Review and analysis of over 135 complaints against BB&T Financial
BB&T Financial consumers have reported over 135 official complaints related to Managing the loan or lease. Out of the 135 consumer complaints against BB&T Financial, 27% were disputed by the consumer (i.e. the consumer was not happy with how BB&T Financial responded to their complaint) and 100% were processed in a timely manner. 1% of consumer complaints against BB&T Financial resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 1% resulted in non-monetary compensation.
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BB&T Financial Consumer Loan managing the loan or lease February 28, 2017 - I have a vehicle loan thru -. Being laid off from job, I was told that they do not refinance and i would have to find a finance company that will refinance. but due to the high interest, i owe $13000.00 over the blue book value of the car and still not employed no one will finance the car. - were nice to give me a deferment in - till -. However, since -, I have called, left several messages and talk to representatives to be told I would be called back regarding the surrendering my vehicle process. I dont know what to do, can you help?... |
BB&T Financial Consumer Loan managing the loan or lease February 24, 2017 - I called the finance company after my vehicle was repossessed. They did not care that the tow company damaged my car. I explained that the agent hit the fence with the vehicle and that there was damage to the vehicle on the passenger side and they drug a hugs log under my car. The manager - as he called himself talked over me, cut me off when I was talking. Granted I was upset because the issue was that the company they hired damaged my vehicle and the finance company did not care. But when I picked up my vehicle it was covered in dirt ( my car was clean before they took it ) so I could not... |
BB&T Financial Consumer Loan managing the loan or lease February 11, 2017 - In - -, I opened at auto loan with Regional Acceptance through - - - in - -, Maryland. I received at loan in the amount of $25000.00 with an interest rate of 29.9 % ( payments of - monthly for 66 months ). After making on-time payments for over a year. I lost my - position in which I notified Regional Acceptance and asked for a loan modification ( due to my current income and past on-time payment history ). At that time I was told that they do not do refinancing. In turn, I attempted to refinance the loan with my credit union and was told that the vehicle has too m... |
BB&T Financial Consumer Loan managing the loan or lease February 2, 2017 - My account with Sheffield Financial Corp was opened -/-/2008 and paid off, they keep reporting the account on my - Credit report even after I keep asking them to remove it because its over 7 years old.... |
BB&T Financial Consumer Loan managing the loan or lease January 25, 2017 - Account Number : - I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of -/-/2010 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.... |
BB&T Financial Consumer Loan managing the loan or lease January 4, 2017 - The company reported a late payment on my report when I informed them that I set up my auto draft on heir website. I 've asked them to remove the late payment and I set up the auto draft through my bank instead. They refused. My score dropped because of this.... |
BB&T Financial Consumer Loan managing the loan or lease January 4, 2017 - In -/-/- I purchased a - from -/-/-. Our credit was pretty bad at the time, and foolishly we signed for a high interest loan on this car. We have paid $ - since the purchase date. Payoff right now is $20000.00 plus on an $18000.00 car! Not one dime has went toward the interest. Every cent has been going to the interest. They refuse to let me talk to someone to tell me why, and make excuses for why it is all interest. There is no possible way to get out from under this loan, or even come close to paying it off. We have had probably 20 car loans during the course of mine and ... |
BB&T Financial Consumer Loan managing the loan or lease December 27, 2016 - I have disputed Regional Acceptance many times because they continue to report inaccurate information such as the balance and notating it as key derogatory every month which causes my credit score to go down. They continue to confirm and verify the information is reporting inaccurately however they have not responded to any of my direct disputes with them. I have been writing to them for almost a year and they have not responded once!!... |
BB&T Financial Consumer Loan managing the loan or lease December 19, 2016 - I 've sent a request to get validation on my current vehicle account and I 've never received a response. I 've had great payment history with this company since -/-/2013. They reported a - day late payment and I 'm unaware of the late payment.... |
BB&T Financial Consumer Loan managing the loan or lease December 19, 2016 - I got a loan in 2008 and I am still paying. I will never get this paid off. It was financed for 7 years and at the end of that I was told I still owed money. I have been paying on this car for 9 years!!!... |
