BB&T Financial Mortgage Complaint

BB&T Financial Mortgage department,

Conventional fixed mortgage Loan servicing, payments, escrow account North Carolina

I am not getting proper credit for my mortgage payments, and BB & T Bank refuses to correct this matter. Through my credit union 's Bill Pay service, my monthly mortgage payments in the amount of $810.00 were set up as recurring payments and were sent electronically to BB & T Bank each month. My -, -, -, -, -, and - payments were sent from my credit union on the - day of each of these months. However, my payments were posted incorrectly by BB & T, and I did not get credit for my mortgage payments. I was charged late fees, reported to the credit reporting agencies regarding my mortgage loan account, and BB & T has caused my FICO score to dropped over - points because of their reporting false information. On - -, I received a letter from BB & T stating my mortgage loan payment was pass due and late fees of $26.00 had been assessed to my account. I contacted my credit union to verify that my payment had been sent, and I contacted BB & T branch


were being deducted from my account, I verified this information. BB & T continued to denied that they had received my payments. I received letters from BB & T again, on - -, and - -. On - -, I called and spoke with - in the mortgage department ( - ). She stated that she saw were my payments were being received, and that she would speak with her supervisor, - - concerning this matter. On - -, I received another letter, stating that they had reviewed my dispute and found my account had been incorrectly reported to the credit agencies. However, BB & T did not state that they would make the necessary corrections to my account ; nor did they go back and make the corrections. On - -, - l, - -, -, and -, again, BB & T sent out letters to me ; all stating that : my mortgage was pass due, late fees had been assessed to my account, and I could face default consequences including foreclosure of my home if my payments were not received by a certain date. During this same period of time, BB & T was calling my home repetitively, well over 30 times ; including week days and on weekends. They even called me on a recorded line. I finally told them to stop calling me ; they continued the calls, and when I reminded then, that I had asked, that they not call my home ; they hung up the telephone on me. I 've tried resolving this matter many, many times with BB & T, by phone and in person. Although, my payments of $810.00 continue to be sent, I am not getting credited for them. BB & T has me owing to date, $63.00 in late fees and charges, and $1700.00 in total payments past due ; which I denied owing. My account should be current, with my last payment of $810.00 made - - 2016. Although, I have never missed a mortgage payment, BB & T continues to this day to send out threatening letters ; they have made over 30 harassing phone calls to my home, charged my mortgage account with late fees, reported me to the credit reporting agencies, and caused my FICO score to drop from a - to - in one months time. Any assistance you can give me will be very much appreciate. Thank you, - -