Consumer complaint received 2017-05-22
Company: BB&T CORPORATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
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.

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