The amount of the transaction is {$67.00}. and it took place on XX/XX/XXXX. I attached a screen shot of the charge on my online account. Please note that XX/XX/XXXX, XXXX merged with BB & T and they are blaming the problem on the merger.
12/10/2015 Yes
  • Bank account or service
  • Other bank product/service
  • Making/receiving payments, sending money
  • PA
  • 17601
Web Older American
I have established auto pay with XXXX of my credit cards through my bank ( BB & T ). When the credit card request payment, BB & T does not pay. I have received a letter from XXXX Bank for XXXX payment stating they are closing my account for dishonored payments.When I do my payment on line, it does go through. I now have the credit card suspended. I 've went to BB & T several times with no satisfaction .I am also been reported to credit bureau. How can I make sure my credit has not been harmed?
05/24/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • FL
  • 33181
Web
Sheffield Financial account is still charging me interest on an account that was closed on XX/XX/2015 with a voluntary surrender. The balance is still showing of XXXX. Every month they charge and increase the balance of that closed account and its affecting my credit score. I was forced to do a voluntary surrender because i was diagnosed of XXXX XXXX in XX/XX/2015. I am still on treatment. Please fix this problem and add it to my report the reasons of closing this account or loan. Thank you.
05/20/2018 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • XXXXX
Web
BB & T Bank I refused to pay for what seem to be like fraudulent activities. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. They can not provide me with any original paper work, signatures or ID copies.
07/19/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • HI
  • 96706
Web Servicemember
Loan was for 72 months they are still saying I owe over a year of payments I have been paying consistently and I believe they are over charging my account for more than what was agreed. Loan taken in XX/XX/XXXX and my last payment should be XX/XX/XXXX but payment is showing it will not close until XX/XX/XXXX I want them to please look over payments and close my account XX/XX/XXXX that is the date of last payment due! They need to re-evaluate my payments made and look at whats been collected
09/20/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • NC
  • 27560
Web
I went thru the drive thru to deposit a check on Tuesday XX/XX/XXXX. When I got my deposit receipt on the back said that since I have had several overdrafts in the past 6 months, my deposit would be hold until XX/XX/XXXX. I was not informed of this before the deposit was made. The deposit was for {$5000.00} because I had several things coming out. They have charged me over {$250.00} in fees for those items hitting without that deposit. It has left me without any money for gas or groceries.
10/25/2016 Yes
  • Bank account or service
  • Checking account
  • Using a debit or ATM card
  • FL
  • 335XX
Web
Someone stole our debit card number and more than {$7000.00}. out of our BB & T bank account. My husband had the card in his possession, but when he used it, it must 've been copied or however criminals do it. I made a claim with the fraud department at BB & T bank and also a police report at the XXXX XXXX XXXX XXXX. I was then in a letter denied by BB & T for the return of our money. All of BB & T workers at the XXXX, Florida branch do not know policy and give you a complete runaround.
05/02/2016 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • PA
  • 17110
Web Servicemember
Susquehanna Bank, did not route my check properly. Did not disclose the terms of collection of Cashiers Check. Then Susquehanna filed Criminal Charges stating that I forged a check, Due to Susquehanna Bank Discretionary, practices, they have since, change the name to BB & T, which has also caused Financial Discrimination recorded by XXXX. My attorney will be filling International Criminal Complaint under the Mines and Mineral Act to be serviced by the Director of International Finance.
08/08/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • AL
  • XXXXX
Web
I received my credit report in XXXX and noticed inquiries that I do not recognize. I sent the creditor a dispute letter asking for proof of authorization. Their response is as quote : " You recently disputed certain information contained in your credit report and requested that we conduct an investigation. We will not be able to investigate this dispute per FCRA as it relates to an inquiry or request for a consumer report. '' This is a direct violation of my rights under FCRA 611.
06/23/2019 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • PA
  • 193XX
Web
The prompts I checked really do not pertain to my complaint ; however, no other prompt was available. Regional Acceptance Recovery continues to report a charge off account ( auto ) as current. The account was opened in XX/XX/XXXX. It was charged off XX/XX/XXXX. Can they keep doing this? This is affecting me negatively and sadly the account can not be paid. We are facing medical hardship ... XXXX 's. Please see if there is anything which can be done. Thank you. XXXX XXXX XXXX
02/01/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MO
  • 636XX
Web
BB & T did not remove my Private Mortgage Insurance ( PMI ) from my mortgage payment whenever my loan was paid down to below 78 %. I called them and spoke to two employees. XXXX ( employee ID XXXX ) and XXXX XXXX ( manager ). Both of them falsely told me that I had to write in to have the PMI cancelled. It's my understandign the the Homeowners Protection Act states that PMI will be automatically removed from a mortgage when the balace is under 78 % of the original appraisal value.
05/08/2018 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • WI
  • XXXXX
Web
Dispute Debt with XXXX XXXX XXXX per Contract Collection Agency has no legal right to collect the Debt. Reporting of the Debt is a Violation of FCRA and XXXX XXXX is in Breach of Contract by violating the Arbitration Clause. The contract must specially state that you can send my account to a collection agency and it does not furthermore it was paid with Collection Agency which agreed to delete account. You have 30 Days to Delete Charged Off account to avoid further Legal Action.
12/07/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • PA
  • 190XX
Web
BB & T charged me {$1400.00} in overdraft fees from XX/XX/19 to XX/XX/19. I believe these fees were excessive. During that period I was laid off from my job and then I also had my hours severely reduced in another job. I am not disputing the amount of the fees. I am disputing that the bank should have denied me overdraft priveleges especially when I was in a negative balance for such a long time.This practice of providing overdrafts fees is predatory on people in my situation.
11/17/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • MD
  • 217XX
Web
BB & T - constant calling harassing us about wanting fees from our son who had XXXX inactive student accounts from years ago. ( They just now came up with {$80.00} in " fees ''. ) He made the negotiated payment and yet they still call and harass us. Now started calling his cell phone while he is at work. This has got to stop. BB & T is harassing us 3 to 5 times a day over an old, inactive student account. Our XXXX year banking history with them apparently makes no difference
04/05/2016 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • NC
  • 27103
Web
On XX/XX/2016 I had {$360.00} in overdrafts posted to my account. On the end of business on XXXX/XXXX/2016 my ending balance was {$4300.00}. Posted transactions on my account for XX/XX/2016 was {$3200.00}, which my available balance on the end of business day on XX/XX/2016 should have been a positive {$1100.00}. I was assessed XXXX overdrafts on many of those items that were posted with a positive balance for a total of {$360.00} This bank is crooked with ghost overdrafts.
12/27/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • SC
  • 295XX
Web Servicemember
On XX/XX/2018 my credit report shows 2 hard inquiries. Both of these are fraud. Neither company can find my info in their systems or can they tell me where they got my info. Both companies say they will do nothing about it because they don't show it on their end. I assure you it's there. I am applying for a mortgage and these people are hurting my credit with all of these hard inquiries. The 2 companies are listed below. XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX
08/30/2017 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Problem with a purchase or transfer
  • Charged for a purchase or transfer you did not make with the card
  • FL
  • 333XX
Web
My transaction history is completely different than my account history I 've spoken to them there third-party costumer service tells me im lying that that ca n't be I asked them to check they said no I 've went too threw separate branches have been told people would call me back nobody calls back they call the people who can see the account they say I ca n't read my account they tell them no he 's reading it rite then they say we should do a balance check and they refuse
07/31/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • NJ
  • 07030
Web
After fail to log on my checking account, the bank 's system locked my account. The website did not allow me to reset password. Following instructions I called the web customer service and the rep said nothing she can do due to the account was fairly new and I must go to a branch. Sadly the nearest branch was one hour away. All I wanted is to let them unlock the account then I can reset password myself. I really can not go to a branch one hour away to handle this issue.
06/27/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • NC
  • 28216
Web
My name is XXXX XXXX I'm currently in the hospital and my wife is having trouble with my account she opened on my behalf. Recently she submitted from my account our Mortgage payment in which the mortgage company received and now it's been taken back but the amount that was taken back shows up on my account as a debit for more than my wife orginally sent. Instead of XXXX its XXXX being debited. They refused my wife access to see what's happening. I need some assistance
12/28/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • NY
  • 12065
Web
My first home mortgage from BB & T bank was a short sale transaction. The bank accepted less then the mortgage. I signed the XXXX form in XXXX of 2014 selling the home to another individual. BB & T bank then reported the loan delinquent 180+ days for the next 20 months. I have tried to dispute this information XXXX in which I have included the lawyer signed documents showing the home was sold in XXXX of 2014. XXXX has not taken proper actions to fix my credit report.
11/04/2016 Yes
  • Bank account or service
  • Other bank product/service
  • Account opening, closing, or management
  • PA
  • 191XX
Web
In XXXX 2016, my computer crashed and deleted all my business ' financial data for the previous year. I asked my bank BBT to provide me with my banking history in electronic format for that period. However, they have stated that they can not provide me with the historical data prior to XXXX 2016 when BBT purchased XXXX XXXX bank. The data *MUST* be somewhere accessible electronically, but they will not provide me with the information to access my financial history.
10/26/2016 Yes
  • Mortgage
  • VA mortgage
  • Credit decision / Underwriting
  • PA
  • 173XX
Web Servicemember
I 'm a veteran and I 'm trying to purchase another home. BB & T has incorrectly reported my late payments on my previous mortgage to the XXXX major credit bureaus. They reported that I was 120 days late on my XX/XX/XXXX payment when it was the XX/XX/XXXX payment that was 120 days late. Due to this incorrect reporting, it is preventing me from getting financed for a new home. We have worked with BB & T for the past XXXX weeks to fix this issue with zero results.
02/04/2020 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • FL
  • 32277
Web
This is a two part complaint, the first part is that I had a {$36.00} overdraft fee charged to my account on XX/XX/XXXX despite the funds to cover a transaction having posting to my account. The second part is that I had an issue with XXXX pulling money from the wrong account, and despite BB & T knowing that it wasnt intentional and me offering to pay the negative balance minus the fees, they refused to waive the {$610.00} in overdraft and returned item fees.
03/21/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • NY
  • 10473
Web
The vehicle financed by XXXX XXXX was lemon and the dealer sold me a warranty that would not accommodate the issues with vehicle..Car was repo and XXXX XXXX didn't comply to NYS law by sending a certified letter indicating the intention of vehicle but instead reflects the amount I owe .... which they and credit bureaus are violation FCRA 609 ... If not resolved with your assistance ... .I will seeking actions with my attorney XXXX XXXX who specializes in such
11/24/2015 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • NC
  • 27106
Web
The bank has refused the fees charged on my account from them. My account was charged return fees. Obviously, it is a bank error. The teller who helped me has n't stopped my check even though the payee portion of the check was missing. Due to the returned check, the bank locked my account until my request. Also, for the period in which I was locked out of my account, the payment was scheduled and retuned too. I am owed {$60.00} for fees charged incorrectly.
03/13/2019 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • KY
  • 422XX
Web
I received a call on XX/XX/19 from a angry woman. This is HARASSMENT. I was never told orally or in writing I had the right to earn interest on my funds deposited. 2 ) I had the right to withdraw any of my funds on deposit at anytime without penalty. 3 ) The XXXX XXXX XXXX XXXX is not affiliated with them at all. This. Ocompany continues to call and harass me without providing me any of my requests for an account payment history and account audits.
08/24/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IN
  • 46254
Web
I have inquiries on my credit report on equIfax that does not belong to me from XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XX/XX/XXXX and ive reported this to them on numerous occasions as well as sent in police reports and they refuse to take them off. I also have and XXXX/XXXX account on my XXXX in the amount of {$1400.00} that does not belong to me and is showing that is a late payment from XX/XX/XXXX.
01/19/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • FL
  • 338XX
Web
I co-signed on an auto loan and provided my personal cell phone number with specific instructions that it was never, for any reason, to be called. In the past year, this company has contacted me sixteen times, sometimes multiple times a day. The owner of the vehicle and primary name on the loan has contacted this company ( Regional Acceptance ) and advised them to remove my number from the record as they are unable or unwilling to follow my instructions.
03/26/2018 Yes
  • Debt collection
  • Auto debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • TX
  • 75150
Web
XXXX XXXX keep contacting XXXX XXXX on XX/XX/XXXX and another date in XX/XX/XXXXwho I put as a reference and is sharing confidential information with him about my loan. His name is not on the loan, therefore no one should be sharing with him any information about my past due payments, etc. he should only be contacted and asked to reach out to me to get me to call them about my loan but not share with him my personal info. I want this to stop immediately!
03/21/2017 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • SC
  • 29072
Web Servicemember
I want to report two banks to the federal government. One, is XXXX. Routing number : XXXX Account number : XXXX. This bank sent me a check in the amount of {$2900.00} ( Found out it was a scam, fraudulent check ). BB & T, has the impression of the check that hit my bank. Two, is XXXX bank I attempted to pay this bank off, {$25000.00}. They tacked on fees and interest which they were blackmailing and extorting more money out of me. Thank you, XXXX
02/25/2016 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • TX
  • 75074
Web
Went to make deposit on bank ATM. I was trying to make deposit cash in the amount of XXXX. After posting XXXX cash the ATM end up in error and denied me to make more deposit and did not giving me receipit for XXXX or post the money to my account. I called bank and report error for ATM and bank respond that my found will be available in next 5 business day. Today is 7 days and bank did not refund money yet and every time I call I get different answers.
12/02/2019 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Didn't receive terms that were advertised
  • NC
  • 280XX
Web
I opened a Bright Banking checking account online with BB & T on XX/XX/19 with the promotional code XXXX. This promotion offered a {$250.00} bonus after receiving 2 direct deposits. Despite my fulfilling this requirement the bonus was not paid out. My related inquiry on XX/XX/19 received the response that I had not provided a " valid promotional code '' online. In fact, the code in question auto-populated after using a link to the application page.
03/28/2019 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • VA
  • 23831
Web
Opened checking/savings account with overdraft protection at BB & T in XXXX. Stopped using the card around XXXX, went to re-open my account in XXXX of XXXX I was told I was denied because of me allegedly trying to overdraft my account, when I never did. I asked her if I could dispute it. She said that she had to send me a letter in the mail but it never arrived. I never tried to overdraft my account once, so my unpaid bank fees need to be dismissed.
05/25/2017 Yes
  • Checking or savings account
  • Other banking product or service
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • VA
  • 245XX
Web
A perpetrator falsified my personal information and influenced the office of inspector general. The perpetrator claims that the ring of defrauders are researching on a complaint or complaints. The perpetrator particularly evaded XXXX after th e OIG and whistleblower office knowingly or unkowingly helped a retaliating bully abuse authority and fund a plagiarism and ring of malfeasance abuse fund from XXXX . I suspect malpractice or simply dirty.
02/08/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • MD
  • 208XX
Web
I have a car 72 month fixed rate Loan with BB AND T bank. I never had late payment I always make payment on time but the interest keeps going up. I want to know why it 's keeps going up. I usually pay total {$470.00} per month with interest of {$61.00} BUT it keeps going up and I 'm currently paying interest charge of {$75.00}. I want to deduct principal so I pay extra per month but the bank always charge more interest every month. I need help.
12/08/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • GA
  • 30236
Web
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/2018.
09/20/2016 Yes
  • Mortgage
  • Other mortgage
  • Application, originator, mortgage broker
  • AL
  • 362XX
Web
The financial institution that pulled my credit information in error has disputed the issue and asked that it be removed from my credit report. However, that does not excuse the fact that a mistake was made with in that bank which has caused me anxiety, inconvenience, frustration, and the decrease of my credit score due to the " hard inquiry '' being submitted ( with out my authorization ). I spoke to an attorney today and filed a police report.
07/25/2015 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • GA
  • 31605
Web
I bank with BB & T. I had a small overdraft on my account. Well a few days later that small overdraft turned into {$350.00} in overdrafts. From what it looks like they moved transactions that I know had already cleared my account and caused even more overdraft fees. They also moved things around to look like I had more money than what I had in the account and I did n't realize what they had done until it was too late and I had all of these fees.
11/21/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Loan sold or transferred to another company
  • CA
  • 90004
Web
I have setup autopay with XXXX XXXX. XXXX XXXX, recently transferred their loans to XXXX XXXX and I had to figure this out on my own before I could make payments. Unfortunately, I have been delinquent for over 30 days since I did not know my autopay has been terminated. I have only received one letter from XXXX XXXX on XX/XX/2017 and two phone calls ( last week and XX/XX/XXXX ) with no description of their service other than to call a number.
02/18/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • TX
  • 76706
Web Older American
From 2012 to the present, Regional Acceptance Corporation charged unnecessary charges for a 4 year loan. Customer paid {$17000.00} on a {$21000.00} note and the company has alleged due to late payments that we now owe {$19000.00}. Our records indicate a balance of {$3000.00}. We believe the company has overcharged and is abusing the rates of late fees and daily interest compounded. We owe around {$3000.00} on the vehicle and want to pay it off.
12/31/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MD
  • 20705
Web
BB & T Account Number XXXX was charged off and I received a Form 1099-C for {$14000.00} ( copy attached ) for Calendar Year XXXX and then the Amount Past Due was {$0.00}. However, beginning in calendar year XXXX, BB & T is reporting the Amount Past Due as {$15000.00}. BB & T can not show cancellation of debt income in XXXX for the entire balance owed and an amount past due in XXXX, because I have already been taxed on the cancellation of debt.
09/28/2019 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • PA
  • 18914
Web Older American, Servicemember
Re : Previous complaint XXXX This bank BB & T still has not resolved this complaint although you let them close the matter without a proper explanation. They still have not transfered my ira to the other bank. This deliberate delay has cost me over {$200.00} in lost interest plus the difference in the rate at the new bank which has been lowered during this fiasco. Please help in this matter. BBT already has over 5000 matches in your data base.
10/02/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • GA
  • 30236
Web
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both ( XXXX, XXXX, XXXX and XXXX XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/2018.