BB&T Financial Consumer Loan managing the loan or lease December 16, 2016 - I received a loan for the purchase of my vehicle from - - Bank. I setup an autopay account with that bank. - - sold its auto loan portfolio to BB & T. - mailed me a letter indicating that that it sold my loan to BB & T, which in turn, would be serviced by " - - - - / -. - - / -, Texas - / Phone : - '' - 's letter indicated that BB & T and/or - - would be mailing me a " Welcome Package '' indicating how I could setup autopay. I do not know my account number and can not pay the loan. - - continues to call everyday. I 've asked that they... |
BB&T Financial Consumer Loan managing the loan or lease November 27, 2016 - I returned a lease vehicle to auto mall - in -/-/2016 and I made monthly payments to Hann leasing. The lease was for 39 months and I drove the car about - miles. I had a few scratches on the car. I expected to pay something for wear and tear but I received a notice - months after the car was returned for $2300.00. I was charged $1900.00 for paint labor and parts and they indicated I was in a collision?. The car I leased was a - ultima. I would like to pay them a couple of - dollars to conclude this matter. I have read stories on the net they attempt to rip off other consum... |
BB&T Financial Consumer Loan managing the loan or lease November 9, 2016 - My complaint is directed towards Regional Acceptance Corporation. I have had a loan with them for two years. My outstanding balance is not going down at all and they charge $10.00 per day that the payment goes past the due date. In my particular situation, I had poor credit due to a loss of a job which in turn I lost my house, car etc ... ..this is the only company that would accept me, this is something I HAD to do as my mother was ill and I had to travel long distance every weekend to care for her. I lost my mother in - of this year and due to the travel back and forth became late on my... |
BB&T Financial Consumer Loan managing the loan or lease October 28, 2016 - In - 2009, we entered into a retail sales agreement with Regional Acceptance Corporation, which has an office in -, Ohio, among others. The contract was for a purchase of almost $18000.00 for a used car. The interest rate RAC gave us was 23.75 %, which equaled total " finance charges '' over the 66-month life of the loan of $14000.00. This was a total contract amount of $32000.00. During repayment, RAC failed - times to allocate the agreed amount to principal from our monthly payments, for a total underpayment on loan principal of $5800.00. Included in these - failures wer... |
BB&T Financial Consumer Loan managing the loan or lease October 20, 2016 - I had a car loan through Regional Acceptance that I paid the last and final payment on -/-/16 of -. I spoke to the company on -/-/16 to confirm m my new address so that the title could be sent and was told by the rep that it was sent out on -/-/16. On -/-/16 Regional processed a debit of - on my checking account without my knowledge or authorization. I would not h have made a payment after I had paid a final payment previously. This company y did this once before earlier this year and I had to block any checks from them on my account. I am concerned that they held... |
BB&T Financial Consumer Loan managing the loan or lease October 14, 2016 - I financed a - - thru regional acceptance in - - I put $4500.00 and have paid my notes on time every month except the lst 2 because I am trying to get out of this contract and with someone else. I owe more now than I financed. I got 2 deferrments because my mom had an - and I took off work to care for her until she passed away and they charged me almost as much as the note to defer it, not to my knowledge. I have tried to refinance it or trade it in but I owe $10000.00 more than it is worth and the other companies den me because regional acceptance says I have poor payment h... |
BB&T Financial Consumer Loan managing the loan or lease October 11, 2016 - Account : REGIONAL ACCEPTANCE CORP shows past due 30 days on -, - AND - credit report. Account is closed and paid. As they have accepted last payment and account is in agreement. Never late.... |
BB&T Financial Consumer Loan managing the loan or lease September 16, 2016 - After numerous failed attempts to have Regional Acceptance Corp. To verify this so called debt that I do not owe them. They will not yet send me verification and they are reporting negative accounts on all - of my credit reports.... |
BB&T Financial Consumer Loan managing the loan or lease August 22, 2016 - i purchased a 2009 Hyundai sonata from - - - -/-/2016 my down payment check bounced due to insufficient fund of - dollars i was financed through regional acceptance corporation with a car payment of - currently I 've had the vehicle 90 days and agreed to pay car note until i found out registration or vehicle is not titled to me on the memorandum title to obtain hard plates, i was told the vehicle is still in - 's name even though i 'm currently approved for a - dollar loan i was contacted by - police also about the check, - states give them regional 's money and th... |
