The closing papers that were sent me are dated XXXX/XXXX/15. That means that I contacted BB & T before that, to start the process and I do remember that it took some time for me to get the closing papers sent to me. With that being said, my original call was around or before XXXX/XXXX/15 to the loan officer at BB & T. I can not prove what the exact date is because it was a phone call and I did not think that I would have to create a history log. 

Around XXXX/XXXX/15 I called BB & T XXXX office to complain and got what they call " the chairman 's line ''. This is when a manager above my loan officer called me. I informed him of the long delay in processing my loan and that I now have a late fee. I asked for the fee to be removed and to look into the delay of my re-fi. He said that in order for him to remove the existing late, I needed to bring my loan current. To which I did and by closing out my IRA account. The closing check was just over XXXX. I also informed him that when I asked my loan officer why the delay, he said that re-fi take back seat to new loans and that they are overwhelmed right now due to changes in the regulations. The manager agreed with that statement. 


On XXXX/XXXX/15 I received the follow email : XXXX, I got a call from the processor, XXXX that she was ready to submit your file to underwriting, but that we needed the XXXX payment to be current. When do you expect to make that XXXX payment so we can get your file underwritten please? 
Thank you - XXXX is the loan officer. I called him and said that I have my IRA closing check and it is just over XXXX and I would like to put it towards a down payment. After running some simple numbers we agreed that it would not make enough change in the payment value and he also said that he would have to redo the closing papers. So I agreed that I will bring my existing loan current and the remaining will go to pay off some debt. 

From the email I just referenced, I brought my loan current and was under the impression that the loan had been pulled and sent to underwriting. I have not received ANY calls from BB & T since then, saying the my loan was past due, none. 

Just the other day I received another email from my loan officer saying that I need to provide information pertaining to make IRA deposit of XXXX proving where it come from. It is under XXXX and a legal deposit! He also informed me that I need to bring my loan current again, by 2months. This is of it self, will change the closing loan value. Today XXXX/XXXX/15 I called BB & T XXXX to file a complaint and spoke to a manager. He said that a senior manager would be in touch with me within 2-3 days. He did not give me a direct line or any way to follow up, upon my request, should that not happen. That is when I decided to file a complaint with CFPB. 