10/30/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 94066
Web
It states on my credit report I lived in Oregon, I have never ever lived in Oregon. It states on my credit report there are XXXX inquiries, that i have never applied to ever XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and they show up on my credit reports sometimes more than once It states on my credit report i have an open balance with XXXX when I included it in my bankruptcy, i included all my debt in bankruptcy so it should all be XXXX.
09/19/2019 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • PA
  • 19601
Web
I called on XX/XX/19 to bb and t and aske them if i was ok to open an account due to a fradulent bank account being open i was unable to do it. Today i was cleared to open the bank account earlier in the morning but upon arrival this afternoon at the branch the story changed saying that there was no paper work sent the manager in charge of my investigation she never answers the phone and ive been dealing with this issue for more than a year.
08/31/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • NC
  • 27514
Web
I was charged 1 % over the fixed rate of a conventional loan for XXXX years. The bank provided me with the apology letter but did not add the money that they drafted out of my account as a principal payment. Since this was a XXXX XXXX dollar loan the 1 % over XXXX years was damaging to my financial stability and almost lost all my investment. I have refinanced the loan with a different bank now but at closing we disagreed with payoff amount.
09/26/2015 Yes
  • Credit card
  • Credit determination
  • VA
  • 226XX
Web
While trying to obtain a VA mortgage loan, I was unable to obtain the loan because of an error on my credit report. I filed for bankruptcy chapter XXXX and the banking financial was also included in the filing of lenders to file against in the bankruptcy. The bankruptcy chapter XXXX was filed in XX/XX/XXXX and was discharged XX/XX/XXXX. The credit report states, it 's was a judgment and not satisfied, but it was filed with the chapter XXXX.
09/27/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • MD
  • 210XX
Web
On sunday I was depositing cash at the BBT ATM machine, the ATM rejected some of the bills and started to return them to me but I was unable to get all the cash before the ATM took the remaining cash back into the machine and shut down with no receipt. I only got XXXX dollars back out of a XXXX dollar deposit, and when called they said it would take a couple of days. This created a couple of overdrafts and they have not refunded the fees.
06/24/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 323XX
Web
RE : Bb & t bank XXXX XXXX XXXX XXXX XXXX, FL XXXX Website : www.bb & t.com Transaction Date : XX/XX/2018 Amount Paid : XXXX Payment Method : Prepaid Debit ( such as XXXX XXXX XXXX or others ) Subject : Bank Bb & t bank let XXXX XXXX and XXXX XXXX take money out my account with out my concentXX/XX/2018 XX/XX/18 BB & T Balance Debit {$1400.00} XX/XX/2018 I want my money back XX/XX/18 BB & T Balance Debit {$540.00} XXXX i want my money back
03/16/2017 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • NY
  • 13502
Web
XXXX advertises a 0 % loan on the XXXX plow website XXXX I applied they confirmed then made a " mistake '' on the contract I called back and they were going to fix it. Instead i told the dealer that I would purchase the plow outright and paid with a check. XXXX never cancelled the original contract, two month into the loan i called to pay it off they charged me a 9.9 % interest. Please let me know what my legal recourse is. Thank you,
12/27/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • TX
  • 77373
Web
I have disputed Regional Acceptance many times because they continue to report inaccurate information such as the balance and notating it as key derogatory every month which causes my credit score to go down. They continue to confirm and verify the information is reporting inaccurately however they have not responded to any of my direct disputes with them. I have been writing to them for almost a year and they have not responded once!!
06/25/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • FL
  • 33458
Web
BB & T bank stole money from me on two occasions. They classified the unauthorized withdrawals as a payment reversal. I have sent numerous emails requesting what the payment reversal was for. I have called them no less than 100 times and they will not take or return my calls. I finally went to the bank in person, and they said they can not talk with me. I have all the supporting evidence including all my emails and banks statements.
01/14/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • NC
  • 28278
Web
3 months ago we refinanced our mortgage with another bank, BB & T has not returned our escrow balance of {$2200.00}. We never had been a single day late for payment while we hade mortgage with them. So this is their way to make sure we never come back! Past 3 months we called so many times, even went to branch manager for help us but all we had is empty promises : " 2-3 days '', " 24 hours '', ... etc everything but refund check!
04/21/2015 Yes
  • Mortgage
  • Other mortgage
  • Application, originator, mortgage broker
  • NC
  • 27539
Web
BB & T XXXX XXXX and XXXX XXXX sent my husband and my personal information to the wrong email address. The person that received the information originally responded to let them know they were sending it to the wrong email and instead of making me aware and/or fixing the problem, they continued to do it XXXX more times over a several week time span, until the person finally reached out to me to make me aware of what was going on.
03/03/2017 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • TX
  • 770XX
Web
I made a payment 3 payments on XX/XX/2017 and my account was not negative that day. On XX/XX/2017 I made a payment that made my account negative. According to BBT system the three payments posted on XX/XX/XXXX and that left a balance of XXXX. The next payment posted on XX/XX/XXXX for XXXX. BBT charged overdraft fees on XX/XX/XXXX before the account went negative and before the payment that did send the account negative posted.
01/25/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MA
  • 01701
Web
XXXX has been non-compliant with removing the unverified account BB & T Opened Date XX/XX/2012 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that BB & T was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
01/30/2016 Yes
  • Money transfers
  • Domestic (US) money transfer
  • Wrong amount charged or received
  • WV
  • 257XX
Web Older American, Servicemember
PAID " XXXX XXXX HOTEL '' .... ( twice ). I PAID on XXXX XXXX, 2015 ... ..As I had already paid for it. HOTEL CONFIRMATION # : XXXX ... .. ( via CHEAP TICKETS, on XXXX XXXX, 2015 ) ... XXXX " B.B. & T. BANK '' XXXX HAD TO PAY AGAIN ON XXXX XXXX, 2015 ... ... ( AS THEY.. ( XXXX XXXX ), DID NOT HAVE ANY RECORD OF MY PAYMENT, ON XXXX XXXX, 2015 ... ... .HAVE " BB & T BANK '' RETURN MY {$78.00}, TO ME PLEASE. *SEE ENCLOSURES.
05/11/2019 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Didn't receive terms that were advertised
  • TX
  • 752XX
Web
I opened a new checking account on BBT bank website as advertised in XX/XX/2019. I met all requirements on the offer at the time when I opened the new checking account but have not received the bonus offer as advertised to date. I called on XX/XX/2019 and customer service told me there was no promotion code on my new checking account, which was not in the offer when I opened the account. So I can not receive the bonus offer.
12/18/2019 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 32937
Web Older American, Servicemember
My complaint is with BB & T, XXXX, NC. I have a checking account and a credit card and a Savings account. The Collections department keeps asking for payments, which I authorize, then they say they can't process the account numbers, in the meantime charge me late fees for non payment. I get transferred from one person to another who will only provide their employee number and not their telphone or email contact information.
04/08/2018 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • FL
  • 34109
Web Older American
in XXXX account had garnishment on my personal checking account the XXXX dollars was never dispersed the account was closed and over 13 years the bank has taken a XXXX dollar monthly maintenance fee in XX/XX/XXXX i received a letter stating since there has been no activity they would transfer funds now XXXX to unclaimed property i called to claim the funds rather then claim funds from unclaimed and all i get is statements
03/16/2016 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • NC
  • 271XX
Web
I was subjected to systematic and institutional XXXX at Branch Banking and Trust. I requested copies of XXXX checks ( i.e. made payable to XXXX XXXX XXXX that cleared my BB & T Checking Account between XXXX and XXXX and bank officials refused to perform a search for the checks. After bank officials refused to perform the search, I received an email to bring money to any BB & T Branch in order to have the search performed.
08/04/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • IL
  • 604XX
Web
I purchased a vehicle from XXXX XXXX XX/XX/XXXX, A XX/XX/XXXX Sonata. Regional Acceptance financed the vehicle for XXXX months at 16 percent interest. I have had the car for 4 years making monthly payments of XXXX. As of today XXXX payments have been made totaling XXXX dollars. Regional Acceptance says I still owe XXXX on the loan, which is not correct and impossible for a loan that is 48 months into the XXXX month term.
07/09/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • TX
  • 77494
Web
I have a loan with XXXX XXXX XXXX I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX XXXX XXXX with no successful resolution. XXXX was reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
11/21/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • GA
  • 302XX
Web
I have sent emails XX/XX/2019 and XX/XX/2019 telling I voluntarily surrender the vehicle as Im in a financial hardship and cant afford the car. Have gotten evicted and havent had auto insurance on this car in months. I have also called for them to pick the car up at address XXXX XXXX XXXX XXXX ga XXXX. They have not! They have been calling my job harassing me while Im at work and Ive asked them to not call my work.
01/25/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • XXXXX
Web
On XX/XX/XXXX, I visited XXXX XXXX XXXX to be added to my aunt 's checking account as an authorized user. I was told there was an account from BB & T that does not belong to me, instead belongs to my mother. My mother, XXXX XXXX, filed for bankruptcy Case # XXXX on XX/XX/XXXX and debt was discharged in XX/XX/XXXX. However for some reason, this is showing on my XXXX report. This is not my account and I was a minor..
10/18/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • SC
  • 29466
Web
Hello, BB & T has refused to engage in adequate dialogue to resolve a case related to a credit card charge on XX/XX/2018 to XXXX for {$450.00}. Despite having no services received from XXXX for the transaction, BB & T has allowed a fraudulent charge to be charged back on my XXXX account statement. Despite many attempts to contact BB & T through email and phone calls, they have ignored any attempt at a resolution.
03/14/2017 Yes
  • Bank account or service
  • Other bank product/service
  • Deposits and withdrawals
  • NC
  • 28273
Web
In XX/XX/2008 my wife at the time withdrew XXXX dollars out of my IRA acct. XXXX individual times with forged signatures infill acct was closed.I did not give her permission. During this time the banker at the time witnessed to me that my wife at the time had her totally fooled. The bank was bb t XXXX branch on XXXX nc. Bankers name was XXXX. I am seeking retribution or someone to own up to the XXXX dollar mistake
02/14/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 90501
Web
My brother got financed by the company for a XXXX XXXX XXXX. He decided to trade in the car and refinance with the same company for a XXXX XXXX. Regional Acceptance is the company. They have yet to take the XXXX XXXX off my credit. I have proof, but the file is too large to send. My brother has tried numerate of times to contact them and take it off my credit but they have yet to and do not want to cooperate l.
01/03/2020 Yes
  • Checking or savings account
  • Other banking product or service
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • VA
  • 238XX
Web
My complaint is with BB & T Bank. I understand that overdraft fees has to be applied to your account when the bank pays for a transaction because of low funds. My question is why do they have to apply {$36.00} dollars for every seven days your account is in a negative status. I can recall XXXX XXXX XXXXXXXX getting sued for excessive overdrafts and had to pay out millions of dollars back to their customers.
05/16/2019 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Didn't receive terms that were advertised
  • FL
  • 337XX
Web
I opened a checking account with BB & T on XX/XX/19, followed the step which is two monthly direct deposit of {$100.00}. the fine print said to have two monthly direct deposit of {$100.00} within 75 days upon account opening a {$200.00} bonus will be deposited to the account after 75 days, it's almost 90 days now, a bonus was not credited to my account. I call customer service several times action was not taken.
04/05/2017 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • FL
  • 32256
Web
I had an account with BB & T. when I open the account I specifically told them I did not want no over draft protection. when I could n't get no where with them between them charging me for calling them to check the status of my claim, I close the account but they never did. instead they kept charging. I just call them and they told me that charge me over {$600.00} fro an account that was supposed to be canceled.
07/03/2016 Yes
  • Mortgage
  • VA mortgage
  • Loan servicing, payments, escrow account
  • LA
  • 70072
Web
I lost my job in XXXX XXXX, was granted deferment until XXXX with BB & T mortgage. Started a new job in XXXX XXXX. Resumed my mortgage payments. Sent {$1700.00} on XXXX XXXX, XXXX, they refunded it on XXXX XXXX. Paid them {$14000.00} on XXXX XXXX, they refunded it on XXXX XXXX, XXXX. All I 'm trying to do is keep my house. I will not allow them to take it. I do n't know what they 're problem is but I need help.
01/03/2019 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • VA
  • 223XX
Web
BB & T closed my account for no reason, the account # is XXXX, and they keep telling me they will send me a check with the final {$980.00} in my account but nobody is telling me when I will get it. In the meantime, I am dealing with an eviction and other issues and when I contact the branch, they tell me, " A letter is being processed and you will get your money soon! '' This has been going on for a month now.
03/07/2017 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NC
  • 286XX
Web
I traded my car XX/XX/2017. the dealership paid off loan but short payed XXXX. I contacted dealership and they are going to pay remaining balance some how it was paid off after the 20 day pay off. The finace company has called me 6 and 7 times a day for 2 weeks. I explained to them what happened and that the dealership was going to take care of remaining balance. Now they have starteded calling me at work ...
11/09/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • TX
  • 77494
Web
XXXX has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
02/26/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • FL
  • XXXXX
Web
BBT bank is claiming i owe them XXXX. I HAVE NEVER RECEIVED ANY ''BILL '' A STATEMENT IS NOT A bill you XXXX XXXX and yu probably discharged it to my social security trust account like you do to everybody else, BBT bank also SOLD THE ORIGINAL INSTRUMENT WITH MY WET INK SIGNATURE BECAUSE IT HAS VALUE, THESE ARE XXXX LIAR CRIMINALS,, I NEVER RECEIVED A ''BILL '' OR A SWORN VARIFIED COMPLAINT OF ANY WRONG DOING
03/29/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • FL
  • 33573
Web Older American
After being accepted for a loan modification I was instructed to make payments directly to BB & T Lost Midigation Dept NOT my regular Mortgage Dept. Asking the loan dept why my payments were not showing up on my statements I was told they knew about the modifacation and not to worry. So far disputes with the bank and breaus has had no effect. XXXX, FL XXXX Home phone XXXX S.S. # XXXX BB & T Mortgage : # XXXX
11/05/2015 Yes
  • Bank account or service
  • Checking account
  • Using a debit or ATM card
  • VA
  • 23452
Web
An unauthorized charge appeared in my account. I disputed the unauthorized charge and the bank told me that it will take 60 days to complete it 's investigation, but has not credited my account. I contacted them after 2 weeks past and asked why they have not issued a provisional credit yet and they told me they do not issue provisional credits, that I would have to wait until their investigation is complete.
07/07/2015 Yes
  • Mortgage
  • FHA mortgage
  • Application, originator, mortgage broker
  • VA
  • 232XX
Web
Branch Banking & Trust denied my residential loan application even though I withdrew my request for the loan before completing it because the mortgage officer would not answer basic questions regarding the terms of the loan. This application was never completed and I asked that it be withdrawn before completion because the terms that they had set forth changed dramatically from what they originally proposed.
04/08/2017 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • KY
  • 40222
Web
BB & T bank rearranged my transactions to maximize the amount in overdraft fees I would accrue ... Taking transactions that occured literally DAYS BEFORE the transaction that actually caused my overdraft ... I agree to one overdraft plus the amount that actually overdrafted my account ... .NOT the five overdrafts they are lying about and saying I owe them ... .This is predatory behavior and needs to stop
10/08/2015 Yes
  • Mortgage
  • Home equity loan or line of credit
  • Loan servicing, payments, escrow account
  • FL
  • 337XX
Web
I feel I am being ripped off by a XXXX " membership '' fee.In the past the branch manger waived the fee for me which proves they feel they are ripping me off. Now that branch manager is gone last year the branch manger said " I will not do this waiving of fee for you anymore. I feel charging me an extra {$50.00} a year is not fair? they are making money on my loan already. Is this annual fee excessive??
04/28/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • NC
  • 28025
Web
I have recieved 5 calls from XXXX until now, which is XXXX. This is absolutely unacceptable and excessive. Any reasonable person would find this level of calling to be offensive, and illegal. It is impossible to have a job, and answer the continuous level of calls I receive. I am called a minimum of 5 times everyday. This is unacceptable, illegal and these type of tactics should be stopped immediately.
08/05/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TN
  • 377XX
Web
XXXX XXXX of BB & T in XXXX XXXX, TN pulled my mother in laws credit report ten times back in XXXX of 2018, which ruined her credit report rating. He has since caused problems of rudeness. He told us the loan we applied for, of which he pulled her credit ten times, was denied however we never received a letter stating why. He refuses to answer our questions. I have been told to report on Regulation B.
10/28/2016 Yes
  • Bank account or service
  • Checking account
  • Making/receiving payments, sending money
  • FL
  • XXXXX
Web Servicemember
BBT BANK IS REFUSING TO REFUND {$36.00} OVERDRAFT FEE BACK INTO OUR ACCOUNT WHEN THE MONEY WAS THEIR. TRANSFER FROM SAVINGS TO CHECKING OF {$200.00} WAS PUT ON PENDING WAS MADE ON XXXX/XXXX/16. MONEY WAS NOT RELEASED FROM SAVINGS TO CHECKING UNTIL XXXX/XXXX/16 WHICH THE BANK CHARGED ME AN OVERDRAFT OF {$36.00}. I CALLED THE BANK AND TOLD THEM ABOUT THE ERROR AND THEY FLATLY REFUSED TO MAKE CORRECTION.
11/29/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30236
Web
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX XXXX with no successful resolution.XXXX only reporting me late. There was definitely an error on their part. I was never 59 days late.
11/26/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MA
  • 01701
Web
XXXX has been non-compliant with removing the unverified account BB & T which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that BB & T was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
08/23/2015 Yes
  • Mortgage
  • Home equity loan or line of credit
  • Application, originator, mortgage broker
  • VA
  • 24073
Web
I am writing to file a complaint about BB & T Bank. I recently received a Retail Statement of Credit Denial letter dated XXXX XXXX, 2015, from BB & T Bank. However, at no point did I ever fill out a credit application with them, nor did I ever give them my consent, implicit or explicit, nor was I ever contacted by BB & T for my consent prior to BB & T running a full fledged credit inquiry about me.
05/06/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • NC
  • 28269
Web
I 've been unemployed for a while and myself and the spouse has been paying the mortgage. There were only once source of income in the home and my spouse was paying the mortgage on time. For some apparent reason I made arrangement and kept those arrangements and they have reported me to the credit bureau for no reason because the payments were made prior or before it gets to the credit bureau.XXXX
01/14/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • UT
  • 84067
Web
BB & T # XXXX is reporting a late to my account that I should not have. My mortgage account was transferred over from XXXX and I was not informed of this, I did not receive any kind of letter or notification about the transfer of my account. I did try to make payments to them however they were declined and they would not accept it. I tried to pay my account on time and this late is not my fault.
05/23/2015 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • FL
  • 33326
Web
I submitted a complaint in some time ago regarding monthly maintenance fees which went unresolved. As a result, in XXXX, through my online banking, I submitted an electronic message to BBT to close my account and send me a check or bill for money owed on the account. They failed to do so. Ultimately, the bank continued to charge my account maintenance fees despite my request to close my account.
09/05/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • CA
  • 95351
Web
I am preemptively filing to avoid all of the things described by the people here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not want to end up paying on this loan only to later discover that none of the payments show on the account or that I still owe more than stated 5 years down the line. I would like to know how to proceed with rolling back this loan or refinance through a reputable lender.
03/09/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • XXXXX
Web
On XX/XX/2019 I sent a letter to this company requesting removal of their inquiry on my credit report. I have no knowledge of applying for this company. I asked them to please remove the inquiry unless they have my permissible written copy with my hand writing as per the FCRA. This company is NOT being complaint with the FCRA, they told me they would not remove the inquire. This is a violation.
11/14/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • DE
  • 19702
Web
I have talked to regional Acceptance many times during my loan. I started paying on my vehicle XXXX XXXX XXXX in XX/XX/XXXX. My loan matured in XX/XX/XXXX. They are still saying I owe XXXX on the loan. I know that I may owe a little but it doesn't make sense to owe XXXX. It is like I never paid anything. I feel I am being taken advantage of. I'm not sure if this has happened to anyone else.
07/18/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • TX
  • 75093
Web
I opened an account with BB & T online, later I went into a local branch to double check my account type. The banker sent me an email about the account, which stated that the account does not have any fee ( quote : " No monthly maintenance fee '' ). However my account was charged a {$12.00} " monthly maintenance '' fee. I messaged BB & T on XX/XX/XXXX but BB & T never replied to my message.
03/14/2016 Yes
  • Bank account or service
  • Checking account
  • Making/receiving payments, sending money
  • VA
  • 24541
Web
Was charged a {$50.00} return item fee by BB & T on a loan payment that is {$100.00} per month. I did make the error as I tried to make an electronic funds transfer however I incorrectly entered my account t number. There was plenty of money in the account and I a, 3 months paid in advance. It seems ludicrous that the bank can charge a fee at almost XXXX % of the payment and get away with it.
02/09/2020 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • NC
  • 28031
Web
I deposited my XXXX XXXX check of XXXX dollars and XXXX cash into the atm. BB & T decided to hold all of the funds for 7 business and charged my account {$72.00} dollars in overdraft fees. They held my cash and did not even make it available. I went in to the branch and they reversed {$38.00} dollars. I 100 % believe this was not legal and I want all penalties reversed and returned to me.
07/15/2017 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • FL
  • 34953
Web
Was denied retrieval of funds by bank rep/teller by XXXX XXXX XXXX . After asking if I could write down amount of withdrawal ( instead of verbalizing as she requested ) she became rude. She then proceeded to advise me that signature was a non-match. Thus would not be able to disperse me my funds. There is a hold on my debit card preventing me from properly generating use of my money.
01/15/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • LA
  • 700XX
Web Older American
I sent the Branch Bank and Trust a payment of XXXX on the XXXX of XXXX 2016. The bank applied XXXX dollars to my loan and put the rest in there little hole. This is the XXXX time that this bank as done this to me. I filled out a complaint before but did not follow thru but I am going to follow this XXXX thru, the bank is stealing money my not applying the full amount to loan and holding it.
06/05/2018 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • GA
  • 30046
Web Servicemember
In XX/XX/2017 I expressed to BB & t that the account that was closed had a balance of XXXX and that the information was incorrect because i never used the bank account before. I had a representative say that they can waive the fees because it was not that much. I thanked her and almost a year later they are still reporting negatively on my consumer report as abusive behavior on my account.
03/05/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • XXXXX
Web
BB & T letter with provided dated XX/XX/XXXX account number ( see subject ) could not find any account with my information. They asked for information, I provided the account number they associated with the bogus account and they wanted an account number. There is no account. I have purchased 2 homes since and this is a non issue when I show letter. Stop reporting this false credit report.
04/01/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • MD
  • 208XX
Web
Hi, My name is XXXX XXXX I have a car loan with BB & T Bank ( XXXX # XXXX ) and It looks like the interest payment amount keeps going up instead of going down every month. I thought interest payment should decrease over time and monthly payment applied to Principal should increase. However, payment applied to principal keeps decreasing every month. This Bank is going opposite I need help.
04/17/2018 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • FL
  • 33510
Web Older American, Servicemember
XX/XX/XXXX I used BB & T online bill pay to pay my daughters XX/XX/XXXXreal estate taxes to XXXX XXXX, XXXX County tax collector. It was insufficient due to a late penalty being added, so they returned it to my bank account XX/XX/XXXX by the same electronic transfer thru their XXXX XXXX XXXX. ( See next complaint against XXXX XXXX XXXX ) ( Returned funds yet to be received by BB & T )
05/28/2016 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • PA
  • 17110
Web Servicemember
BB & T Provided Senior Vice President XXXX XXXX XXXX, provided false statements in Consumer financial Protection complaint, case # XXXX. Provided statement has no records of the account number or Social Security number provided. Account number is XXXX Letter date XXXX/XXXX/XXXX. This letter is the Lead to the International Complaint drafted. Under the Mines and Minerals Act of XX/XX/XXXX.
03/24/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • WI
  • 546XX
Web
Our auto loan company, Regional Acceptance Corporation, calls us XXXX times per day. They also call our work and they 've been told not to. We set up payment arrangements with them but they continue to call. I also told them I work XXXX shift and sleep during the day. They usually start calling around XXXX I will attach the letter I wrote to them this morning that specifies more details.
09/02/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • VA
  • 22015
Web
This is an 18 month interest free loan for 18 mos. The company on the statement continously shows interest charge and we have confronted them but they do not seem to correct it. Previous case # XXXX. They are supposed to charge me a nominal payment of {$250.00} per month for 18 months. This loan should not accrue any interest. Instead I am being charged {$180.00} interest per month.
04/06/2016 Yes
  • Credit card
  • Other
  • NC
  • 28150
Web
i paid XXXX companies on my bb t card that took my money and rendered no service.i called my bb t card to help me with this and was told i waited to long to dispute these XXXX charges.i explained what had happened that i had not received any goods or services ever.even with these circumstances i was out of luck.i expected more from bb and t.it was XXXX different charges of XXXX and XXXX
03/11/2019 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • NJ
  • 082XX
Web Older American
XXXX sent {$350000.00} wire to BB & T Bank in XXXX for recipient account, XXXX XXXX XXXX Fed Reference : XXXX Case ID : XXXX XXXX recalled the wire XXXX follow-up on recall XXXX follow-up on recall for the last month or so, different people at BB & T Bank keep telling my contact in XXXX that they will return the {$350000.00} to my account at XXXX XXXX XXXX, but it just does not happen
01/29/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MD
  • 20746
Web
XXXX XXXX XXXX identified me as Borrower on Car loan and I never had a car loan and it shows as repo/negative remark on my credit report ( XXXX ) and I needed it removed off. XXXX XXXX XXXX even went as far as Taking me to Court on XX/XX/XXXX. 2019 But the judge ruled in my favor and said the debt didnt belong to me. I filed a police report prior to court for fraud and it was honored.
02/06/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 76116
Web Servicemember
XXXX is incorrectly indicating there is increase in the balance owed by Regional Acceptance Corporation of {$260.00} which lowered my credit score. This is not correct, the original amount owed was {$16000.00} and the current amount owed is {$16000.00}. I have made no payments 30 days late. And there have been no late fees recorded on my statements. Statements attached for review.
07/22/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MD
  • 206XX
Web Older American, Servicemember
Every year when setting up my mortgage payment and establishing my escrow for my house insurance and tax payments, BB & T base the mortgage and escrow on an estimated tax instead of allowing the Tax Office to give them the correct amount. This in turn makes the tax office or the bank have to reimburse for overpayment of taxes which could be avoided if they would process correctly.
08/18/2015 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • MO
  • 63304
Web Older American
I asked my lender B B & T how to eliminate my monthly PMI payments and I followed all of there instructions and after getting the runaround for over 3 months they keep changing there guidelines, now they said I had to contact XXXX XXXX which I did and they said I qualified for the reduction and I had to go thru my lender and now B B & T has come up with something totally different
12/06/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • VA
  • 20121
Web Servicemember
I was charged a late fee for my mortgage payment by BB & T Bank, even though the payments are set to automatic bill pay ( from a different bank, with whom I have a checking account ). The bank from which the payment came states clearly that the eCheck was sent the day it was due ( the same day of the month on which it is always sent ), and it was received that same day by BB & T.
06/07/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • FL
  • 33024
Web
Back in XXXX XXXX I went to XXXX XXXX XXXX for an oil change and I came out driving a new XXXX XXXX XXXX XXXX . My monthly payments are currently {$530.00}. I have tried numerous times to get out of my issues but I have been denied over and over again. I currently owe {$17000.00} on a car that costs {$23000.00}. Which does n't make sense to me or anyone.
06/12/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NY
  • 10030
Web
I do not drive. Own a car. I have an identical twin sister, who purchased a car. The following companies have performed hard inquires on my credit report. Our social security number is very similar. However XXXX continues fail with resolution. When I contact these company they claim they do not have record of my account. And can not do anything further and its XXXX fault.
09/28/2016 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • VA
  • 22401
Web
I had been checking balances for XXXX of my checking accounts with BB & T and was charged XXXX over draft fees when there was still money in my account. After speaking with customer support and a branch manager, they were unable to describe to me the nature of the over-draft fees and why the math for these fees did not add up to the amount that is now posted in my account.
06/17/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • KY
  • 410XX
Web
I went to pay off my loan with BB & t, they told me they would not accept my payment. that I had to request a payoff and go through process. I had submitted for payoff. this was a branch manager that was going to hand me back my payoff checks and not payoff my loans. She ca n't refuse me this. A teller did take my money but for a manager to act this way was inappropriate
04/05/2015 Yes
  • Credit card
  • Closing/Cancelling account
  • VA
  • 201XX
Web
I have been a XXXX card holder with BB & T since 2008. I just learned that they put a XXXX block on my account for " susp [ ected fraud '' and then without contacting me closed the account. This reflects poorly on my credit report as it is listed as " account closed by credit grantor '' which is a derpgatory remark. BB & Ts action was arbitrary, capricious and negligent.
02/24/2019 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • AR
  • 720XX
Web Older American
On XX/XX/2016 I sold my side by side! I was givin a check witch was approve by XXXX XXXX The check was sent to them for the payoff witch was $ XXXXI got a receipt the the side by side was payed in full.Now they are trying to tell me I owe them {$13000.00} and are steadily adding interest.This has caused me a lot of stress.I wasnt able to get my XXXX XXXX refinanced.
02/22/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 77093
Web
Requested debt validation for account listed on report, I noticed that it's not 100 percent accurate regarding pay history, under the fcra sec 623 all data reporting must be accurate, complete and verifiable. The creditor and Experian have not provided verifiable proof on file used to validate the accuracy of all data reporting which is required by law upon request.
12/17/2015 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • MD
  • 21222
Web
i would like to file a complaint against BB & T for unfair overdraft fees. I appreciate that the banks offer of overdraft protection however, in 2015 I have paid over {$1000.00} in fees. Just in XXXX 2015/XXXX 2015 my fees alone totaled {$360.00}. I have reached out to the bank for assistance and they will only adjust your account for overdraft fees every 24 months.
11/29/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • NJ
  • 07652
Web Older American
I have payments of {$360.00}. a month for a 2012 XXXX XXXX. For the past two years everything was fine until I ran into some financial difficulties. If i miss a payment, they constantly call me several times a day.They also call my friends and relatives. I 've told them at least XXXX times to cease and desist. They still keep doing it. I want them to leave me alone.
01/10/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • GA
  • 301XX
Web
I bank with BB & T and there were three unauthorized charges on my account that were clearly not me. Along with that came over XXXX dollars in obnoxious fees. Now I wasnt able to pay my power bill which is horrible because I have XXXX kids living with me. To my surprise they denied the claim, because I'm just a number and they clearly dont care about their clients.
04/27/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • NC
  • 28025
Web
I continue to receive between 30 and 45 calls per week from Regional. I have received 3 voicemails within the last 2.5 hours during the work day. They continually call at exactly XXXX including on Sunday. Any reasonable person would agree that this is a violation and excessive. There is already a payment scheduled and I am still being harassed multiple times daily.
03/30/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NC
  • 28358
Web
I sent out letters and tried to rectify everything with you Financial institution I have asked them for they were confirming these were in fact my inquiries and I let them know that I had I didnt need that in the past two years and I had a lot of stuff that was not mine again I have asked them to remove these inquiries or show me proof in which they are unable to
06/13/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • TN
  • 385XX
Web
I paid off loan. There was an overage that BB and T did not send to me- they sent the overage to a 3rd party. Additionally, BB and T has my updated address but did not provide to the State of Texas so now my title is lost. I have sold the truck to a 3rd party and now I am unable to perform on fulfilling my obligations. BBT has tarnished my business reputation.
03/27/2019 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • PA
  • 190XX
Web
I opened an account on Saturday. I got a letter from a lawyer XXXX XXXX XXXX on Monday stating he need information about my account. The account has not been active yet and he has access to my information. I feel threatened as he can misuse my information to open other accounts or track my activities without my knowledge. It intrusion of my financial privacy.
12/14/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • VA
  • 201XX
Web
BB & T is showing activity on an account that has had zero activity since the account was closed in XX/XX/XXXX. This is only incorrect on the XXXX credit report. The account shows payments being made throughout XXXX, XXXX and XXXX, and then is showing failure to pay during XXXX, XXXX, XXXX and XX/XX/XXXX. No payments were made to this account sinceXX/XX/XXXX.
12/17/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Settlement process and costs
  • FL
  • 32256
Web
I was approved for mortgage with bbt bank, given closing date of XXXX, then XXXX, now no date.I am given XXXX poor excuse after another.bank has everything but still no date to close causing hardship and stress on me, the seller and related.I am going to be homeless, XXXX is ruined, incurred additional expenses because bbt bank ca n't or wo n't do their job
06/04/2015 Yes
  • Bank account or service
  • Other bank product/service
  • Problems caused by my funds being low
  • VA
  • 24541
Web
I am currently unemployed, due to my current financial situation between XXXX XXXX XXXX XXXX I was assessed {$430.00} in overdraft fees by BBT. I have exhausted all communication with BBT which ends up in me being frustrated. BBT 's Rep 's are not showing any mercy towards my current situation. An unemployed person can not paid back {$430.00} in bank fees.
08/22/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 27360
Web
Spoke to bbt, forwarded documentation supporting my claim of this account being fraudulent. It was agreed to be removed, but still showing on XXXX. I have also today ( X/XX/17 ) contacted my lawyer who will be sending out intent to sue letter, I have had my rights violated under the fcra. Asking that this account be removed from the XXXX file immediately.
07/05/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • PA
  • 182XX
Web
Last year our family needed assistance with our mortgage and taxes, so we sought a HAMP modification. It has/was approved, however there were 4 late payments reported on my credit report. However these were not late, they were paid at the reduced agreed upon payment. I would like these late payments removed from my credit as they were not late.. Thank you
08/12/2015 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • KY
  • 40391
Web
I never went in and signed any paperwork to start this account. Everything was done online. Once I realized that they had opened the account I ask them to close the account because my job did not offer direct deposit and they never did close it so the fees for not having direct deposit added up and now they are saying its my fault. I ask them to close it.
06/15/2016 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • DC
  • 20003
Web Older American
BB and T returned a {$400.00} check presented on a day a monthly electronic deposit of {$500.00} went into my account. My bank statement does not identify the returned item and states " XXXX items '' were returned. They provided no explanation for the return and charge my account a {$36.00} fee. Sent the bank an internal inquiry and they did not respond.
03/22/2015 Yes
  • Credit card
  • Late fee
  • GA
  • 31904
Web Older American
BB & T received an electronic payment on my account. On at least XXXX occasions, they took excessive days to post the payment, making the account past due and thus charging a late fee. XXXX instance was 9 days ( 6 business days ) ; the other was 13 days ( 8 business days ). They refuse to waive the late fees saying it takes several days to post payments.
04/25/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Information is missing that should be on the report
  • FL
  • 34472
Web Older American
I was divorced in 2013, husband has house and XXXX taken my name off the deed, but not off the mortgage with BB & T. He is telling me they say I need to sign a Quit Deed in order for him to remortgage. If my name is already off the deed, I dont see how this is necesary. I have sent them copy of divorce papers and called several times.Getting nowhere.
06/09/2015 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • AL
  • 350XX
Web
I get calls everyday around XXXX from BB & T Bank saying I owe over XXXX and telling my family member my business and calling early before XXXX each morning in which law states collection calls should be made after XXXX, I do n't owe XXXX it was less than XXXX because I lost my job. they call XXXX-XXXX times a day harassing us. the calls come from XXXX
10/02/2017 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MD
  • 212XX
Web
I XXXX XXXX desire to have a full accounting of a vehicle repossession from XXXX, including my balance before the repossession, and the price in which the vehicle was sold again at. Upon that time, I desire to work out a reasonable settlement with XXXX XXXX XXXX. Please respond by email through the Consumer Financial Protection Bureau at XXXXXXXXXXXX.