BB&T Financial Consumer Loan managing the loan or lease August 12, 2016 - I 'm a - veteran living on benefits, got a car on -/-/2014. Then fell into financial hardships, got behind on car payments. I knew that there would be late fees as it read in the truth and lending disclosure bracket of - % after 10 days of said scheduled payment. Then come to find out that lenders were charging us what they called " a $6.00 per diem PER DAY!!! '' if our full payment was not received on the - of every month, on top of the - % late charge fee! Then they take our monthly payment, deduct their " $6.00 a day per diem late charge first, then the late charge of -... |
BB&T Financial Consumer Loan managing the loan or lease August 9, 2016 - I paid my - scheduled payment. I then sent a separate check with the instructions stating, " APPLY TO PRINCIPLE ONLY '' on the check. So, I sent 2 different checks at the same time. They will not apply my 2nd check to only the principle balance and are only applying a portion then applying some to interest and then pushing my next scheduled payment to -. I called to complain and explain that the 2nd check is a principle only payment and asked to speak with management and she refused to transfer me. Instead she gave me a summary of how loans work. I am demanding that my 2nd check sent be ... |
BB&T Financial Consumer Loan managing the loan or lease August 1, 2016 - My insurance company attempted to make payment and requested a Letter of Guarantee for the title, but was told Regional Accepatnce 's insurance department is short staffed, so it would take between 4 - 6 weeks to draft the letter ( which at most, takes 3 - 5 business days ). I called and was told my loan would still be accruing interest and payments due while waiting for them to send the letter for a vehicle deemed a total loss. I was told I would have to make a payment extension, then told my - insurance would not cover any time I had a payment extension, and that interest would still accr... |
BB&T Financial Consumer Loan managing the loan or lease July 11, 2016 - In - - I got an auto loan from Susquehanna bank. After making several payments, Susquehanna sent an incentive to " skip a payment " for the holidays. I paid the $30.00 fee ( interest payment ) and was everything was fine, my next payment was due the following month. I continued making my payments. Fast forward to -, when BB & T buys Susquehanna. I begin receiving letters that I 'm behind on my car payment. Then my credit is hit 3 times in a 90 day period, saying I 'm delinquent 90 days. The local branch shows all my payments are current but corporate is showing different. Because of... |
BB&T Financial Consumer Loan managing the loan or lease July 7, 2016 - I logged onto my online account on - - to make a payment and the system blocked me. I tried to use Regional Acceptance 's IVR system and I was unable to make a car payment. I called the number listed on the screen when I got an error stayed on the phone line for an hour and then the called disconnected. I called the local office on -/-/-. I spoke with - in the -, NC office he was a supervisor. He advised me that they blocked my ability to submit an online payment. I asked why he stated because they had no spoken to me, I advised him that I had not missed a payment on the accou... |
BB&T Financial Consumer Loan managing the loan or lease June 29, 2016 - I purchased a vehicle in - -. The vehicle was totaled on - -, -, and the bulk of the loan was paid by - - on - -, -. The remaining balance was covered by GAP insurance, however, the GAP insurance company needed information from the lender to payout the claim. From - to -, I contacted the lender several times in reference to them submitting the requested information for the GAP claim, however, they never responded. Instead, I would receive infrequent calls from their collections department demanding payments. In -, -, I spoke with - in upper manageme... |
BB&T Financial Consumer Loan managing the loan or lease June 27, 2016 - My husband ran the car into a pole, attempting to avoid a dog in the street. The care was deemed a total loss on -/-/2016, my due date for payments is on -/-/2016. I thought the claim would be finalized by then, but it was not. I made over 15-20 phone calls to the insurance department at Regional Acceptance, and - - in the insurance area. I asked -. Acceptance to expedite my claim, for - - of - - claims adjuster phone # -. Claim # -, to verify information, my claims adjuster was waiting for a letter of guarantee, of which the process took 4-6 weeks to sen... |
BB&T Financial Consumer Loan managing the loan or lease June 21, 2016 - I have a home improvement loan with this company since - -, 2015 and this is a interest free loan for 18 months. This was approved by - -. I am suppose to pay BB & T $250.00 per month for 18 months. This amount is suppose to be applied to my principal. After 18 months I pay the remaining balance. I have been paying $250.00 for the last one year. BB & T has been sending me statements stating that only $9.00 go towards the principal and the rest $190.00 goes towards the interest. I have contacted the company in reference to this issue many times and they state that they c... |
BB&T Financial Consumer Loan managing the loan or lease June 17, 2016 - I went to pay off my loan with BB & t, they told me they would not accept my payment. that I had to request a payoff and go through process. I had submitted for payoff. this was a branch manager that was going to hand me back my payoff checks and not payoff my loans. She ca n't refuse me this. A teller did take my money but for a manager to act this way was inappropriate ... |
BB&T Financial Consumer Loan managing the loan or lease June 17, 2016 - Regional Acceptance Corporation in - Ga is the worst I do not want to include my name because they may continue to harass me. But that Supervisor - - is horrible she does not know how to talk to customers and I hate that I asked for a supervisor. She is nasty, rude, and very unprofessional and I do not know who hired her she is nasty. I have spoken to her maybe twice at the end of the month and she told me one time that well maybe you ca n't afford the vehicle and it 's an affordability issue. Life happens and things happen and I know that I took out this loan but for her to talk over... |
BB&T Financial Consumer Loan managing the loan or lease June 9, 2016 - I traded in a vehicle on - - ( - - ) and bought a new car.! week later a collection agency calls me at work and was rude at best wondering why I have not made my payment on the -. I explained to him that the vehicle was traded in and to who. It is a very reputable dealership. He said OK. Today he calls my wife and starts giving her a hard time and making idle threats about posting to my credit report and legal action which I think they already did because my score dropped - points today after being told it was traded in and to whom. So I contacted the dealer and they are goin... |
BB&T Financial Consumer Loan managing the loan or lease May 24, 2016 - I purchased a car almost 6 years ago. I missed a few payments and extended the life of the loan. The car was and still is in very bad shape and properly should n't have been sold or bought. The transmission had to be replaced, the - went up and had to be replaced, the body of the car is rusted and the paint on the hood is fading which appears that it is a different hood from the original car. It looks as if the car was in an accident. So, when I called because I wanted to sell the car - I was told that the car costs more now than when I bought it six years ago. It 's a 2006 Chrysler Town an... |
BB&T Financial Consumer Loan managing the loan or lease May 16, 2016 - This is regarding an auto loan I have with Regional Acceptance Corporation - They have been ripping me off big time. I got the load in - of 2012 for $23000.00 ; I have been paying $550.00 a month for three and a half years ( I do admit missing a few month 's payments - about - in 3+ years ) and they claim I still owe $21000.00. What interest rate have they been charging? They do not abide by what is stated on the first page of the contract under the " Federal TRUTH in Lending Disclosure '' ; instead they have converted the contract from a SIMPLE interest transaction to a COMPOUND ... |
BB&T Financial Consumer Loan managing the loan or lease April 11, 2016 - Hi, I have an account with BB & T # - I pay monthly car loan payment of $470.00 and recently I paid Extra Payment ( Second bi-monthly payment ) to reduce the principal but it went towards interest. I understand bank always finds a way to get money from customer but I want to reduce the principal as well. I filed several case with CFPB and finally I had a chat with - -, BB & T Branch banker, He explained everything and it was very clear until my second extra payment went towards interest, He told me any payment amount over $470.00 will go towards to reduce the principal but he li... |
BB&T Financial Consumer Loan managing the loan or lease April 11, 2016 - I have - 5 year notes with BB & T that is due in - -. The notes are for property that I purchased where I run my business, a software development company. The loans are not only secured by the property but by my personal assets. Under the terms of the contracts, 1 ) I was to supply BB & T with my personal and financial returns every year within the first 90 days of the year and - ) Maintain a corporate debt to income ratio of less than -. -/-/-, I was informed by the Asset Recovery Division of BB & T, that I was in default of my loan for the above - provisions. This was... |
BB&T Financial Consumer Loan managing the loan or lease April 5, 2016 - Me and my husband opened an auto loan with Regional Acceptance Corporation -/-/- and purchased a - Pontiac Solstice for $12000.00 at - a month. We have previously paid a few payments late but have been catching up everything here in the last few months. We noticed that our balance has changed but $1000.00 dollars and our payoff is more than what we purchase the car for. I have asked someone from Regional to call me and give me a break down of our payments and how it affects the interest and principal but no one has contacted me yet. We have paid almost $10000.00 towards this v... |
BB&T Financial Consumer Loan managing the loan or lease April 1, 2016 - Hi, My name is - - I have a car loan with BB & T Bank ( - # - ) and It looks like the interest payment amount keeps going up instead of going down every month. I thought interest payment should decrease over time and monthly payment applied to Principal should increase. However, payment applied to principal keeps decreasing every month. This Bank is going opposite I need help. ... |
BB&T Financial Consumer Loan managing the loan or lease March 28, 2016 - I entered into an agreement with Regional Acceptance in - to finance my car. I did not realize that the cost of this loan would be more than double the cost of the car ( and I do take responsibility in not reading the paperwork fully prior to agreeing ). I recently noticed when reviewing a few statements that the way things are being done will cause me to be paying for more years. For example, - - my balance owed was around $ - and - - my balance owe sits at around $ -. So after paying $ - monthly in 3 years my balance only goes down about $1500.00 per year? This is s... |
BB&T Financial Consumer Loan managing the loan or lease February 18, 2016 - From 2012 to the present, Regional Acceptance Corporation charged unnecessary charges for a 4 year loan. Customer paid $17000.00 on a $21000.00 note and the company has alleged due to late payments that we now owe $19000.00. Our records indicate a balance of $3000.00. We believe the company has overcharged and is abusing the rates of late fees and daily interest compounded. We owe around $3000.00 on the vehicle and want to pay it off. ... |
BB&T Financial Consumer Loan managing the loan or lease February 14, 2016 - While reviewing my - credit report, I noticed an unauthorized and fraudulent inquiries initiated by BB & T Dealer Finance on - -. I did not authorize any employee of BB & T to review my credit report at any time. This action is innclear violation of my FRCA and Privacy Acts. I had requested that BB & T provide me with any documentation to validate this inquiries within 5 business days and they have failed to do so. I am requesting that these adverse information be permanently deleted from my credit profile as they have resulted in my inability to secure an employment or housing and ob... |
BB&T Financial Consumer Loan managing the loan or lease February 8, 2016 - I have a car 72 month fixed rate Loan with BB AND T bank. I never had late payment I always make payment on time but the interest keeps going up. I want to know why it 's keeps going up. I usually pay total $470.00 per month with interest of $61.00 BUT it keeps going up and I 'm currently paying interest charge of $75.00. I want to deduct principal so I pay extra per month but the bank always charge more interest every month. I need help. ... |
BB&T Financial Consumer Loan managing the loan or lease February 7, 2016 - Hi my names is - - and I 'm very upset with regional acceptance corporation it has over charged me from the beginning of and has n't fixed the problem my payments have - but i was told that my payments would be - and it has n't been no where close to this the car has a warranty but they charged me for another warranty that i did n't need among other things i was promised that i would get my spear tire but i still do n't have one and i need that cause i attend college and you never know what will happen i want my payments to be reasonable like i was told when i purchased the car als... |
BB&T Financial Consumer Loan managing the loan or lease February 5, 2016 - I had an auto loan with regional acceptance corporation. The account was charged off and included in my bankruptcy. However the account is now 7 years old as reported my first late being - 2009. After several attempts you contacted regional acceptance. I received a reply that they would remove four months of reporting charge off after my bankruptcy was filed. However I was then told that my first late on this account does n't count towards the seven years because I then became current before becoming late again. I am only allowed to speak with there bankruptcy department when I call and was... |
BB&T Financial Consumer Loan managing the loan or lease January 28, 2016 - The problem began with the refinance. The loan officer was extremely disorganized and the application was incorrect. The loan was to be in my name only but the financials included all of my husband 's information. It also included all of our old financial data and none of the new information provided. When I brought this to her attention, I was advised not to pay any attention to this it was a clerical error and not a problem. This was the information that was going to be used for the HELOC we were applying for and to sign the documents. I had to manually mark through information and initial... |
