Truist Bank (formerly BB&T Bank)
Reviews and Complaints

Their accounting practices are fraudulent and designed to create maximum fees. Had pending direct deposit, showed as available, yet they charged a series of automatic bill payments a day later and still charged overdraft fees! So they held the deposit (regular payroll deposit) 48 hours in order to send through the bill payments a day later. The Local manger was almost completely useless. 800 # customer service reps worse than useless. This happened 3 times! This is an evil bank! Avoid!

I used to be the biggest fan of TD Bank. Opened my account with them 10 years ago or so! Got all my family to transfer money there and recommended it to everybody. Commerce WAS the best and the most convenient bank. Never had Any problems with them and WAS in love with their customer service. That was back then, good old times lol. When it became TD, - I did some research and it looked like it was going to get better. TD was one of very few banks which pulled their investments out of all mortgage mess that country going through, -oh god was I wrong. All started with overdraft fee of $35. They repeatedly lie to me that they send new rules & regulations out to me and I will get it any day. I canceled my overdraft protection back in 2001(it’s a checking account not a credit card is my philosophy), but the very first month they introduced $35 overdraft fee, they let through 9 bogus internet transactions in the raw to go through and charged me $35 each time (looks like bankers and hackers working together now), not to mention that in 10 previous years I used my card 5 times ( if that) over internet and supposedly I had some anti theft protection from TD ( I know that because most of the times I travel from NJ to Fl I had to call them to get gas, - it wasn’t going through), but if they making money all protection goes to hell I guess! I asked them why I have an overdraft protection when I canceled it long time ago, their rep told me, that as I favor they gave it to me so my mortgage payment check wouldn’t bounce! What a BS ! So they made a note on my account in front of me not to let any payments through unless there is money in there! Then, just to make sure I went to different branch, and the confirmed that the note was made. Guess what, month later I was negative $1.99 because of some internet transaction again. Of course that famous computer glitch took my $850 deposit, for some miracle I didn’t throw away receipt ( they should have advice people that week to keep their receipts and say we have a problem not “ out computers temporary off line”). On top of that, for 1 year and 3 months I couldn’t get my statements send out to me. I called and requested it 8 times over the phone, and 4 times in person in 4 different branches-NOTHING. All that coasted me tons of time, money orders (while they investigate), and most important millions of nerve cells. But the last drop in the cup was when my mother receive her statement last month, she noticed $3000.00 deposit through branches ATM(which wasn’t made by her), then two days later $3000.00 withdraw(which wasn’t made by her). When she called, rep told her that one of her family members must of got a hold of her bank card….! When she said its just her and a cat, TD rep got angry and told her to call police if she wishes ( I wish she did), when she got supervisor on the phone, she told her that as a favor they can try to investigate…….

I don’t see that most convenient BS commercial any more, I guess even TD bank themselves don’t have the balls to say it!

P.S. Closed all my accounts there, refinance my car with some one else. I don’t know if TD Ameritrade rep will talk me into staying with them. Capital One looks pretty well as a bank, just compare their interest rate for checking TD Bank-0.25% Capital One-1.3%
Wow, what a differents.

Somewhere from the purchase order date to invoice date BBT alleged I had a negative balance. In the middle of the night BB&T hit me with 35 dollar overdraft item fees per transaction then told me I had a negative balance several days ago?. MY records show I did NOT have a negative balance and I made 2 deposits within the week which in turn should of prevented the overdraft fees and so called negative balance?

BBT REAL TIME ONLINE CHECKING HAS A MAJOR DELAY BUILT IN FROM THE PURCHASE ORDER DATE TO THE INVOICE DATE. THE DELAY IN THE REAL TIME PURCHASE ORDER TO INVOICE DAILY BALANCE OPENS AN OPPORTUNITY FOR THE BBT CROOKS TO HIT CUSTOMERS WITH EXTRA FEES IN THE MIDDLE OF THE NIGHT..! I AM FORCED TO PRINT OUT MY ACCOUNT BALANCE EACH DAY TO KEEP TRACK OF BBT THEFT!...Hmmmmmmm.

Hello all,

I recently became fed up with these embezzlers. I have been banking with BB&T for over 4 years now. I have the student free checking, and in lieu of charging a monthly account fee, they transfer money from checking to savings. $25 dollars on the fifth of each month.

My account was running a little low, the lowest it had been in months. I hadn't overdrafted in about 3 months or so. I had also been keeping a dilligent register so BB&T could not screw me.

