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Truist Bank (formerly BB&T Bank)
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1.8 975 Reviews

Truist Bank (formerly BB&T Bank) Complaints Summary

181 Resolved
794 Unresolved
Our verdict: With Truist Bank (formerly BB&T Bank)'s very poor resolution rate, careful consideration is needed. Research their service comprehensively, and read up on how they handle customer disputes. If you face issues, be prepared for potential challenges in obtaining resolutions and explore other service providers as backups.
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2:27 pm EDT
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Truist Bank (formerly BB&T Bank) Account freezing

BB&T, without any good reason, froze my account and refuses to release it.

I sublet an apartment I had in Pennsylvania to a longtime friend. He paid his rent with an automatic online payment system. The account was with an institution based in Utah, which sent a check every week and automatically deducted the amount from his account.

Since April, I have been depositing these checks in my BB&T checking account with no problem. On Aug. 27, a teller placed a five-day hold on two of those checks, totaling $200. Later that afternoon, the branch manager called me, informing me BB&T was placing a freeze on my entire account. The bank security department believed all the checks were fraudulent and would be returned, even though they had cleared and been paid to my account. Today, Sept. 1, with my friend on the line with me, we verified with a representative of his bank that his account is in good standing, that each check was valid, and that each check was paid to BB&T.

The branch manager at BB&T said her security department was more advanced and was going through their own channels. My account will have a hold on it for at least 30 days so thier advanced department can verify what I verified in 20 minutes. Meanwhile, I have no checking account with which to pay my bills.

My friend warned me that he stopped doing business with BB&T because of their arcane rules and disregard to the need of their customers.

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Mike Lawter
Spartanburg, US
Dec 22, 2011 2:33 am EST
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BB&T took $110 dollars from me! I appreciate my customers; does BB&T?

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12:12 pm EDT
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Truist Bank (formerly BB&T Bank) Why do they still have $ to loan? Because i'm sure they just stole it from their own clients

I have been used by this bank enough and today i'm finally going to put an end to it. Im closing everything with this bank today and to me it's just not enough. I want to tell my story and maybe help someone else not even start an account with these thieves. Which they truly are, if you have money in a bb&t bank please watch it closely and never I repeat never make the smallest mistake. Because this is their scam, they wait till their customers make a small error in any of their records the second this happens bb&t swoops in and takes as much as they can. It is soooo disguisting. All their employess are trash can # that will have karma hitting them in the back for as long as they continue to work for this bank. It's very serious, these people should get another job. After all this I still haven't told my own story here goes... I overdrafted (Yes I know thats my fault) by less than $2.00... All the sudden i'm in debt to this bank for $108.00. I know how it all works the last time this happened to me I overdrafted by $78.00 (It was a dr. S office and something about holds, more bb&t crazy circle talk) and was in debt for over $300.00. Anyway this last time I overdrew by $2.00 and they stole the rest of money and they the big kicker they blocked my card without contacting me. So I was trying to buy groceries for my family at walmart. Standing there having just got paid with my $105.00 dollar bill. My card is denied... I call the 1-800 number first they hang up on me, then I 'm told that I have togo the branch bank to get the block off... Are you kidding me I could have lost it right there... Is that what they are trying to do? Make people lose it? Thats scary I don"t want anything to do with this bank for as long as I live... So in the end I have to leave my whole cart of food at the register and drive to bank, when I get there they don't give half a # and they only have one lady who can take the block off my card and she's mysteriously disappeared in their 2 room bank... Hahahahahahahaa. Suffice to say I didn't get to close my account or take the block off that day... Truly a horror story I should have gotten out the first time I found out they where such cheats... I also told the branch manager that there were all kinds of bad things about the bank on the internet,, and she said what where?.. I said google it... She said hahaha well thats just the customers, we're number 1... I could have died right there... You don"t mean a thing to bb&t they just wait around till they can get their hands on your money and I hate to say it, but eventually they will get it.. They do not care about you at all...

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Don Poole BB&T Customer since 1983
Charlotte, US
Sep 19, 2009 8:59 am EDT
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Amen. BB&T has less than 5% of their employees in Charlotte NC that have been with their organization as long as I have been. After having the worst customer service and longest wait times in making deposits at the poorly managed Woodlawn Rd Branch for months and zero response to my complaints, I decided to use my cell phone camera to document the lack of effort by the staff nor concern of it's customers I found myself banned from coming back to that BB&T location. Stephanie Walker the branch manager would rather run off customers that are concerned enough about improving the banks performance than actually listening to her customers and trying to make her branch better for the consumer. Poor management made banks fail and need tax dollars to survive and this is one piece of management, Stephanie Walker, that illustrates how BB&T doesn't give a hoot about their customer base,

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6:41 pm EDT
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Truist Bank (formerly BB&T Bank) Scam charges

I have been with BB&T for over 10 years...They charged me the $35.00 fee for paying my home loan down below $25, 000.00... The people at the local branch took the charges off because I knew them, but I was told because I had such a low banking relationship with them I had to pay the fee... I then started paying an extra monthly payment for my home loan in addition to my regular payment and they charged me a late fee for my regular payment because they did not take out my regular payment because of the overpayment I made… My payment is and was set up as automatic… I hate this bank and as soon as I get my home loan paid I will NEVER, NEVER… bank with them again...

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BG77
, US
Jun 02, 2010 2:28 pm EDT

This isn't a "scam". It's the type of account you have that required a loan or deposit balance over a certain amount.

The only "complaint" I'd have is that they didn't offer to switch your account type to one with lower balance requirements.

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1:18 pm EDT
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Truist Bank (formerly BB&T Bank) Overdraft fees and posting times

I have been with BB&T for almost 10 years now and I will be closing my account by the end of the week. I typically get paid every other Thursday seeing that my depost hits the pending transaction on Wednesday and then posts on Thursday morning. But over the last 3 pay periods, I've noticed that my direct depost hits the pending transaction on Thursday and then posts now on Friday. Is this illegal? On just this last go-around, they slammed me with overdraft fees because of the way they lined up my debts and credits in conjunction with moving the pending transaction and posting forward by 24 hours. When I went to the bank to reconcile, the teller first said that I didn't need to see anyone in charge and that she could answer my questions as to why this time-table has been moved forward by 24 hours. Her reply back was that it's on my organization's side and not BB&T. After further investigation, my organization has nothing to do this. This lady lied through her teeth to me. Thanks Kennesaw, GA branch - you just lost another customer.

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DCB1
, US
Oct 14, 2009 2:26 pm EDT

I am repeatedly charged overdraft fees by BB&T and have complained directly to my branch. Their response, the system cannot credit deposits in the same process and a debit. This means they are quick to debit your account but very very slow in making credits to your account. End result - if you make a deposit and a debit on the same day, the debit will be charged to your account but for some reason BB&T cannot apply the credit. This results in an overdraft fee. Profits for BB&T.
BB&T needs to explain this.
I'm reporting this to the Banking Commission.

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dialate
Kennesaw, US
Aug 24, 2009 10:55 pm EDT

Absolutely, it is infuriating... the way they re-arrange things is absolutely fraudulent. I had one $8 charge that overdrafted my account by $7 or so. OK, so $35 overdraft charge, big deal, right?

Wrong! They took my last 12 purchases and rearranged them so that the $8 overdraft encompasses 4 charges instead of 1. Now I'm -$180- freaking dollars in the hole in NSF and account balance fees. Now I'm gonna have to drop a week of pay to get my account out of the red.

Look at how my statement reads:

08/10/2009 POS SHELL SERVICE STATION 0606 CHKCD PURCH-PIN $1.32
08/10/2009 POS KROGER 2960 SHALLOWFORD 0606 CHKCD PURCH-PIN $2.11
08/10/2009 POS QT 754 0700 ROSWELL GA 0606 CHKCD PURCH $3.05
08/10/2009 POS BURGER KING #11073 ALPHARETTA GA 0606 CHKCD PURCH $4.06
08/10/2009 POS SHELL SERVICE STATION 0606 CHKCD PURCH-PIN $4.92
08/10/2009 POS CHEVRON [protected] KENNESAW GA 0606 CHKCD PURCH $4.97
08/10/2009 POS BP HWY 92 13584 LL 8998 0606 CHKCD PURCH-PIN $5.07
08/10/2009 POS CVS 2108 5095 PEACHTREE 0606 CHKCD PURCH-PIN $5.29
08/10/2009 POS EXXONMOBIL POS 0606 CHKCD PURCH-PIN $5.74
08/10/2009 POS WAFFLE HOUSE 00000 KENNESAW GA 0606 CHKCD PURCH $8.43
08/10/2009 POS STEAK-N-SHAKE#0618 WOODSTOCK GA 0606 CHKCD PURCH $18.60
08/10/2009 POS TRICKUM FOOD MAR 0606 CHKCD PURCH-PIN $21.95

WTF?

I think I'm going back to cash and money orders...many orders of magnitude cheaper...

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dlakers
Davenport, US
Aug 14, 2009 1:42 pm EDT

Is everyone that does not use direct deposit still get their checks on the same day or is it a day later?

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7:31 pm EDT
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Truist Bank (formerly BB&T Bank) Overcharged

I opened a new account online at bbt.com. I had overlooked the rule that they only allow the first $100 of a check for deposit available on the same day. So, I deposited my dad's SSI check and wrote him a check for it because it was HIS money. Well, his check beat my availability of funds and I was charged $35 NSF fees along with $70.00 NSF fees for 2 other checks it caused to bounce because they force paid it anyway. They would not give me a courtesy refund even though I was a new customer. So, they lost this customer and I want people to know they are not easy to work with. I have never heard of such crazy rules at a financial institution before.

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Valerie
, US
Nov 11, 2008 8:37 am EST

BB&T preys on its customers. They purposely post debits before credits although they are aware that there are credits to be posted to create overdrafts. My payroll check is deposited every other Thursday night, and the are aware of the amount before I am. It is nothing less than criminal to charge overdrafts just for the sake of fattening their pockets.

I originally banked with Bank of Louisville before it was bought out by BB&T. I loved the customer-friendly service I received at Bank of Louisville. Since bought out by BB&T, I've had nothing but trouble. I spoke with an officer the local BB&T after completing a survey and complaining about the unethical overdraft practices. She basically said to get over it because that was the policy.

I informed her that I would be closing my accounts with BB&T, and all she could do was warn me that all banks were implementing the same policy. That let me know that she knew that it was unethical, but because others were doing it, right or wrong, BB&T would follow suit.

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Stacey
, US
Jan 08, 2009 4:40 am EST

Cash is always good...right?! Not according to BB&T! I intentionally went to Suntrust to cash my paycheck so that I could make a cash deposit at BB&T to cover bills, etc. I made the deposit on 8/29/08 at 2:05 p.m. thinking all would be fine...the deposit would be credited to my account since there was no 'wait' time on cash. WRONG! The deposit was not credited to my account until September 2, 2008 causing an INITIAL overdraft charge of $420.00!

I immediately called the branch and was told the same old speech about 'deposits made after 2:00 p.m. would not be credited until the next business day'. I understand that with a check, but CASH! I was told that the Manager could not do anything and would get with the Regional Manager for authorization, if any, to refund the fees.

I never heard from anyone that day and low and behold...you guessed it...when I check my account on September 3, 2008 there had been an additional overdraft charge of $385.00 added to the already withdrawn $420.00!

I again called the branch, spoke to the manager, this time in tears. Got the same speech..he was waiting to get a call back and would let me know when he heard something. Never heard anything that day either.

Sooo, I check my balance the NEXT day, September 4, 2008 and OMG! another $315.00 had been deducted for overdraft fees! My husband's entire pay check that had been direct deposited into the account had been totally eaten up! I called the branch again, same story, never heard so I went to the branch. Unbelievably, I got the same story.

Long and short, I sit here right this minute STILL waiting to hear whether or not my life can go on, if I can eat, pay my rent and just have gas to get to work on Monday. I am with ANYBODY and EVERYBODY who would like to start some type of legislation to stop this type of thing from happening to the citizens of the UNITED STATES OF AMERICA!

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Vicky
, US
Jan 09, 2009 4:42 am EST

Okay, I have banked with BB&T for about a year now. I seem to get an over draft fee or non sufficient fund fee for anything. Today was the last straw! On Monday, November 17th after 2pm I realized that a direct deposit had not shown up in my available balance. I called my local branch to find out more information. I explained I was concerned since I has several checks to go through. I rushed home and deposited a small check from my part time job into the atm to get the $100.00 applied to my balance. I did not get the 100.00. I was worried the entire night. I called phone 24 and the branch and asked if the certain checks had attempted to post or debits. I was told no and I had time before 2pm to deposit money in my account to cover anything that was outstanding. I had a certified check deposited into my account for $2000.00 before 2pm.. There was not a hold. I got a courtesy $100.00. The next morning I found out I was charged $175.00 in over draft fees and $70.00 in nsf fees! I was so angry! I printed out from my online banking where it showed the $2000.00 was credited on November 18th. I was informed only 100.00 was applied to my account since certified checks that are not from BB&T are treating like checks and not considered cash. I asked why the funds were not verified if there were issues regarding certified checks. I was in the bank for 1 1/2 hours and basically was told I would not get my fees back. It seems their system changes to suit how many fees they can charge you. I had the money in my account that would have covered all my checks including the ones I was charged NSF fees. BB&T should be ashamed to state a proud member of the community since 1892. I closed my account and moved to Wachovia. Hopefully it will be a little better.

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Evan
, US
May 07, 2009 12:42 pm EDT

My husband had to pay for a rental car, and the company put a $300 hold on his BB & T account. He returned the car the next day, and though this was a Friday, the hold should have been released in a timely manner, right? No more than a day or two. Instead the bank held the hold for who knows how long, our laptop cord broke and I was unable to check the account to see the hold released. In the meantime, the bank was busily bouncing checks left and right, because this "hold" on the account wasn't released, and this set up more bounce fees, because the fees totaled $380 the first go round.

Then, because we live paycheck to paycheck, especially this month, because the aforesaid rental was due to brake work that ended up costing $650, and then the transmission went out on the same car, and my husband missed 4 days of work with no way to get there, so of course each and every $10 or $20 debit that we made on the account ended up costing us more in OD fees, so basically we are in a vicious cycle, because yes, we have no money, because we have been fee'd to death, and we still have to put gas in the car so that he can go to work, so that he can pay more in fees.

Yes it is our fault that we didn't stop living as soon as we realized we had paid $945 in fees, but I challenge you to live with no money, having all of your money going to pay the $945 in OD fees, I suppose we should have just sat at home with no food, money or diapers, no gas to get to work, yep, we are total wastrels, and yes we understand that the banks policy is that OD fees discourage OD's, but when the bank charges you a $35 fee each incident, totaling $945 in one month, greatly because it is bank policy to take the largest amount out first, and then down from there, some of these OD fees were on non bank ATM charges of $2.50, so we paid $35 on a $2.50 fee. Some of these fees were the result of automatic payments, I did try to call the company to ask that the automatic payments not be taken out, but they basically told me to go stuff it.

I called the branch manager several times, leaving messages on her machine, and never got a call back. I also wrote to the bank website, basically begging them to please help me break this cycle, and they told me that I was out of luck. They said that they only refund fees if the bank makes a mistake, and as far as they are concerned the hold on the account in the amount of $300 was not a mistake, and the fact that they did not release the hold in a timely manner was not a mistake.

SO yes, to all you out there who feel we got what we deserved due to our reckless spending, and to BB & T who was so understanding of our plight, THANKS! We have $10 in our account to make it through the week, and no money for rent, or utilities, because as soon as we get the next paycheck it needs to go to rent, which means we will have no money AGAIN for the gas and food for the week, which means that maybe we will have to "bounce" something to get through the week, which will mean more fees, and the cycle continues. Yes, I understand it is my fault that I did not check to make sure the $300 hold was released. But if you honestly believe that these practices are fair and balanced, then you have never REALLY lived paycheck to paycheck. I have read some of the less than sympathetic responses to these types of posts, and understand that there are many who take the stance "if you don't have it, don't spend it" but I challenge you to make it through a week with absolutely no money, because the bank fees just ate it all.

Yep, we certainly learned our lesson. My husbands company only does payroll through direct deposit, but I am closing this account and moving to a local credit union, hoping that we will never be stuck in a cycle like this again. I feel that the practice of OD fees and high to low debits does target those of us with lower incomes, because we are the only jerks that ever end up in situations like this. And I remind you, this whole cycle started because of a hold on the account that was not released in a timely manner, and the cycle begets the cycle, because once you have paid a couple hundred dollars in fees, it sets you up for the next week to be that much short, and if you live paycheck to paycheck, you are pretty much out of luck. We have been stuck in a cycle of financial distress anyway, two of the houses we were renting last year ended up in foreclosure due to nonpayment of mortgages by the owners, so three times we have had to come up with first, last and security deposits, eating up whatever savings we had managed to accumulate plus putting a big dent in any future savings, and my husbands company of 5 years went broke, causing a month of unemployment, so our financial situation was tenuous anyway. Reading posts on this and other sites, and reading the replies to some of these posts, I understand that many feel that people in our situation are there because of our own reckless spending practices, but I assure you that we are not spending money simply to be spending it. The vast majority of our money goes to basic household expenses, we do not shop for the sake of shopping, we have not taken a vacation for 7 years, we do not have parties for the kids birthdays, etc etc. I am still wearing socks I bought 17 months ago. I wish that more people would understand that sometimes the people who have the least aren't there because they recklessly spend money, but because it costs money to live.

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gaburearu
Moseley, US
Mar 22, 2010 4:39 pm EDT

I recently had around $86 in my account. During the week I made about $84 in purchases on my debit card. Friday I went into my local branch around 4:45 and deposited a check for about $144. The teller told me that a $100 account credit would IMMEDIATELY go through, and then the rest of the check would clear on Monday. Well, apparently "immediately" in the BBT handbook means the next day, because I made a couple purchases over the weekend, then find that my account is being shown overdrawn over $240. Unlike most banks, instead of denying anything that exceeds your account balance, they approve the debit, then charge you an overdraft fee. I went in to my local branch and attempted to resolve this, even telling them that if they would adjust the overdraft due to their telling me the wrong thing, I would gladly pay the resulting overdraft, if there was one. They said that they couldn't refund it. I then get a notice saying that if my account remains negative for over 7 days, a $30 fee will be charged to my account. WHAT!?!? So I called and told them I just received the notice today, and am currently unemployed (I do some work on the side, but am not formerly employed, and have no continuous income). They again told me it was bank policy that they can't do refunds. I already reported them to the BBB, and as soon as this is resolved, I will close my account and never again do business with BBT.

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jamesw greulich
, US
Oct 16, 2009 12:25 pm EDT

yes i know what you mean bb&t just did the same thing to me and my wife online payment took 7 days they charged my acc and over darft the first day and when we called we were told get over it they stold over 475.00 from uu

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Veleno45
Leesburg, US
Sep 23, 2009 10:07 am EDT

BBandT has been increasingly harder to work with and is extremely abusive on there charges and policies. Part of the problem with BB and T is they offer all these free "customer service" tools to help you but they do not tell you the full story. For instance, they offer a daily balance alert, which emails the acct holder their balance. But this info is not correct. They also offer online services where you can see pending transaction. These aren't correct either. Gas is not included in pending and certain debits, like an insurance payment auto debit, are not shown there. If you ever do make a mistake the BB and T policies will really get you. Let's say you use you have $100 in the bank and use your debit card for $10 in gas, $10 meal, and a $10 bill payment. That is all out of your account and you are showing everywhere (at the atm, online, ABD on bbt phone service) a balance of $70. But then that evening a check you forgot, an autodraft, whatever, is taken out for $105. You are now overdrawn, your mistake, 1 overdraft charge as a penalty...wrong! BB &T actually will take that draft and place it in front of the debits of that previous day and overdraft the lot of them! There reasoning is they feel that was a pending payment BEFORE you made those other transactions, so instead of a $39 charge you have a $160 charge. This is FACT, I can unfortunately show it. Other practices you may not know: withdrawing money from an ATM will result in a $39 charge if you are overdrawn. They will not alert you to the issue, they will give you the money and receipt and then charge an overdraft (yes, even at a BBT ATM). Have an issue and need help?, BB and T gives you 2 phone calls a month, free, if you call again you will be charged $2, and yes, that push you to overdraw also. Do you want to have them stop your debit card if you don't have funds, they will not do that either (ask your local manager, company line is: We don't want to return someones mortgage payment and have them lose there house). Best of luck dealing with these guys, but they should be brought up on charges for what they do.

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David Benson
Washington, US
Jul 07, 2009 12:43 pm EDT

Anyone interested in participating in a class action suit against BB&T please contact me.

David Benson
snags6@yahoo.com

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foo
, SZ
Jul 05, 2009 9:23 pm EDT

stupid twit - living paycheck to paycheck ... why not try to live within your means?

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bbandtsucks
gat, US
Jun 27, 2009 2:24 am EDT

http://bbandtsucks.com

Forums coming soon!

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12:58 pm EDT
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Truist Bank (formerly BB&T Bank) Unauthorized charges

Due to one transaction which to took me over the limit. Each time I used my debit card it was $35.00 with a grand total of $1, 0000.00. Never happen before. They are dragging their feet return the fees. Who has $1, 000 they want to give to a bank like bb&t alpharetta ga, thats rude, racist and lacks coustomer service.

Do not bank with the alpharetta, ga, cumming or suwanne branches... They only favor their golfing friends. Wait until the media gets a hold of this... What bank charges $1, 0000 in nsf fees. What about a courtesy call to the customer? Not bb&t-ripp off — oh, I have also contacted the federal authorities.

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lawismylife
Moody, US
Aug 04, 2010 1:50 pm EDT
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I am currently having the same exact problem in Birmingham, AL branches. I even took it to the corporate office and filed a formal complaint with them. I was told I would be contacted within 48 hours with a response. I did not receive a call until 5 days later. Furthermore, the call I received was very short and unfriendly from a secretary of a corporate head who had the nerve to inform me that he had a post it note on his desk when he arrived a the office that morning asking to give me a call and explain the situation.

Before all of this took place, I was forced to visit 2 branches and even then my problem still could not be resolved. The first rep at the branch told me she could not explain the charges because they did not make sense to her and that I needed to visit my opening branch. What is the point of branch banking then? I did not have time, as I do have a job, to drive 45 minutes to my hometown, so I went to another branch in the next city. The rep there told me he did not know how to "simplify it into terms [I] would understand" regarding why they continually charged me overdraft item fees to a positive balance. Then he proceeded to tell me I would not be able "to talk my way out it" so not even to try. I guess that because I am young they believe they can treat me however they wish and assume I am unintelligent. Little did he know I am a student of law who works at one of the southeast's most prestigious plaintiff firms. Better believe I put that rep in his place.

I recently opened another bank account at America's First where the representatives are extremely nice and very helpful. I am closing my account with BB&T tomorrow. As it turns out, there is nothing I can do to get my lost money back. The least they could have done was apologized for the inconvenience of the ignorant, disrespectful representatives. I guess this company is too busy pleasing their prized customers to accomodate the needs of us small-town and apparently dim-witted folks.

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DJJohnson
Conyers, US
Aug 05, 2009 8:10 am EDT

I'm am being ripped off every week by BB&T and this is a shame.

I think the Government doesn't intervene when they are benefiting from the fraudulent transactions.

So, lets find out what the Government should be enforcing and sue them for ignoring the facts and allowing the banks to take advantage of us.

If all else fails...lets remove the money from BB&T until we can find a honest institution.

DJ
proteuslife@msn.com

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3:53 pm EDT
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Truist Bank (formerly BB&T Bank) Overdraft fees/posting procedures

I have been unemployed since july of 2008 and have my unemployment check direct deposited into my account. I usually receive this every wednesday, and when I use the phone access to listen to my account balance, it says the amount of the direct deposit will be deposited on that date (Which is usually always a wednesday). This past wednesday, lo and behold the money was in my available balance as usual, and yes there was a negative balance prior to that because I did have overdraft fees previous to the check going in, but it said my available balance was a positive amount. I had heard horrible things about bb&t before, but I thought since my balance was positive I could go ahead with paying bills. Wrong! There were 3 pending transactions that had not gone through even though they had already been taken out of my available balance that posted on the 10th (Last wednesday) that miraculously went through before my check was credited even though that direct deposit should have posted before 2pm that day! Of course I used my card to pay bills, go to the grocery store, etc. And when I checked my balance on thursday the 11th my account was negative -$81. That is because they charged me $105 in overdraft which cost me after paying bills, etc a total of $433! I talked to the bank manager and she said that with that amount of overdraft fees she would have to talk to a "second level manager" because she didn't have the authority to remove such a high amount of fees, even though I told her it was not my fault (But of course in the end they blamed it on me). She told me that if they did take off any fees she would have to block my debit card for at least a month to show me how to "properly manage" my account. That way I would only be able to use checks or cash. I told her it was the banks' fault for allowing customer's to use funds that were not readily available on debit cards, and she told me she could set up my card so it would decline it if the funds were not there immediately, but that would be a hassle because the bank's system would still look at the balance of the previous night, and if it posted anytime on the weekend it would still be the same predicament. Ok, let's fast forward to when she called me back with the "good news" from her second level manager. She told me that they looked at my account, and since I have had overdraft fees at some point during the time I have had the account (Over 2 years), they could refund me $150 in fees but I would still have to pay the remaining $286 in fees, and they would have to close my account! I could not believe it! I have the same thing with bank of america and wachovia, and what I want to say to everyone is beware. Our banking system is hurting so bad that they are teaching their employees to lie and deceive people about how these banks' processing systems work. Not only do I have to pay back these ridiculous exorbitant fees but I have to get a new bank account. My previous overdraft fees were my fault, trying to juggle bills while making $350 a week on unemployment while taking care of a 4 year old. Doesn't anyone out there think this is cause for a lawsuit? Or does this just seem par for the course in this lousy economy and we all (The poor people) just have to eat it while the rich get richer?

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kathleen turner
, US
Apr 14, 2010 7:27 pm EDT

omg...seems like all of us are having the same problems..i had no idea.i thought i was getting old and forgot how to add and subtract. turns out i am not the one making mistakes(except for banking with Bandit Banking and Tricks).i think its time to put a stop to them taking our money away from us.

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Reef
Greeneville, US
Jul 28, 2009 11:41 am EDT

Nock nock, you forget one litle thing, there delivering a service, and they do a damn bad job at that.

Other bills you pay ones a month, thats easy to keep track off, but to keep track of every litle purchase you make a day with the delay that the banks bring in, is something totally different, and there for your compairing makes no sence at all.

Nobody denies it's there own fold, but the bank could implement technicall solutions to solve this by denying overdrafts or at least use reasonable ways of dealing with overdrafts when they happen. (like a x% yearly intrest on the money you overdrawn)

Bottom line there is no justification for charging a 35 fee on fee on fee over a few small purchaces, for me it's unacceptable.

The bank is to store and loan money from, but they act like there the mofo sherif in town with there fees.

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GodisGr8-PeopleR Crazy
Tullahoma, US
Jul 25, 2009 2:13 am EDT

You people do not need checking accounts! Since i have had a checking account at the age of 16, i have always been told anything after (insert your banks cut-off time here)on Friday gets processed Monday night, , because banks don't work saturday and sunday nights! duh! Hopefully one day they will, , but if you don't know this simple piece of info then you really don't need an account. Take some "personal responsibility" here. Oh yeah i forgot we live in a world where it's always someone else's fault. Never could be that you don't write anything down. That would be like me forgetting to pay my light bill, and they shut my power off and then I get mad at them for not calling me to remind me to pay my bill? Come on its my responsibility to pay my light bill, If they shut my power off and charge $75 to have it turned back on, , you know what? i shouldn't have been so dumb in the first place. It was MY fault the power got shut off and now my tough lesson is learned and i'm gonna make darn sure to pay my light bill next time.

Its the same principle.

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VACollegeStudent
, US
Jul 15, 2009 9:30 am EDT

i had the same thing happen to me recently. when i call them up to complain they said it was my fault because when i transfered funds, it was after 9pm on friday... i transfer 50 dollars on friday but it didnt post til tuesday. The women then proceeded to say bb&t does not despot anything until monday night. ok yeah right. But the funny thing is the item that i bought that caused me to over draft the second time, was bought way before the date that it posted. why was that... when you overdraft sometimes they hold you checks from going through just to see if your going to do it again. does that sound right, no, but its true. So I asked her if i deposited money on Saturday in the actually bank, going inside and physically depositing cash, then I should be fine, right. Wrong! She said you can withdrawn the cash or make a purchase but it wont go through until tuesday morning once again. Does that seem right?

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Reef
Greeneville, US
Jul 06, 2009 10:05 am EDT

"It is not the bank's fault that you spent money you didn't have"

How nice is that, it is not the banks fault you spend to much money how bright...

But with the timeframe this bank proceses money transfers it is getting a blury mess, we are consumers, not pro bankers, so why can't the damn BB&T bank make money transfers instant (at least trough there own office) ? why can't they protect my account for overdrafts and block the payments ?

There are technical solutions for it, BB&T chooses to not use them, so what can be the reason ? they make big money by making it difficult for people ?

They have there own profit above honest service to the customers, there the pro's, not us...

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bbandtsucks
gat, US
Jun 27, 2009 2:27 am EDT

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Truist Bank (formerly BB&T Bank) Online banking fee

Bb&t has a $5. 95 monthly fee if you use any kind of accounting software that automatically updates from their website attached to their "free" checking. They do not tell you upfront about the fee; you will only find it if you carefully read their "online banking disclosure" they give you in the "welcome" pack after you sign up for the account. It may not be fraud legally, but i think it's just dirty. They know that most people are not going to go home and sit down to read that legalese but fail to disclose that their free service is not actually free if you really use it. The fee applies even if you do only online banking (I had no ordered checks, only online transactions except deposits, online statements) . They have a right to charge for whatever services they want; it's the way they go about doing it that's dirty. Will be leaving them as soon as possible and advising others to do the same.

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sarasunnyfl
Fort Myers, US
Sep 21, 2009 5:00 pm EDT

i too have had the surprise of the on line service fee and I only have thank heavens a health savings account with them! Now when I am transferring my HSA to Suncoast Credit Uninion - they charged a $50. transfer fee! And it will take 4 to 6 weeks to get there! Oh my and they wonder why I did not stay with them when they took over Colonial which was my previous bank for years!

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Jun 27, 2009 2:26 am EDT

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Truist Bank (formerly BB&T Bank) - Loan modification

I have been trying to work with BB&T for a loan modification since December, 2008. They had offered me a modification at $300-$400.00 over the mortgage payment in december 2008. I requested they revisit it, as I could not afford a higher payment. I waited 3 weeks and called them, the loss-mitigation department told me I had refused the modification, so they...

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Truist Bank (formerly BB&T Bank) Fees

BB&T bank refuses to cash a check drawn on their bank without a $5.00 fee if you do not have an account with them. When I complained, the teller had the nerve to ask me if I wanted to open an account with them in order to avoid the fee with a smile on her face. Doesn't this constitute blackmail? How can it be legal for a bank to refuse to cash their own checks without a fee?

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123456789101112131415
Atlanta, US
Oct 10, 2012 7:07 am EDT

After you file the complaints, please let's get together and get rid of these economic terrorists from our country--let's break this mega-bank up.

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StNickolais
Knoxville, US
Apr 29, 2010 7:19 am EDT
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Filing formal complaints to get real results

Federal Reserve Bank Complaint Department

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US Treasury Department - Office of Comptroller of Currency

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gat, US
Jun 27, 2009 2:26 am EDT

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Truist Bank (formerly BB&T Bank) money scam

I recently cancelled a transaction that never should have taken place. The money was then refunded to my account by the company, but the bank will not refund my money for the $35 overdraft fee. I do not understand why it is that a mistake was made by another company, and therefore, I have to pay for it. My bank told me that they will not refund my money, because they gave me a loan, even though this never should have happened. I am very upset over this, as I do not have the money to throw away.

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bbandtsucks
gat, US
Jun 27, 2009 2:26 am EDT

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Truist Bank (formerly BB&T Bank) Overdraft fees

BB&T on-line banking software is not accurate and is very misleading.

The software BB&T uses on line does NOT display an ending balance. You have a Debit column and a Credit column ~ you do not have an Ending balance column. Instead you have a small window that displays “Available Balance". But this window is NOT accurate.

I also have recently experienced seeing a "Posted Transaction" {which by BB&T description is a paid item} completely disappear from the posted transaction window and then 2 weeks later show up in the "Pending Transaction" window to be paid again.
Not sure how a transaction can be displayed as paid for and funds be deducted from the available balance and then reappear to be paid out again. This software screw up has just cost me $420.00 in overdraft fees. BB&T accepts no blame for this issue and refuses to work with me {their customer} to rectify this issue.

I would suggest that if you are a BB&T consumer that when you bank on line or check your account you take and save screen shots of your on line bank statements. Press Ctrl and Print Screen keys on your key board and save to a Word document with the date. It may save you $420.00.

I will be paying BB&T their overdraft fees and closing my account and they will never ever earn my business again.

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Gale1125
Spartanburg, US
Mar 18, 2010 1:22 am EDT

Two complaints. A few months ago my acct was compromised. They stole my ATM card and checkbook. The people took checks from someones closed account and deposited them into my account at the teller window. The people took a deposit slip, deposited the check and got cash back from the tellers at two branches. Overdrew my account by $400.00. Now BB&T has declined my theft report and says that I am at fault because my checkbook was NOT SECURED. In my home in my pocketbook as always--not secured? I guess there is no problem with the fact that someone gave cash back to somebody they had to know was not me. I have a senior acct and the thief was like 30 years old.

2. Overdrafts. BB&T is the absolute worst bunch of scammers I have ever seen. Here is how there last scam worked on my acct. I have about $100.00 in my acct. I deposit cash ($300.00) to my account on Friday at 10 a.m. It posts immediately (cash) and reflects in my balance. I go grocery shopping and use my debit card, then go make a few pmts. Monday am I start getting overdraft fees. It seems that my money is NOT in my acct until they post it on their system which took until Weds morning. This cash deposit took three business days to post and here I am collecting overdraft charges the whole time. I want to know how to complain also

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PE Gould
Jesup, US
Apr 09, 2011 5:12 pm EDT

They chared me $33.00 for a .26 cent overdrafed. and then said ther was nothing they could do about it.

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dove777
moreheadcity, US
May 21, 2013 4:24 pm EDT
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This bank is the worst they will find away to charge you overdraft fees stay away from bbt, , they put me trough hell they add transactions when it suits them to charge you, , they need a good class actions

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123456789101112131415
Atlanta, US
Oct 10, 2012 7:03 am EDT

They charged me $70 (2x$35), or $0.38 overdraft. They charged me one $35 fee for every week that the account remained negative and since I was out of town, it took me 10 days to go put in the $0.38, well $70.38 by the time they were finished reaching their dirty hands into my pocket. Get your account out of there and advise anyone who has an account there to do the same. They're simply thieves.

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Ashley_j
, US
Mar 22, 2012 6:57 am EDT

I have had the same problem with this issue. My online available balance was $65 so i thought hey i can get some food gas and stuff to last me until my next paycheck. Then i check my online statement the next day and i was charged $340 in overdraft fees...WTF! called the 1-800 number and the branch manager and apparently what i see on my online banking statement is completely different from what they see on their computer. Ummm well no offense i said to the manager but why the hell would the online banking tell me i have $65 when i really dont, and if its not accurate then how is that my problem, maybe it should be more clear. and what really doesnt make any sense is that after they charged me an overdraft fee of $70 the first time my balance only went down to -$9 and some change meaning that they charged me the fee even though i didnt even overdraft. im soooo pissed now my paycheck that gets directly deposited into my account is gone because they charged me $340, and when i did the math on my own i should have only gotten charged 2 overdraft fees, all for like $15 and some change. This bank sucks! I never had this problem with capitol one

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bubbs2k
, US
Apr 09, 2011 6:21 pm EDT
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I had a similar experience. I deposited a check, bought a sackful of groceries, got slapped with overdraft fee. Coincidentally, I saw a flyer taped to the wall of the drive thru window that mentioned something about increasing revenue from fees. BB&T has left a bad taste in my mouth. What exactly are inactivity fees? It's ridiculous.

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StNickolais
Knoxville, US
Apr 29, 2010 7:14 am EDT
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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

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GodisGr8-PeopleR Crazy
Tullahoma, US
Jul 25, 2009 1:48 am EDT

I am very familiar with posting direct deposits as i have done this in previous work. First of all when your employer says they "send" your check to the bank of Tuesday, what they are really doing is keying it into the computer. When your employer does this, the reason they "send" it on Tuesday is because its just like a check card purchase in that it takes 2 business days to post. It is a "transaction". Your payroll HAS to know this because you said you get paid on Thursdays. Your employer fully expects you to not get your pay even ONE day early. You are suppose to get paid on Thursday and you do. Your funds are posted and available to you Thursday morning.

Second, , , if you are getting overdraft fees, , i can assure you it is not on anything you initiate on Thursday morning. More likely, its items done prior to Thursday morning, meaning you spent more money than you had prior to Thursday. Go ask your bank to show you actual posting order not just your history transaction list and you'll see.

You cannot go Wed. night to Wal-mart and use your check card, thinking "Oh I get paid in the morning". It use to be credits would always post before debits, , but we are in the 21st century now. Banks know what time you use your card and what time your deposit comes in . And contrary to popular believe, , when you use your check card, it does not immediately "post" to your acct. The merchant only puts a temporary hold on those funds. The hold is released after the first processing night. Meaning that if your trying to use the ATM instead of your check register to keep up with your balance, , your probably goin to have Overdrafts.

Most people who complain about overdrafts, probably 90%, either (a) don't know what a check register is. ( b) have one but do not write everything down, and do not keep a running balance. or (c) Round up and think thats gonna keep them okay.

By the way, , , all banks post at night, , , they all only do it once.
Praise be to the person that pioneers the posting system to be "real time"

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bbandtsucks
gat, US
Jun 27, 2009 2:25 am EDT

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Ms. Monnie Q.
Portsmouth, US
Jun 24, 2009 1:11 pm EDT

I have dealt with several banks in the past but BB&T has got to be the worse bank I ever had the pleasure of dealing with. I get paid on Thursday's and my payroll department sends them my direct deposit on Tuesday. I need someone to tell my how and why they add the money to my account at 6:00a.m. on Thursday but do not post it to my account until 12:00 midnight Thursday going into Friday. So if I happen to use my debit card anytime on Thursday (which is my actual payday) I automatically get hit with a $35.00 overdraft fee. When I questioned them about this they said they post money to accounts once a day and that is at midnight. So I asked why don't they post my money on Wednesday night at midnight going into Thursday. That way I can access all my money on my actual payday. Because the way BB&T is handling it...it's almost like they have changed my payday until Friday. BB&T bank told me that my payroll deptartment says don't add the money to the account until 6:00a.m. Thursday but when I called my Human Resource Department they told me they never stated that. They told me my money is sent to my bank on Tuesday and they never sent them anything saying don't add to account until Thursday. They also told me this must be a really small bank if they only post once a day and maybe I should consider changing banks. She also told me that some of our other employees that deal with other banks and credit unions have access to there money on Wednesday's after 9:00p.m. Now what kind of mess is this.

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Truist Bank (formerly BB&T Bank) Bizar overdraft fees

I just moved from the Netherlands to the US, i opend a checkings account at BB&T, very plesent personal in the office that for sure, this is a big reason to open a account there, but there policy for overdraft fees is unacceptable and i think near criminal.

I deposit some money in the checkins acount and started to use my bank card, i didn't give enough thought about the money in my account so i did 2 transactions of a total $150 over the money i had on my account.

It is my own fault i tride to charge more money then i had on my account, that i will admit instantlly, that i would have to pay intrest on this $150 (couse basiclly it's a loan) that i also understand.

But they dare to charge me $70 over this $150 overdraft, in times where the banks loan money for 0% they dare to charge me near 50% intrest on a couple of days loan (altho they call intrest a fee)

The personal at the local office was very nice again when i confronted them with this and they told me they can do nothing about this, couse this is policy, i think it's near criminal, that 70 dollars is in no way a compairing for this 150 overdraft.

Was looking on the internet to find where i can complain about this and stumbled on this site, had to write of the frustration, i have very lilte patience with big companies that should deliver honest service and not try to bend you over with policies that in no way are fair.

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Update by Reef
Jul 02, 2009 4:50 pm EDT

Ok, i've had another one on my sleeves (20 dollars over, 35 fee, mofo) i've canceld my account, i dont understand people accept this kind off mess, do they realize what kindoff yearly intrest they pay with a few mistakes like that. (and i'm not a pro banker, i'm just a consumer living from paycheck to paycheck)

I have to start to look for another bank, I can not imagen all banks are stealing money from there customers this way, if all banks here in the USA act like this then i understand why we are in a mess now that put people all over the world in troubles. (and who can save the mofo ?)

Coming from the Netherlands it is a big suprise to see banking here, the USA is the strongest economic nation for decades, but the banking goes like we did 25 years ago.

Cheques i havent seen in 25 years, money transfers and payments go all electronic and for the most part instant, if you have a overdraft you pay a x% yearly intrest over that, if your overdraft get higher then the limit you set on your account your account get blocked till you put money back in.

Starting my search for a new bank now, but might end up with a old sock or shoe box as a better alternative.

Update by Reef
May 11, 2009 9:41 pm EDT

Man, just checking the specs, i was even only 63 dollars over, charging me 70 for it.

So not 50% profit on a loan of, but more then 100%, how to double your money in just a few days ? ask BB&T

Does aybody know any banks thats more trustable ?

Update by Reef
May 11, 2009 3:55 pm EDT

@guy10782

ThX for you're comment

You are fully right on that, it's there polici and thats there good right and i agree i have signed on that. (I have to read the conditions better clearly)

But come on, you can't say charging $70 over a few days credit of $150 is reasonable.

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DJJohnson
Conyers, US
Aug 05, 2009 8:06 am EDT

I'm am being ripped off every week by BB&T and this is a shame.

I think the Government doesn't intervene when they are benefiting from the fraudulent transactions.

So, lets find out what the Government should be enforcing and sue them for ignoring the facts and allowing the banks to take advantage of us.

If all else fails...lets remove the money from BB&T until we can find a honest institution.

DJ
proteuslife@msn.com

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bbandtsucks
gat, US
Jun 27, 2009 2:25 am EDT

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guy10782
, US
May 14, 2009 4:37 pm EDT

i agree with what you both are saying, im just sticking up for the banking side. i manage a bank so i know how most of them run. i must add that i dont always agree with how other banks run and add that my bank charges 15 per item and has a max of 60 no matter how many items. so when you say all banks suck and that they are crooks, just remember that its mostly the big banks that treat their customers like crap.

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consumer1
Greeneville, US
May 11, 2009 3:50 pm EDT

I agree the problem is with the banks in our country. Those greedy snobs are the ones responsible for the economic mess. I say they should come up with a more logical and reasonable means for implementing fees on overdrafts.

To guy10782: I think the poster understands the system as he admitted his own fault, ergo your post is irrelevant. The fact that this overdraft charge is very common is a slap on the face of every American. When do the banks decide to raise the price of the overdraft fee...it occurs when their ### are on the chopping block.

It is time that our financial instutions ceased their extortion of the everyday little man.

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guy10782
, US
May 11, 2009 3:34 pm EDT

it has nothing to do with percentages, it was a certain charge per overdraft item (prob around 30-35 bucks) which is very common. and might i add was prob in a disclosure you signed when you opened your account.

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Truist Bank (formerly BB&T Bank) Rip offs!

I had a credit of 216 in my bank account and spent here and there. One day i check my balance on my bank account and it had said I over drafted four times, I went and calculated my purchases and it shouldn't have charged me four times but only once.I decided to call BB&T and they said for me to go to the bank so I'd understand it clearly. I calculated over 10 times and still got the same number, and i shouldnt have gotten charged 4 over draft fee, but only one. I purchased the amounts of $71.41, $20.43, $29.07, $27.00, $15.25, $11.92 $6.26, $3.78, $3.20, $19.69 which should not have equaled to more then 216 spent, I would have 7.99 left on my card. My last transaction was a purchase of 14.99 then it should have charged me the over draft fee. BB&T is a total rip off! they'll end up charging you when you shouldnt be charged, dont bank with them!

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gat, US
Jun 27, 2009 2:24 am EDT

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Truist Bank (formerly BB&T Bank) Bank reps overstepping the boundaries of their authorities

BB&T has made many manual errors that have caused horrific situations. They have frozen my account many times in error and all they do is apologize. This is the last time for me. I will now blow this incicident up to warn other to file a legal complaint and relocate to another bank. I have witnessessed many others experience much more harsh treaments. i.e. loans not based just on your credit score more on who you know and how well you are known by the small town employees in that bank. Deposits were made and they held the funds but not only that they froze the existing funds that were there and put my account in the negative and all they said in the call center is, "I understand, you may have to go to your branch in the morning to get it cleared if it isn't correct by 6:00 a.m. in the morning. Now if you need the funds then, how is that explained. We are talking about funds that were in your account and was of no concern to the next deposit. This is not the first time this has happened to me. I will make sure this one is persued.

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Moochums
f, US
Jun 12, 2009 5:12 pm EDT

BB&T is a terrible place to bank with.

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Truist Bank (formerly BB&T Bank) - Fraudulent activity

I have been banking with BB&T ever since they have taken over my original bank which was First Virginia. I have never had issues concerning deposits and overdrafts until I started banking with BB&T. Over the years I have paid around a couple of thousand in overdraft fees. The first time I figure it was due to my own irresponsibility. But then it happened...

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Truist Bank (formerly BB&T Bank) Illegal fees

I am trying to find out who regulates BB&T. I have tried the Commonwealth of Virginia State Corporation Commission but cannot locate BB&T in their list of banks that they regulate. I have filed a complaint with just about every other agency known to man but I am sure they will all fall on deaf ears. BB&T shifts transactions around, sometimes waiting up to 5 days to post deposits in order to justify their overdraft fees or NSF fees, Paid Item fees and Maintenance fees. They do not post your balance behind each transaction so you are left to estimate or guess about that. They do not post deposits on Fridays, Saturday, Sundays and in some cases Mondays. However they will post a debit in real time. Just an example, this month alone (March 2009) I made a total of $1, 461 in deposits, and just $588 in withdrawals. I was charged a total of $785 in overdraft/paid item/NSF and Maintenance fees. Although my records show that I have $872 in my account, BB&T has my account at -$166. They do not return my messages any longer. I will continue to seek legal action against BB&T, however I believe that it will ultimately take a class action law suit to bring this company down. If anyone has any information they would like to share or if anyone can be of assistance please contact me.

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Mringer0001
, US
Aug 12, 2015 1:10 pm EDT

I have ha bbt for a while. I get a disability check direct deposited into this account. Once I was hit with my first over draft fee it was like I was targeted. In the last four months my account had been at a minimum of 231$ negative. The max reaching 499$. I have complained to anyone who would take a complaint fourm. Every time bbt sends me a huge package with a print out showing that the charges are legal. I finally had enough and I pulled all my funds out of the account in person. The teller wrote me a teller check and changed it. That check put me in the negative. I even left 20$ in there just in case they wanted to mess with me. I got an email from PayPal that something I bought was out of stock so I had a full refund. I logged into the account to see if it posted and boom I was negative 231$ . they hit me with a fee for the teller check a 2.30 coke from Wendy's and the 29.99 from PayPal . they said they don't see any refund. And then when I called bbt I was told the teller overdraft was a fair charge. Someone start this damn class action so these ### can get felt with. I am tired of being treeaded like a cash cow and trash. They are crooks and goombas.

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tatiasc1966
ladson, US
Dec 20, 2013 9:38 am EST

Same problem
charged me 72 dollars in overcharge
my payroll was posted last after charging me 36 for .63 negative
and for 10 negative

this is ridiculous have over 1000 positive balance!

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skjtnc
Jamestown, US
Aug 13, 2010 10:14 pm EDT

We had been a patrons of BOA for many years but wanted to support a regional bank since we moved to NC and decided on BB&T. Worst mistake I ever made in banking (mea maxima culpa, not my wifes). In just slightly over a month of being with them it has been a nightmare; 1st - We funded the account by an electronic transfer from BOA thinking that would be the fastest. They held that in limbo for I believe 8 business days even though BOA debited our account the day I initiated the transfer through BB&T. Who had our money? Not us. After about a week I called BB&T asking why our account had not funded yet and was told “that's just the way it is with electronic transfers, they take 5-10 business days”. That is total BS, anyone in this day and age knows that money now moves with a click of a computer key, 24 hours max for an electronic transfer. 2Nd - Their check company charged us for checks I didn't order and to cover the charge I was never told I had incurred, BB&T transferred money from our savings to checking and charged us $10 for that. I resolved the problem with Harlond Clark and they agreed we were owed a refund. I called BB&T and said they would only return the transfer fee when HC refunded our money. About 3 weeks later we finally got the refund from HC and I called BB&T to ask for the $10 back which finally posted about 5 days later. All in all about $40. of our money was tied up for 3-4 weeks. 3Rd – While all that was happening I had set up our bill payments and scheduled a few well in advance. Each confirmation said it had to be scheduled 5 business days in advance for the payment to be received by a certain due date. Sometime between when I scheduled the payments in mid July and when they were supposed to go out at the end of the month BB&T changed 3 of the 10 payees I had entered from 5 day paper check delivery to 2 day electronic delivery but neglected to notify me which resulted in a payee receiving an electronic payment on 7/28 instead of 8/2 which is the confirmation I received when I scheduled the payment. Of course a $35 overdraft fee resulted. I called BB&T to ask how could they change a payment delivery date without notifying me and was told that this type of problem needs to escalated to level 2 support. When I asked to speak to Level 2, I was told they don't talk to customers and “they will review your request and if BB&T was in error your $35 will be refunded in 5-10 business days”. I got what they call a service request # and the name of the person I spoke to. I then waited about 5 minutes, called back and told them I had a service request # and wanted to speak to a supervisor. Of course I was told there were none available and so I said I will wait on the line until one is. ALLWAYS DO THIS AND GET THE NAME OF THE PERSON YOU ARE SPEAKING TO. My wife used to work for a call center and they cannot hang up on you or it reflects poorly on their ratings and ties up their line. In about 3 minutes a supervisor came on and said she had reviewed my complaint, it was without basis and I was not due a refund. When I told her that I refused to accept that answer and again explained the sequence of events she agreed and I saw the refund appear as pending on my account as we spoke. I could go on and on with examples like this in less than a 6 week period but let me finish with a few quick things. BILL PAY; use at your own risk. They canceled payments I had scheduled because I didn't have funds in the account on the day the paper check was supposed to be mailed and did not notify me. This is because they deduct the money from your account the day the payment is to be mailed, even though it is not scheduled to be delivered until a week later. When I called and asked how they could do this this, a paper check should not be honored until it it presented I was told “that's just the way we do it”. CUSTOMER SERVICE; calling them to get your money back after you have been unfairly charged fees? You'll be charged if you contact them more than 2 times a month, even if it's their fault. The final time I called them was today to complain about the $2 charge that had just appeared on my account even though ever single call I made to Phone24 was to dispute fees that we never should have been charged. I informed them they would be losing our business and direct deposits because I had never experienced a less customer friendly bank in over 40 years. When I asked if I would charged $2 for the call she graciously said she would waive the charge (but she lied). The next day a $2 refund did show on our account and then the next day a $2 charge was debited for the call I made to get our first $2 back. CASH DEPOSITS (Made inside the bank with a teller); were shown as a “pending” transaction for 5 days and I have no idea if we had actually tried to pay a bill which would needed to use any of this “pending” cash if it would of resulted in an overdraft fee or just been declined.
Bottom line; if you're very wealthy and never let your balance drop below several thousands of dollars you may like BB&T, I'm sure they'll treat you very well. If you're an average guy like me living from paycheck to paycheck avoid them like the plague.

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Robs BBT Mission
Rock Hill, US
Apr 29, 2010 6:47 pm EDT

Da Banker,

I am one closing my account with BBT too after we have had multiple accounts with them for over 4 years. There are banks and credit unions out there that post deposits first (the day you make them in full), and take the larger amounts first. My wife had to have car repairs done on a Friday afternoon. I took money to the bank first thing Monday morning. Then I find out about BBT only really credits $100 of your deposit the day you make it. It shows on the online banking it credited the day you made it but only the first $100 counts for that day, and then they pay the higher amounts first and then the lower amounts. $350 NSF then I make a cash deposit as the teller tells me it will be credited in full that day. NOPE! Your debits come out first then the deposit is credited. This is there way of making more money and they do not care. They came up with every excuse possable. Would even state one thing that would be the reverse of the previous conversation and then say they never stated that.

People there are other options out there that are not the same policies of BBT. In the mean time I am switching to one of these others and joining the class action suit, posting on all boards, contacting individuals in the govt, local media, etc

If anyone is smart they will not bank with BBT as emergency items do come up.

The way I look at is if I can keep multiple customers away from BBT so they will not burned the same way then that is less money in BBT's pocket.

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Da Banker
, US
Apr 07, 2010 8:56 am EDT

You all absolutely kill me with this stuff. I am willing to bet that none of you all read the Bank Services Agreement you get when you open an account. It clearly lays out the posting order of deposits and withdrawals. I am assuming that all of you can read. I have worked for 5 different banks in my career and all of them have the same posting procedures. I have to deal with this stuff every day and 9 out of 10 times it is the persons fault who spent the money not the bank. You sign your name, therefore you sign a binding contract. This doesn't just go for BB&T. It is the same at Chase, PNC, Bank of America, and so on. The main thing is, IF YOU DON'T HAVE THE MONEY IN THE ACCOUNT DON'T SPEND IT. Also have you ever heard of Overdraft Protection?

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Helpusall
Winder, US
Feb 11, 2010 8:23 am EST

BB&T has charged me over $1005 dollars this year. I recieved $375.00 back only because I was going to withdraw all our accounts from them. I have direct deposit of my check, which is put into the bank at midnight. Any checks, atm's, etc are taken out of my account before they post my deposit. They also go from the largest debit to smallest so they can charge these outragest amounts.
It use to be Banks were someone you could do business with and count on...Now they are out to get as many of us as they can. Because of their practices...we get bad credit ratings.
I deposit a check from one account into another account from BB&T. I told the teller, I needed the check cashed and then put into the other account as cash. She felled to do this and I was charged over $475.oo. When I contacted BB&T they told me they would check into it. They called me back and told me, the teller was not informed that was what I wanted to do...HELLO who was making the deposit and it was my check from this bank?!
babysmom46

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AE7
Somewhere, US
Jan 31, 2010 11:46 am EST

You need to talk to these guys.

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

I fully agree with you. BB&T is out of control. I got messed over because of their unethical policies.

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3Chrissy3
Charlottesville, US
Jan 20, 2010 7:54 am EST

I've been a customer of BB&T's for over 25 years. I MUST be an imbecile.

I'm sitting here this AM fuming about NSF fees charged to my account on charges I made via my check-card over the weekend. This, after having made a $500 C A S H deposit Friday afternoon. Furthermore, I processed each my subsequent check-card charges as 'credit' rather than 'debit'.

Let me say that I am MORE than willing to forego NSF fees when it's my fault...even if it's barely my fault...I'm happy that BB&T covers me in these situations, paying my payee in good faith of future deposits/deposit posting. But when they turn against they turn against me by manipulating my deposit(s) vs debits, using methods that are clearly illogical & obviously a technological manipulation done by them in their favor - especially when it's around a C A S H deposit I made before I made any check-card charges - it's downright criminal. Yet I have so little power in making any 'corrections' with them. They are extremely illogical & inflexible & show absolutely no concern for their customer's overall satisfaction with their banking practices or for any personal circumstances that may surround a customer's reason for even bothering to try and turn an unreasonable situation into a reasonable one. It simply does not concern them in the least.

The latest NSF fees for us total $140...for four CREDIT charges on my check-card totalling $47...over a weekend, (a HOLIDAY weekend at that, banks being closed Monday)...all the while sitting on my C A S H deposit made the previous Friday afternoon.

Let me point out that C A S H deposits are "available immediately". This is further confirmed by BB&T tellers almost every time I make a cash deposit, telling me flat out that "your cash deposit amount is available immediately".
SOOOOO, why then am I being charged NSF fees by BB&T who is - at the very same instant - sitting on my $500 cash...that's "available now"?
Only BB&T knows the answer to that.

BB&T has raped me for the last time. I'm out.

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Cindyb73
Glen Allen, US
Jan 19, 2010 4:10 pm EST

I agree and i did file with a class action lawyer Here is my post and also the lawyers info: http://www.lieffcabraser.com/consumer/bbt.htm

I just wanted to advise everyone to do this. BB&T really needs to change the policies they have. I have been told it was because they would get bad checks and not know until the money was out, however because of that then that is the reason they charge someone all of these fees. They always hit debt before credit so even if it is your fault you are negative you can not deposit to catch it because everything that is pending will get a fee. They say they pay the biggest amount first for the customer because of home and car payments etc. However they REALLY do it so they can get more fees. If they had taken the smaller charges first, I would have gotten one fee I got 7 because of them! They need to be sued. Here was my letter to the lawyer! Please send your story to and hopefully we can change it!

I am a customer of BB&T and they have charged me unjust fees in the past however this recent incident was the last straw:

I am currently in Bankruptcy and they are aware of this. I had a medical bill company try to garnish my account. I let the bank know as soon as I was aware and was told that it was a mistake and would be released. It was released, however because they took $700.00 the day after Christmas on hold then my other checks out bounced. They charged me $560.00 in FEES and even charged another 200 in fees the same night I made a deposit of 2900.00! They take the biggest check or purchase and put it through then the little ones so they will have more fees. They should have only had 1 fee and there were 7. They also deposit debt before credits so if you make a deposit to cover yourself you are still screwed. They advised me that they could not refund any of the fees because they have helped me in the past. I have had this account for 15 years. Not right and they should be sued!

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oh my word
Charleston, US
Dec 15, 2009 7:08 pm EST

bband t is a rip off. We have decided to close our accounts due to the same problems as in previous posts. I agree it will take a class action suit to evoke real change. The Customer Service rep actually explained to me today that I agreed to having my highest transactions debited first when I opened my account and that I deserved to pay the 5 overdraft fees that occured. I deposited 321 dollars and made 5 transactions all under 35 dollars. then MY fault I forgot about my automatic Credit Card Payment of 328 dollars. So instead of 1 INF fee I got 5 because the 328 was the highest. I asked the CS rep if I could have a copy of the agreement I signed when I opened the account in1967. She said it did count anymore. So when I repeated her previous excuse that she said I agreed to this policy she referred me to the President of the bank and disconnected the call.

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Truist Bank (formerly BB&T Bank) Business thiefs

If you have lots of money that you want to have stolen,
Open an account with bb&t bank on peppers ferry rd in christiansburg, va.

I made that mistake. I am a single 57 year old white male
That lives from payday to payday, with direct deposit
And a user of on - line bill pay. God forbid, your account gets hacked, and you have to deal with the manager and tellers and / or so called fraud department. All of them in my opinion, are people that can't get a job any where else, so, they become bank employees. (Do you really want people of that caliber intrusted with your money?)

Most of them seem to have about an iq of. 5 and a 6 grade education. They are in my opinion, legal business thiefs even when proven wrong. If you discover moneys missing from your account and can prove its their mistake, they first tell you "oh, you should'nt use on - line banking its no good" or "my computer tells me. . . !. (Why the hell do they have a web site, and do they not bring your account up online, on their computers when you go to them in person with a problem?) oh! I forgot, their computers are different than their customers computers. I think they have a true world wide web. Our
Www internet is not to be trusted!

I would love to sue bb&t and several of the employees personally (Like i was told by connie "well, do what you have to do, thats fine ") , but like most working class citizens, it takes several thousands of dollars to do so. They know that and thats why they become bank employees so they can get rich from their customers. I heard that at least they don't discriminate against disabled children, they take their money too!

I grew up with one of the ladies named connie at the
Peppers ferry branch, know her family, but never knew, in my opinion, she was a professional business thief. A couple of the other tellers are so - called church goers, but only go on sunday morning, to ask forgivness for stealing and lying to / from people durning the week. The manager. . . Oh well,
I think he once drove a trash truck for the town of christiansburg. Thats how he learned to treat customers like trash under his feet.

Mistakes that i make, that causes overdraft fees are
To be expected. But for a bank that clams 'client protection", "customer service", and "fraud protection", the only claim i see is fraud protection. That department protects bb&t to commit fraud to customers.

In todays struggling economy with our goverment handing out billions of our hard earned money to thieving banks like bb&t is the biggest let - down and dis - grace in my life time!Banks like bb&t have the best of both worlds,. . . Our money through thieving from deposits and our money given to them by our goverment!

Better wake up america and go back to the ways of our
Grandparents, keep your money in mason jars, and let your loaded gun be your "client protection, "customer service", "and fraud protection department. And if you really want to see the real side of people you know and grew up with, open up an account at their bank, if they are low life employees of bb&t!

Warning to current and prospective clients of bb&t. . .
Take your money out of bb&t immediately and close your account before you lose it. Prospective clients. . Don't even think about it!

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kbmo3
22407, US
Jul 14, 2010 7:07 am EDT
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They actually TOLD me they were NOT regulated by anyone and when I said I would contact the FDIC, the customer rep said "They do not govern us" OMFG scammers! They charged me $30 bucks for an overdraft THEY caused, I don't even know if that's legal?

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StNickolais
Knoxville, US
Apr 29, 2010 7:18 am EDT
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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

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melindap
Fredericksburg, US
Feb 01, 2010 1:47 am EST

You are right on target with this bank. They unjustly charged me $210.00 in fees for a $1.06 debit when I had the funds to cover it and the two there after.

When I went to dispute it the cs rep typed a few things in the computer and said oh they denied the return of your fees. ( I have never had fees assesed to my acount before) I said I want to dispute it further, she said that well I can ask my branch manager but if she denies it we will have to send the request to the head manager and she always denies the return of fees the she close's the customers account.calling it account abuse...OMG, if you stand up for your rights to be treated fairly as a customer you run the risk of them randomly closing your account and risking the loss of all of your funds that you have in that bank.

This sounds so fraudulent. I have been doing some research and I have found out that bank fees are on the rise because of the new laws that are being put in place to protect consumers will generate less revenue for the banks so the banks are uping the anti in order to get a head start on the decline in revenue ( fees) that they are about to face. They need to go jail just like any other common criminal on the street that robs you!

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Truist Bank (formerly BB&T Bank) Overdraft fees!

BB&T and the overdraft fees that are charged are unbelievable! I made mistake, and yes overdrew my account a few dollars earlier this week...unaware of it I used my debit card several times for small purchases, eardrops for my son, a loaf of bread and a bag of chips, $10 in gas, etc...by the time I became aware of what had happened I had 7 overdraft fees charged to my account for a total of $245. Yes, I made a mistake but why wasn't my debit card declined? Why wasn't there some safeguard in place? I asked the relationship banker why after my account was in the negative on Monday, I was able to use my debit card on Tuesday, and Wednesday...she stated that the card is not declined as a "courtesy"...a courtesy..to who...it certainly was not to me! I asked if there was a way to reverse a few of the 7 fees charged, and was told "there's nothing I can do." On top of everything else...if the account was not brought to a zero balance by Sunday...there would be a $30 fee added to the account! Unfreakingbelievable! My father loaned me the money to zero the account.I closed my checking account, and my children's savings accounts! They lost not 1 but 3 customers due to their "courteous" behavior. There is no reason for a bank to be so GREEDY!

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David Benson
Washington, US
Jul 07, 2009 12:46 pm EDT

Anyone interested in participating in a class action suit against BB&T please contact me.

David Benson
snags6@yahoo.com

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crc
Cleveland, US
Apr 06, 2009 12:14 pm EDT

I agree 100%. I used my debit card for an online transaction. BB&T charged me .50 cents and because I only had the exact amount of the transaction I made I was not aware that I had gone over .50 cents. I now have an $85.00 overdraft fee because this happened twice and they charged me the $30.00 one week fee for not paying the over draft fee before the weeks was up. They said they could credit me $17.00 as a curtisy. Why can they not just credit me a $1.00 so I would not have had any overdraft fees?!

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Truist Bank (formerly BB&T Bank) Unauthorized transfer and major loan problems

The bank uses "cross collateralization" for their loans. If you default on one loan or one comes due and they foreclose,
they will take all the collateral you have put up on any other loans. They used the property description for the
original real estate we bought as collateral rather than what we actually owned. They ended up with liens
against our neighbors' properties! Our attorney discovered all this when she looked at our paperwork.
When we met with them, they gave us a worksheet which was the basis from which they were advising us. Our
attorney told us even that was incorrect. She has been able to get it straightened out but it has been a nightmare dealing with them.
Literally, a nightmare. ( I had a heart attack in the middle of all this. I am sure it was from all the stress
as they threatened to take our home even though we had not defaulted on any loans.)

In a separate incident, they took money out of 1 account to put in an overdrawn account we shared with someone else.
That transaction was unauthorized.

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BG77
, US
Jun 02, 2010 2:31 pm EDT

"In a separate incident, they took money out of 1 account to put in an overdrawn account we shared with someone else."

That is "right of offset." Think about it, if someone owed you money and you know they had it elsewhere wouldn't you try to get it? Especially if the other money was also in your posession?

ALL banks have that right. Anyone whose name is on an overdrawn account has their other accounts (with that bank) subject to right of offset. Even if you "share" that account with someone else, if YOU have other money and they (the "someone else") don't, they can take what's in your other accounts to make it right.

Had they not, you could have been reported to Chexsystems for not paying the overdraw, which is probably worse for you than them debiting your account.

Truist Bank (formerly BB&T Bank) In-depth Review

Overview: Truist Bank, formerly known as BB&T Bank, is a well-established financial institution with a rich history and a wide range of services. With a strong presence in the banking industry, Truist Bank offers a comprehensive suite of products and solutions to meet the needs of individuals and businesses.

Financial Stability: Truist Bank boasts a solid financial stability and performance. The bank's assets, liabilities, and capital adequacy are carefully managed, ensuring a secure and reliable banking experience for customers. Additionally, Truist Bank holds favorable credit ratings and maintains strong financial indicators, further reinforcing its stability in the market.

Branch Network: Truist Bank has an extensive branch network that spans across various regions, providing convenient access to banking services. With branches strategically located, customers can easily find a branch nearby to fulfill their banking needs. The bank's ATM network is also well-developed, offering widespread accessibility for cash withdrawals and other transactions.

Online and Mobile Banking: Truist Bank's online banking platform is user-friendly and intuitive, allowing customers to manage their accounts with ease. The interface is designed for seamless navigation, enabling users to perform tasks such as bill payment, fund transfers, and account management effortlessly. The bank's mobile banking app further enhances convenience, offering a range of functionalities for banking on the go.

Customer Service: Truist Bank prioritizes customer service and strives to deliver exceptional support. Customers can reach out to the bank through various channels, including phone, email, and live chat, ensuring prompt assistance. The bank's response times are commendable, and customer issues are resolved efficiently. High levels of customer satisfaction and positive feedback reflect the bank's commitment to providing excellent service.

Products and Services: Truist Bank offers a comprehensive range of products and services to cater to diverse financial needs. From checking accounts to savings accounts, loans, and credit cards, customers can find suitable options. The bank's interest rates and fees are competitive, ensuring value for money. Additionally, Truist Bank provides additional services such as investment options, insurance, and wealth management, offering comprehensive financial solutions.

Security and Privacy: Truist Bank prioritizes the security and privacy of customer information. The bank implements robust security measures, including encryption protocols and authentication methods, to safeguard sensitive data. Privacy policies and data protection practices are carefully adhered to, ensuring customer information remains confidential and secure.

Community Involvement: Truist Bank actively engages in community initiatives and philanthropy, demonstrating its commitment to social responsibility. The bank's corporate social responsibility efforts and sustainability practices contribute to the betterment of society. Truist Bank also forms partnerships with local organizations and supports community development programs, making a positive impact on the communities it serves.

Accessibility and Inclusivity: Truist Bank strives to be accessible and inclusive to all individuals. The bank offers accessibility features for individuals with disabilities, ensuring equal access to banking services. Accommodations for non-English speakers are also provided, promoting inclusivity. Truist Bank is committed to fostering diversity within its workforce and customer base, creating an inclusive environment for all.

Overall Rating and Conclusion: Truist Bank, formerly BB&T Bank, is a reputable financial institution that excels in various aspects. With a strong financial stability, extensive branch network, user-friendly online and mobile banking platforms, excellent customer service, and a wide range of products and services, Truist Bank is a reliable choice for individuals and businesses. The bank's commitment to security, community involvement, accessibility, and inclusivity further enhances its appeal. Overall, Truist Bank receives a high rating for its comprehensive offerings and customer-centric approach, making it a recommended choice for potential customers.

How to file a complaint about Truist Bank (formerly BB&T Bank)?

1. Log in or create an account: Ensure you are logged into your ComplaintsBoard.com account. If you do not have an account, please register by providing the required information in the sign-up form.

2. Navigating to the complaint form: Once logged in, locate the 'File a Complaint' button situated at the top right corner of the website and click on it to access the complaint form.

3. Writing the title: In the 'Complaint Title' field, briefly summarize the main issue you have encountered with Truist Bank. Make it concise yet descriptive enough to convey the essence of your complaint.

4. Detailing the experience: In the complaint description, provide a detailed account of your experience with Truist Bank. Mention specific key areas such as customer service interactions, problems with account access, unexpected fees or charges, issues with loan or mortgage applications, delays in transactions, or any other relevant incidents. Include details of any transactions, clearly stating dates, amounts, and the nature of the transaction. Describe the issue in detail, including what you expected to happen versus what actually occurred. If you attempted to resolve the issue with the bank, outline the steps you took and the responses you received. Explain how this issue has personally affected you, whether it's financial loss, stress, or inconvenience.

5. Attaching supporting documents: Attach any relevant documents that support your complaint, such as correspondence with the bank, statements, or receipts. Be cautious not to include sensitive personal information like social security numbers or full account numbers that could compromise your security.

6. Filling optional fields: Use the 'Claimed Loss' field to quantify any financial losses you have incurred as a result of the issue with Truist Bank. In the 'Desired Outcome' field, clearly state the resolution you are seeking, whether it's a refund, apology, or any other specific action from the bank.

7. Review before submission: Carefully review your complaint for clarity, accuracy, and completeness. Ensure that all the information provided is correct and that your narrative is easy to understand.

8. Submission process: After reviewing your complaint, click the 'Submit' button to officially file your complaint on ComplaintsBoard.com.

9. Post-Submission Actions: Stay active on ComplaintsBoard.com to monitor any updates or responses to your complaint. Check your account regularly to see if the company has responded or if other users have commented on your complaint.

Frequently asked questions (FAQ) about Truist Bank (formerly BB&T Bank)

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Is Truist Bank a legitimate financial institution?

Yes, Truist Bank is a legitimate financial institution, formed by the merger of BB&T and SunTrust Banks.

Can I trust Truist Bank with my financial information and deposits?

Truist Bank, like all reputable banks, is expected to follow stringent data security measures and federal regulations to safeguard your information and deposits.

Are the banking services provided by Truist Bank reliable?

As a major financial institution, Truist Bank provides a broad range of reliable banking services.

Has Truist Bank ever been involved in a scam?

While scams can target customers of any bank, it's crucial to use official channels when interacting with Truist Bank to avoid potential scams.

How responsive is Truist Bank's customer service?

Customer reviews and the bank's commitment to service can provide insight into the responsiveness of their customer service.

Are the charges and fees for Truist Bank's services fair and transparent?

Charges and fees should be outlined clearly by the bank. Make sure to review these details when opening an account or using their services.

Are Truist Bank's online and mobile banking platforms secure?

Truist Bank should employ secure technology for its online and mobile banking platforms, ensuring the safe transaction and personal data protection.

Does Truist Bank have a positive reputation in the banking industry?

You can assess the bank's reputation by looking at reviews, ratings, and commentary in the banking industry.

Does Truist Bank handle transactions and transfers efficiently?

As a reputable bank, Truist Bank should provide efficient and reliable transaction and transfer services.

Is Truist Bank FDIC insured?

Yes, Truist Bank is a member of the FDIC, which means deposits are insured up to the maximum amount allowed by law.

Does Truist Bank offer competitive interest rates on its accounts?

Interest rates vary and should be compared with other banks to ensure competitiveness.

Are there any hidden charges when using Truist Bank's services?

All charges should be transparently disclosed by the bank. Make sure to read all terms and conditions or consult with a bank representative.

Are Truist Bank's financial products, like loans and credit cards, reliable?

Truist Bank offers a variety of financial products which, as part of their service, should be reliable. Always read the terms before signing up for any financial product.

How easy is it to open an account with Truist Bank?

Opening an account should be a straightforward process, with guidance available from bank representatives if needed.

Has Truist Bank been involved in any controversies or lawsuits?

It's advisable to research recent news articles or reports for the latest information about the bank's involvement in any controversies or lawsuits.

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Contact Truist Bank (formerly BB&T Bank) customer service

Phone numbers

+1 (800) 226-5228 +1 (910) 914-8250 More phone numbers

Website

www.bbt.com

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