Consumer complaint received 05/29/2015 about Debt collection (Mortgage) with BB&T CORPORATION (NC).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: In late XX/XX/XXXX, Branch Banking & Trust [ BB & T ] initiated a false mortgage foreclosure fraud scheme against my husband, XXXX and me by invading our life with financial accusations, knowing it too cause confusion and be time consuming providing copies of checks and other evidence. BB & T scheme by design to progress slowly and included fraudulently creating problems. 

I complaint of BB & T 's affiliate, XXXX XXXX XXXX XXXX which does not exist pursuant to North Carolina XXXX of XXXX [ XXXX ] ; however, I believe it is operating under the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX or TradeMark Properties Mortgages. In their advertising the name XXXX XXXX is used and on their signs. This is the latest attack by an alleged agent without any authority or cause. Agent willfully destroyed 23 years of landscaping with expense plant like English boxwoods, peonies and savannah hollies XXXX feet tall, all for the purpose of a job to replace what she destroyed, then she can bill XXXX XXXX or the government a big fee. 

The mortgage as alleged was a XX/XX/XXXX refinance for a 20 year conventional with a fixed rate of 5.5 %, and there was no escrow account, we paid property taxes and homeowner insurance annually. BB & T targeted us willfully knowing it was itself that people should be questioning. 

BB & T invited XXXX XXXX XXXX XXXX XXXX [ XXXX ] to join in its bulling and harassment which, CFPB revealed XXXX was without authority to do business in NC, so next XXXX XXXX, agent filed criminal trespass and breaking /entering charges against both of us intentionally knowing she lacked authority. The judge dismissed the charges after agent failed to provide evidence of authority. XXXX still used our name and property in paper fraud filings to advance its illegal scheme by creating a negative illusion of our character by misrepresentation. 

I demanded copies of XXXX XXXX alleged authority to act against my property, but it agent failed to provide, but still intentional projecting bulling and abuse. XXXX XXXX 's advertisements fails to disclose how they hunt out property and then attack homeowners like ourselves for equity stripping without sour consent and against our will, this agent has employed official cops on false pretense, including a posse driving retired cop cars to intimate us. Our home is not for sale. 

Certain fraudsters have created a rule upon which they relay, claiming its a law, but it has no enacting clause ; therefore, it is by an unknown agent and is void and null. XXXX XXXX agent also alleges to be a federal employee of XXXX XXXX while, violating most of its federal purposes. 

The XXXX XXXX XXXX of Deed show XXXX and I are the only legal and lawful owners, and have been for over 23 years ; although, I do think certain people have been using our property for financial gains without our knowledge and without our consent. 

It now appears these actors think they have immunity under XXXX XXXX, that if they commit a crime or violate a private people 's rights to advance other certain officials or lawyers they will be protected and receive a benefit. The scheme was designed to function in this unlawful manner, aided by other false information and forms so to cause confusion. 

These are impostors intentionally acting to harass us and other folks, XXXX XXXX is acting as debit collector using false debit and failing to provide its authority or to obey the laws, we have evidence to prove its bulling and threats are real.

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