11/03/2016 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • VA
  • 226XX
Web
In reference to case number XXXX, you have closed the case although BBT gives me the run around and does not answer to charging {$36.00} per item when I opted out of the overdraft protection. In my view, you did a poor job. I did not report this to you so that you can compile statistics, I had hoped to get redress from the bank for abusive practices.
06/16/2018 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • VA
  • 234XX
Web
I applied for a credit loan and then paid in off on XX/XX/2018 through First Virginia. After it was paid off, First Virginia allowed someone to call over the phone, impersonating me, and apply for a second loan with my knowledge, consent, or a signature. Now, I'm stuck paying a loan off that I didn't ask for because they said they did nothing wrong.
01/05/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • OH
  • 45215
Web
I submitted a previous complaint # XXXX against Regional Acceptance Corp. Please refer to my original complaint which is the origin for contacting XXXX. Contacted the IRS when I received these letters stating I owed {$990.00} in which the IRS said ; it did not send no such letters. Attached XXXX scheme letters using the IRS as a way to obtain money.
09/09/2016 Yes
  • Bank account or service
  • Checking account
  • Using a debit or ATM card
  • GA
  • 30102
Web Older American
BB & T bank charges ISF fees of {$36.00}, even though at the time of the transaction and available balance is greater than the transaction. They lump up all pending charges with no regard of when the time of the debit transaction continue to charge ISF for each, even though there was a positive balance available to cover the majority of the charges.
11/20/2015 Yes
  • Credit card
  • Credit card protection / Debt protection
  • VA
  • 22204
Web Older American
I was called by the Fraud Department of BB & T bank, XXXX, alerting me to the fraudulent use of my credit card. I returned the call and was told a new card would be sent. I received new card but BB & T bank during XXXX branch visits could not verify charges, account numbers or fraudulent activity on any account. I am concerned this might be a scam.
02/05/2022 No
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Excess mileage, damage, or wear fees, or other problem after the lease is finished
  • NY
  • 11566
Web
Please refer to your XXXX. This account is for a XXXX car lease through XXXX XXXX XXXX from 2014 ... 8 years ago. I was put into collections because my last payment was for {$490.00} instead of {$490.00}. That is a difference of XXXX cents. I have XXXX children in college, and this is continuing to hurt my credit with all three credit agencies.
02/20/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • GA
  • 30512
Web
Mortgage was sold from XXXX to 3 different companies and wound up with BBandT. Each time mortgage was sold i was in a loan modification. I had just completed a loan modifi ation with bbandt on XX/XX/XXXX. Then without notification home was put up for foreclosure and bsnk bought it on XXXX XXXX, 2017. Found out by neighbor who saw it in the paper.
04/12/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • PA
  • 17110
Web Servicemember
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has filed false charges with the XXXX police department, XXXX XXXX XXXX, of XXXX XXXX failed to route my Cashier checks through the Federal Reserve. XXXX XXXX XXXX has failed to honor my Substitute Check Rights. Included with this filling is a copy of the substitute check the XXXX XXXX XXXX, failed to disclose.
05/30/2017 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • UT
  • 84096
Web
Branch Bank and Trust is reporting 11 late payments fr om XXXX - XXXX ... We were in the process of a loan modification and it is now complete. THe loan was modified under the HAMP program through the government which ALL late payments affiliated with the loan mod are to be deleted. They have yet to delete them and they need to remove them.
01/20/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 30101
Web
I contacted all 3 credit report agency 's and informed them I was a victim of their " inquiry issue ''. And needed all of the credit inquiries taken off all 3 credit reports. They did not seem interested and pawn me off. I 'm one of the real victims and not some person. Just trying to hack my credit report. Thanks for any help that can be given
06/17/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • TX
  • 76119
Web
regional acceptance is in violation of disclosing the details of my debt to a third party not authorized on my account to receive information. also i am getting at least 20 calls per day and i feel like this is stepping into harassment especially when they dont allow the phone to ring long enough to be answered or hang up when i do. please help
12/23/2016 Yes
  • Debt collection
  • Mortgage
  • Communication tactics
  • Frequent or repeated calls
  • GA
  • 303XX
Web
After BB & T flat out refused, multiple times, to accept my method of payment, I spoke with them XXXXXXXX times stating payment would be sent before XXXX XXXX, 2017. I have continued to receive multiple phone calls asking where the payment is. Again, they refused to accept my payment before the due date and are still refusing to accept it now.
01/29/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • WI
  • XXXXX
Web
On XX/XX/XXXX, the XXXX XXXX XXXX ( XXXX ) repossessed my vehicle, XXXX XXXX XXXX VIN # XXXX from my residence. XXXX 's manner of repossessing the vehicle is illegal in the State of XXXX. XXXX did not notify me by certified or registered mail of a right to cure and repossession which did not give me the rights to challenge the repossession.
04/02/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • GA
  • 30349
Web
I have had this account for over 12 years and now I am being told that the mother 's maiden name listed on the account is not what was submitted when the account was opened. my debit cards keep getting blocked and I have to use cash to make purchases and when I call in to get these resolved I get blocked by the mother 's maiden name issue.
12/07/2017 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • VA
  • 24112
Web Servicemember
BB & T has done ti to me again now they are XXXX my direct deposit to the point I ca n't provide any food for my family or even get present for my grandchildren for XXXX They are always too busy to work with customer to clear up such mess and they have XXXX assigned ot my account and prior she just blew me off and then has done such again.
08/15/2017 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • PA
  • 178XX
Web
0n X/XX/2017 I paid my local personal tax via check. One check for my husband and 1 for myself. Both checks in the amount of {$9.00}. Both checks have been cashed but my bank still has not posted them on my account. They show that they have cashed them but refuse to post to my account. It has been over two weeks that they have cashed them.
09/12/2016 Yes
  • Mortgage
  • Home equity loan or line of credit
  • Loan servicing, payments, escrow account
  • PA
  • XXXXX
Web Older American
BB & T is using 365 days this year to calculate their interest on my HELOC ( interest only ) loan with them. I believe 366 days should be used in the calculation. The use of 365 increases the actual interest rate charged above the actual interest rate agreed to and advertised. I contacted BB & T about this and have not received a response.
02/16/2016 Yes
  • Bank account or service
  • Savings account
  • Account opening, closing, or management
  • TN
  • 37876
Web
I tried to open a online savings account with them this year. They keep denying me an account. I gave them all the right information. I used to own a online account with them. I 'm not sure why they wo n't let me have this savings account. They once told me a the local branch I have to have both a checking and savings account. That stinks.
06/30/2017 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
  • VA
  • 236XX
Web
Payment date changed by 3 days as well as despite paying for over a year. If the interest rate was lower then payments would not be a problem. But they will call me 4 or 5 times a day on two different numbers. That 's 10 calls a day. And if I answer and as to call back because I 'm at work they threatened to reposes vehicle if I hang up.
12/14/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • NC
  • 270XX
Web
I have paid extra money on principle balance of home loan, the current LTV shows 78 % and the bank is not removing the PMI from my mortgage payment, they are stating that I must send in a written request, I explained that at 78 % LTV the law requires them to automatically terminate the PMI, they told me no I must send in written request.
10/11/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Credit decision / Underwriting
  • FL
  • 34957
Web Older American
I have been applying for a refinance of my condo mortgage since XXXX/XXXX/16!! Mu mortgage holder is BB & T I have been approved for 4 weeks and continue to wait for results $ $ $ I have contacted every complaint Dept. available!! Please advise!!! my name is XXXX XXXX tel. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX
09/26/2019 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Called before 8am or after 9pm
  • TN
  • 37040
Web
I have repeatedly told the people calling that they are calling me after XXXX XXXX CDT. I get calls repeatedly all day long after I have spoke with another representative to make arrangements. I am now being called late at night on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX CDT. This company threatens and bullies during phone calls.
01/22/2016 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • WV
  • 26501
Web
In general, I have been erroneously charged nearly {$500.00} in fees since year 2010 by the Branch Banking and Trust Company ( BB & T ) ( hereinafter " the bank '' ) I have reported this to them, and they have responded inadequately, and continue to deny to me in an unethically and likely illegal fashion reimbursement of these funds.
12/22/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • WY
  • 820XX
Web
I am late on my Auto loan with Regional Acceptance Corporation ( Phone : XXXX ) www.regionalacceptance.com, They are calling several times a day, often before XXXX, and frequently back to back calls or 3-4 calls within 15 minutes of each other, in addition to emails, despite my having contacted them and making payment arrangements.
08/20/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MD
  • 21014
Web
There is an Inquiry on my credit report that shouldn't be on my report from a company called Bb & T from XX/XX/2019!!! I want this inquiry removed as soon as possible. My named is XXXX XXXX XXXX. The persons name this inquiry belongs to name is XXXX XXXX XXXX!! Please removed this item at once from my XXXX credit report. Thank You
07/11/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • AZ
  • 85339
Web
My balance have not changed since 2012 ... never missed a payment until recently due to medical issues. I 'm currently on XXXX and trying to work with them. I have XXXX with XXXX and they threaten to get the car. My interest is too high and I 've been struggling to make payments. Is it legal to take money and no change in balance?
07/18/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • PA
  • 166XX
Web
After falling behind in my payments, Regional Acceptance Corporation hacked into my telephone contacts and social media contacts. They contacted multiple contacts including ex husband and current boyfriend 's family and advised them that I was not making my payments and that they needed to contact me and have me call the office.
10/04/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NC
  • 27401
Web
From XX/XX/2018 to present i have ben contacting the 3 cr to fix my credit.after many none validation letters from them all, i have this proof that i will provide that the information that is being reported is not accurate. many times it has been modified ( so that should not happen anymore only delete of this item will be just.
11/01/2016 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • CO
  • 80124
Web
On XXXX XXXX, 2016 Regional Acceptance Corp, a subsidiary of BB & T Bank took monies in the amount {$390.00} from my personal checking account at XXXX XXXX XXXX ILLEGALLY, WITHOUT MY CONSENT OR KNOWLEDGE OR AUTHORIZATION and has refused to return the monies upon demand. It cause my bank account to become negative with bank fees!
12/06/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • GA
  • 30339
Web
Opened a new account with BB & T on XX/XX/2018 under a {$150.00} incentive and have met the requirements and have not received the incentive. Have message the bank multiple times and the customer service representatives were unable to provide more information. I have attached the documentation where I have met the requirements.
02/20/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Credit denial
  • NY
  • 115XX
Web
In XX/XX/2016 I made a payment on my auto loan on the XXXX date past the due date for my auto loan. I have talked to the bank multiple times to have the late payment removed from my credit report and my request was refused. Payments for the auto loan have been made on time all the time and there never has been a missed payment.
02/15/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 76116
Web Servicemember
XXXX is incorrectly reporting an increase in the balance owed to Regional Acceptance Corporation of {$260.00} which lowered my credit score. This is not correct. The original amount owed was {$16000.00} and the current amount owed is {$16000.00} No payments have been made 30 days or more late. Statements attached for review.
03/25/2015 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • GA
  • XXXXX
Web
I am XXXX XXXX, a XXXX at XXXX XXXX. Branch banking and trust ( BB & T ) has caused mental harm and undo stress on me because of overwhelming, unfair returned check fees. They recently charged me XXXX returned fees for XXXX item. They refused to reimburse these fees to me. I can not afford to continue to be treated this way.
05/03/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • XXXXX
Web Older American, Servicemember
I deposited a check for XXXX and it is not any type of special check and the bank is holding it until the XX/XX/XXXX and I deposited it yesterday. The person I got the check from said it will be cleared today or Friday the latest, so my question is why is the bank holding it until next Thursday? Can you assist me. thank you
06/01/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • VA
  • 22031
Web
On XX/XX/XXXX I went to BB $ T to open a secured credit card for {$500.00} and at the end my application got denied even though I have a checking account with them I am a victim of fraud from XXXX bank and that is a card that I never opened They are also not helping me and think I used it since someone made the account
12/07/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • GA
  • 313XX
Web Servicemember
The vehicle in question was repossessed in XXXX 2012. There was no notification that this was going to happen. I sent them my XXXX XXXX prior to my departure. I was told by XXXX XXXX that those orders did not matter. I have sent the orders to them on two other occasions. They have put this on my credit report for XXXX.
07/20/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • NC
  • 27834
Web
I got a loan modification on my house and I thought the bank put the money that was owe on the end of my loan but they actually put a lean on my house. The company that the back out source my loan with went bankrupt. The bank claim that they do not know anything about lean. I want the lean removed and the debt cleared.
01/25/2017 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • NJ
  • 07740
Web
Account Number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2010 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
05/04/2016 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • MD
  • 20902
Web
Several months ago I opened a bank account via the mail. I have never received signature cards or account information advising of my minimum balance requirements.I have voiced my concerns via email, letters to the bank manager with no response. I am now being told I cant close my accounts without incurring more fees.
11/15/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 77056
Web
BB & T investigated fraudulent inquries from regional acceptance on my credit report. Their investigation was simply seeing if my information matched the address I put on the consumer dispute. This was not a thorough investigation and they said my credit was ran XXXX times. That should be a flag within itself.
02/05/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 32792
Web
My account was reported 30 days late I was twice I have never been late with my auto account I have reach out to bb & t many times submitting my reference # exc showing that it was an inaccurate reporting they was suppose to rectify the error which it still shows and its preventing me from closing out a deal.
08/31/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • NC
  • 28215
Web
XXXX XXXX XXXX {$9700.00} Opened XX/XX/XXXX Closed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX va XXXX XXXX XXXX XXXX I was the cosignor on this account to help someone obtain a vehicle. The vehicle was repossessed. The primary signee tried to make attempts to get low payments the company refused.
12/13/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NJ
  • 08055
Web
My bank who held my mortgage was sold quickly over a course of a few months. XXXX XXXX was bought by XXXX XXXX XXXX, then XXXX XXXX, and finally BBT. I believe that my mortgage was reported late for 4 months straight during this time in error which is now effecting my credit score to purchase a new property.
10/04/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Credit denial
  • VA
  • 229XX
Web
I authorized Branch Banking & Trust ( BB & T ) to make a hard pull on my credit for an auto loan. But they accidentally made XXXX hard inquiries within XXXX days of each other and hurt my credit by doing so. The first was made on XXXX XXXX and the second on XXXX XXXX. The second inquiry was not authorized.
02/18/2016 Yes
  • Bank account or service
  • Other bank product/service
  • Account opening, closing, or management
  • VA
  • 230XX
Web
The Branch Banking and Trust company has been harassing me recently in an attempt to collect a debt which has expired the statute of limitations in accordance to the state of Virginia. In addition, the Banking Institution has recently sent me an garnishment summons in clear violation of my consumer rights.
01/14/2016 Yes
  • Bank account or service
  • Checking account
  • Using a debit or ATM card
  • FL
  • 33351
Web
Consumer finacial protection in XXXX location they say that money in ATM was not taking which it was and then it they called back saying it when but that envelopes are needed when other branches told me none is needed and I requested no address on my checks. I just do n't time or patience for this. Thank u
05/19/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • WA
  • XXXXX
Web Older American, Servicemember
I noticed two hard copy pulled on my credit report without my consent one from XXXX XXXX, and another from a XXXX XXXX XXXX, on XX/XX/2018, that I did not give permission or consent to do. This dropped my score to XXXX, and I want this corrected, so my scores will be raised back to where it was or higher.
02/05/2018 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • FL
  • 33311
Web
On a weekly basis BB & T banking practices put me in an overdraft.. The bank takes from available which makes it pending.. And then will also charge an overdraft fee for a pending transactions when a pending deposit is credited / pending. The bank manager is annoyed with me and wants to close my account
07/07/2017 Yes
  • Money transfer, virtual currency, or money service
  • Traveler's check or cashier's check
  • Problem with customer service
  • NC
  • 28216
Web
I filed a complaint ( XXXX ) that was not addressed by the company to my satisfaction. The company withheld access to my funds f or 7 business days costing me {$120.00} in interest expenses. When the initial deposit was made the teller stated that ther e MAY BE a 2 day hold. They held it for 7 days.
06/15/2017 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MI
  • 480XX
Web
I called in XX/XX/XXXX to see w hat amount was needed to bring the account current. I was told I needed {$3800.00}. I called back about a week later and paid {$3800.00}. I 've made payments on time since I supposedly brought the account current. Now I 'm being told the account is past due {$1200.00}.
12/24/2016 Yes
  • Bank account or service
  • (CD) Certificate of deposit
  • Account opening, closing, or management
  • NC
  • 27263
Web
Used BB & T Investment services. Invested {$30000.00} into XXXX indexed brokered CD product starting XX/XX/2010. At maturity BB & T claimed that there was no return whatsoever, despite a colleague checking on the product annually to see how it was doing. Would like bank investigated in regards to this.
01/04/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • NC
  • 28352
Web
It 's BB & T calling every morning at XXXX in an attempt to collect a debt for a charged off account. This phone number does not belong to the person owing the debt, but does belong to a relative of the person. It 's annoying because its not a live person but a recorded message. Please stop these calls
12/18/2015 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • NC
  • 28262
Web
someone used my information to obtain a loan on a vehicle that I have never owned. and it is showing up on my credit after notifying the company that my stolen identity was used to obtain this loan no 0ne would ever respond this is after getting a police report and notarized id theft affidavit as well.
12/07/2016 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • PA
  • 17110
Web
XXXX XXXX of Susquehanna Bancshares XXXX XXXX, filed false legal charges against me by not give me my Rights to a Substitute Check and not fully disclosing my terms the the XXXX Police Department at the time during the interview with the XXXX Police Deparment officer named in XXXX of Pa Docket # XXXX.
10/18/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • WV
  • 26003
Web Older American
I want to cancel the monthly automatic ACH from my BB & T bank account and switch it to another one ( our property manager ), but BB & T 's mortgage division 's answering service will not connect me to an agent and keeps telling me to call back. My account has been overdrawn 3 times now as a result.
