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customer service and charges

Complaint Rating:  88 % with 8 votes
88% 8
Contact information:
Cary, North Carolina
United States
We opened a BB&T Student Account two years ago for my son while he is in college. We selected BB&T becuase they specifically offered an account aimed at students. It has an ATM card only, no check book.

A few days ago, he made a miscalculation of his available funds and made three transactions of between $1.08 and $3.67 which were AUTHORIZED by BB&T (as a courtesy) for which he had insufficient funds. The sum total of his overdraft was $6. BB&T charged him $140 - $35 for the $1.08 transaction, $70 for the $3.67 transaction, and 35 for the final $1.46 $2 transaction.

When we appealed to the bank asking for leniency given the small amounts and the fact that they had not rejected the transactions they were extremely clear: the charges stand - get lost. We closed all our accounts there and then.

Any potential future customer needs to understand this awful company's approach and take your business where it will be appreciated.
Complaint comments Comments (8) Complaint country United States Complaint category Banks


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N  18th of Nov, 2009 by    +1 Votes
Maybe your son can stop sucking on the teet and learn to take care of himself. He made the error. There are consequences for not understanding how a debit card works.
N  4th of Dec, 2009 by    0 Votes
Are BB&T customers aware after 2 calls to customer service within a billing cycle that they charge you $2.00 per call to speak to a customer service rep.? I got one on my statement for a 3rd call to find out why my new debit card had not arrived. I was told that one had not been ordered according to their records. Can you imagine getting charged for following up on a mistake made by the bank itself? The rep had to clear with a supervisor in order to refund the charge.

I am calling local credit unions today to compare charges. BB&T advertises that they are the favorite community bank. That is a very hard promise to live up to especially when the bank employees have attitudes that make it hard to like anything about them.
D  3rd of Jun, 2010 by    +2 Votes
Whose fault is it he overdrafted?

A student account has a ONE-TIME refund with it at BB&T. I assume he already used that and didn't learn his lesson the first time.
A  24th of Aug, 2010 by    -1 Votes
BBT will hold onto your smallest debit charges in a "Pending" category then move it to the "Posting" category when it fits their needs. Example: If you had make 6 -$10.00 transactions and 5 days later make a $150.00 transaction, mistakely think you had the money in your account, they will process the $150.00 charge first, then process the smaller amounts so they can charge you 6 overdraft fees versus just one. That is shading business no matter how you look at it. Their response, "Some businesses accounts process quicker then others". "I say that is crap they know it we know it and they don't care"...They are a business preying on the working class and no one regulates their practices to protect the consumer. Everyone makes mistakes from time to time on their accounts, no one is perfect, but for this company to blantantly practice business this way is criminal in my book.
N  9th of Nov, 2010 by    -1 Votes
Who is this idiot named "Maggie" -- she seems to be talking to herself. Maggie - do you do this when you walk down the street? Hearing voices is a serious sign of mental illness. Please get professional help and stop posting your gibberish on this site.
N  28th of Dec, 2010 by    -1 Votes
What a freak!
A  25th of Jan, 2011 by    0 Votes
Why people waste their time (and money) with those small crappy banks?
N  31st of Jul, 2011 by    +1 Votes
Just as an FYI, your bank services agreement tells you that items post Highest to Lowest. Dont like the policy? Dont sign the dotted line. I believe there was news effective July 1st that customer were heard and have changed the policy to items will post in order they are purchased. SO if you come close to OD your account and you purchase a Big Mac that cause you to OD, it would be paid, but if that mortgage payment comes out later and is rejected, dont complain. People dont like Highest to Lowest. Big Mac must be more important.

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Branch Banking & Trust Company / BB&T Logo Branch Banking & Trust Company / BB&T
Customer Care Service
PO Box 632
North Carolina
United States - 28472
+1 800 226 5228
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