Consumer complaint received 2019-03-16
Company: BB&T CORPORATION
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
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

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