Truist Bank (formerly BB&T Bank) review: They will flat ruin you! 174

This helped us get some of our money that BB&T stole from us...not all of it..but some of it.

My name is Melanie Geary. I am the SVP, Regional Branch Operations Manager for North Alabama. I am responding to you on behalf of Mr. Bobby Blakley in regards to your recent email regarding concerns with an account with BB&T. I have been unable to locate a phone number by which to respond to you, but would be more than happy to discuss, if you would give me a call at [protected]. Thank you!

Melanie Geary, CPA, CIA
SVP, Regional Branch Operations Manager
North Alabama Region
Ph: [protected]
Fax: [protected]
MC: [protected]
mgeary@bbandt.com

we filed with Federal Reserve today...thanks ST. Nickolais!

BB&T is the worse company ever! I have a car loan that was sold to BB&T. They have been charging me fees that are not acceptable with my car loan contract. I have a 10 day grace period to pay my loan otherwise stuck paying a $10 fee. Well they are charging me $140/a day after the first due day to the 10 day grace period and than charging me another $50 after the 10 day grace period. I had a HUGE fight and need to call back because on my contract is what is right and not what they are saying. The other problem, is the money goes through the bank on the 5th and they call me the 13th or 14th telling me its late when the received the payment on the 5th! If they dont follow the contract there will be a law suit!

How is it that they post available balance and a posted balance. However, charge you for insufficient funds when the money is listed as posted. A bunch of crooks, who don't care. I'm ready to sue.

I am really interested in a class action suit again BB&T. They are criminals and rude to boot. They have taken so much money from me in overdraft fees and ridiculous little charges for things that make no sense. Today I woke up to $175 overdraft charge but by doing the math looking at my account, I couldn't find it and even after the $175 charge, my account was only overdrawn $165...that makes no sense! When I called to discuss this with them, I was told that the charges I made last night affected money I spent Saturday, how does that make sense? I made a large deposit yesterday but it was after 2pm, so I get that it wasn't all available. The problem is my deposit wasn't taken into account at all but my charges were and then I was charged overdraft fees for items that I purchased on Saturday when I had the money and still had the money when I made charges last night but I got charged because it made them money. How can they jusify counting pending charges against me but not deposits? They are criminals. I am a newly divorced single mother who can not get on her own feet because they constantly do this to me. I know that I have been to blame at times but mainly because I have stuck with this bank for 2 years when I should have left immediately. From the people they hire in their branches who are rude and feel that they have the right to berate and discourage their clients. If there is a class action...I want in...not even for the money...I just want them to go down!

Filing formal complaints to get real results

Federal Reserve Bank Complaint Department

http://www.federalreserveconsumerhelp.gov/complaintinfo.cfm?info=1

US Treasury Department - Office of Comptroller of Currency

http://www.occ.treas.gov/customer.htm

I have experienced much of the same practices as these previous complaint. False balancing, posting debits before credits, mysterious charges, changes to my checking and savings accounts without my permission or any notification of a change which in turn would cause new fees to be charged to the accounts. And even in the process of getting these fees sorted out. To avoid fees I needed to make deposit to a savings account once a month. I set this up to be automatically done through the bank manager. Still was charged fees on both accounts even with the automatic transfer. Come to find out the Bank manager didn't know the correct amount of $ that needed to be transferred each month. One of the other employees had to correct her and I actually thought they might come to blows! They really got into a heated debate. Since then I stopped using these accounts and only use them sparingly. I opened a credit union account and they have given me excellent service and are really friendly unlike my BBT branch in VA.

Wow I'm very relieved to see I'm not the only one... 3 months ago I emptied my checking account at the bank IN PERSON, to pay rent. I asked if I needed to keep a certain amount in the account to keep it open, she said no. After that Friday, I didn't touch the account for 2 weeks. I happened to sign in to my online banking and was suddenly $90 overdrafted in my checking and $60 in my savings. I was never told specifically why. The answers were always vague, such as "There was a pending charge, maybe a check written?" I don't write checks, folks. Too lazy. BB&T will suck you in with their pleasant employees and gimmicks, but soon enough, everyone and their wallets will know the truth.

