My mortgage was bought by BB and T. Worse thing that could have happened to me. Received letters stating they had tried to reach me by phone which i know is not true, I called to ask and was told " these are just computer generated letters" You dont send computer generated letters to someone who is trying to get a modification on a mortgage that is at 7%!!! BB and T took the government bail out money but they are very slow to look at mods and the refinance dept was just as, if not more, incompetant. I would NEVER do business with this bank in any capacity!!! Going to try to find a way to complain to FHA. Was on hold for customer service for 15 mins. finally gave up. If you are trying for a refinance or a modification try another company!!! You will get farther.
Do not do business with this bank. They tried to reduce 100% verified income by 50%, which is illegal per the FTC under the mortgage discrimination laws (complaint was filed). Then they kept trying to add back in student loans that were consolidated, even after I communicated several times that these loans had been conolidated. There is little to no communications or call backs, the underwriting process is weak and deceptive and seems to rely on illegal practices. They then tried to push me into a high fee point loan which would have required high out of pocket costs after selling me on another product that I would have easily qualified for if they would have underwrote the loan correctly.
If I was you I would never bank at BBT. EVER!!!! I am a 15 year account holder that will be closing my account over a $10.00 fee that they charged and stated that while it was not charged correctly they will not refund it.... Spread the word!!! (Share if you would like!)
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