Well...on the 5th, I bought $20 in gas. The transfer also happens on the 5th. Neither one of these transactions posted until the 8th, which was a monday if I'm not mistaken. Because of this, BB&T deliberately chose to credit the $25 dollar transfer BEFORE my $20 dollar gas purchase, causing me to overdraft 3 times total, for $105.

If this transfer had not occurred at all (if there aren't sufficient funds, the transfer won't happen), then I would have still been in the green.

Simply put, I never went over my funds, so it is technically and literally impossible for me to have overdrafted. My register proves this. Any way this is cut, they come out looking like crooks.

I can personally attest to this companys dishonesty. Withholding information is far too commonplace.

90% of all overdraft fees hit the poorest 10% of all bank account holders. What does that tell you?

Sincerely,

Hunter M Barker

I recently incurred two overdraft charges on my checking account at bbt. I deposited a check and was told that $100 would immediately be credit to my account, when it actually didn't go through until the next day. As a result, instead of the $144 I should have had, I only had about $70. Then, over the weekend, I made purchases, assuming I had my full check, not half of it. My account again overdrafted, resulting in a balance of -$276. I went into my local branch and attempted to resolve this, informing them of what the teller had told me when I deposited my check. I even asked them to simply adjust that overdraft, then if the second would have still occurred, that I would resolve it. They refused, saying that it wasn't their fault. Then, I receive a notice saying that after 7 days a $30 charge would be placed on my account, a notice I received 4 days after the charge was applied. I am currently unemployed and have no steady income of any kind. I like this resolve in some way that I can close my account, even if it means a $0 balance in my account. I will no longer do business with bbt and will strongly discourage anyone I know to use them.

I have not used my account in more than two years. I keep it open in case I got a job that required direct deposit. As of December 1, 2009 I had $0.56 in my account. Yesterday, I received a letter saying that my account was negative $35.44 which shocked me. I call my local branch and asked why I was overdrawn when I hadn't even used this account. She informed me that during the months of Dec and Jan when I called the customer service number on the back of my card and ACTUALLY talked a representative they charged be $2.00 PER phone call. They charged me $6.00 total in fees for the phone calls and THEN charges me $30 for an overdraft fee. I told her that this was complete ###. What kind of company charges their customers to speak to a live person through customer service!?!?! They told me that the overdraft fee might be waived but the phone fees I will have to pay. Yeah, Right. Sorry, this girl don't play nice when things like this happens. I am NOT paying ANYTHING to them because I feel what they did and do everyday is wrong. I will going to my local branch tomorrow and closing my account. PERIOD.

Last week I noticed a large withdrawal from my BB&Taccount. When I inquired about this with the bank they told me that it was recovery money from an account in 2004. When I called they referred me to another number which I called and they told me it was from an account in 2004 that I had with my son. I asked why I was not contacted in some manner (phone, letter, etc) and they said they had contaced my son in 2005. The money they took was $236.00. I am 73 years old, I unfortunately have to live on my Social Security check due to a failed investment. I have had a couple of times NSF which of course they charged me for that. If I'm guilty I am guilty but there is no excuse for them sending the check back, charging the NSF immediately and then maybe 3 or 4 days letter they send you a post card telling you about their actions. If I didn't do online banking I would have not known about the NSF or the illegal withdrawal they just made. That is half of my mortgage payment and that is automatically deducted from my account (my permission of course). If I had not known about their illegal act my mortgage payment would have been sent back. I cannot afford to lose my home, I can't work and now I either pay my electric bill and be behine on my mortgage or pay the mortgage and lose my electricity (no lights, no heat). I cannot believe they did this. My son and his wife had a problem with jobs, etc. so I co-signed for a credit card for my daughter-in-law. It ended up maxed out for over 7, 000 dollars. I took out the present mortgage to help them and also to pay the +7, 000 dollars to BB&T so they wouldn't lose their money. I did the right thing for them so needless to say I'm dumbfounded they would do such a thing. I am going to carry this complaint on with Better Business Bureau and consumer advocate groups. I have absolutely no documentation regarding this incident from BB&T, just a big surprise. Wonder which employee has my money in their pocket? I know feel that my money is no longer safe in BB&T if they can just take you money when they want without even letting you know.

