BBT has been grossly insensitive to the needs of the customers. I have been asking BBT to reduce the 2 digit interest rate on my mortgage for almost 15 months. No one will listen to me. I kept on paying because I want to protect my credit. When my job advised me that my hours will be cut In July 2009, I knew that will pose a problem with keeping up with BBT'S exorbitant interest rate. I knew I am qualified for loan modification. I went to Christy James at the Hwy 85 branch submitted ALL the paperwork required for rate reduction and loan modiification. I did not hear from her again. I called her weekly, she didn't have the decency to return my call. After three months of calling, I was able to reach Christy James. She said, I have 3 addresses on my credit report and that was a concern to her. I told her the address was my mom, my sister and myself. I went to her office with my mother who had originally giving me $27, 000 as down payment for the house 3 years ago, and my sister and myself. All three of us showed her our GA IDs to show that the addresses on my credit report are my mom whose house I used to live and my sisters. And she said BBT prefers houses to go into fore closure than to modify it. Her statement shocked me. Is this the true mindset of BBT. Will BBT use any form of excuse to be taking peples home from them. I told her that I was not willing to walk away from the $27, 000 investment on a $120, 000 home and that all I am asking for is a rate reduction. Interest rate around the country is as low as 4.5 percent, why will BBT insists on 2 digit interest rate at this time and in this hard times. Christy James said she will send this to the underwriter and she will get back with me the following week. I did not hear from her. I kept calling, calling again. Six weeks later, I was able to reach her and she said, loan modification is denied. I said, what do you want me to do, she said I dont know. In my life, I have never seen such iinsensitivity and such un professionalism. I still dont know what to do.