Truist Bank (formerly BB&T Bank)

This bank definitely does not seem to care about their customers. I did the math in my checking account, even transferring $40 from one account to another. Somehow my account still goes negative by $5, and they charge me a $36 overdraft fee for five dollars. Even though my daily posted balance was still in the positive they charge me this fee. I've never known the system to show the daily posted balance, not the account balance, in the positive and still charge an overdraft fee for any kind of debit. Banks do make sure their systems re-order deposits and debits and other fun tricks to cause people to go negative, BB&T is above and beyond in this area. It clearly shows online if you look it up that they are one of the worst banks for causing overdraft fees, they rank in billions yearly.
Then I have a deposit go through and they still push through another debit and charge me another fee even though I had a deposit go through.
I called customer service and they are unwilling to waive at least one fee considering the deposit and considering I know it's the system. They will re-order debits and ACHs and deposits, but they will claim to you that timewise it worked in a manner that causes overdraft fees.
And to top it all off back in November, there was a date in which a deposit clearly posted. The same date they show after the deposit there was a debit and an overdraft fee charged. So on one date in November money was taken out with an overdraft fee included after a deposit was made with more than enough money to cover said debit. BB&T just doesn't care about us.

I have a pending transaction which would left my account $7 negative. Which I would've had time to deposit before it cleared, but since it was a pending transaction it caused me overdraft fees totaling $108. For $7 is crazy I refuse to just lay down and allow this bank to just take my money like that. I'm sure that have to be violating some law so I will be seeking an attorney or looking to see if another suit is already in the making

I am being charged late charges from BB and T says 1994 and I've never been late or missed a payment I've been to the bank spoke with managers for over a year and a 1/2 now, And the managers or their mortgage people cannot show me or prove to me where I miss or been late in payments. All so I to my payment stubs to show their I was paying on the 1st or the 3rd of the month and the Bank tellers where entering the Payments own or after the 16th of each month . The bank manager if the main branch saw this then asked the tailor about it But still do not fix the problem. I would love for a Lawyer to contact me so that I can Sue them for this problem they have started in will not fix.

I travel often on business and my primary client makes regular deposits into my business account. So often that not only do the employees in the florida branch where the deposits are made know him, the branch manager and some of the employees at my branch in north carolina know him as well. On november 19th, 2018, my client entered the same location in naples florida that he always makes deposits into my account. Then he emailed me a photo of the deposit receipt to verify he had made the deposit, as he always does. There were no indications of a hold being placed on the deposit. The deposit receipt said nothing about a hold. The teller at the branch in naples where the deposit was made did not give any indication verbally or on the receipt of a hold being placed on the deposit.

The following day, I paid bills and used my debit card as usual. Then to my embarrassment, my card was declined for a transaction. Thinking that something was wrong, or that possibly bb&t's system might have gone down, I called the 1 800 number for after hours customer service. It was at that time, I was informed that there was a 10 day hold placed on the deposit and that I had incurred over $600 in over draft fees. Having to go back out of town early the following morning, I sent my wife to the branch to discuss the issue with the branch manager. He stated that although he didn't agree with the hold being placed, it was out of his hands. He was able to release the hold but claims he does not have the authority to refund the $600 in overdraft fees. My wife showed him the photo of the deposit receipt and she was told it was not good enough and needed to produce the original receipt in order to get the overdraft fees back.

I contacted my client who like anyone else would do, had thrown out the receipt as he figured it was okay since he and I both had a photograph of the receipt. He then contacted his bank, (wells fargo) to check if there was a problem in the deposit going from his account to my account at bb&t and maybe that was the reason for the hold. Wells fargo informed him that with in 6 hours of him making the deposit, the money had left his account electronically through automated clearing house (ach) and the money was in bb&t's possession.

This is nothing more than theft by the bank.

Therefore, this brings to us another question of what is bb&t doing with my money while they decide to hold onto it for 10 days for no other reason than to have 10 days of its use to make money first from overdraft fees and then again by having a 10 day interest free loan on my money to use to invest with. Think about it... With all the depositors that bb&t has, if they have only 1000 depositors that they are holding just $1000 for 10 days, that is having a free ten day loan on $1, 000, 000.00 (one million dollars). If they do that every 10 days over the course of a year, they are borrowing $36, 500, 000.00 (thirtysix million, five hundred thousand) dollors, interest free! And without their customers permission! Not only that, but they are charging their customers overdraft fees on money that they have stolen from their customers!

With a $36, 500, 000.00 free loan, (and that is based on only 1000 depositors at a time) if they invested the stolen money and made a measly 4% apr (and we all know that they are not settling for that little amount of return, as anyone who has ever used them to buy a house, car or applied for a consumer loan through any bank can attest) they are making a profit of $1, 460, 000.00 on that stolen money.

When I look at it in this perspective, not only do I believe that bb&t needs to change their policy, I believe that the executives and employees behind this ponzi scheme need to go to jail, as I have seen far less on episodes of the hit television series american greed!

The problem is bb&t continues to get away with this practice because they believe that joe consumer is not intelligent enough or has the energy to go up against the corporate giant that is nothing but a bunch of white collar thieves wearing suits and acting like they care about their customers.in truth the only difference between bb&t and a chicago mafia is a bank charter license. Bb&t thinks that they can get away with it, and if one or two complaints are made loud enough they can settle a suit or pay off a customer to get them to shut up about it. Look at wells fargo, they were recently assessed a one billion dollar fine for fraud and it hasn't fazed them because they paid the billion dollars with money they made from stolen money as well. Bb&t just hasn't been caught yet. Let me emphasize the yet part.
Bb&t believes they as a corporation are too large to fail. They need to take a look at some of the other institutions who also believed they were too large to fail, such as countrywide home loans, freddy mac, fannie mae, circuit city, sears roebuck, the list goes on... They also fail to realize the power of the internet and the negative press that they are getting ready to receive when I post my story on every social media site from facebook, twitter, instagram and youtube, just to name a few. And we wont list every newspaper editor that will be receiving an editorial letter from me in every city where bb&t holds a branch location.

I urge all people who have complaints on bb&t to not just stop at this web site where you post your complaint. Do as I am and make the next step and file a complaint with the federal reserve. They are the senior governing agency over financial institutions. If a lower agency is over bb&t, they will forward the complaint to the proper agency based on the complaint. If enough complaints are taken to the next level, we collectively can put bb&t back in the stone age where they belong.

If you are reading this, and wish to join me in shutting down bb&t and wish to have your complaint heard by the federal reserve, go to this web sight to down load the complaint form and for instructions on filing your complaint.

www.federalreserveconsumerhelp.gov

For a federal reserve complaint form, go to: www.federalreserveconsumerhelp.gov/~/media/files/complaint/complaintform. Pdf? La=en

You may also fax your form to the federal reserve at [protected]
If you do not have access to a fax or not able to submit your complaint online, you may mail your complaint form to:
Federal reserve consumer help
P.O. Box 1200
Minneapolis mn. 55480

Or you may call the federal reserve directly to discuss banking problems with bb&t at [protected] (tty) [protected]

I go in to pay my mortgage payments on the 1st or the 3rd and they never post it until the 16th or the next month. I went in with my payment stubs show the manager that I paid on time but not there was done they told me to call the mortgage department gay be a run around back-and-forth i've been through this for about 2 years now they have me owning back pay over $2000 for their mess up. Can anyone point me in the direction of a good lawyer for a lawsuit to get this straight.

My mortgage account was locked by YOU because someone other than me was attempting to log in. I called customer service to unlock account and was refused because I didn't provide address associated with account on 1st try - I explained that I have moved 4 times in past 5 years and provided 5 different addresses!
Was told that I would have to DRIVE from my home in NJ to Florida to meet with someone in person!
Are you Kidding me!
My account was hacked, then YOU lock me out, than tell me to drive 1500 miles.
This is a mortgage account !
You can call me to CORRECT this situation and apologize for your inept customer service.
Chris Trick
[protected]

I have been with Bb&t for years.. And it's getting out crazy.. I get return fee so much on my account it's bad.. I don't even get to spend my hard earned money on my card ever.. Because I end up with return fees sometimes 3 and 4 at a time. I only get a certain amount direct deposited to this account when I get paid.. Thank God because y'all would find a way to take my whole check if you could.. How can this keep happening.

I am having the same problem as everyone else. I check my account online religiously. Paid a bill and they charged me a returned item fee. Even though my account showed I had available cash. I am opted out of overdraft protection. They only refunded one fee and I'm still left with $72 in fees.
I was not informed about this fee and when they explain it makes absolutely no sense at all.
What steps do I take to get my money back?

I had a 3-day weekend trip planned with my girlfriend, in which I planned to propose. The Friday before the trip, I deposited a $2000 check that my terminally ill father gave me. The teller explained to me that because of the amount there would be a 48-hour hold on the funds. I was ok with that. I woke up the following Saturday morning to overdraft charges on my BB&T checking account. When I logged into the banking site, I found that they had somehow doubled the hold placed on a single deposit. This threw my checking account into overdraft. I called BB&T customer service who said that they couldn't help me and I should visit the branch where the deposit was made. That branch is closed on Saturdays. I visited a different branch with no luck. Not only did I have to cancel our weekend plans, I don't even have money for food until everything is resolved. Not only am I planning to close my BB&T accounts but I will build an entire web site dedicated to telling my story. I will make it my life's mission to prevent as many customers as possible from banking with BB&T. Good bye BB&T!

BBT kept re-ordering my debits/credits to charge excessive fees. This happened multiple times. When i went into the bank to complain the banker turned off my debit card so when my next direct deposit hit, I had to go back into the bank to confront the banking executive i had spoke to before because when i called the number on the back of the debit card, he couldnt fix it since someone at the bank put the hold on my account. He denied doing it but was magically able to get it working again when the corp. office couldnt. He was the only one i spoke to.

I've had multiple upon multiple times of BB&T posting my largest charge first so then my smallest charges cause my account to go negative, and then I begin to incur their overdraft fees. They offer no assistance, they do not give any grace periods to deposit or transfer money like some banks do, and they will only waive fees—if you ask them—once every two years. Just this year alone I've already paid over $200 in overdraft fees. They also collect a $12 maintenance fee that I was never told about, it was never made clear to me that I would be paying this and why.
Just earlier this month I paid an overdraft fee for a less than $1.00 charge, it was because of my HSA account and I had no control over it— I never could've predicted that it would've cost me. My HSA account deposited and then withdrew the same amount so why does there need to be a fee, especially if it's less than one dollar, there's no mercy with BB&T. If your negative above five dollars they will charge you their fees no matter what. There was also a time when a company began to fraudulently take money out of my account, I even closed and reopened my account and let BB&T know I was doing this and why. They then told me that they would contact me before they let anyone try to take money out of my account. They contacted me for one Incident of money leaving my account, but then they did not contact me for another amount that was larger and then my account went negative. I contacted them to say that the company should not have been taking money out, they did not have my permission, and they did not even have my new bank account number so how could they take money out. It's frustrating to deal with a bank that doesn't have your back.

I have been a BB&T customer for several years and have had overdrafts here and there, but I received 3 overdraft fees due to the way BB&T posts and pends activities specifically, between 10/12-10/15.
I contacted customer care about this, several times today. The first time I called, there was a wait of over 30 minutes and I did not wait on the line. My second call, same wait time but I requested a call back. The agent that called back talked as if she was reading a script, didn't listen to my questions, but made a point to tell me about the overdraft refund policy. When I asked for a supervisor, she told me that they would tell me the same thing. I then told her that I asked to speak to a supervisor, I did not what she thought they would tell me. She put me on hold for several minutes then I was mysteriously disconnected. I called back a third time, there was a wait time of 41 minutes, I requested a call back and the young lady that I spoke to was at least apologetic for my inconvenience and her peer's inadequate customer service and filed a complaint on my behalf about my situation, but politely told me that the bank's system won't allow her to bypass the overdraft policy (no more than 1 refund in a 2 year period). I understand the policy completely but, if I am looking at my balance and trusting the accuracy of the available balance, why then on Monday are items shuffled for the bank's convenience? In the end, my balance is -$115, mind you, the 3 overdraft fees equal $108. These pendings were strategically posted so BB&T could profit from the overdraft fees.
This is the same practice that 5/3 Bank did to me years ago and I was part of a (successful) Class Action lawsuit because of it! I am going to reach out to the same attorney that litigated that action to find out about options available to me and I'm sure others.

XXXX & XXXXX, LLP class action attorneys are investigating similar overdraft fee claims from customers of XXXXX Bank who have been assessed overdraft fees. If you or someone you know has a XXXX Bank checking account and has been assessed overdraft fees contact us our class action attorneys would like to gather additional information about your transactions.

My husband used my card before I could let him know that my deposit was not yet in. When I went to make my deposit the bank had charged me over $200 for Overdraft fees for barely over $100 debit card use.
I deposited over $3000 and the same day I was charged more Overdraft fees for over another $100. They had put a 7 business day hold on my PAYCHECK!
And then said since the hold was on there anything out would still be overdraft!

This is OUTRAGEOUS and I want my MONEY BACK!

The available balances online do not correspond to the actual balances of my account, I have only been a customer for 2 months and have been hit with 5 overdraft fees. The latest 3 were on the same day during Hurricane Michael. I went in to my local branch and was told that I should try using a register to keep my balances. Why even offer an online product if it doesn't work. I have been with Chase bank for 15 years and only had about 3 overdraft fees. There seems to be a lot of customers that have the same complaints. I believe I will be taking my business to a bank with more updated technology and better customer service skills. Thanks but No Thanks

I requested that they cover Overdraft protection for CHECKS ONLY. They kept allowing me to overdraft (even with minute amounts) with my debit card! I requested them to change it 3 different times in 3 different ways (in person, on the phone, and email) to no avail. I closed my account and they allowed TWO MORE ITEMS to overdraft that were automatic payments. I refused to pay them with how much money they owe me in overdraft fees. And I believe they still owe me. For pain and suffering if nothing else.

10/1/2018
I have been a BB&T client since it was switched over from National Penn. I cash all payroll checks as well as an insurance check I recieve from my father passing. I have been cashing and depositing this very same check every month for few years now. When my payments increased another branch put notations on my account to not place holds on my check because this was what I was living off of and paying my bills and such with. Today i went into my normal branch to a teller I've gone to many times and she stated there would be a 2 day hold. I have a car payment and other bills due as well as a vacation booked this week . So I told her no, I have been cashing this same exact check over a year with no issues and that there was a notation on my account. She checked the account and stated she couldn't find it. At this point I told her she as well as every other teller in this branch has been cashing this exact check without a hold every single month at the same time for over a year. She said she was going to talk to a manger and disappeared for a good 10 minutes. The bank was very full at this point with not enough tellers to care for clients. She came back and in front of the other 7 or 8 people waiting had asked why I received this check and what is was for to which I had to get into details about my father dying and it being an insurance/ inheirtance payout. I was clearly emotionally distraught and felt after such a long time no questions needed to be asked, this check clears every month, I've never bounced a check or over drawn my account there was absolutely no reason for how she was acting. The manager came out and in front of everyone explained to me about how people get scammed for months on end and later owe all this money for checks that weren't valid. AGAIN This is a check I receive from my father passing. A legitimate insurance company. They made it look like I was doing something wrong by asking this hold not be placed since its never been before and it was the same check I've always cashed. I felt humilated. After all this they took the hold off cashed the check which i just deposit anyways and took my phone number for the regular branch manager to call when she was back. NO ONE should be treated like that ever.

Bbt is liken to a bunch of buzzards siting in a tree waiting for an honest man to make a mistake and when he does they pick his bones dry.they take all his money so his account is negative then charge him $36.00 because he doesnt have any money in his checking account.these fees are outrageous and unfair and trying to talk to anyone is futile.bbt collected millions in these fees in 2017.they dispense these fees without mercy or understanding..i hope they are sued and loose.

I have been banking with BB&T since before with Susquehanna Bank. I have never been very happy with BB&T, especially since no one in my local branch with whom I had a relationship is still there.

I had opened a savings account 2 yrs ago for the specific purpose of transferring money into it from my Vanguard account. Money never stayed in the account and it was almost always at a zero balance. This purpose was explained to the banking person who opened it. For almost 2 yrs there was never an issue.

10 days ago, I transferred money from Vanguard. On Tuesday, I checked my BB&T accounts on-line and the account I set up to accept the money from Vanguard was gone. Upon calling my local branch, I was told it had a $0 balance in it for 2 mths and at the discretion of the bank, it was closed. I was furious. I had never been contacted. I had never been told I needed to keep any amount of money in the account or I would have.

Now, what is really eregious is that the money has still not been rejected by BB&T and returned to Vanguard. It will take up to 2 weeks to be returned to Vanguard! So, they can sit on my money and make interest. I was not able to use the money for the purpose for which I originally transferred it. And, I am not able to make money on it in my Vanguard account.

I would be very careful if deciding to bank with BB&T to find out what exactly you are getting into.

I never realized until today how many overdraft fees I've been billed by BB&T. It's been time I've overdrafted my checking account and immediately transferred over the money from my saving to checking and I was still billed a $36 fee ! They don't give a 12 or 24 hour grace period like other bank or prepaid debit card vendors do. My husband and I have already canceled our cards will be withdrawing our money and finding a new bank Saturday. It's ridiculous. Then when you ask them to reimburse you they say no. I'm over hem and I'll never recommend BB&T again.