If you do not what control, of your own money bank at bb& t, they charge 2. 00, to talk to them, 2. 00 to use your atm card, they are theief, and yes yes yes, they will srcew any and ever way possiable, they pure out ole suck$

It’s time to return TD bank back to Canada. Today started out as a proud parent of two young girls when I brought some of their Girl Scout Cookies to sell at my office. Returning home I told my girls that I sold 4 boxes of cookies at work. They were so happy over 15 dollars they ask me to deposit the 15$ into their nonprofit checking account at TD bank in Chalfont pa. Good day so far. Looking for a deposit slip my wife told me that TD started charging the Girls of America 25$ a month fees for their account. The only started few months ago. These poor girls are working so hard for some arts and crafts. I think this wrong and TD bank should reimburse these fees. It’s Ironic that a Canadian bank charging the girls scouts of America for a small checking account. Go back to Canada.

BB&T has the worst overdraft policy of any bank. It is criminal to charge a customer $35.00 per transaction per overdraft occurrence. And it's not even a real transaction as shown by BB&T's online banking interface.

There are two amounts in the online interface, current balance and available balance. I have some dirty comments about the current balance, it's a device to throw the average consumer off of their actual balance. This amounts to be a petty scam by BB&T's evil empire of banks in the eastern US.

Here's my story:
I am a college student(Software Engineering and Computer Science, thank you!), I went to pay my tuition and fees, and buy books at my university. I spent $124 on tuition/fees, as I have some nice scholarships, and I spent $409 on books. I had just about $500 in my account. I thought I had track of it, and I knew with the way MOST banks work I could bail myself out if I had overdrawn with no consequences. I went over just a bit after those two purchases.

Those two transactions are still lingering in the pending section of the online interface. So that would tell my logic that they have yet to process the payment, and pay that amount to my university. Since they have yet to do so, why would they charge an overdraft fee? Or, why would they charge an overdraft fee on my last 8 transactions that are still shown as pending?

Why would they still charge an overdraft fee after I went to a branch with plenty of money to bail out the account? I was at the bank this morning paying for the overdraft fee and supplying adequate money to get the account back to normal. They stood their ground and did not let me bail the account without applying the $280.00 in overdraft fees. I do not understand this, I am a very regular and honest customer to this bank, and this is the first time anything of this nature has ever happened to me.

I fail to understand two aspects of their policies. One being that they would not let me fix my mistake and push the fees. Number two being that their online banking interface shows pending and posted transactions. It takes BB&T two business days to post a counter deposit, but it did not take them anytime at all to start hitting me with overdraft fees online.

If BB&T fixed their online banking UI to where it did not scam people by splitting things, and inspiring overdraft fees, maybe they would be likable.

I will not go back to BB&T, I will bad mouth them whenever I see their logo, I will not say positive things about them, and I sure will not trust them with money. These guys are con artists who thrive on throwing asinine fees on their customers to make that extra buck.

The representatives at the BB&T branch kept trying to reflect this back on me as a huge mistake. They urged me to keep a ledger, and I told them I did not want one with BB&T's logo--Haha.

I wish to warn others of BB&T's unethical policies, and bad customer relationships. At a local bank, if I had talked it over with the VP of the bank/branch, they would have at least taken my situation into consideration.

Final words: When you do overdraft with BB&T, they will not charge you $35.00 because your account is overdrawn. They will charge you $35.00 for each transaction that they have not processed when you have overdrawn. These are the transactions that show up as "Pending" in your online banking interface. Please be wary of them if you are a current customer, and find a way out. I strongly advise against BB&T. They might be part of the US economy problem.

I have included a picture show others where BB&T will mess you over at. The transactions in the pending section are all subject to a $35.00 overdraft fee on each transaction, this is fatal to your balance, if you slip up and make a small mistake like myself. I tried to bail myself out this morning by adding in a $100.00 deposit, but they persisted with the fees.

We have had all of our business and personal accounts with BB&T. I don’t know what is going on, but they are a curse to anyone trying to survive in these tough economic times.
Issue One: We have a mortgage with them on a house my husband built as a model (he is a contractor). The mortgage is at 8.75% and when the bottom fell out of the housing industry, we contacted them and asked if we could refinance at a lower rate (they were around 4.25%). They said “we don’t do that for business customers”. We attempted to sell (impossible!), found a renter (which left us without a model) and held on hoping things would turn around. We went back to the bank six months ago and they agreed “to take a look at it”, asked for new tax returns, financial statements, etc. We told them we could not continue to make the payments, and talked with their collections department in North Carolina who told us to make payments of $50 per week until they made a decision. Okay – so we did that. They told us to bring the mortgage current and they would refinance; we did which they first applied to “late fees”, then applied to interest, then principal. That, of course, didn’t bring it current because of the “penalty” charges. We kept calling and asking if they had made a decision; they said “we’re looking at it and we’ll get back to you.”
Fast forward to December, 2009. We received a call from our branch manager who left a message on our telephone answering machine stating they were willing to do the refinance BUT would require we pay $25, 000 in penalties, principal and interest before they would do the refinance because it had taken so long. It TOOK SO LONG because BB&T kept stating they were "working on it". What, are they crazy? If I had $25, 000, the mortgage would be current. Yesterday we received a letter from an attorney stating the bank was foreclosing.
If they had refinanced, the rental payment would have covered the mortgage and we would not be faced with bankruptcy. My husband is in his late 60’s, has been in this business his entire life, and has never dealt with such greed and unwillingness to assist a customer.
Issue 2: My husband receives two retirement checks on the last day of the month which are wired into our account. They always show as pending funds on the last day of the month. We pay my health insurance payment with BB&T Bill Pay – the payment is $270.00. On December 31, 2009 the two checks were wire transferred as usual. However, BB&T decided to process the check for $270.00 first (there was $200 in the account) and HOLD his wire transfer until January 4, 2010. They cancelled my health insurance payment stating there were “insufficient funds”. I wrote to them and they confirmed the processed the BillPay at 7:00 instead of midnight, and didn’t process his wire transfer until the 4th of January. I checked our account activity for the prior six months and never ONCE have they held the deposit until the 4th of the following month.
Thank you for having this website – until I stumbled on it, I thought it was just me! Avoid BB&T at all costs!

In these difficult times, where money is always a problem I encountered myself depriving me from things that might well be able to afford them but I can’t because I have to support my daily life(Bills, Rent, Food, etc) … but it CITIZENS BANK with Headquarters in Providence, RI has taken the task of charging People multiples Overdraft fees to bring checking accounts in red balance just before they get a work direct deposit (that’s what been happening to me in the last two months and Sir I can prove it!) when I say swindle I’m not been dramatic they have charge me $78.00 for $2.86 and $7.68 that’s more than 700% more! And is not only me but with many people with whom I normally see at work, train or even on social websites. There anything you can do for us? How can we not suffer this kind of bad business practices? Only two weeks I have been charged an average of $ 300!

I make a normal complain and this are there answer: "Like a Courtesy we are going to return the amount of $78.00 to your checking account and two days later I have $117.00 in overdrafts fees again! with no apparent reason.

Please help!

What is there NOT to complain about at this point? Browse this forum and you will find it all. Just how low will one bank go? BB&T will show you.

My post on this complaints board is at this link:
http://www.complaintsboard.com/bbt-bank-they-will-flat-ruin-you-c152

Here's a link you may find of interest:
www.lieffcabraser.com/consumer/bbt.htm

They are investigating BB&T complaints now. Share your story with them for a class action lawsuit.

With all that BB&T has done for us? We should return the favor don't you think? What's that they say..."Turnabout is fair play"?

Best of luck to us all,
D. Garner

BBT claims to be a hometown small bank. Well they have gotten WAY to big for their pants. They now won't remove overdraft fees even on 5.00 overdraft items which they in turn charge 35.00 per item to the customer unless you have the proper BANKING relationship with them. I.E lots of money in their back earning you 1%! They have become just as greedy as Bank of America and the big banks. How does congress allow these crooks to charge 35.00 for a pack of peanuts and a coke that overdrew your account because some merchant's software screwed up and double debited your checking account? tarp schmarp..lets give the money back to the American citizens and stipulate they use it to pay down debt to these crooks instead of throwing good money out of the door to the the bank thieves themself. Contact your senator about it.

Are BB&T customers aware after 2 calls to customer service within a billing cycle that they charge you $2.00 per call to speak to a customer service rep.? I got one on my statement for a 3rd call to find out why my new debit card had not arrived. I was told that one had not been ordered according to their records. Can you imagine getting charged for following up on a mistake made by the bank itself? The rep had to clear with a supervisor in order to refund the charge.

I am calling local credit unions today to compare charges. BB&T advertises that they are the favorite community bank. That is a very hard promise to live up to especially when the bank employees have attitudes that make it hard to like anything about them.

BBT has been grossly insensitive to the needs of the customers. I have been asking BBT to reduce the 2 digit interest rate on my mortgage for almost 15 months. No one will listen to me. I kept on paying because I want to protect my credit. When my job advised me that my hours will be cut In July 2009, I knew that will pose a problem with keeping up with BBT'S exorbitant interest rate. I knew I am qualified for loan modification. I went to Christy James at the Hwy 85 branch submitted ALL the paperwork required for rate reduction and loan modiification. I did not hear from her again. I called her weekly, she didn't have the decency to return my call. After three months of calling, I was able to reach Christy James. She said, I have 3 addresses on my credit report and that was a concern to her. I told her the address was my mom, my sister and myself. I went to her office with my mother who had originally giving me $27, 000 as down payment for the house 3 years ago, and my sister and myself. All three of us showed her our GA IDs to show that the addresses on my credit report are my mom whose house I used to live and my sisters. And she said BBT prefers houses to go into fore closure than to modify it. Her statement shocked me. Is this the true mindset of BBT. Will BBT use any form of excuse to be taking peples home from them. I told her that I was not willing to walk away from the $27, 000 investment on a $120, 000 home and that all I am asking for is a rate reduction. Interest rate around the country is as low as 4.5 percent, why will BBT insists on 2 digit interest rate at this time and in this hard times. Christy James said she will send this to the underwriter and she will get back with me the following week. I did not hear from her. I kept calling, calling again. Six weeks later, I was able to reach her and she said, loan modification is denied. I said, what do you want me to do, she said I dont know. In my life, I have never seen such iinsensitivity and such un professionalism. I still dont know what to do.

Got slogged $245 in overdraft fees after a check from another bank was deposited!

Total purchases were under $40... Then tried to close the account numerous times and they ignored all requests. They then used all the balance of my account in fees which threw my account into a negative balance... Then to top it off they sent me a letter stating that they were going to charge me another $30 to close the account and that my details would be sent to collections... All this after I had tried sooo many times to close the account!
Anyways I stuck a letter to the worthless manager on their front door stating how I felt and that they were no better than criminals and guess what... I got slapped with a trespass order this morning for all bb&t banks... Ha ha ha!
They really don't like you telling others what they are actually like "criminals"
Anyways now they are refunding the additional fees, closing the accounts and sending me a check for the balance... I had to go through all this to get my account closed... Unbelievable... To see the notes I posted on their front door type in cathryn miller on facebook as I posted them there!

I wanted to take the time to voice my concern with recent service I have recieved. After reviewing my checking account I noticed that I was charged a thirty five dollar return item fee. This was a surprise to me because I was under the impression that if for any reason the funds where not availible in checking that for a seven dollar(which is now ten dollar)fee would be charged and the money would be taken from my savings account. After reviewing both my checking and savings account I saw two previous ten dollar transaction fees charged. That I expected and gladly paid for since I did use the service. There was also enough funds in my savings account to cover all of the transactions that where made. After discovering that a bank error occured I visited a nearby branch to discuss this matter. I was told that the only person that could help me was out to lunch and I could wait about thirty minutes for him to return. I decided it would be best to return later instead of waiting and requested to leave a message for him. When I returned he was assisting another customer so I patiently waited to speak with him. Shortly after another gentleman arrived and was also waiting to speak with him. What made me so upset was that he took a moment to run to copying machine and handed me a print saying here I was able to return eight dollars. I was very insulted because clearly an error had been made and I didn't feel that it was corrected. I asked him why this had happened, and to please explain why I wasn't given a full refund. The response I was given was, " I don't know Sharon is out of the office she can explain it to you tomorrow". Now I found that hard to believe seeing that he was the manager and didn't know. What manager doesn't know? If that where true then how was he able to do the small return in the first place? This was very disturbing to me because not only was I insulted by the amount refunded but I also felt brushed off that he did not take the time to care for my needs as a customer. I sent in a message online to customer service hoping that this issue would be resolved. I have been waiting for three days now with no resolution to this issue and no response why?

We opened a BB&T Student Account two years ago for my son while he is in college. We selected BB&T becuase they specifically offered an account aimed at students. It has an ATM card only, no check book.

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

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

Any potential future customer needs to understand this awful company's approach and take your business where it will be appreciated.

Thanks to this website I am more prepared for the confrontation I will be having at BB&T tomorrow. I opened my accounts in Louisville, KY several years ago and never had a single incident. I have never overdrawn my account (until now in SC). BB&T holds every check I deposit including government checks. They have pulled out checks and left them sitting on the counter. They have charged overdraft fees when their holding of the deposit was the cause. Most recently, I made a deposit written by a local business. As usual, the deposit was held. Then today I pulled up my account and saw that they credited the deposit and PULLED it out again.

I am not a rich person, but I do manage my finances responsibly. These practices are RIDICULOUS and hopefully illegal. I will join any group that is putting together a class action suit. You have my input and support. I do not plan to make another deposit with BB&T just to watch them sit on MY money interest free. I have another deposit to make this week. I intend to take this post to BB&T personally as well as to my NEW bank.

[protected]@yahoo.com