BBT is definitely the worst bank to deal with. They are so cold and impersonable. They are always after extra fees and they definitely will not help you if you need help. Due to a divorce, my husband left me holding the bundle. I could not pay mortgage and he was not helping. The house would not sell and managed to get a short sale. They refused to mark off the minimal excess money owed. I see some banks marking off 50, 100, 200K. We didn't owe near that! But not BBT. Instead they wanted to drain me paying 1300 a month in interest, refusing to give me lower rate (I was paying 7%) when others getting 5%. They even got Obama bailout. Awww, that was all just for their big dog's salaries. Then when I handed them the key, they are insisting on me still paying insurance and upkeep on the house. Now they want a promissarty note for remainder owed. My ### X is wheedling his way out of it and they are trying to bankrupt me. I have pulled all my funds out of BBT and will never ever deal with them again! They have also been extremely hateful to me on the phone and harrassing me daily. One person not know what the other tells you and they tell lies and do not keep their word. The mortgage department in NC is the worst!

The practice of debits before credits just burned me again but this time it was even done with a transfer between accounts. Last night I noticed I was overdrawn on my checking account and that I had items pending in from some bills I paid online so I transfered $1000 from savings. When I made thr transfer everyting looked fine, the overdraft and pending items were covered and the credit = remainder of the transfer. My available was in the black . I did this to avoid any fees becasue of the debits before credits. (I also had a direct deposit pending) .
This morning the available is still in the black but what do you know, currnt -$1, 000, $210 in overdraft fees and I am shocked. It looks like they are now holding transfers between savings and checking, do debits before credits and make sure they take your money no matter what!

Are there any class actions aginst BB&T?

I need help with the same problems that I have had with BBT. If anyone could send me information for some help, please let me know. This is my case:

I charge $6 on the 12th.
I charge $3 on the 13th.
I pay a bill for $200 on the 14th.

They deduct the $200 first which would overdraw my account, and THEN they deduct the $6 and $3 afterwards which accrues me $115 in overdraft fees instead of going in order of the charges and only getting a $35 overdraft fee.

I have been banking with BB&T for about a year and a half now and I can't believe how unscrupulous their practices are. Today is the last day that I play this ridiculous game with them. I got hit with $210.00 in NSF fees that was a cause of their crappy online billpay service. Then as my account sat negative, there were 5 other transactions that were in pending transactions so in order to avoid them hiting me again, I came up with some extra cash to cover the megative amount plus the upcoming charges. I deposited the money before 2pm yesterday and when I checked my balance it showed a positive balance. Good to go right? No. This morning the jerks charged me $175.00 for the pending transactions even though I deposited cash. This is the last straw. I am going there and fighting these charges and I will be closing this acount this week. I used to bank with Bank of America and I must admit not even they were this bad.

Whoa people...am I GLAD to find you! We just left BB&T two weeks ago; we could NOT stomach their stealing anymore! It is beyond ridiculous - it's low-life theft! We have been with them for over 4 years after getting SICK of Bank of America...another ### bank.

When we first began banking with BB&T all went well. In the last couple of years we've been hit and I mean hit HARD due to their underhanded practices that they kept trying to explain away...get THIS; I directly asked them when transactions post at night does the deposit post first or the transactions? I was told the deposit posts first. This information can be very valuable to those of us that have to watch our accounts carefully because our "millions" are in our Swiss bank account (being sarcastic). Ok, so time goes on and it becomes VERY clear that something is amiss with their claim. We get hit for charges and I call and clearly ask them why there are charges when the deposit should post first? Keep in mind this had been happening for a bit and I felt horrible thinking I had messed up our account...SURELY it couldn't be the BANK! I was told that they "changed their policy" and transactions post FIRST now. I asked when that happened and why wasn't I informed? Oh...it was in teeny fine print at the bottom of our bank statement at a random time when they chose to change the rules quite some time ago. Well...keeping this new-found info in mind, I tried to be extremely careful. That was their first strike...

