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BB&T Banking and Trust Company / credit/debit posting

1 United States Review updated:
Contact information:
Phone: 571435-6000

BB&T are extremely unworththy of care for your banking needs. If you have ever had an NSF charge check the order of how they process their debits and credits. Did you know if you call BB&T 24 and you are told you have funds and your puchases are on ACH hold. guess what there not. If you make a purchase beleiving they have sent your funds in good faith to the ones you owe and you continue to do business 2 or maybe 3 days later and the last merchant send in their request for payment. Well the funds you believe was sent to the first sent of merchants have now been re-deposited to your account sent to the last transaction (because they got there merchant request in first) is paid and anyone who you have left based on the money in your account now just costed you a large amount of NSF fee!!! There for look ant your statements closely I had 115.00 in bank made 4 (50.00, 44.00, 11.00, and 10.00) separate purchases leaveing .61 cent in the all posting on 2/17 then a purchase (69.99) that was made online 2/18 this merchant sent in their request 2/19 BB&T this company then NSF all 4 of the transactions (yes, even the 10, 11) And by the way my direct deposist from work was showing on the automated system and was available at midnight 2/19 going into 2/20 with other transaction that are reoccurring on the 19th they also NSF them as well to a total of $290.00. When informed well the funds are there and you don't post till midnight why am I being charged and if your system tell me funds are there why did you not pay the 4 first and prompted told its not our policy we pay the largest first. I say ther purposely NSF people accounts for their own selfish gain. In my opinion this is theft and fraud

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  • Po
      9th of Apr, 2009

    Experiencing problems with BB&T in which they are posting the debits before the credits during their nightly processing Batch cycle. It seems that this must be a recent change to their processing strategy for I am getting dinged with OD charges... but if you read your online statement, you can't conclude that is what they are doing for the credits are listed first then the debits which infurs to you that is balancing your account that is the order of processing.

    Also had issues when a deposit was put on hold by another group when the 1st group waived the 2 day hold. It was a local check drawn on a major university... go figure... it's like a gov't check here. Apparently the 1st group didn't talk to the 2nd group to know that the 2 day hold was waived. Next day, I had ODs ... the branch CSR was a witch with little knowledge and assistance...saying I was negilent etc... The issue again with looking at your acct detail info online does not show what is really going on and is very misleading... if you follow it there is no negative balance. Another issue which was not addressed by the witch. Ended up going to another branch to get help and was sucessful. The online activity that they post is still misleading and no word if they deem that as a problem etc... BTY... 3 days later, received in the mail a bank notice that my deposit is on a 2 day hold...

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