BB&T Financial Complaint

BB&T Financial Consumer loan department,

Vehicle loan Managing the loan or lease New Jersey

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 supposed - bal. of $1900.00. ). It was not until I went for an apt - rental that a Realtor alerted me about the CO. She was especially concerned that RAC - NOT given me ample time to pay-off the balance before reporting a CO. I was in the final year of a - yr. loan ( extended approximately -. out ). RAC cost me that - - rental ; I am now trying to obtain another rental. I need my report corrected a.s.a.p. please! Within the past several days I

does n't appear anywhere on my report ). Today -/-/- I received SHOCKING info. from -. Sent because I requested 'any ' additional info. be furnished to me ; necessary after realizing - was n't budging! I have PROOF from - that indeed they sent RAC a $5200.00 ck. as a 'payoff ' for release of Title. I have the payoff acknowledgement letter and I have my Toyota Title ( - furnished it today )! Regional Acceptance Corporation is AWFUL! Do the math please. I want to know how in 6 years 'they do not owe me money '? They received a total of $24000.00 ( or very close to it ) on an orig. $14000.00 loan. I would like them to explain how the interest/late fees were accrued. First they MUST CLEAR my credit reports ( all - ) - again they are costing me from securing a rental for which I need. I wish to involve the government because I 'm fed up with this company and I feel they are shady. During one of the worst moments in my life I was harassed by them ; I am still caught in their poor business practices. Finally, as they did receive a 'payoff ' in the amount of $5200.00 - ; but they still believe ( incorrectly ) I owe $1900.00 ( before interest ) - is n't it RAC who owes me? If $1900.00 was the balance - I assume it was the balance - when - contacted them for a payoff amount. I believe they took MORE than they were entitled to. - was covering me ; but first needed to receive my - from -. I had comprehensive and full collision - they were giving their customer her check which would have been the Blue Book Value ( or whatever source they use ). I think RAC was told by - what the car 's value was ; and I truly believe RAC claimed $3300.00 above what they were actually due. I 'm guessing they were due $1900.00, as my report states I owe. Perhaps North Carolina does n't know what - is doing. Or, maybe 'somebody ' pocketed the $5200.00 check - why else is it not acknowledged on my credit reports or even after I sent a copy to the bureaus this month? Please help me get this straightened out. Thank you!