As our account seemed to continually decline over and over; we continued to pay an INCREDIBLY ridiculous amount in overdraft fees...all the while I am stressing and in tears thinking that I have lost my ability to manage our account well. Hubby's paycheck would get swallowed up and we would have little or nothing to live on. Ok, so one day I am keeping close tabs on every penny and find that we have 4 transactions that are going to hit before the paycheck can be deposited. Knowing the "new rule" on deposits, I did the math and thought ..."well shoot...we have plenty to cover three of them but that last one, well, we're going to have to take the hit." Much to my surprise the next morning...we had taken 4 HITS at $35.00 a pop! I immediately got on the phone and asked WHY did they not cover the 3 transactions when there was more than enough funds to do that? There was NO explanation. I was looking at our account online while I was talking to them and realized the amounts had been "stacked and packed" highest first to lowest...but OF COURSE! They get more frikkin' money that way and all the while I thought it was ME! I asked the lady WHY they took the largest amount first to throw it out of whack and she fumbled her words...no explanation. I told her it looked deliberate to me and accused them of doing it on purpose. You could tell in her tone of voice she knew that is EXACTLY what they do; but wouldn't confess the ugly truth. We put hubby's paycheck in and it was quickly reduced to a much lower amount.
That was strike two...

Then just recently we had a mishap with the US mail that caused a real banking problem. The trouble was, instead of denying our card because of no funds, which at the time we were unaware (and I have ALWAYS HATED this part of BB&T), instead of helping people protect themselves when the unknown DOES happen, they STILL LET YOU RUN THAT CARD to rack up charges. It makes me SICK! For the first time in 20 years I had to ask my Dad for a little help and I was frantic and in tears. I told my Dad the day we met for me to get the $, "You know what sucks Daddy? We're in the hole BAD and I could walk in that store right now, slide that card for a pack of gum and BB&T would let it go through and charge me $35.00 for buying that pack of gum." Now, we did not KNOW at the time that our deposit was depleted by charges. Sometimes $%#^ happens and they DO NOT IN ANY WAY help the customer protect themselves if it does happen. We did not intentionally/knowingly slide that card (why would we - that gets pricey!?) aware of what was happening.
That was strike three...they're out!

These disgusting people that run this bank to make a buck off of struggling, hard working, honest people make me SICK! They will let you slide that blasted card all day long just to get more $$$. We paid SO many charges due to their "new rules" with deposits posting last, their "stack 'em and pack 'em" from high to low and then they nearly killed us with allowing that stupid card to slide and slide, just racking up money all the while. They are parasites and they knowingly allow people to use their cards all they while allowing them to dig a hole they cannot possibly climb out of...we paid plenty of charges trying to "abide" by bank rules...oh gosh if we had a small part of that in our NEW bank right now. Our new bank, by the way, posts deposits FIRST! Gotta love 'em!

I AM READY TO GET PAID BACK BY THE BANK because they don't abide by human rules; they are run and motivated by greed...and all the poor people out there they are feeding off of just making them millions... here is a link I found while researching class action and BB&T - go there and give them your story; they are investigating it now. I'm on my way over there now. Best of luck to us all...it's time good people got the upper hand for a while.

http://www.lieffcabraser.com/contact/contact-bbt.htm

I'm just glad to read all of the comments. I too bank with BB&T and thought I was crazy, they managed to convince me that each time these events happened, as you all have stated, were completely my fault. I am extremely appreciative of all that you have shared and am working to get my money out of BB&T as soon as possible.

One more thing to add. I do not do 'online banking'. I know a number of you do and that's where your troubles are coming from. I tend to find that absolutely everyone I owe money to has a free online payment system, so I use my debit card (having made sure there is money in my account to cover my charges) to pay my bills on the various bill collection web sites. It takes me about 10 minutes a month to go through them all, and in return I don't have to worry about BB&T screwing something up with my balance. The only thing that is automatically withdrawn from my account is my mortgage, and that is done on the mortgage company's end rather than from BB&T. I know juggling accounts manually involves more work that letting BB&T do it, but it might be a helpful alternative to overdraft fees if you're having problems with them.

Cheers!

