Consumer complaint received 2016-09-09
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION (VA)

XXXX Bank in XXXX Virginia, sold my HELOC to Branch Banking and Trust. The original agreement ended in XXXX. It was a 10 year agreement. XXXX extended the agreement but now states it was not extended. I have no straight answer from them. They just foreclosed. Their own law firm, XXXX and XXXX sent me written material from XXXX Va, stating my loan could be reinstated if I simply made it current. I told them, it was current at that moment. The foreclosure started in late XXXX. I had to scramble to find a lender. BBT, I believe, improperly reported my XXXX score. The damage was so great, I could not get any conventional financing. I had to borrow from hard money lenders to save the house, repair it and sell it. There was no way at this level of damage to me, I was going to be able to keep it. My equity, built up over 29 years, was wiped out from this. BBT called me thousands of times. I have hired a TCPA Law Firm and they are complaining about this fact in XXXX XXXX. The reason I know my FICO was improperly reported is, when BBT took over the note I owed around XXXX. When they foreclosed, I owed XXXX. They managed to collect XXXX or more payments from me that in truth, I did not owe. That means at least XXXX solicitations for payment were made at a time when I WAS CURRENT! They would receive the extra payment and apply it to principle, without my consent. This happened during a XXXX scenario. I had to take work out of town in remote areas.I was not always able to get on the internet and look. Additionally, if solicited for a payment, I would drive to the nearest BBT to make the payment, trusting what they said. If I asked a BBT teller for any help on my HELOC, they would embarrass me by telling me for some reason, my account was unusual and they had to make phone calls to answer any question about my HELOC. They confessed the XXXX Bank computer system was old and not unified with the BBT computer system, a fact that caused much of the difficulty. In XXXX BBT offered me a hardship discount. The name of the employee was XXXX XXXX. I explained to XXXX, my credit score would in no way allow me to borrow from someone else. That alone acted as an impediment. XXXX simply increased the hardship discount while I told him, he could make it 90 % off, it would not let me get a new loan. The credit score was damaged. I felt it was not right. No one at BBT ever lifted a finger to help, however, I hired " Yourcreditattorney '' on line and I believe they got the bank to change my XXXX score XXXX or XXXX hits, not the XXXX hits they caused. A damaged XXXX guarantees you will not get conventional finance. BBT knew I could not get financing. They foreclosed anyway. No words can describe what XXXX then feels owing an ex spouse from the house sale and a house not ready for sale being pulled out from under you. They charged XXXX for an appraisal. The appraiser did not even come into the house. The auctioneer stated the house starting price would be about half what I owed. ( I went to the auction to learn what I could and to make sure they did not proceed as I had paid it off the day before ) So they would discount to anyone else in the world, but not to me. That appears to be some form of prejudicial motive. My contact with BBT ended up with XXXX XXXX. XXXX defended the lack of any hardship discount by stating I should have taken the one they offered. I asked if it was a government program. She said no, it was a business decision. This is documented in my emails. I reached back to XXXX XXXX and asked him. He said it was a federal government backed program. I checked with a lawyer, filed a motion with XXXX XXXX for reconsideration. She simply ignored me. BBT refused to answer anything. When I went to settle on the hard money loan, BBT had XXXX illegal very old liens on my house.