09/02/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • VA
  • 201XX
Web
In my filed complaint BB & T did not answer the following questions. How can funds received for on time payment by BB & T get posted and reported as late? See attached XXXX statements. 1. Explain where did my money go. 2 Why my payments were not posted correctly to my account as on time payments.
12/29/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • NJ
  • 088XX
Web
I logged in my account on XX/XX/2019 and I noticed my accounts were frozen and could not use my debit cards and I didnt get my payroll direct deposit. I also have a business account with this bank and Im not sure what is going on. Customer service did not give a reason for my accounts being closed.
12/15/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • CA
  • 92373
Web
Regional Acceptance has been contacted my cell phone 4-5 times a day via auto dial & wo n't leave messages. Additionally, on XXXX/XXXX/15 they did call me and leave a voicemail at XXXX XXXX PST - which is a clear violation of the FDCPA to contact me prior to XXXX XXXX PST as I reside in California.
12/30/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • FL
  • 32174
Web
I have one business account and one personal account. The bank said that the only accounts that I have, they are hiding a account in my name.I go to the bank and they are laughing at me when I ask for a print out with everything in my name they do not want to. This is been going on for over year.
10/12/2016 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • GA
  • 30014
Web
I am opted out of overdraft protection at BB & T. I have been charged an overdraft fee on numerous occasions, even as i have been opted out of all overdraft protection for over 30 days. I would like to launch a formal complaint against BB & T charging me when i have not authorized overdraft fees.
09/30/2016 Yes
  • Bank account or service
  • (CD) Certificate of deposit
  • Account opening, closing, or management
  • KY
  • 41017
Web
I transfered an IRA account from BB & T bank. This account was origionaly with the XXXX. BB & T deducted XXXX Dollars from the account when they transfered it. The instition which I depsoited the money origionally would not have done this. This deduction was done without them telling me about it.
10/06/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • CA
  • 90044
Web
The credit balance of the account is XXXX and all the outstanding debts were waived by the company and yet the information has n't been given to the credit agencies. I would like for Regional Acceptance Corp to immediately send the updated information to all XXXX of the credit reporting agencies.
08/22/2015 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • KY
  • 40391
Web
I had a bank account with Bb & t Bank. In XXXX Ky. They overdrafted my account by charging me a monthly service fee. I had the account for multiple months and was never charged it before. So of course I refused to pay it so now they have me blocked in the XXXX and showing up on my credit report.
09/27/2019 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • DC
  • 20009
Web
An account was fraudulently opened in my name with BB & T. They are aware, and yet have not closed the account. I continue to receive notifications about it. BB & T makes it nearly impossible to speak with a representative, and after hours on hold you just get told that they can not help you.
07/16/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • GA
  • 30135
Web
Had unauthorized charges on account, disputed, no one ever contacted me. Also, had a separate account with nearly {$2000.00} that was not linked to the one in reference, can not access it. Also, during the same time frame, I was not able to log on or get any information from automated system.
09/21/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Non-sufficient funds and associated fees
  • VA
  • 243XX
Web Older American
BB & T charged me 4 overdraft fees of {$36.00} each when only one charge resulted in an overdraft of just a few dollars. They actually charged a fee for a charge made a few days earlier when there was no overdraft I paid {$140.00} in fees for four charges made which totaled about {$100.00}
02/15/2016 Yes
  • Debt collection
  • Auto
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NY
  • 10512
Web
a car loan for XXXX per month for 72 months was original agreemen. 6 months of extensions at various intervals during course of loan loan maturity was extended to XXXX 2016 .I WAS TOLD ATTHAT TIME XXXX WAS STILL OWE.THIS SEEMS LIKEAN EXHORBITANT AMOUNT OF INTEREST FOR A 6 MONTH EXTENSION,
01/11/2016 Yes
  • Bank account or service
  • Savings account
  • Account opening, closing, or management
  • FL
  • 34203
Web
I was unaware that I am being Charged an inactive fee from BB & T bank in the amount of $ XXXX/month.I have it just as a little savings and my safety deposit box is also with them.These " fees '' should be deemed criminal, just because I do n't use the account once a month I am punished.
08/20/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • PA
  • 19138
Web
My XXXX XXXX XXXX was stolen and the insurance company paid the claim. After the insurance paid the claim I was still left with a balance. In XXXX I made a settlement and upon payment this debt was to be removed from my credit report. This is causing me not to be able to get a vehicle.
04/23/2018 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • GA
  • 306XX
Web
Can you explain this transaction please? : XX/XX/18 Description : PRIOR DAY RET ITEM FEE- $ XXXX/ITM Amount - {$36.00} Why is there a return fee, it's my cash. Provisional credit is so I may use it as my own and that's what I did I refuse to pay a fee to use my own money. Ridiculous.
09/14/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33647
Web
this debt is showing on my XXXX credit report its not mind this account was opened in ohio i NEVER been or lived in ohio, i called them and wrote them and they still can not find proof its mind there causing harm to my name and credit report they dont even have my correct social XXXX
08/01/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MD
  • 21784
Web
My applied to refinance the Home equity line of credit. They wanted my income for the loan calculation. At no point did I authorize them to pull my credit report. Nor did I sign any paperwork regarding this new loan. The following day I get an alert they had pulled my credit report.
10/20/2017 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • MD
  • 21136
Web
a family gave me a {$1000.00} check for my birthday I cashed it on XXXX XXXX and the bank froze my account, my account says I have a total of {$860.00} now after maintenance fees have been payed every month sinceXX/XX/XXXX but my account is still locked and I cant purchase anything
05/27/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • GA
  • 30533
Web
I received an international wire transfer from my employer a week ago. BB & T has been holding all access to my account pending an investigation. I have submitted proof of employment. BB & T charged my account for posting this transfer, yet they will allow no access to my funds.
08/03/2018 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • XXXXX
Web
I have disputed XXXX XXXX many times because they continue to report inaccurate information such as the balance and notating it as key derogatory every month which causes my credit score to go down. They continue to confirm and verify the information is reporting inaccurately.
12/14/2019 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • VA
  • 22304
Web
For my old BB & T account XXXX, every month between the XXXX and XXXX there was a charge around $ 2,600- {$2700.00} from XXXX XXXX or XXXX XXXX. This was every month my account was open. I never authorized any of these ACHs and would like each one to be refunded/charged back.
04/29/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 34769
Web
I defaulted on this loan. I am trying to obtain a mortgage, but he loan is apparently showing twice on my credit report for lenders - once as a delinquent account and once as a charged-off account. I have tried to dispute with the bureaus, but XXXX XXXX will not correct it.
06/19/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 30043
Web
On XXXX/XXXX/2017, XXXX XXXX XXXX filed a credit inquiry without my authorization. I have n't had any need of purchasing a car and this is a fraudulent inquiry that I would like taken off of my 3 credit reports. I 've already reached out to them directly but to no success.
03/20/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • NC
  • XXXXX
Web Servicemember
A XXXX XXXX was repossessed by Regional Acceptance Corporation on XX/XX/2017 & I called Regional to see where the vehicle was towed to so I could recover my personal property & tag from the vehicle asap & they claimed they did n't know where it was & I know that 's a lie.
04/04/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NC
  • 28358
Web
OK so I have file to complain and try to get paperwork seeing where I supposedly applied for some kind of XXXX thing Im asking again for documentation with my signature on it that I have signed to apply for this I have never even been to this company or seen this company
03/12/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • NC
  • 27529
Web Servicemember
Working with XXXX XXXX XXXX on a loan and when I fell behind they sent in repossessed and recovered the vehicle XX/XX/2015. Vehicle was sold without my knowledge and I didn't receive anything about sale of vehicle. XXXX and XXXX are still showing this account of report.
01/11/2018 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • VA
  • 228XX
Web
I have had {$280.00} dollars in returned item fees between XXXX and XXXX. On both occasions the day before I have shown a positive balance in my account with nothing pending and I wake up and have over {$100.00} to the negative. This has been an ongoing issue with bb & t
04/03/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MD
  • 20746
Web
Regional acceptance corporation has and hard inquiry on my credit report from XX/XX/2018 can not get incontact with this company, I have never went into any car dealer to purchase a vehicle called the number that's on my credit report and it just goes to voice mail XXXX
02/25/2016 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • AL
  • 366XX
Web
I have a issue where Bb & t has withheld funds since XXXX 2015. My account was abrubtly closed without given me a reason with $ XXXX in the account. Ive attempted to resolve this numerous times in the branch that I opened the account and no one can tell me anything.
02/15/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • GA
  • 31088
Web Servicemember
Some one has stolen my identity and changed my SSA check from my savings account to my checking account. My checking account keeps getting hacked and hit with all types of charges. They have also taken my XXXX XXXX XXXX Records and I believe they will commit fraud.
11/20/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Report provided to employer without your written authorization
  • AL
  • 36301
Web Servicemember
I have been writing these companies trying to get these unauthorized inquiries off of my credit report..I did not apply for credit with these companies. I have written them several letters asking them to remove these inquiries, but they have repeatedly told me no..
04/19/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • KY
  • 40047
Web
BB & T charged me 5 overdraft fees in the last week, one on a {$10.00} item. I understand some of them, but there has to be common sense you can not charge 3 times the withdraw in fees. They even charged me when my direct deposit was showing in the account status.
04/09/2019 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Called before 8am or after 9pm
  • GA
  • 30291
Web
Step 1 : What is this complaint about? Regional Acceptance has continued to call me daily. They called me at XXXX pm and when asked why they are calling so late they will hang up the phone. This is not the 1st time that they have harassed me during sleeping hours.
02/20/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • XXXXX
Web
At the end of my XX/XX/XXXX statement it says I had a balance of XXXX. On XX/XX/2019 I had made a payment on the amount of XXXX to pay off my current balance. It dropped my credit score 35 points because it states that I had a high balance, and missed a payment.
06/30/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • FL
  • 32164
Web
I have been working with XXXX for over 3 years. My auto loan is at a rateof 24 percent. The phone calls are relentless beginning at XXXX daily. I am trying my best withthese people but nnothing is good enough. I am exhausted due to their overwhelming phone calls.
02/26/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • GA
  • 30066
Web
Issue : Unlawful charging of Interest Mortgage : BB & T {$140.00}. on XX/XX//2019 We called and were transferred 6 different time. Finally got a manager not he phone and was told now I needed to call into a local branch which was already done with no resolution.
03/21/2018 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Didn't receive terms that were advertised
  • NJ
  • 085XX
Web
Hi I opened a BUSINESS VALUE XXXX account on XX/XX/2018. The account was opened with promo code XXXX which is for {$300.00}. I am having difficulty with online customer service in confirming that the account is coded correctly and as to when the bonus will post.
08/20/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AL
  • 362XX
Web
I have reviewed my credit report and found inaccuracies from XXXX XXXX. i sent them a letter asking them how i still owe your company for this debt. I have received a XXXX on this account and i do not owe this company. This company is taking away my FCRA rights.
12/19/2017 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • MD
  • 20774
Web
they blocked my account for no reason. This lady was being unethical and my son reported her and she is upset and place my account on hold for now almost 30 days for no reason. They have been provided all information and still have placed a hold on our account.
01/04/2017 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • AZ
  • 85085
Web Servicemember
The company reported a late payment on my report when I informed them that I set up my auto draft on heir website. I 've asked them to remove the late payment and I set up the auto draft through my bank instead. They refused. My score dropped because of this.
02/26/2017 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • GA
  • 30068
Web Older American
BB & T employees XXXX, Assistant Vice President, and XXXX, Retail & Small Business Leader, have independently and together colluded to ; obstruct the instructions given to me by BB & T Branch Banker, XXXX ; and, prevent the refund of bank fees to my account.
09/02/2016 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • FL
  • 33020
Web
I transferred {$2000.00} to my HSA account on XXXX/XXXX/16. It was removed by BB & T on XXXX/XXXX/16. I went to the bank XXXX/XXXX/16 & was promised that the money would be credited to my checking account. On XXXX/XXXX/16, it was not credited to any account.
06/06/2017 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • TX
  • 752XX
Web
XXXX XXXX XXXX contacted me continuously asking for money while i was in bankruptcy. Once my case was dismissed they had men contacting me threathing to murder me of i did n't return my car. I was calked a XXXX and told i woul be murdered u am still afraid.
11/20/2015 Yes
  • Bank account or service
  • (CD) Certificate of deposit
  • Account opening, closing, or management
  • PA
  • 170XX
Web Older American
Redeemed cd at BB & T bank, XXXX XXXX, PA. They were unable to give me either a check or cash. Had to open a checking acct to have access to my funds. Did not want a checking acct. fortunately was able to close out that acct the next day at another branch.
06/02/2015 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • NC
  • 27405
Web
Charged {$320.00} in overdraft fees because my account was showing I had more money than what was available and the bank said it 's because some items were pending and the charges occur often the items go through regardless of the order of the purchases.
06/28/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • VA
  • 229XX
Web
I PAID A COMPANY CALLED XXXX XXXX ON XX/XX/2016 {$1600.00} USING MY CHECKING ACCOUNT. THIS COMPANY TOOK ADVANTAGE OF ME. THEY DID NOTHING AT ALL FOR ME. I TRIED TO FILE A FRAUD WITH MY BANK AND IT WAS DENIED. THE COMPANY WON'T RESPOND TO ME OR ANYTHING.
07/13/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NC
  • 27526
Web
Regional Acceptance is a charged off account back in XX/XX/2015, this vehicle was sold at the auction without letting me know that I had the option to purchase it back. I receive no notice of the sale only after what I had to pay, which was {$9900.00}.
10/29/2015 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • KY
  • 41051
Web
The bank BB & T has excessively charged me overdraft fees. I suspect that they reorder transactions at night for batch processing posting debits before credits. They then settle for the day before applying any credits. My bank statement can prove this.
05/02/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • DC
  • XXXXX
Web
OnXX/XX/2018. I applied for a loan modification so that my monthly mortgage payments is to be lowered to under {$500.00}. I have been asking for this ever since I became a separated divorced low income senior citizen and had my hourly wages reduced.
12/19/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • TX
  • 76123
Web
I 've sent a request to get validation on my current vehicle account and I 've never received a response. I 've had great payment history with this company since XX/XX/2013. They reported a XXXX day late payment and I 'm unaware of the late payment.
07/23/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NC
  • 28269
Web
I pulled my XX/XX/XXXX credit report and found REGIONAL ACCEPTANCE CORPORATION had pulled my credit without authorization on XX/XX/2018. I sent them a letter to remove the unauthorized inquiry and they have not responded so I am filing a complaint.
07/15/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • TX
  • 758XX
Web
On my car loan its says XXXX finance fee ... but I am being billed at {$15.00} a day. Does the finance rate and the cost per date ... add up ... I have paid {$4500.00}. In XXXX months and only about {$1300.00}. Has been applied to the principle ...
05/29/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • TX
  • 782XX
Web
BBT HAS ILLEGAL RECIEVED A COPY OF MY XXXX AND XXXX CREDIT REPORT FOR A PURPORTED VECHILE LOAN I NEVER APPLIED FOR, LISTING XXXX XXXX XXXX USING MY SSN NUMBER AND RUINING MY CREDIT REPORT AND CAUSING A MIXED FILE I WANT THE RECTIFICATION IMMEDIETLY
09/15/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • PA
  • 182XX
Web
I have had issues with the proper reporting of my home mortgage. My credit report is not correct and I was told it would take 30 days to correct. This has been going on for months now. Please reflect an open BB & T mortgage with XXXX late payments
07/16/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • VA
  • 22903
Web
Opened a checking account from the bank with a promotion. Also confirmed the promotion/offer details with the phone representative when verifying application details. Met all the requirements for the promotion but did not get the promotion bonus.
11/26/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 91942
Web
XX/XX/18 Regional Acc made an unauthorized, fraudulent hard inquiry to my XXXX report. Attaching my police report for related identity theft/fraud. XXXX instructed me to contact each company making fraudulent inquiry on my report individually.
06/25/2015 Yes
  • Mortgage
  • Home equity loan or line of credit
  • Loan modification,collection,foreclosure
  • MD
  • 21742
Web
Filed with my XXXX lien bank, Susquehanna Bank, for a short sale over 45 days ago. They have not been responsive, nor have they scheduled an appraisal to date. Failure of Susquehanna to respond could affect payoff of my XXXX lien with XXXX XXXX.
10/03/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • You never received your bill or did not know a payment was due
  • MD
  • 211XX
Web
I was shocked when I reviewed my credit report and found late payments on my credit report from XX/XX/2017. 30 day late XX/XX/2017 I am not sure how this happened. I believe I have made all of my payments to you upon receipt of the statement.
08/19/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • UT
  • 840XX
Web
Regional Acceptance #XXXX was included in my bankruptcy. However they are currently updating and showing a balance and this is negatively effecting my credit. It should not be updating and reporting lates when it was included in the bankruptcy.
03/09/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TN
  • 37013
Web
BBT XXXX pulled my credit 3 times without authorization for 2 of them. Only applied one time. I got back to them but they don't want to fellow up. XXXX XXXX pulled my credit without any authorisation I don't even apply any of their services.
02/23/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • GA
  • 30087
Web Servicemember
A family member who asked me to put their bank account in my name has racked up {$610.00} in overdraft fees. They are currently not able to pay because they are XXXX. Ive tried to schedule payments to pay this, but I still cant find a way out.
06/21/2018 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • MD
  • 207XX
Web
First complaint filed with BB & T Bank not answered properly, I asked for specific information that was not address in response, I hereby request BB & T has violated my rights and request to be removed from XXXX and XXXX XXXX at once XXXX XXXX
04/06/2016 Yes
  • Bank account or service
  • Other bank product/service
  • Account opening, closing, or management
  • FL
  • 34759
Web
someone opened an account with Bb & t it was not me I have proff of the address I was living at I was living in XXXX and the account was used in XXXX Someone stole my identity and put checks into the account I would like to take care of this
08/29/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • VA
  • 23435
Web Older American, Servicemember
BBT REFUED TO INVESTIGATE AND ACCOUNT THATS DO NOT BELONGS TO ME BUT WAS USED TO PAYA XXXX ACCOUNT FROM XXXX ACCOUNT CLEARLY NOT MY ACCOUNT XXXX SAY I AM4 MONTHS BEHIND ON PAYMENT MY SCORE DROPPED 50 POINT THIS IS NOT MY ACCPUNT NEITHER ONE
01/31/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • TX
  • 75082
Web
Ihave received a wire from my bank of the total amount XXXX $ from an investor in my business account. They hold the account for review since last Friday the XXXX. I need to have access to my funds immediately as its my rights to do so
11/15/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • PA
  • 19606
Web
On XX/XX/2018 I went to a branch at BB & T to STOP the authorization of Overdraft Protection. I signed all necessary paperwork and still have not been unenrolled in this program. It has cost me {$300.00} worth of fees in 3 three months.