BB&T Financial Consumer Loan managing the loan or lease January 21, 2016 - For the past 3 years, - - has been sending paper checks to BB & T for my auto loan. This past -, - - sent them a check for $470.00 on -/-/- with an - of -/-/-. On -/-/-, I receive a notice that I 'm overdue on my - payment and I also owe a late fee of $16.00. So, I pay the amount for - - and - - for a total of $820.00. However, I find out with the help of - - that BB & T had contacted them yesterday to let them know that they had received the check for $470.00 from -. The - - rep even verified that it was the co... |
BB&T Financial Consumer Loan managing the loan or lease January 20, 2016 - I have an auto loan with Regional Acceptance Corporation that I opened in -. I have been paying on this loan for more than 5 years giving them almost - a month. The loan amount was $16000.00 and they are telling me because of interest and late fees that I still owe them over $10000.00. As of last month, I have paid them a total of about $22000.00, so they are telling me that I have given them $16000.00 in late fees and interest. When I purchased this car I felt like I was being pressured and plowed down by - people in an office at - - in - - FL and they found this ... |
BB&T Financial Consumer Loan managing the loan or lease January 2, 2016 - I have a consumer car loan ( truck ) that has not been conventional by any sense of the word. Currently my loan is coming to an end ( 3 payments remain ) and for the past 2 years I have tried to get this corrected with little result. Like most normal car loans you can pay more or completely pay off without any penalty but in my case even when extra payments are paid it 's simply reduced the amount of the next payment instead of reducing principle. Interest rates are also based on the month previous last payment instead of the newest month minus payment paid. I 've gone to my local bank branch ... |
BB&T Financial Consumer Loan managing the loan or lease December 17, 2015 - I 've already filed a complaint with you against Regional Acceptance Corp of North Carolina. All I want to do is lower my monthly payments to $250.00. a month or less. They tell me they ca n't do it. ... |
BB&T Financial Consumer Loan managing the loan or lease managing the loan or lease December 8, 2015 - I got a loan from Regional Acceptance Corporation address - - - - NC -. The loan was for - and with an accumulating interest of - that was in 2011 now they still want me to pay another - to pay off for car which I brought. I talk to them and gave an offer they refused and demanded that I pay or they want to reprocess the car and after they sold it I will still owe the differences. I paid a total of - for a loan of -, although, it was not a fair deal but that it what I could do at this time. I would like to file a complaint against this corporation so you can asses... |
BB&T Financial Consumer loan managing the loan or lease November 27, 2015 - On -, I emailed a letter to Regional Acceptance telling them to stop calling my place of employment. I followed up with a phone call stating the same. I was told that my work telephone number would be removed from their system. I provided - alternative phone numbers to reach me. Regional Acceptance continues to ignore several requests made by me. - '' a Regional Acceptance employee called my employer in an attempt to reach me on -/-/-. I have a copy of the email I sent and a recording of the last phone call received after the company was told to stop calling. ... |
BB&T Financial Consumer loan managing the loan or lease November 17, 2015 - -/-/- my husband and I took an auto loan from Regional Acceptance Corp for a - Ford Escape. In -/-/- the vehicle was totaled in a car accident that was not my fault. At this time we were still making our monthly payments of $370.00. Our insurance company, -, required a payoff amount from them and -/-/- sent a check to them for $6600.00 to pay off the vehicle. We are now buying a house and found out that they have been reporting us late to the credit bureau every month since then stating that we still owe them $3700.00. I have been calling them to discuss this 4 times... |
BB&T Financial Consumer loan managing the loan or lease October 19, 2015 - Sheffield Financial is reporting incorrect dates on my credit report thereby extending the 7 year reporting period. On my - report ( enclosed as attachment ) they are reporting the date of delinquency as -/-/-. On my - report ( enclosed as attachment ) No Data '' for -, -, and -/-/- was reported. This account went 30 days past due in -/-/-. I made a few partial payments after - but the account continued to remain in arrears. In -/-/-, I consulted an attorney if reference to this account ( attachment enclosed ) at which time the account was more than six mont... |