Chris

Folks,

I've had similar problems with this and other banks. I know the sinking feeling of realizing that you're going to pay $39.00 for a cup of coffee or something like that, and it's even worse if you charged a bunch of stuff and you had no idea you were overdrawn. Fortunately BB&T does offer a few solutions that have been helpful for me. I haven't received an overdraft charge for a number of years (and I used to get them frequently).

BB&T offers a service called 'constant credit'. Basically they give you a small credit line (~$500) and add it to the list of active accounts you have open when you view your online statement. They then configure your checking account so that in the event that you overcharge the account, the overage will be withdrawn directly from your constant credit account in the necessary amount. This means that you won't get charged an overdraft fee when you overcharge. You can then simply pay back the balance of the constant credit account as soon as you can. There are no fees for this service (at least there aren't for me).

If you happen to have a savings account, BB&T can also configure your checking account to automatically withdraw money from savings when you overdraft. This also translates into no fees for overdrawing your checking account.

I've found these services to be very helpful, and I would encourage you to enquire at your local branch about getting them added.

Now for the crappy part: I've recently discovered that BB&T has begun charging 'foreign ATM fees' of $2.00 a pop for withdrawing cash from a non-BB&T ATM. This is in addition to whatever fee the ATM's owner charges. So you could end up being charged $4-$5 just to withdraw some cash. MAKE SURE YOU KEEP THIS IN MIND! BB&T has very few ATMs in my city, so this is going to make things even more inconvenient for me.

Cheers!

Chris.

I do 98% of all my banking on line. As a result I too am being victimized by there poor system of tracking my transaction. I've complained that there should be a report of what payments have been issued but not cashed as yet. This is also a problem with the Wachovia online banking system. I just bounced, by debit card, 2 transactions that overdrew my account by 20 plus dollars. They sent me a postcard that stated the overdraft AND the 2 $30 overdraft fees. The card never said that I was on a 7 day timeline which would result in additional $30 fee. I issued a payment, online, to cover the original advisory. I then received a notification that I missed the 7 day window, thus an additional $30. I checked back on line to see what was happening to the issued payment. So far, all I know it was issued, but not cashed. Answer is pending an inquiry. When I described the above situation to a Services Rep., I had expected a sympathetic ear regarding my problem. I was treated to the party line, oO REFUND. Bottom line, I CLOSED MY ACCOUNT.

A class action suit needs to happen fast! Not only is BBT ripping off customers, their employees tend to make it seem your fault.

Last December 2008 my husband and I went into the branch to dispute several overdraft fees. We asked that they show us a "running" balance on the account which showed we were NOT overdrawn. However, the manager came up with another accounting breakdown sheet (everything she gave me I kept) discussing postings and how the overdraft occured therefore contradicting their running balance sheet. Of course her explanation is - its our fault.

I decided to print out our internet statement EVERYDAY, faithfully, collect every receipt and transactions and keep it in a folder for every month - faithfully. What did I discover - the balance that I kept vs their internet statement never matched, the call center from the 800 # always has a different explanation than the branch, the lack of them not providing a running balance is a definative red flag that they are scamming people and if you use you debit card the evening before a direct deposit even if you know you have the cash in you account, it somehow gets twisted to charge you for an overdraft. Also when you try to discuss any discrepancies with your branch - the end result is a rushed scenerio ending with them blaming you for how you use your account.

I am making copies of my ledgers and writing the president of this bank and the banking commissioner of my state. I will also copy the compaints from this site as it is evident that BBT is not being honest with its customers.

for $15 I was charged the over draft after my account was closed and debit card was cancelled, they are not able to tell where the debit card was used, as they had it cancelled . yet try to cheat my money threat me to damage my credit score. I have to pay $117 @ $35 /week and $15 for the purchase that I never made.
Banks cheat you cannot do any thing, they cheat for their lords make them rich when loose money public money save them to let them cheat public for ever.When profit only for few, otherwise curse for all. CITIZENS BANK cheated me we need a credit score for banks so that they cannot blackmail customers

I am uploading a video to youtube, showing how the Security personnel lied to me. The entire attempt to close out my account after they ripped me off for $105... they were RUDE to me. Let's get this correct... I AM THE VICTIM.

