Consumer complaint received 2018-12-05
Company: UNITED BANKSHARES, INC.
State: WV
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Do not trust this Bank. They stole my home. First, let say I am person who had worked 60t hrs a week in my salon for over a decade. I PRIDED MY SELF ON BUILDING MY OWN HOME ON FAMILY PROPERTY AT THE YOUNG AGE OF XXXX AND BEING A SINGLE MOM. Prior to having United Bank ( XXXX XXXX ) steal my home fraudulently my credit score was never underXXXX. It now list foreclosure in the amount of {$62.00} yes only {$62.00} LOOK Down Pics..in XX/XX/XXXX I opened a line of credit with my home equity I had established since building the home in XX/XX/XXXXtotalingXXXXk to put a in ground pool in.After the construction was done I closed that line of credit, and switched it to a loan for approximately $ XXXXk ( I thought ) later was told by Mr XXXX that the banker I had  trusted and known my whole life was caught doing " dirty loan business. " and was forced to resign ..and he told me to go after her. ( facts are facts she did indeed not ever turn the paper work in closing the equity to a loan at the tax office. ) Rather it was Her who first kept it at a line of credit. ( I have met with her she remembers it all clear. All truth too, Down to the dollar and has told me this wasnt her. ) So me not even knowing over the next eight years paid over {$13000.00} back, all by check. ( Way over what was owed by this point ) in XXXX and XX/XX/XXXX I paid a total of 6 payments ahead so that way I could travel that summer with no Bill 's due. In XXXX ( just 2 mths later ) I recieved a call that my account was 9MONTHS BEHIND while I was at the beach.I  was adamant this was a simple mistake considering I seen my checks cleared. Well over the next month I could not get the bank manager XXXX to the phone. finally AFTER NO ANSWERS i went in and sat one day  from XXXX until XXXX with no one ever helping me when it was time to lock up a tellar finally told me that the bank manager was longer there.Yes that's right. Office empty and XXXX  NAME OFF DOOR. ..at that point I was referred to XXXX XXXX . over the next couple months I could not get him to explain to me where the money was that they had indeed cashed. Finally in XXXX ( the month my next payment should have been due ) Mr XXXX admitted to me there was theft in the bank not only by the original banker but that the next banker that took her spot also did SOME WRONG BY not APPLYING my payments right AND ON MY LOAN.and that I should take it up with the original one who DID THIS TO ME, ( HIS WORDS ) Well at that point it got bad because what he was saying ludicrous. It's not my fault the bank hired both his family members ( NOTICE I SAID BOTH RELATED TO HIM ) who stole my money and I was sure I could in no way loose.The last conversation XXXX and I had he told me Pay XXXXk TO GET THE ACCOUNT TO DATE OR IM FORECLOSING. my mouth wrote a check that day I couldnt cash because at that point I dared him and said you will loose. I will see you in court you a $ $ hole! He then laughed historically and said I will see you and when I take your house I'm gon na laugh in your f % $ $ $ $! face. Well guess what, He did.Because I did not get a lawyer. Not only was I not given the court date but over this period of time I lost both my mom and dad who lived in the land beside me. United bank took my first loan that I only owed XXXXk on and they sold my home for $ XXXXk..even if I did owe the whole XXXXk ( i didnt I paid back {$13000.00} back ) plus XXXXk that's a total of $ XXXXk. So they profited over XXXXk on top of all I had paid. I paid on my home 17years and they took it. Two nights after I moved out my mom passed away and I wasnt there beside her house to get there in time. So I will make sure in her name this goes public and it's never done again. If anyone else had this happen get in touch with me. I know there are more cases here exact same thing with having equity and bank takes it. Finally, I am able to get a lawyer.. look below at the credit report. 
Proof photos copy and paste ... 
https : XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation