Consumer complaint received 2015-05-13
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION (NC)

XXXX XXXX, 2014, I made a payment to BB & T in the amount of {$300.00} to be appliedtoward the principle balance of my mortgage ; my monthly payment had already beenmade and applied to my account. BB & T did not applied this {$300.00} pay to myaccount, instead they held this {$300.00} payment without my permission and against mynumerous requests for almost one year. Although, I had my recite to proved thatI had indeed made this additional payment to my account and requested it to beapplied to the principle ; and to the fact that the regular monthly payment hadbeen satisfied. Despite my calling BB & T numerous times, and going by their branchoffices with my recite, trying to get assistance with this matter to no avail. 
My receipt was photocopied on at least XXXX occasions with a statement givenrequesting that this money be applied to my account, all to no avail. I washung-up on several time over the phone after being put on very long wait time. 
Times when I was able to get though by phone, I was told that they wherechanging over their computer system, ant the up date to my account would be madesoon, and I would be contacted. This did not happen the credit/ up date to myacc. Applied to principle. At one point, I was was told that the {$300.00}. payment wasin a special account that I had no assets to. It was just being held there. On ( date ) at their XXXX XXXX branch, I spoke with, XXXX XXXX at the XXXX, NC office. again phoned themanager over the mortgage office, XXXX XXXX XXXX to get this taken care of butnothing was ever done after promise after promise ; buy BB T did nothing to rectifythis situation for over 11 months. When they finally did something ; theyaccused me of being several months late with my payments ; which was totallyfalse. They went back and changed my payment history to reflect missed paymentsand numerous late fees. They changed my account to show numerous late fees andother charges. They threaten me with foreclosure, and said they were reportingme to the credit bureaus. Despite the fact that all of my payments were madeon time, without any late fees showing before I started to complain about thissituation. I contacted the XXXX for their assistance with the matter, that iswhen BB & T said they gave me credit on XXXX 2014. But what did was changedthe payment history from payed on time to delinquent and threaten me withforeclosure on my home. For 11 months, BB & T has done nothing to rectify thismatter, but instead threaten me with foreclosure. After 11 months, close to oneyear of this going back and forth with them, I told them that since they wereunwilling to correct their mistake, I would not pay the full {$330.00} payment, but I would only pay {$32.00} on my mortgage for the month of XXXX 2014, and Iwould be contacting the XXXX for assistance with this matter. I explain, thatbecause they were holding a three hundred dollar payment of mine and had notgiven me credit, and I was tried of them giving me the run around. Only then, is when BB & T. that is when they did this changing of the history, and they alsocharged my mortgage account a late fee of {$25.00}. Even though, BB & T acknowledgedthat they were holding my {$300.00} in a special account with out my permission andwithout giving me interests on the {$300.00} that they were holding nor givingme access to the funds. At no time did they ever question my receipt nordid they ask for additional proof of this payment. They simply chose not to deal withthis matter, but chose instead to ignore my many, many requests to correct this and applie to my principle