I'm sick of banks stiffing people for hundreds, then get nasty as if you, the consumer are the wrong-doer.

THOU SHALL NOT STEAL BB&T...

How BB&T (Branch Banking and Trust) Rips Off Consumers and Lies At the Window to the Customer's Face
http://www.youtube.com/watch?v=N5oUgIsG2yM

And no, there was so much hassle, I still didn't get the account closed. It's recorded folks, showing me at the window saying NO MORE CHARGES... I AM RECORDING FOR YOUTUBE... The account is still setting wide open waiting for BB&T to draft 25 bucks into a savings account I did not want and don't use, so they can stiff me out of another 35 on yet another overdraft fee (expecting that to hit sometime today or tonight). Waiting to see how much they'll bloodsuck me for before I can close out their fraud.

I've been going through te same thing that the original postee complained about. When I switched to online banking, that's when the trouble began. Several months now, I've had problems with over-drafts and I did not in the past. The system is set up to stiff you.

This past month, charged $105 in overdraft fees was the straw that broke the camel's back.

They had the information from the telephone company that a charge (I was not informed) was coming through. They keep it a secret and hidden from you for two (or more) days! So you think, "Oh I'm safe to draw out 60 for my daughter." What you get is hit with 105 in fees... even though the night before, it said you were in the positive with 90 bucks, and a check for 112 coming through direct deposit.
That transaction that was coming through, NEVER even showed up in the "Pending" section... it just *bang* shows up as processed and you're screwed out of $105 in overdrafts.

Ripping people off is why they with-hold information. Never do Automatic Drafts, unless there's no other choice, and #2 don't ever trust online banking figures. They're lies. They will cash a check on your account, and keep it secret for 2 or more days, then it pops up one day in your posted transactions, without warning. Hidden from the consumer... just itching you believe their misleading figures, so you'll go out and write a check on money BB&T KNOWS you don't have any more in your account.

It's fraud. They should be sued because their claim about "up to the minute" reports on online banking is a big, fat lie. It's fraud.

They know! And they deliberately with-hold important information that affects your decisions. They're getting filthy rich on blood-money, they stole from widows and the poor.

We have saving & checking accounts with BB&T for years, and they always find some ways to charge you with all kinds of fee. Recently, I found out there were some problems with my accounts, and they charged me $2 by calling their service line more than twice in a month. These fees tell you how much BB&T would like to serve you. I was too lazy to change bank before even though I was not satisfy with BB&T, and the $2 service fee certainly gave me the motivation... Don't choose BB&T!

I would like to write their corporate office/board of Directors but can't seem to find an address anywhere. During the weekend I wrote a check and did a Pos the Pos tansaction was deducted from my account balance immediately. My direct deposit was posted the same night these transactions hit my account. I had two overdraft fees. I was told the posting was done from highest debt, then direct deposit posted. This is a rip off, one the credit(direct deposit) should have been posted first them the Pos and check. At the very least I could accept one overdraft for the check. It is still confusing to me the funds were subtracted from the balance at time of Pos but during posting it was redone and the funds were applied to the check, it just isn't right, does anyone else out there understand me.

I am going through the same troubles with BBT. When I opened my account at BBT I deposited money in savings and checking. A red flag should have gone up the first month of banking with BBT, when the over draft fees started rolling in. My account was negative over $300.00 due to the fact that they deposit the wrong amounts in the wrong accounts. I should have taken my money and ran, but decided to give them a chance to rectify the situation. Which they did in this instance. I then opened an online account and set up an automatic bill payment plan. I was careful to read all of the fine print to make sure I knew what dates the payments would clear my account. All of my payments were two day processing and it stated clearly that the funds would not come out of my account until the day of delivery. All was well for a few months and then I started getting hit with over draft fees on pending bill payments. I went directly into the bank to find out what went wrong. They explained that the funds were held on the day of processing and showed me where it explained this online. Newly updated due to complaints, I am sure, because it never stated that when I set up my bill payment. Even with this explanation, it made no sense to me that if I deposited cash before 2:00 pm on the processing day why I was still being charged over draft fees. I would understand if a check had to clear but this was cash and should post to my account that day. Instead they ignored the cash deposited and charge me over draft even though I had an available balance. I asked if they could possibly credit the fees this time since I was not notified that there would be a hold put on my funds. I was told no due to the fact that I had so many refunded over draft fees already on my account...due to BANK ERROR when I opened my account!

I am following the advice of Anonymous and am pursuing complaints with these agencies. It is slow going, because BBT answers the enquiries with character defamation (libel in the form of a letter from a bank vice president who wasn't there), making false statements about my behavior in the bank one day rather than addressing the matter at hand. As I read FDIC Consumer Protection regulation 6500, when a bank puts a deposit on hold, they cannot collect NSF fees on that account if they have not previously informed the consumer specifically in writing at the time of the deposit.

While they have committed many egregious acts against me, the charging of NSF fees when a deposit is on hold alone without the proper notice, is an act in which they have probably taken miliions of dollars from unwary consumers. I am talking with an attorney about class action, and we may focus on this act alone or on many more.

Be prepared for a dirty fight but don't give up. If you need social support in your fight against BBT, please email me. If you have been charged NSF fees after they put your deposit on hold, I would like to hear from you and maybe put you in touch with people who are pursuing this issue if you are interested.

But whatever you do, or they do, don't give up. Remember the Gadsden flag of the American Revolution--"Don't tread on me".

Don't tread on me, BBT .

BEGGARS, BORROWERS, AND THEIVES! (BB&t)

BB&T charged me $350 in overdraft fees as well. I deposisted my payroll check but still had money in my account so i made charges over the weekend. They held those charges then elctronical put a personal check through that I wrote that monday. So they paid the $200 dollar check first and then charged me 8 overdraft fees for the credit and debits i did over the weekend. Then I spoke with the manager and asked what other things will be coming out of my account and do i have enough money to cover it. She told me I did and then this morning they charged me 2 more overdraft fees. Because my pay check was ate up by the previous overdraft fees. I hate this bank! And I will be cancelling my account ASAP.

I have had my BB&T account for lest then six months. it has been an outrageous ongoing battle with them for how they justifiy over charging my account. They make their rules as they go.
There customer service are useless. The people are rude. The processing and pending transactions are ways to charging people with INS funds regradless if you make a deposit the day prior or have direct deposit.
It is the worst bank every. Please be carefullllllllllllll.

We completely agree that BB&T is stealing our money! In the last year they have taken thousands of dollars from us in overdraft fees! They will NEVER REFUND any of it! If you go into a branch, no one there "can refund any fees"! Why even have employees if they can't help? BB&T is robbing hard working people who are trying to exist! They do not care, they just keep taking more and more money out of our account, and then send a letter telling us to bring in more money to cover their fees! Where do they expect us to get this money, they have taken every cent we have! I hope we see this bank go under! Warn everyone NOT TO USE BB&T, they are robbers!

BB &T sucks, espcially since they bought out First Virginia a long time ago. I have also had an account with BOA for a long time and I have NEVER had a problem with them. BB&T makes it look like I paid my bills and it all came out. Wrong. They only show a portion of what you paid until it really clears. BOA automatically shows EVERYTHING you spend. And worst of all, their overdraft protection is crap. I had a balance of -.59. Did not take it from the savings which it is supposed to do. I transferred it manually and lets see if they hit me with the fees. Better not since I noticed this at 3:45 this morning and its not like 59 cents is going to kill them. The branch managers in Fairfax, VA are absolutely no help either. They are rude and dont even speak English. Same for the people on the phone line as well. I am done with these greedy people

I just spent considerable time getting a fraudulent withdrawal returned to my daughter's savings account at the BB&T Wellington Manassas, VA branch. It seems that a teller there wrote down my daughter's account number on someone else's withdrawal, never bothered to check the name on the account, and then withdrew $950 without a signature on the withdrawal slip. Of course none of this is ever detected because there is no system of checks and balances. What's more infuriating is that I had to deal with a customer service rep who was so inept that he literally could not tell the difference between a checking and a savings account. When we finally retrieved an image of the withdrawal and saw that a terrible mistake was made, the branch manager sauntered over (he was a little busy with his Blackberry) and informed me that he couldn't investigate the error until after the weekend because his teller's tapes could only be retrieved by her and were under lock and key. Watch your accounts carefully, because BB&T certainly won't. And if they make a mistake, you'll be the one to pay. Their arrogance is infuriating.

I do need to make sure that I ditto all of the other complaints, regarding holding debits and not allowing the client to view a running balance from thier home or business. This is a vital benefit to homes and businesses, it is rediculous that the bank could operate and not recognize this. Especially when most other banks do provide this.

I am from Florida, recently moved to South Carolina. When I was in my teens and early 20's I kept a check registry. As technology progressed, and debit cards became a thing of the present. I quickly realized that online banking was on the horizon. In the mid 90's, I stopped keeping a check registry and began relying on online banking. If any of us remember, we learned the beauty of the debit card, is that if the money was not there, you don't get served. Much like a credit card. So With BB and T, any debits will come in, go out, and come back in. And recently, I was told by a B B and T representative, that if you bank at BB and T, you can use your card into into infinity. You will then get charged for Over Drafts if the money was not there. A defensive posture by BB and T and others is that, we should keep a handwritten log. Give me a break! All of us know that we are beyond that.

THEY HAVE TAKEN 900.00 IN OVERDRAFT FEES WHICH WAS YO BE COVERED BY A 10, 000 SAVINGS ACCOUNT. DOESN"T MATTER TO THEM THAT I ALSO HAVE 30, 000 IN CD'S AND A MORTGAGE WITH THEM.

I too have had my share of problems with BB&T. I had made a deposit on Wednesday after 2:00 and was told that I would be able to get $100 from the deposit until the balance cleared the following business day. The funds were not in my account until the following Tuesday and apparently they forgot about the $100 they told me I could withdraw and received repeat overdraft charges because my money was not made available when they said it would be. I went to the bank and was never treated so rudely in my life. They did refund one of the overdrafts because of the $100 they had told me would be available but I could not get them to even consider that this error of theirs had caused a chain reaction causing repeated overdrafts over the few days they held on to my money. I did demand that they call their corporate office to speak with someone about getting this straightened out and was immediately told to leave the bank and never return or they would call the police.

When I got home I called the online bank number and spoke to a representative whose only suggestion was to return to the bank and speak to the manager. I didn't feel like having the police called on me and so I've just never returned. My account sets as is with a $10 balance and I have no way of closing the account without going to the bank.

I know sooner or later there will be some of their famous mysterious charges and I am going to have problems with overdrafts. I think BB&T has become a master of deception and unfair practices and wish that someone would take the time to have them investigated.

Just heard that their computers crashed yesterday and they would only allow customers to withdraw $100 from their accounts. On top of all that the local branch here in Carolina Beach never even bothered in opening today.

My family has banked at BB&T (originally First Virginia) for over 11 years. We had multiple accounts (business checking, MM, savings, & auto loans) over the years and thought we had a good mutual relationship with them. Over the past few months, we have experienced the same frustrations as many have stated here. BB&T seems to be changing their policies frequently and without providing adequate notices to their customers.

Here are our recent experiences:
Business -
1) Each deposits are being treated differently. Most deposits made before the 2pm cutoff are posted and credited by the following day. However, without notice and justification, BB&T recently attempted to hold a deposit for two days. After arguing with the bank manager, we were able to get the hold removed. BB&T's excuse was that they needed the checks to clear and it took them time to "personally pick up the money from the other banks." We have dealt with the same companies for 11+ years and their checks were always honored. These were business checks

I USED TO BE WITH BB@T FOR MANY YEARS. THEY HAVE LOST SITE OF THEIR CUSTOMERS AND ARE ALL ABOUT POLICIES TO GENERATE FEE AFTER FEE. THE FINAL STRAW FOR ME WAS ONLY CREDITING 100.00 OF A DEPOSIT THEN GIVING YOU CREDIT FOR THE REST THE NEXT DAY.WHEN I ASKED THE TELLER ABOUT THE POLICY SHE SAID"BANK OF AMERICA DOES THE SAME THING". I ENJOYED WALKING IN CLOSING MY ACCOUNTS AND GOING STRAIGHT TO A LOCAL CREDIT UNION. WHICH BY THE WAY GIVES YOU CREDIT FOR YOUR DEPOSIT IN FULL WHEN YOU MAKE IT NO MATTER WHAT TIME OF DAY YOU MAKE IT! TEACH THEM A LESSON AND RUN WITH YOUR MONEY TO YOUR NEAREST CREDIT UNION.

