BB&T Financial Consumer Loan Complaint

BB&T Financial Consumer Loan department,

Installment loan Taking out the loan or lease Georgia

On - -, I was denied a line of credit with BB & T. As of -/-/2016, I still have not received an adverse action letter in violation of the FCRA. After the denial I discovered that my application was intentionally falsified by - - -. As a result of the falsified application - -, processed another application and included the assets that - - - did not include. - assured me that there would be no additional inquires because the prior application was recent ; however, there was an additional inquiry which I did not consent to. This violates FCRA.


Additionally the minimum line for the product was -. My liquid assets totaled a little under -. After the denial - stated specifically " BB & T likes to see liquid assets match dollar for dollar ''. If this is true why would this not be disclosed so that I would not waste my time if the minimum line of credit is - and BB & T want applicants to match liquid assets dollar for dollar knowing my liquid assets only totaled under -? It is my position that both inquiries should be removed because there was no business necessity to obtain a credit report when it was known I did not qualify because of a lack of liquid assets. Also, both adverse action letters should be provided to me immediately.