BB&T Financial Consumer loan managing the loan or lease October 8, 2015 - I submitted a contract in - 2015 to purchase a new construction home. Shortly thereafter, my financing was approved. I am scheduled to close on my home on - -, however, when my mortgage company needed to recheck my credit last week, they found that the automobile loan that I had co-signed for was 3-months past due. However, the lender never contacted me when the loan was 1-month past due when I am the co-signer/owner of that vehicle. This issue could have been resolved without this damaging my credit and lowering my credit score prior to closing on my new home as a first-time homebuye... |
BB&T Financial Consumer loan managing the loan or lease August 24, 2015 - Dear Regional Acceptance, I included the following documents : RAC Payment Admin - EZPAY - Phone Payment Confirmation Notice # - am disputing a missed payment currently reflected on my credit reports ( attached ). On - -, 2014, I made an EZPAY Phone payment on my account in the amount of $470.00 Confirmation # -. However, in - of 2014, my account was reported to the - major credit bureaus missing ( - ) payment. Please see the attached confirmation and please report to the - major credit bureaus ACCURATELY as NO MISSED PAYMENTS since inception of the loan. ... |
BB&T Financial Consumer loan managing the loan or lease July 17, 2015 - My vehicle was totaled by my insurance company due to extensive hail damaged. When I contacted my lender, Regional Acceptance Corp, I was told that the GAP policy would cover the remaining balance after my insurance company paid a settlement to the lender. The GAP did not cover the full balance because, as I was told, it did n't compensate for extension processed on the account. I did not receive any disclosures indicating such, and this could 've altered my decision to accept an extension on monthly payments that I fell behind on. Therefore, I 'm requesting that the deficiency balance be waiv... |
BB&T Financial Consumer loan managing the loan or lease July 14, 2015 - On my car loan its says - finance fee ... but I am being billed at $15.00 a day. Does the finance rate and the cost per date ... add up ... I have paid $4500.00. In - months and only about $1300.00. Has been applied to the principle ... ... |
BB&T Financial Consumer loan managing the loan or lease July 14, 2015 - The lender repossessed my vehicle at - months past due. This seems egregious, as I 'm on - -, and under medical care. This makes communication extremely difficult. The repossession charge makes it impossible to redeem the vehicle and the lender has shown no willingness to work with me regarding that. This is a hasty reposession and unneeded as I had been paying each month and had not exceeded - days past due. I want to redeems vehicle, and think the hasty actions of the lender make redemption with the added costs unbearable. This is discriminatory and predatory lending practices. ... |
BB&T Financial Consumer loan managing the loan or lease July 7, 2015 - BB & T claims that I am months behind on a loan, however, they have not provided me with loan documents, proof that this account is even mine. Only generic statements which have been e-mail directly from a processor ... When I attempted to add this loan account to my BB & T online profile the system claims that the account does not exist and although they claim to be mailing demand letters '' and statements to me directly, I have not received a single piece of paper mail from BB & T AT ALL since the purchase of my accounts from - ... I have closed all other accounts and was told by the loa... |
BB&T Financial Consumer loan managing the loan or lease May 22, 2015 - Regional Acceptance continues to fill my work mailbox with voice mails after I have repeatedly asked them not to call my place of work and have advised them that I would never answer the phone if they called me at work. They call numerous times a day, they begin calling as soon as a payment is late. I had been advised on a few different occasions that they would remove my work number from their calling list and that has not happened. Yesterday I picked up the phone for - of their calls for the - time. I advised them that I had setup a payment arrangement a day prior to taking the call. A... |
BB&T Financial Consumer loan managing the loan or lease May 17, 2015 - Terms are inconsistent with original contract for payment and balance and inconsistencies with the legality of loan reporting. ... |
BB&T Financial Consumer loan managing the loan or lease April 21, 2015 - Within the last two weeks Regional Acceptance Corporation ( RAC ), -, - has been contacted by all - credit bureaus re. a written complaint I filed. I opened an account - for $14000.00. I struggled - to make payments. - I was - for my mom and not working, they knew this. I was on a first name basis with their finance department. They were in - ; I still have their emails. - I totaled my Toyota. - my mom -. - RAC, after receiving $5200.00 from -, reported me as a 'Charge-off '! Today they state I still owe $2100.00. ( STILL adding interest to a suppos... |