I have decided that I want to go forward with a lawsuit against BB&T. I know very little about this but am confident that my treatment and the fees that I have been charged with are illegal. Any suggestions would be appreciated.

I just had a second overdraft fee that I am battling. I had a pair of overdrafts in the past due to their obviously unreliable online banking system and I dealt with it. This time, I opened a savings account to put money in as a backup for them to take out from in case I went over, I told them to link the accounts for this but told them I didn't want their "overdraft protection" which would create a credit based account to withdraw from. They neglect to inform you that you can do this with a separate account or creating a credit card linking your accounts. I told them to proceed with this and opened a savings account. I went over today and they said, "Oh, sorry but there is no "overdraft protection" on your account. I told them no ###, I told the bankers to link my accounts not create a overdraft protection account. The person I spoke with confirmed this and now they are telling me this apparent conversation never took place." BB&T, I know, like many other banks during this time are suffering huge losses but, making these outrageous overdraft fees as their new viable source of income to keep themselves in business must be illegal. Offering invalid information and compelling their customers to use this system is entrapment. Last I checked this was illegal. I read their [censored] terms & conditions on debit cards and it says we waver all rights to a Class Action lawsuit when using their online banking and debit account? That's like saying here, we are going to rape you but you have to be quit and take it ok? you promised. Who the ### do you people think you are, honestly. And this [censored]bag above saying, "Oh, most of you people sound like you are just crying blah blah." BB&T used to offer a FREE service without some credit based report that just simply denies your card when you are out of funds. No overdraft fees, ever. There was none of this oh, it takes 2-3 days for us to process and fabricate numbers to screw you with. They were an awesome bank, now they are petty thieves. It's not that its a simple one time 35 dollar fee, it's my god damn money and they are stealing it. It's the principle, the whole point of a bank is to put your money into a place that is secure so thieves cant get at it. WTF are you going to do when the bank is the thief?

BBT bank is a truly a rip off. At first I use to think people were just writing checks knowingly that they did not have money in the account to cover them but with BBT this is not the case.

I had an account opened for just 10 days with BBT Bank and then on the 14th day I received $145 in fees and then when I called to complain I received $2.00 phone charge for each call.

This is what they did to me, they go back and back date things for example, let's say you get direct deposit on a Friday August 1, meaning your paycheck goes in Thurs after midnight and should be available to you Friday morning Aug 1st

However let's say you prepare & write checks for your bills on Thursday night in order to get them mailed off on Friday morning Aug 1st, you better make sure you date the checks for Friday Aug 1st instead of Thursday July 31st. Because if you mail those checks off on Friday morning with a Thursday night date July 31st, they will return those checks and charge you a fee for each check.

You are probably thinking, but I have money in my account...wrong they do not care. Eventhough your direct deposit hit Friday morning Aug 1st, and let's say you mailed the checks that Friday morning which are dated for July 31, 2008, let say the creditors receive the check on Aug 3rd and deposit them, keep in mind you got paid Aug 1st so money is in the account to cover the checks, BBT will not consider that, they go back to the date of the check which is JUly 31st and look at your account balance for that day of JUly 31st to see what your account balance was and say - you did not have money to cover these checks when you wrote them on July 31st - so they charge a fee according to the date of the item regardless of when it post to your account .

This is wrong wrong wrong someone needs to close this bank down. That is the reasons a lot of banks is suffereing now due to the economy. Because they have collected so many fees and prey on the poor. Because if we were rich we would always have an account with a lot of money...this sucks. BBT needs to be closed and reimburse money to their victims. Bank of America needs to be shut down too. Their name should be more like BB&Fees, not BBT and Bank of the Fees, not Bank of America