BB&T / taking money without notifying me

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.