Consumer complaint received 2018-11-16
Company: BB&T CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
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.

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