01/15/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30024
Web
I did not authorize a hard credit pull of my credit. I only authorized a soft pull. Any hard pull of my credit is to be reduced to a soft pull or removed altogether. No authorization was given to have a hard pull of my credit file.
01/09/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • PA
  • XXXXX
Web
My account was closed due to a XXXX balance for a couple months but I was not made aware that this would happen. Also, I enrolled for a {$250.00} bonus offer ( see attached ) and completed all the requirements but never received it.
09/16/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • NC
  • 275XX
Web
After numerous failed attempts to have Regional Acceptance Corp. To verify this so called debt that I do not owe them. They will not yet send me verification and they are reporting negative accounts on all XXXX of my credit reports.
04/13/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • AL
  • 36109
Web Servicemember
These companies are doing hard inquiries on my credit reports whenever the feel like it. there are no information on these companies except for the names which are " XXXX XXXX '', " XXXX XXXX XXXX '', and " XXXX XXXX XXXX XXXX ''.
02/09/2017 Yes
  • Mortgage
  • Home equity loan or line of credit
  • Application, originator, mortgage broker
  • FL
  • 339XX
Web Older American
My wife and I were rejected for a Home Equity Line of credit despite the fact that we have over seven million dollars in net assets and credit scores of XXXX. We believe we were rejected because of our age - we are both over XXXX.
05/31/2016 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • SC
  • 29203
Web
I filed a complaint years ago and it was resolved, BBT Bank closed the account and did not send me the money .Bank account was for XXXX XXXX XXXX XXXX XXXX XXXX XXXX The money was never recovered nor did the bank did me a refund.
03/28/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Credit denial
  • SC
  • 293XX
Web
XX/XX/19 received letter in mail regarding denial of car loan due to credit score Called number listed Was asked to give my social Told there was no information and to call the dealer. Company was regional acceptance cooperation
11/02/2016 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • OH
  • 45840
Web
I was trying to close my BB & T checking account but was unable to do so because there was no way to contact customer service. All phone numbers led to an automated system where I can not talk to someone to close my account.
06/04/2017 Yes
  • Checking or savings account
  • Other banking product or service
  • Closing an account
  • Company closed your account
  • VA
  • 245XX
Web
Someone claiming to be from BB & T responded to my complaint number XXXX . I could not send online feedback because my consumer rights is threatened by error or related matters. Time is important. Attendance is a plus.
10/03/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • SC
  • 29405
Web
On XX/XX/XXXX I opened my account at BB & T and I made about 3 deposits and now as it is XX/XX/XXXX I have about 3 to 4 overdraft fees up to {$180.00} dollar and I don't know why.I would like this issue resolved. Thanks
09/05/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • NC
  • 27407
Web
Overdraft applied and posted while transactions still pending .... Argumental document provided by bank not even in chronological order. I HAVE SEVERAL EMAILS AND COMMUNICATIONS IF FURTHER DOCUMENTATION IS NECESSARY
11/28/2015 Yes
  • Bank account or service
  • Checking account
  • Using a debit or ATM card
  • GA
  • 30329
Web
Deposited XXXX $ into an ATM, it spit back XXXX $ the machine then ended the transaction with no credit to my account. Contacted bank ( BBT ) they started a review and then credited my account XXXX $ shorting me XXXX $
09/13/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MD
  • 207XX
Web
Bb & T performed XXXX hard inquires on my credit. They kept processing my application without my consent, because they kept repeating misinformation. They processed my information for a credit card without my consent.
09/04/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • NY
  • 140XX
Web
I signed up for {$200.00} promotion with direct deposit. I completed the requirements and told I would get the bonus shortly even though it had passed the stated timeframe to pay. I still have not received the bonus.
08/26/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MD
  • 21401
Web
Upon reviewing my credit report I've multiple inquiries that were not authorized by me. The unauthorized inquiries are as follows : XXXX XXXX. XX/XX/XXXX Bb & T XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX
04/11/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NC
  • XXXXX
Web
Complaint number : XXXX Date submitted to CFPB : XX/XX/2018 Product : Mortgage We write and enforce rules that keep banks and other financial companies operating fairly. I guess that statement is totally bogus.
03/22/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • FL
  • 32164
Web Older American
My finance requested that I place {$5000.00} in a BB & T bank in Florida to be credited to a BB & T bank account in Texas. The BB & T branch in texas refused to place the funds into the intended account in Texas.
03/15/2017 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • SC
  • 293XX
Web
I deposit a {$6.00} check to my BB & T checking account and the bank mistake it for a {$6000.00} check and credit me {$100.00} to my account. not knowing i use the {$100.00} and now I been hit with overdraft fee.
10/11/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Money was taken from your account on the wrong day or for the wrong amount
  • VA
  • 22407
Web
I have automatic bill pay through BB & T for my auto loan with XXXX car loans. The automatic debit is set up for the XXXX of each month BB & T on their own without my permission pulled out the money on the XXXX.
05/17/2019 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Didn't receive terms that were advertised
  • OH
  • XXXXX
Web Older American, Servicemember
There was an on-line offer to open a new checking with specific requirements to receive a {$200.00} bonus. I met all those requirements listed in the offer and now the bank refuses to pay me the {$200.00} bonus.
03/28/2017 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NC
  • 286XX
Web
Receiving repeated calls from the collector for a person that does not reside at my residence. We do not know the person. They have been told this numerous times now yet they keep calling, sometimes twice a day.
10/30/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • OH
  • XXXXX
Web Servicemember
I have advised this company several times not to contact me a work, however they have persisted and continue to call me at my job and have put my state of employment at risk due to the numerous phone calls.
02/02/2017 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • LA
  • 70122
Web
My account with Sheffield Financial Corp was opened XX/XX/2008 and paid off, they keep reporting the account on my XXXX Credit report even after I keep asking them to remove it because its over 7 years old.
12/14/2018 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • TX
  • 77095
Web Older American
As shown on the attached scan, BB & T has opened Banking Accounts ( checking I believe, and an e-Savings account ) and a credit card which I did not request. It appears they were opened on XXXX XX/XX/2018.
04/20/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • DE
  • 19808
Web
I got an auto loan via Regional Acceptance in XX/XX/2011 for a vehiclecosting 25,000 and after 3 and a half years of payments, theprinciple on the loan has only dropped {$5000.00} after paying $ 600a month
03/23/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • FL
  • 34232
Web
I am late on my car payment and Regional Acceptance Corp has been calling at least XXXX of my friends yesterday. This is illegal in Florida to my knowledge and I would like to file an official complaint.
12/19/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • AL
  • 368XX
Web
I got a loan in 2008 and I am still paying. I will never get this paid off. It was financed for 7 years and at the end of that I was told I still owed money. I have been paying on this car for 9 years!!!
11/25/2015 Yes
  • Money transfers
  • International money transfer
  • Wrong amount charged or received
  • FL
  • 33183
Web
I sent a XXXX wire transfer to XXXX, but in the XXXX bankthey say they only received XXXX XXXX. over XXXX dollars are lost. my bank here says they send it, and the bank there says they only receivedXXXX
10/06/2015 Yes
  • Bank account or service
  • Other bank product/service
  • Account opening, closing, or management
  • VA
  • 22405
Web
I requested my bank close my IRA account and refund the money to me. BBT agrees that they owe the money. That was 6 weeks ago, XXXX emails and XXXX phone calls ago and I still have not received my money.
02/16/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • FL
  • 34476
Web Servicemember
BBT once again is overcharging my escrows account by almost {$1000.00}. I have been dealing with this issue since XXXX 2015 and they are still messing this up. I DO NOT WANT TO OVERPAY AND I SHOULD N'T.
11/09/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 33428
Web Servicemember
I visited a local lawn mower store by the name of XXXX XXXX. I received a quote for a lawn mower for {$10000.00}. As of today, XX/XX/2019, a loan was submitted on my behalf, without a binding contract.
12/17/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • NJ
  • 07501
Web Older American
I 've already filed a complaint with you against Regional Acceptance Corp of North Carolina. All I want to do is lower my monthly payments to {$250.00}. a month or less. They tell me they ca n't do it.
10/11/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • FL
  • 33025
Web
Account : REGIONAL ACCEPTANCE CORP shows past due 30 days on XXXX, XXXX AND XXXX credit report. Account is closed and paid. As they have accepted last payment and account is in agreement. Never late.
06/28/2016 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • GA
  • 30083
Web
On XXXX XXXX BB & T ran a hard inquiry on me when I was trying to open an business checking account under my XXXX XXXX and I gave them my tax id number. Now I have a hard inquiry on my credit report.
10/15/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • FL
  • 33556
Web
On XX/XX/2019 unverified charges were made on my credit card totaling over {$1000.00}. I disputed these transactions, but BB & T decided that these charges were legitimate and will not reimburse me.
10/01/2017 Yes
  • Debt collection
  • Auto debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • TN
  • 371XX
Web
Company contacted distant relative relating information about the debt owed. Told said relative who they were and why they wanted to locate me. Have requested no contact with 3rd parties previously.
12/17/2019 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Didn't receive terms that were advertised
  • GA
  • 30022
Web
I opened a bright checking account with BB & T, because they advertised a {$250.00} bonus if all of the requirements were met within 60 days. It has been 3 months and I havent revived my bonus yet.
01/18/2017 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • MD
  • 20785
Web
My checking and savings account both had maintenance fees charged this past month. I HAVE NEVER BEEN charged this before and never provided an explanation on why I was charged this on my accounts.
09/16/2015 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • VA
  • 221XX
Web Older American
Bank issued counterfeit bills and refuses to thoroughly investigate the issue to prevent reoccurrences and make the claimant whole again. The bank in question is the BB & T bank in XXXX, Virginia.
08/14/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • LA
  • 70737
Web Older American
I thought with Reg CC changes under Dodd Frank we were supposed to get XXXX the next day on delayed availability. BBT only still makes XXXX available the next day. Is this legal? I dont think so.
07/31/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • XXXXX
Web Servicemember
Do not finance with Regional Acceptance they will ruin your credit and trap you in a loan agreement where you are not able to reason trade if you are upside down this loan company is terrible.
04/02/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • XXXXX
Web
I have contacted them several times about 3 late payments that were not late and they told me that they would fix it. They fixed one late payment in XX/XX/XXXX but notXX/XX/XXXX or XX/XX/XXXX.
07/29/2017 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • VA
  • 22554
Web
It 's XX/XX/XXXX, and i worked an six hour shift in XX/XX/XXXX and it said i made {$XXXX} i make {$XXXX} an hour there is no way i only made {$XXXX} out of six hours and my bank info is wrong.
08/16/2016 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • GA
  • 30045
Web
Automatic draft of XXXX submitted bank charged XXXX for returned item, then another XXXX for an over draft. Item retried under automatic and again another XXXX OVER {$400.00} worth of charges.
10/15/2018 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • NY
  • 146XX
Web
I have tried on numerous occasion to speak with company in regards to having debt removed from credit report but nothing has been done. Account is apart of bankruptcy and should be removed.
06/08/2017 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • VA
  • 246XX
Web
This is a small town bank who is abusing their authority and returning my checks for irregular signature out of spite even tho they have been contacted and know the checks are authorized
04/02/2016 Yes
  • Bank account or service
  • Savings account
  • Using a debit or ATM card
  • NC
  • 28277
Web
I had over {$1000.00} on my savings account. The next time I went to an ATM to withdraw money, I had less than {$500.00}. This has also happened before, where my withdraws do not add up.
05/30/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • MO
  • 633XX
Web Servicemember
I do not have specific dates but I have asked them numerourous time not to call my place of employment. The consistently continue to do so. Even whe my payment is less than 30 days late
04/02/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NC
  • 28358
Web
I have mailed a letter certified and not received anything back letting me know that they had in fact permission to run my report I had I dont need that and I believe this is part of it
12/16/2016 Yes
  • Debt collection
  • Auto
  • Communication tactics
  • Frequent or repeated calls
  • PA
  • XXXXX
Web
I am am making payments on a weekly basis but yet they call from various numbers several times a day even after I make a payment when promised. Regional acceptance auto is the company
11/15/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • VA
  • 23860
Web
I was assessed an overdraft fee on my business account on XX/XX/19. It was an oversight on my part. I am asking for a refund. I have been told that the overdraft can not be refunded.
10/29/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • TN
  • 37013
Web
bbt pulled my credit 3 times XX/XX/2018, XX/XX/2018 and XX/XX/2018 without my authorization which affected my heath credit. I need them to pull all those hard inquires from my score
08/27/2016 Yes
  • Credit card
  • Closing/Cancelling account
  • AL
  • 35205
Web
BB & T closed my Credit card for no good reason. I have never been late with a payment and have often carried a negative balance on the card. I was given no warning of the closure.
10/06/2015 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • VA
  • 22193
Web Servicemember
BB & T was involved in A federal investigation. The other banks settled. Where BB & T would n't. XXXX XXXX was convicted of the crime. Now there 's a lien against my dead father.
08/19/2016 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • PA
  • 178XX
Web Older American
I logged in to view my online banking and the top of my account listing it welcomed another person with their account information. BB & T Corporation ( Branch Bank and Trust )
10/31/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77088
Web
I've requested multiple time through credit agencies to have account removed from credit report I have event sent over police report to show fraud. Starting in XX/XX/2018.
04/28/2015 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • FL
  • 33023
Web
BB & T BANK SUBMITTED A XXXX AND I DID NOT USE THE BANK ACCOUNT. I WANTED TO OPEN A BUSINESS ACCOUNT AND THEY WOULD NOT LET ME. THIS NEEDS TO BE REMOVED FROM MY HISTORY.
02/25/2019 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 275XX
Web
on XX/XX/XXXX I sent a dispute letter and credit bureaus responded with the debt was verified, but last on XX/XX/XXXX I paid the debt for a deletion off of credit file.
01/25/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Closing on a mortgage
  • MD
  • 20854
Web
Paid off a loan back in XXXX 2015 and the bank did not release the lien on the property. Now I 'm trying to obtain a new loan and I ca n't get anyone at BB & T to help.
07/07/2018 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • FL
  • 33428
Web
XX/XX/18 XXXX {$39.00} XXXX XXXX {$34.00} XXXX {$11.00} XXXX {$34.00} XXXX {$14.00} XXXX XXXX {$56.00} XXXX {$710.00} XXXX {$110.00} Dispute was denied by the bank
08/19/2019 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • VA
  • 23224
Web
The company closed my accounts after somebody stole my card an deposited to bad checks in my account an withdrawed the money now they want me to pay the money back
04/27/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • XXXXX
Web
I did not authorized hard hits on my credit. I sent letters to all the companies and no reply and this was last year. XXXX is the only one that removed the inquiry
09/22/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Banking errors
  • IN
  • 471XX
Web
BB & T refuses to classify this account correctly. It is not a sep. It was disallowed by the IRS and {$26000.00} in taxes, interest and penalties have been paid.
06/01/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 275XX
Web
I recently settled an old balance I had with XXXX XXXX . Nea rly two months have passed, and they have yet to update the account properly on my credit report.
08/10/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MO
  • 640XX
Web
BB & T, XXXX XXXX XXXXXXXX, XXXX SC XXXX included as part of my monthly mortgage payments my homeowners insurance premium. B B & T then did not pay my carrier.
05/14/2018 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • MD
  • 207XX
Web
It has come to my attention that BB $ T Bank has provided information to XXXX XXXX XXXX as well as XXXX, I have no kmowledge of this information from the bank.
01/07/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NC
  • 28215
Web
There was a settlement for this credit card account. This account has been paid and it is closed now. Please remove from the all 3 credit reports immediately.
12/31/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • GA
  • 30125
Web
Have asked them not to contact our families yet they continue to contact our families. Multiple calls a day, up to XXXX sometimes as many as XXXX calls a day.
09/01/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Shopping for a loan or lease
  • NC
  • 27105
Web
BB & T MADE A HARD INQUIRE ON MY CREDIT REPORT DATED FOR XXXX/XXXX/2015 AND HAS FAILED TO SEND ME PROOF OR REMOVE IT FROM MY CREDIT REPORT IN A TIMELY MANNER
09/09/2016 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • MD
  • 217XX
Web
BB & T processes debits to accounts before credits/deposits triggering unfair overdraft fees. This has gone on for years and they refuse to refund the fees.
03/24/2015 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • NY
  • 10016
Web
WE HAVE A COMPLAINT AGAINST BB & T BANK FOR WITHHOLDING INFORMATION, NON-COOPERATION AND FAILUE TO PROVIDE ACCURATE INTEREST INFORMATION AS REPORTED ON XXXX
09/25/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • FL
  • XXXXX
Web
BB & T put a report that is preventing me from opening an account from other banks due to a issue they had with a joint account holders personal account.
09/02/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TX
  • 77494
Web
Applied for forbearance. Haven't missed a payment in XXXX years. During the process they hit me with a late payment on my credit. Lender is BB & T
05/04/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • FL
  • 336XX
Web
BB and T Bank allowed a non-signer, XXXX XXXX ( XXXX, XXXX ) to transfer funds from my account which was unauthorized. The total was {$180000.00}.
