Consumer complaint received 2015-06-04
Company: BB&T CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Branch Banking and Trust Company ( BB & T ) placed a mortgage that was not in my name on my credit as a charge off ( CO ). This house was refinanced in XXXX by me for the express purpose of removing my name from the loan because of our pending divorce. We failed to reconcile and our XXXX was finalized XXXX/XXXX/XXXX. My signature was not placed on any documents at the time the refi was transacted. There has been some irregular issues with each document that I get, either from BB & T or the courthouse. The XXXX is that I was told that I was listed as a cosigner, then as the primary borrower and neither of those is true. The XXXX document shows the payment coupon that ONLY has the name of XXXX XXXX on it, my name does n't appear anywhere. 
The XXXX document ( I am sending the original copy and the copy where i point out the fraud that has been perpetrated against me by BB & T ) you will see my name, but it is n't my 1 ) signature and if you will notice the area that contains the signatures looks as though it has been 2 ) cut out and applied to the contract from another contract or something, but the wording above it is n't correct and it does n't line up and also leaves a larger blank space under the signature lines. 3 ) The verbiage does not completely exist on the right side as it does on the left side. 4 ) There is a faint line where the content below was added and the copier picked it up when they sent it to me and the verbiage here is at a sleight right angle to verbiage above. 5 ) Where is the beginning of this sentence? Was it left on the document that this was cut from? The additional documents show my signature from XXXX to today. 
I have been to countless branches, corporate headquarters, and a XXXX phone calls trying to get this resolved. I even offered to pay the balance to just get it removed from my credit and was told by XXXX XXXX supervisor at the " XXXX '' absolutely not, we will update it to reflect satisfied, but we will not remove it! 

I obtained a copy of the certificate of satisfaction from the register of deeds that was issued in XXXX XXXX and asked how that was issued if the note was n't paid in full and XXXX XXXX replied " oh we just do that sometimes '', but my ex-wife sold the property and walked away with {$15000.00} in hand in XXXX XXXX. If the note was n't satisfied then it was their error and if they just release liens from time to time, how do they stay in business, but as for me, several realtors and attorneys, none of us have ever witnessed anything like this. 
I asked XXXX XXXX why I had not received any notification of what was owed on this property if I really was the co-borrower and she stated that they sent the letters to the address of the property. They had my current address and if they did n't they have had my cell phone number that has been the same for XXXX years and better yet, since BB & T knows how to contact the credit bureaus, all they had to do was ask them for my current address since that was also listed there as well. 
This is not my debt and I will do everything I can to get a favorable resolution to this matter, but I refuse to pay another person 's debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation