BB&T Financial Debt Collection Complaint

BB&T Financial Debt collection department,

Credit card Cont'd attempts collect debt not owed Debt is not mine North Carolina

In - or around there my wife and I started - - - with my brother and sister in law - in - of - we opened a credit line with - credit cards. In - of - we were bought out by the - and any past and future debt we were to be indemnified. A buyout contract was drafted and signed - -, -. A few weeks ago ( 8+years later ) I am getting phone calls from debt collectors at BBT saying that I owe b/c I am listed as a guarantor on the card and it is over 60 days late. I reached out to BB & T eventually talking to - - ( VP Small Business ). He asked if I had removed myself and I told him I could n't remember something 8 years ago, but I thought I had or the - were supposed to. I sent him a copy of the buyout contract, but ultimately he said I was liable b/c my name was on the sheet and that it was up to me to make sure I was removed. I asked him repeatedly why my wife was n't getting calls for


- - account, but said it is most likely her fault for not closing mine. There is no way my wife and I would n't have gone in together and removed - our names from this credit line. Furthermore - claims she told - - all of this, but he still would not release me and lied to me saying he did n't know why my wife - - - was being called. She is not being called b/c she is not on the account any longer! I am being told that the past due delinquency is almost 90 days at which time the debt will be handed off to a collections agency and it will hit my credit. My credit score right now is a perfect -. I should not be responsible for someone elses debt. There is evidence that supports us being bought out in late - and there is a person who remembers closing my wife 's account and saying she may be at fault for not removing myself. - - claimed he moved up to his superiors to plead my case with no success, but yet lied to me about my wife being on the account so I ca n't know for certain that he went to his superiors. I am not sure what is going on, but I should n't have to pay someone elses debt nor should my credit take a hit for something I did n't do. - said that this debt will probably be handed over to collections in the next week or so and at that time hit my credit. So with that info I am being forced to consider paying a monthly payment of a debt thats not mine to bide me time on my credit to refi my house. I threatened to take my mortgage and over - accounts from BB & T with no effect, but I have started that process either way this turns out. I am being told by some that technically the bank can attach to other accounts so I am moving to not take that chance as well as I do n't want to do business with a bank that knowingly treats their customers this way. My move has to be done before my credit tanks. I have told - that I did n't know my name was on their. I have never received a statement in over 8 years. He asked if it was on my online banking and I said no. He went on while we were on the phone and verified that it was n't. I also told him it did n't appear on my credit report which I receive monthly. I have limited time here. I do n't have the money to pay a minimum payment and should n't have to, but to move my mortgage I am being forced to do so. I almost conceded to just take the hit on my credit b/c morally I was n't going to pay the debt and BB & T was still holding me liable, but with this new evidence of - - I will not succumb to the big bank treating my family and I this way.