Consumer complaint received 2018-07-07
Company: BB&T CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
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.

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