02/14/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 454XX
Web
XXXX continues to call our business about a person who does not work here, has never worked here, we don't know who they are and calls repeatedly
08/10/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • FL
  • 33322
Web
I had fraud in the amount of {$1000.00} on my credit card and bank refuses to compensate me. Branch Banking & Trust Bank Case # XXXX XXXX XXXX
07/14/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • TX
  • 758XX
Web
XXXX XXXX XXXX XXXX has the wrong social security number for our contract .the contact does n't match up with our real social security number.
07/10/2019 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • MD
  • 21040
Web
This company calls me every single day and harasses me at work. I have tried to fix my account with them, but they are very nasty and rude.
07/30/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • XXXXX
Web
I CALLED BOTH PARTIES INVOLVED AND HAVE NOT GOTTEN ANY RESOLUTION as i only applied one time but its showing up twice on my credit report.
07/01/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 758XX
Web
The XXXX XXXX XXXX is reporting I have late payments on the dates of XX/XX/XXXX and XX/XX/XXXX. I have not been late on the dates above.
10/23/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • PA
  • 18103
Web
I viewed my credit report and there are many unknown names, numbers, addresses and inquiries associated with my social security number.
12/04/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 31907
Web Servicemember
I have contacted the credit company advising of the information reporting on my credit report this issue has been going on since XXXX
07/09/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • NC
  • 28110
Web
I voluntary turned the car in XXXX, BB & T bank charged the account off. XXXX later, they are still reporting it currently deliquent.
05/10/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • TX
  • 77074
Web
The issue is complex and is outlined in the uploaded Documents - Illegal Discrimination Claims. Thank You XXXX XXXX XXXX XXXX XXXX
01/03/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • XXXXX
Web
Regional Acceptance-XXXX violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
01/14/2016 Yes
  • Credit card
  • Closing/Cancelling account
  • FL
  • 32714
Web
Branch Banking and Trust has closed my credit card account without any form of notification for having no activity for 12 months
05/18/2015 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • VA
  • 22193
Web
Terms are inconsistent with original contract for payment and balance and inconsistencies with the legality of loan reporting.
01/08/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Credit denial
  • TX
  • 77072
Web
I paid off My XXXX XXXX XXXX last with regional acceptance corporation. So my account should said paid in full not repo
09/28/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33012
Web Servicemember
Attached you find a payoff letter from XXXX that states loan was paid in full as agreed. It was not part of Bankruptcy.
09/17/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MI
  • 492XX
Web
Attempts of having false credit inquiries removed from credit report. No actions were taking on the " lender '' side.
02/14/2017 Yes
  • Bank account or service
  • Savings account
  • Deposits and withdrawals
  • FL
  • 33308
Web
XXXX unauthorized transactions in my BBT account XXXX Checking {$1500.00} to a XXXX XXXX Savings {$7000.00} to a XXXX
10/17/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33428
Web
REGACCEPT - XXXX Debt {$72.00} was included in a Bankruptcy Chapter XXXX and needs be removed from credit bureau.
04/06/2015 Yes
  • Credit card
  • Identity theft / Fraud / Embezzlement
  • NC
  • 28277
Web Servicemember
I do not recognize this bankcard? This account was a result of identity theft and needs to be removed immediately
11/06/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 752XX
Web
CRA - Inquries are not mine. No knowledge. BB & T, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
01/22/2016 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • VA
  • 23320
Web
BB & T only makes {$100.00} available on next day availablity deposits versus {$200.00} required by Dodd-Frank.
12/02/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 328XX
Web
I did not give write nor verbal authorization to Regional Acceptance Corporation to review my credit report.
09/03/2015 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • GA
  • 312XX
Web
I have a balance XXXX for BB & T Bank for {$580.00} but the balance was paid last year out of my tax return
09/09/2016 Yes
  • Bank account or service
  • Savings account
  • Problems caused by my funds being low
  • DC
  • 20002
Web
There were charges for overdraft fees when I had enough money in my accounts to cover all bills.
12/26/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AL
  • 35244
Web
Regional Acceptance Corporation on XX/XX/2019 gained unauthorized access to my credit report.
06/20/2017 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • GA
  • 30039
Web
Info about my account balance, direct deposit, etc are not being sent out quickly enough
08/18/2015 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • NC
  • 27514
Web
The bank charged higher interest rate than the loan contract for two and half years.
07/10/2015 Yes
  • Credit card
  • Delinquent account
  • NC
  • 28012
Web
I am receiving calls for credit card debt for a person that does live in my home.
07/27/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Shopping for a loan or lease
  • NC
  • 27107
Web
THERE IS A INQUIRE ON MY CREDIT REPORT THAT I DIDNT MAKE AND NEED TO BE REMOVED
03/17/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • OH
  • 441XX
Web
I have numerous credit inquires from banks that I never applied for loans from
12/01/2017 Yes
  • Checking or savings account
  • Savings account
  • Problem caused by your funds being low
  • Non-sufficient funds and associated fees
  • PA
  • 175XX
Web
My Acount make my creit score very low I think I should have good Creit by now
03/31/2016 Yes
  • Debt collection
  • Auto
  • Communication tactics
  • Frequent or repeated calls
  • PA
  • 193XX
Web
They are calling my cell phone and work number every hour to 15 minutes ...
06/10/2015 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • GA
  • XXXXX
Web
on XXXX/XXXX/15, I was charged on overdraft fee when I was not over drawn.
04/09/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NJ
  • 07042
Web
****UNKNOWN INQUIRE******DATE XX/XX/2017 INQUIRE NAME REGIONAL ACCEPTENCE
05/09/2018 Yes
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • NJ
  • XXXXX
Web
XXXX XX/XX/2017 a collection appeared on my report. its not mines.
12/24/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Shopping for a loan or lease
  • NC
  • 27105
Web
BB & T MADE A HARD INQUIRE ON MY CREDIT REPORT WITHOUT MY CONSENT
05/17/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • AZ
  • 85224
Web
I did not authorize these companies to pull my credit report
07/12/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • PA
  • 193XX
Web
My Loan has been paid in full to Regional Acceptance Corp.
03/14/2016 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • MD
  • 217XX
Web
BB & T should pay the penalties and interest of {$440.00}.
12/23/2016 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • TN
  • 38128
Web
They are trying to make me pay for a loan thats not mine.
07/11/2016 Yes
  • Debt collection
  • Auto
  • Disclosure verification of debt
  • Right to dispute notice not received
  • TX
  • 75089
Web Servicemember
never received notification or not enough info to verify
02/13/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MO
  • 63121
Web Servicemember
Unauthorized inquiries reporting on my credit report.
02/29/2016 Yes
  • Mortgage
  • Home equity loan or line of credit
  • Loan servicing, payments, escrow account
  • GA
  • 31525
Web Older American
BB & T made a mistake and will not correct it.
03/01/2017 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • MD
  • 212XX
Web
BBT has a hold on my account for no reason.
10/24/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • UT
  • 841XX
Web
This is a credit pull I never authorized.
03/13/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MD
  • XXXXX
Web
Hard inquires ran without consent
02/09/2018 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • DE
  • XXXXX
Web
This debt has been paid in full.
01/04/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • VA
  • 236XX
Web
I DID NOT AUTHORIZE THIS INQUIRY
02/13/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Problem getting your free annual credit report
  • SC
  • 29640
Web Servicemember
I never obtained a mortgage.
02/05/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • IL
  • 60448
Web
did not authorize inquiry
06/22/2018 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 76180
Web
Not liable for debt
02/28/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • GA
  • 31217
Referral
02/27/2020 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • NC
  • 27332
Phone Servicemember
02/25/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NJ
  • 08831
Referral
02/24/2020 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Trouble during payment process
  • MD
  • 21215
Phone Older American
02/24/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • FL
  • 33322
Phone
02/21/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • WV
  • 26104
Phone Older American
02/18/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NC
  • 28079
Referral
02/14/2020 No
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • KY
  • 40475
Web Older American, Servicemember
02/13/2020 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Trouble during payment process
  • FL
  • 34711
Web
02/12/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • WA
  • 99362
Referral
02/12/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • FL
  • 33903
Web Older American, Servicemember
02/11/2020 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem with additional add-on products or services
Phone
02/11/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NJ
  • 07306
Phone
02/11/2020 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Deposits and withdrawals
  • SC
  • 29488
Referral
02/10/2020 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • FL
  • 34610
Referral
02/10/2020 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • NC
  • 28551
Postal mail Older American
02/08/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • AL
  • 36830
Web
02/07/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • FL
  • 34683
Web
02/07/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30533
Referral
02/06/2020 Yes
  • Mortgage
  • Other type of mortgage
  • Closing on a mortgage
  • FL
  • 33935
Web
02/06/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • GA
  • 30663
Referral
02/06/2020 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • VA
  • 20110
Referral
02/05/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • VA
  • 24179
Phone Older American
02/05/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • FL
  • 32176
Web
02/04/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • AZ
  • 85295
Web
02/04/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NJ
  • 08110
Postal mail
02/04/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • VA
  • 22205
Web Servicemember
02/04/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • VA
  • 23322
Referral Older American
02/04/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • FL
  • 33463
Referral
02/03/2020 Yes
  • Checking or savings account
  • CD (Certificate of Deposit)
  • Managing an account
  • Problem accessing account
  • PA
  • 17236
Phone Older American
02/01/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • VA
  • 23228
Web
02/01/2020 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Called before 8am or after 9pm
  • AZ
  • 85048
Web
01/31/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
Phone
01/31/2020 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • AZ
  • 85340
Web
01/31/2020 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • MD
  • 20747
Web
01/31/2020 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Deposits and withdrawals
Referral
01/31/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
Phone
01/30/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • DC
  • 20011
Web
01/30/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • TX
  • 79345
Referral
01/28/2020 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • FL
  • 33147
Web
01/26/2020 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Trouble using the card
  • Trouble using the card to spend money in a store or online
  • NH
  • 03106
Web
01/24/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NC
  • 28601
Referral
01/21/2020 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Banking errors
  • NC
  • 28214
Phone
01/21/2020 Yes
  • Checking or savings account
  • Other banking product or service
  • Closing an account
  • Company closed your account
  • TX
  • 77505
Phone Older American, Servicemember
01/19/2020 Yes
  • Checking or savings account
  • CD (Certificate of Deposit)
  • Managing an account
  • Funds not handled or disbursed as instructed
  • FL
  • 33763
Web Older American
01/19/2020 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Money was taken from your account on the wrong day or for the wrong amount
  • PA
  • 18103
Web
01/17/2020 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Non-sufficient funds and associated fees
  • GA
  • 30117
Phone
01/16/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • FL
  • 33193
Referral
01/15/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • SC
  • 29607
Web
01/15/2020 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Didn't receive terms that were advertised
  • GA
  • 30223
Referral
01/14/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
Referral
01/13/2020 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • VA
  • 23218
Web
01/12/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • VA
  • 22968
Web
01/10/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • NC
  • 27610
Referral
01/09/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • SC
  • 29115
Phone Older American
01/09/2020 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • PA
  • 18066
Referral
01/09/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
  • SC
  • 29229
Referral
01/09/2020 Yes
  • Checking or savings account
  • Other banking product or service
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • PA
  • 19510
Referral
01/09/2020 Yes
  • Checking or savings account
  • Other banking product or service
  • Opening an account
  • Confusing or missing disclosures
  • PA
  • 19129
Referral
01/07/2020 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Fee problem
  • GA
  • 30533
Postal mail
01/07/2020 Yes
  • Checking or savings account
  • Other banking product or service
  • Closing an account
  • Company closed your account
  • KY
  • 41011
Referral
01/07/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • SC
  • 29466
Referral
01/06/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
Phone
01/06/2020 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Deposits and withdrawals
  • NC
  • 28570
Referral
01/02/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • LA
  • 70126
Web Older American
12/31/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Deposits and withdrawals
  • NJ
  • 07013
Referral
12/27/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 30316
Web
12/26/2019 Yes
  • Checking or savings account
  • CD (Certificate of Deposit)
  • Closing an account
  • Funds not received from closed account
  • VA
  • 23065
Web
12/23/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • DC
  • 20011
Web
12/23/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • NY
  • 11801
Phone
12/23/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • NC
  • 27893
Referral
12/19/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NC
  • 28115
Phone
12/19/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
Phone
12/19/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • TN
  • 37886
Referral
12/16/2019 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • FL
  • 32446
Fax
12/16/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • FL
  • 34491
Referral
12/14/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Received unsolicited financial product or insurance offers after opting out
  • TX
  • 77007
Web
12/13/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
Phone
12/13/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • FL
  • 33445
Referral
12/10/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
Phone
12/10/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • DC
  • 20007
Referral
12/10/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • PA
  • 18202
Referral
12/10/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • VA
  • 22306
Web
12/04/2019 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Charged fees or interest you didn't expect
  • LA
  • 70802
Phone
12/02/2019 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • NJ
  • 08203
Web Older American
11/23/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • FL
  • 33027
Web
11/22/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • PA
  • 18103
Referral
11/22/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • FL
  • 33316
Referral
11/21/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • PA
  • 19111
Web
11/20/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • NC
  • 27344
Referral
11/20/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • DC
  • 20018
Referral
11/19/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • SC
  • 29574
Web
11/17/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • SC
  • 29036
Web Servicemember
11/15/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • CA
  • 91607
Web
11/15/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem accessing account
  • FL
  • 34221
Referral
11/15/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Banking errors
  • MD
  • 21036
Fax Older American
11/15/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • NC
  • 27603
Referral
11/15/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • FL
  • 33914
Referral
11/14/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NC
  • 28214
Web
11/13/2019 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
Phone
11/13/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NC
  • 28202
Web
11/12/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 21030
Web
11/08/2019 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem with additional add-on products or services
  • WV
  • 26330
Phone
11/08/2019 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • VA
  • 23607
Referral Older American, Servicemember
11/08/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • FL
  • 33179
Web
11/07/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • NC
  • 28602
Phone Older American
11/07/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
Phone
11/06/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • FL
  • 32404
Postal mail Servicemember
11/05/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Deposits and withdrawals
  • GA
  • 30327
Phone Older American
11/05/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • NC
  • 27048
Referral
11/04/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 95602
Phone Older American
11/04/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • NJ
  • 08326
Referral
11/04/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MD
  • 20708
Referral
10/31/2019 Yes
  • Money transfer, virtual currency, or money service
  • Traveler's check or cashier's check
  • Fraud or scam
  • PA
  • 18067
Web
10/31/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • PA
  • 18064
Postal mail
10/31/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • GA
  • 30062
Web
10/30/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • VA
  • 20112
Referral
10/29/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • FL
  • 34482
Fax Older American
10/29/2019 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • MA
  • 01373
Phone Older American
10/29/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • PA
  • 17061
Web
10/29/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 33139
Referral
10/28/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Closing an account
  • Can't close your account
  • TX
  • 77018
Phone Older American
10/25/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Problem with a lender or other company charging your account
  • Money was taken from your account on the wrong day or for the wrong amount
  • NC
  • 28144
Phone
10/24/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • FL
  • 33090
Referral
10/21/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 32236
Phone Servicemember
10/16/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 77530
Web
10/15/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Credit denial
  • PA
  • 18201
Phone Older American
10/15/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
Referral
10/14/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 30035
Web
10/11/2019 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Closing on a mortgage
  • FL
  • 33759
Web Older American, Servicemember
10/11/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • PA
  • 19132
Referral
10/11/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • PA
  • 18064
Referral
10/10/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
Referral
10/09/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • NC
  • 28450
Phone Older American, Servicemember
10/08/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 91767
Web
10/08/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Funds not handled or disbursed as instructed
  • FL
  • 33154
Referral
10/08/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • NC
  • 27804
Referral
10/04/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Banking errors
  • TX
  • 77494
Referral
10/03/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem accessing account
  • SC
  • 29477
Referral
10/02/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • TX
  • 75028
Web Servicemember
10/02/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • VA
  • 23803
Referral
10/01/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • FL
  • 34983
Phone
10/01/2019 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Trouble during payment process
  • VA
  • 20176
Referral
09/30/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • NC
  • 28208
Web
09/30/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • MD
  • 21239
Phone Older American, Servicemember
09/30/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Deposits and withdrawals
  • FL
  • 34233
Referral
09/27/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
Phone
09/27/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Deposits and withdrawals
  • TX
  • 75238
Referral
09/25/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NC
  • 28348
Web
09/24/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • GA
  • 30075
Web
09/24/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with balance transfer
  • VA
  • 22314
Web
09/24/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 34983
Referral Older American
09/20/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • TX
  • 79712
Referral
09/20/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • NC
  • 28210
Referral
09/19/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • NC
  • 28086
Postal mail Older American, Servicemember
09/19/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • TN
  • 37064
Phone Older American
09/19/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AL
  • 36035
Web
09/18/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account status incorrect
  • KS
  • 67671
Web Older American
09/18/2019 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Loan payment wasn't credited to your account
  • NC
  • 28630
Phone Servicemember
09/18/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Fee problem
Phone
09/18/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • VA
  • 22911
Referral
09/17/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • KY
  • 42101
Referral
09/14/2019 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Closing on a mortgage
  • DE
  • 19808
Web
09/14/2019 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • NY
  • 11365
Web
09/13/2019 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • AL
  • 35768
Referral
09/12/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Deposits and withdrawals
  • VA
  • 24060
Referral
09/12/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • FL
  • 33169
Referral
09/12/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • NC
  • 27009
Referral
09/11/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • TX
  • 75070
Web
09/10/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • KS
  • 66216
Phone
09/10/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
Referral
09/10/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • KY
  • 41033
Phone
09/09/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • FL
  • 33090
Referral
09/07/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • MD
  • 20695
Web
09/06/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MD
  • 20772
Web Servicemember
09/06/2019 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • NC
  • 27360
Referral
09/05/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NC
  • 28105
Referral Older American
09/05/2019 Yes
  • Mortgage
  • VA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • WV
  • 26431
Referral
09/04/2019 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • MA
  • 01040
Web
09/03/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MO
  • 64132
Referral
08/30/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • GA
  • 30533
Phone
08/29/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • VA
  • 23324
Phone
08/29/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 76012
Web
08/27/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • HI
  • 96720
Phone Servicemember
08/26/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33484
Web Older American
08/26/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NC
  • 28031
Web
08/26/2019 Yes
  • Checking or savings account
  • CD (Certificate of Deposit)
  • Managing an account
  • Problem accessing account
  • NY
  • 12205
Phone
08/26/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33064
Web
08/24/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 31907
Web
08/23/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • IN
  • 47906
Web
08/23/2019 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Fees charged for closing account
  • FL
  • 32457
Referral
08/22/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • FL
  • 33033
Referral
08/21/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • WI
  • 53154
Referral
08/20/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 76155
Web
08/20/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • CO
  • 81620
Web
08/20/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Banking errors
  • KY
  • 40403
Referral
08/16/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • VA
  • 23505
Web
08/16/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • FL
  • 33169
Web
08/16/2019 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Can't contact lender or servicer
  • PA
  • 16105
Web
08/15/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • WV
  • 25303
Phone Older American
08/15/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • WV
  • 25303
Phone Older American
08/15/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • NC
  • 28078
Referral
08/14/2019 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33032
Web
08/14/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NC
  • 27612
Referral
08/13/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • PA
  • 18045
Referral
08/12/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
Referral
08/12/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • FL
  • 33033
Referral
08/12/2019 Yes
  • Money transfer, virtual currency, or money service
  • International money transfer
  • Fraud or scam
  • FL
  • 32256
Referral
08/07/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
Phone
08/06/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NC
  • 27809
Referral
08/05/2019 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • NC
  • 27214
Web
08/05/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • ID
  • 83647
Referral
08/05/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • SC
  • 29160
Referral
08/05/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
Referral
08/02/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • GA
  • 31904
Referral
08/02/2019 Yes
  • Checking or savings account
  • CD (Certificate of Deposit)
  • Managing an account
  • Banking errors
Referral
08/02/2019 Yes
  • Debt collection
  • Mortgage debt
  • Communication tactics
  • Frequent or repeated calls
  • NC
  • 27909
Web
08/02/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • PA
  • 18360
Referral
08/02/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • PA
  • 19082
Referral
08/01/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • CA
  • 95616
Web
07/31/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
Referral
07/30/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • GA
  • 30534
Referral
07/29/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • DC
  • 20005
Web
07/29/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
Phone Servicemember
07/29/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Deposits and withdrawals
Referral
07/27/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NY
  • 10469
Web
07/26/2019 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • FL
  • 32129
Referral
07/25/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11717
Web
07/24/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • VA
  • 22043
Referral
07/22/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • GA
  • 30141
Phone Older American
07/22/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • KY
  • 40509
Referral
07/19/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 60922
Web
07/18/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
Phone
07/18/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • KY
  • 40216
Web
07/18/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem accessing account
  • AL
  • 35806
Referral
07/17/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
Referral
07/17/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • FL
  • 33409
Referral
07/17/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • PA
  • 19079
Referral
07/17/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • WV
  • 25314
Phone
07/16/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • SC
  • 29607
Referral
07/15/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • FL
  • 33625
Referral
07/15/2019 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • SC
  • 29576
Referral
07/13/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60624
Web
07/13/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • NC
  • 27526
Web Servicemember
07/12/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 76012
Web
07/12/2019 Yes
  • Money transfer, virtual currency, or money service
  • International money transfer
  • Fraud or scam
Phone
07/12/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MD
  • 20744
Web
07/12/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Deposits and withdrawals
Referral
07/11/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Funds not handled or disbursed as instructed
  • WI
  • 53179
Postal mail Older American, Servicemember
07/11/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • VA
  • 23235
Referral
07/10/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • OH
  • 43232
Web
07/10/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • AZ
  • 85286
Web Servicemember
07/08/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 30260
Web
07/05/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • WV
  • 25524
Phone
07/05/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
Referral
07/03/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • GA
  • 30032
Referral
07/03/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • GA
  • 30093
Referral
07/01/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • FL
  • 33811
Phone Servicemember
07/01/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Banking errors
Referral
06/29/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • PA
  • 17552
Web
06/29/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Unable to receive car title or other problem after the loan is paid off
  • ND
  • 58554
Web
06/28/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
Phone
06/28/2019 Yes
  • Debt collection
  • Mortgage debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MO
  • 64050
Referral
06/26/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Banking errors
  • RI
  • 02864
Referral
06/25/2019 Yes
  • Checking or savings account
  • CD (Certificate of Deposit)
  • Managing an account
  • Banking errors
  • MD
  • 21036
Postal mail Older American
06/25/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • VA
  • 22191
Referral
06/23/2019 Yes
  • Checking or savings account
  • Savings account
  • Opening an account
  • Account opened as a result of fraud
  • NC
  • 27603
Web
06/22/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 32066
Fax Older American
06/21/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • KY
  • 40217
Phone
06/21/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • NC
  • 28146
Referral
06/20/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • GA
  • 30734
Referral
06/19/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • MD
  • 21229
Referral
06/19/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Deposits and withdrawals
  • PA
  • 17109
Referral
06/18/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • VA
  • 23175
Phone
06/18/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
Phone
06/18/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MD
  • 20817
Referral
06/18/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • KY
  • 42127
Referral
06/17/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • MD
  • 20757
Web
06/17/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 75080
Web
06/17/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • FL
  • 33033
Referral
06/17/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • AL
  • 35801
Referral
06/14/2019 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Problem getting a card or closing an account
  • Trouble getting, activating, or registering a card
  • MI
  • 49418
Web
06/14/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • VA
  • 22701
Postal mail
06/14/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • TN
  • 37042
Referral
06/13/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • VA
  • 22630
Referral
06/12/2019 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • TN
  • 38104
Web
06/12/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • WV
  • 25951
Postal mail
06/11/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 75185
Web
06/11/2019 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • MO
  • 63135
Phone
06/10/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
Referral
06/07/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Information is missing that should be on the report
  • NJ
  • 07054
Phone
06/07/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 77084
Postal mail
06/07/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • NC
  • 27514
Referral
06/07/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Cashing a check
  • AL
  • 35040
Referral
06/06/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • FL
  • 33868
Referral
06/05/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
Referral
06/04/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • PA
  • 19023
Phone Older American
06/04/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • FL
  • 33033
Referral
06/03/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • VA
  • 22209
Web
06/03/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • MD
  • 20721
Phone
06/03/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • FL
  • 33033
Referral
06/02/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • OK
  • 74063
Web Servicemember
05/31/2019 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Called before 8am or after 9pm
  • TN
  • 37620
Web
05/31/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • PA
  • 19130
Web Servicemember
05/29/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Deposits and withdrawals
  • FL
  • 33033
Referral
05/24/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • NC
  • 27886
Web
05/24/2019 Yes
  • Debt collection
  • Mortgage debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30013
Referral
05/24/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • PA
  • 19079
Referral
05/22/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MD
  • 21220
Web
05/20/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • NC
  • 27244
Phone
05/17/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • GA
  • 30318
Web
05/16/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Can't stop withdrawals from your account
  • FL
  • 32258
Web
05/16/2019 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • NH
  • 03745
Referral
05/14/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • NY
  • 14221
Web
05/13/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NC
  • 28277
Web
05/13/2019 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Called before 8am or after 9pm
  • NC
  • 28277
Web
05/13/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
Phone Older American
05/13/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • MD
  • 21152
Postal mail
05/13/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • GA
  • 30064
Referral Older American
05/09/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • PA
  • 18353
Referral
05/09/2019 Yes
  • Checking or savings account
  • CD (Certificate of Deposit)
  • Managing an account
  • Banking errors
  • FL
  • 33185
Phone
05/09/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • DC
  • 20018
Referral
05/09/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • GA
  • 30116
Referral
05/08/2019 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • VA
  • 20182
Web
05/08/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • FL
  • 33033
Referral
05/08/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • GA
  • 30510
Referral
05/06/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • NC
  • 28054
Referral
05/06/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • FL
  • 32757
Referral
05/03/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • DE
  • 19720
Phone Older American
05/03/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IN
  • 47136
Web Servicemember
05/03/2019 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • NC
  • 28412
Web Servicemember
05/03/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • MD
  • 21043
Referral
05/01/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • PA
  • 17740
Web
05/01/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • WA
  • 98107
Web
05/01/2019 Yes
  • Debt collection
  • Mortgage debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 34652
Fax
05/01/2019 Yes
  • Money transfer, virtual currency, or money service
  • Refund anticipation check
  • Problem with customer service
Phone
04/29/2019 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Trouble during payment process
  • NC
  • 27265
Referral
04/26/2019 Yes
  • Money transfer, virtual currency, or money service
  • Traveler's check or cashier's check
  • Fraud or scam
  • GA
  • 31907
Web
04/26/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • NC
  • 28561
Phone
04/26/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
Referral
04/25/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • VA
  • 22182
Web
04/24/2019 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • PA
  • 15522
Referral
04/23/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Unable to receive car title or other problem after the loan is paid off
Phone
04/23/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • FL
  • 33616
Referral Older American
04/22/2019 Yes
  • Debt collection
  • Auto debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • VA
  • 24605
Web
04/19/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • PA
  • 19023
Phone Older American
04/17/2019 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Trouble during payment process
  • NC
  • 27530
Phone
04/17/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Deposits and withdrawals
  • FL
  • 33033
Referral
04/16/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Closing an account
  • Company closed your account
  • FL
  • 32244
Web
04/16/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • GA
  • 31028
Referral
04/15/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
Phone
04/15/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • FL
  • 33033
Web
04/15/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Credit denial
  • FL
  • 33461
Fax
04/15/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Deposits and withdrawals
  • PA
  • 19137
Referral
04/12/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Money was taken from your account on the wrong day or for the wrong amount
Phone
04/12/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • FL
  • 33143
Phone Older American
04/12/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • VA
  • 24073
Referral
04/11/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Unable to receive car title or other problem after the loan is paid off
  • SC
  • 29464
Phone
04/11/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • SC
  • 29445
Phone Servicemember
04/11/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • VA
  • 22192
Postal mail
04/11/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • IL
  • 62702
Referral
04/11/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • NY
  • 10710
Referral
04/10/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
Phone
04/09/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • DE
  • 19975
Referral
04/08/2019 Yes
  • Checking or savings account
  • CD (Certificate of Deposit)
  • Managing an account
  • Banking errors
  • PA
  • 19021
Phone Older American, Servicemember
04/06/2019 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Called before 8am or after 9pm
  • NC
  • 28277
Web
04/05/2019 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Trouble using the card
  • Trouble getting information about the card
Phone Older American
04/05/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • MD
  • 21742
Referral
04/04/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
Fax Older American
04/04/2019 Yes
  • Checking or savings account
  • Savings account
  • Closing an account
  • Fees charged for closing account
  • FL
  • 34203
Referral
04/03/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • MD
  • 21532
Referral
04/03/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • TX
  • 75216
Referral
04/03/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • NC
  • 27828
Referral
04/02/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Banking errors
  • CA
  • 91355
Referral
04/02/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • LA
  • 71064
Web
04/01/2019 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • PA
  • 19132
Web
04/01/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • PA
  • 17403
Referral
04/01/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Opening an account
  • Account opened as a result of fraud
  • NC
  • 27560
Referral
04/01/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • TX
  • 75149
Referral
03/30/2019 Yes
  • Checking or savings account
  • CD (Certificate of Deposit)
  • Managing an account
  • Funds not handled or disbursed as instructed
  • VA
  • 24578
Referral
03/29/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • FL
  • 34477
Web Servicemember
03/29/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem using a debit or ATM card
  • FL
  • 33029
Postal mail Older American, Servicemember
03/28/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 243XX
Web
03/28/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Deposits and withdrawals
  • VA
  • 22911
Referral
03/26/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33022
Phone
03/26/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem accessing account
Phone
03/26/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • FL
  • 33019
Web
03/26/2019 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Applying for a mortgage or refinancing an existing mortgage
  • TX
  • 79702
Referral
03/25/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • NC
  • 27260
Phone
03/25/2019 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33056
Web
03/25/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
Phone Servicemember
03/22/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 32066
Phone Older American
03/22/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Banking errors
  • MD
  • 21152
Postal mail
03/22/2019 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • NC
  • 28134
Web Older American, Servicemember
03/22/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Fee problem
  • GA
  • 30605
Web
03/22/2019 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • VA
  • 20124
Web
03/22/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Deposits and withdrawals
  • NC
  • 27560
Referral
03/21/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • FL
  • 34292
Phone Older American
03/21/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
Referral
03/21/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • NC
  • 27526
Referral
03/20/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
Phone
03/20/2019 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Deposits and withdrawals
  • NJ
  • 08559
Web Older American
03/20/2019 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
Phone Servicemember
03/20/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Unable to receive car title or other problem after the loan is paid off
  • NE
  • 68401
Web
03/20/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • PA
  • 19095
Referral Older American
03/20/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
Referral
03/20/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • FL
  • 34691
Referral
03/20/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • OH
  • 43220
Referral
03/19/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • SC
  • 29615
Web
03/19/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • SC
  • 29615
Web
03/19/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • SC
  • 29615
Web
03/19/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • SC
  • 29615
Web
03/19/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • NC
  • 28036
Referral
03/19/2019 Yes
  • Debt collection
  • Mortgage debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28314
Referral
03/18/2019 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Struggling to pay mortgage
  • WV
  • 24739
Referral
03/18/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • VA
  • 22044
Referral
03/18/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • NC
  • 28213
Referral
03/15/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • PA
  • 15531
Referral
03/15/2019 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Trouble during payment process
Phone Older American
03/14/2019 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • VA
  • 22195
Postal mail
03/13/2019 Yes
  • Money transfer, virtual currency, or money service
  • International money transfer
  • Wrong amount charged or received
  • FL
  • 33066
Web
03/13/2019 Yes
  • Money transfer, virtual currency, or money service
  • Foreign currency exchange
  • Confusing or missing disclosures
  • FL
  • 33322
Web Older American
03/12/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 11385
Referral
03/12/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • VA
  • 20120
Referral
03/11/2019 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem with additional add-on products or services
  • GA
  • 30152
Referral
03/11/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
  • VA
  • 23024
Referral
03/09/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • IN
  • 47876
Web
03/09/2019 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Struggling to pay mortgage
  • FL
  • 33186
Referral
03/08/2019 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • NC
  • 27130
Phone
03/07/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • VA
  • 22031
Postal mail
03/07/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem accessing account
  • MD
  • 21532
Referral
03/07/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • FL
  • 33611
Referral
03/06/2019 Yes
  • Checking or savings account
  • CD (Certificate of Deposit)
  • Managing an account
  • Problem accessing account
  • FL
  • 33417
Fax
03/06/2019 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33334
Postal mail
03/06/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32810
Fax
03/05/2019 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • NC
  • 28134
Web Servicemember
03/04/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • KY
  • 41094
Postal mail
03/03/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • PA
  • 19132
Web
03/03/2019 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • TX
  • 75067
Web
03/01/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • NC
  • 27260
Phone
03/01/2019 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Didn't receive terms that were advertised
  • VA
  • 20109
Referral
03/01/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Banking errors
  • TX
  • 77073
Referral
03/01/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Banking errors
  • NC
  • 27610
Referral
02/28/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • HI
  • 96720
Fax Servicemember
02/27/2019 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Deposits and withdrawals
Phone
02/27/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • OH
  • 44133
Referral
02/26/2019 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Struggling to pay mortgage
  • FL
  • 33334
Referral
02/26/2019 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Banking errors
  • VA
  • 23451
Referral
02/25/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • AR
  • 72086
Referral Older American
02/25/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
  • IN
  • 46845
Referral
02/23/2019 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • WV
  • 26301
Referral
02/21/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • FL
  • 33570
Phone Older American
02/21/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • NC
  • 28428
Referral
02/20/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • PA
  • 18360
Web
02/20/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • TX
  • 75028
Web Servicemember
02/20/2019 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NC
  • 27265
Web
02/20/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
Referral
02/18/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33068
Web
02/16/2019 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • MD
  • 21093
Web Older American
02/15/2019 Yes
  • Checking or savings account
  • CD (Certificate of Deposit)
  • Managing an account
  • Funds not handled or disbursed as instructed
  • FL
  • 33065
Web
02/14/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • KY
  • 41094
Referral
02/13/2019 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • PA
  • 19132
Web
02/13/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • FL
  • 34684
Phone
02/12/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with customer service
  • MD
  • 20695
Web
02/12/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Can't stop withdrawals from your account
  • PA
  • 18104
Web Older American
02/11/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 34491
Phone Older American, Servicemember
02/11/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • VA
  • 22406
Referral
02/08/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
Phone
02/08/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • FL
  • 32901
Phone
02/08/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • NC
  • 28112
Phone
02/08/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • OH
  • 45249
Referral
02/06/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • TX
  • 77346
Web
02/06/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NC
  • 27214
Web
02/02/2019 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Account status incorrect
  • WA
  • 99019
Web
02/02/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • FL
  • 32222
Web Older American
02/01/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 28173
Phone
02/01/2019 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • TX
  • 77042
Referral
01/31/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • SC
  • 29420
Web Servicemember
01/31/2019 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • PA
  • 19132
Web
01/30/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MO
  • 64050
Web
01/30/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 22901
Web
01/29/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • WI
  • 53022
Referral
01/29/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • WV
  • 25901
Referral
01/29/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • FL
  • 33776
Referral
01/28/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
Phone
01/28/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33157
Web
01/24/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • FL
  • 33033
Referral
01/22/2019 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • FL
  • 34482
Web Servicemember
01/22/2019 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • MD
  • 20854
Web
01/19/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • TX
  • 77339
Web
01/17/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 27105
Web
01/17/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • NC
  • 28078
Referral
01/16/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • GA
  • 30319
Referral
01/16/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • KY
  • 42101
Referral
01/15/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Didn't receive advertised or promotional terms
  • FL
  • 32137
Referral
01/14/2019 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Trouble during payment process
  • GA
  • 30004
Referral
01/11/2019 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TN
  • 37659
Referral