Truist Bank (formerly BB&T Bank)
reviews and complaints

On may 4th-5th I made 5 transactions and had the funds to cover them all. On may 7th I checked my online account everything from the weekend had been paid and funds were there. Sometime later in the day on may 7 my insurance hit my account, which made it negative by that amount only -$245 (mind everything said cleared already). The next day may 8th, I check my account and they had reversed everything that cleared on monday and charged me a $36 dollar fee for everything like I had $0 dollar from the beginning. Crooks! I know for sure everything had cleared monday. Please include me on the lawsuit againt bb&t bank... Melia morris email melia. A. [protected]@gmail.com

We were using the automated system to track our "available" balance, as we were told to do to avoid overdraft fees, which happen when a person only looks at the Daily Posted Balance.
We had 15 charges on 5/7/18, most of them under $8.00, some
as low as $.96. All of the debits were showing as pending or posted. At 7:30 pm, on 5/7, we put $53.00 in gas in the tank, assuming since it was the last debit that we would only be charged for one overdraft. Right before we put gas in the tank, our account still showed in the black ($1 or $2 in account)

The bank intentionally stacked the debits, and we incurred 9
overdraft fees! The supervisor, Stacey, tried to convince me that it was because some of the charges had been delayed, and debits could be delayed for 3 - 5 days. But according to my records, no debits were delayed, but displayed prominently.

They know what they are doing. Banks can make up to 60 percent of their revenue in overdraft fees alone. Over 90% of a bank's overdraft fees are collected against people who make less than $50, 000.00 a year. So don't even dare to suggest to me that they are not well aware of what they are doing, and will continue to do so, as long as they possibly can. Stacey,
the supervisor, obliquely told on BB&T when she told me, "When you knew you were overdrafting the account by putting gas in, that set off a chain reaction that resulted in these charges", thus telling me that essentially I had given them the permission to exact all those charges!

We must all protect ourselves with the tedious task of keeping our own running balance and hope they apply deposits and debits properly! The devil is in the details, because they always have the fine print to fall back on. However, they all know they are acting in bad faith. Some of the complaints on this board are almost unbelievable.

I have called the law firm listed in one complaint, and left a message to call me back if they are pursuing a class action law suit. If there is anything I can do to address the injustices, I intend to leave no stone un-turned.

BB&T employee Deanna Damon violated my privacy by making a remark about FMLA. I filed a Corporate Complaint and she of course lied about the incident.

Then, she made false statements to the Kenton County Police Department stating I called the branch and harassed her. NOT TRUE. I have not contacted that branch since she insulted me. She accessed my personal information without my consent. That is gave officer Benner my wireless number so he could wrongly call me and scream at me for something I had not done. This issue had already been resolved weeks before and the officer knew that and still called me. Why is she still employed there?
She is a liability to the community.

Went through BB&T in 2016 for a mortgage I was up in Tenn selling another one and at their mercy. We were very well qualified and not a tarnish on our credit score. Dealt with Crystal River BB&T in Fl. The loan officer there was not only rude but deceitful and flat out lied. I saved every email every correspondence and conversation. We were given an interest rate of 4% Two weeks before closing which ended up not being on the closing date we were assured of he calls and said the house was too unique and he was putting us in a portfolio loan at 4.5% and then declared I don't have to give you this loan. At that point we were not advised even by our realtor that we could have changed banks and were approved at another bank with a rate of 3.75%The closing agent was appalled at what was going on and advised us to go to corporate. I'm sure you know what that did. Recently we received a check from BB&T for almost 1,700$ 1,545 for mistakes in the closing statement and 150.00 for the problems. Really we had to immediately refinance with the other bank and incurred closing costs again to get away from them. The assistant couldn't even read the closing statement and what they wanted to charge us in flood ins. was astronomical so I sought out my own homeowners and flood ins. at a quarter of the cost. This was the worst experience I have ever had with a bank and wouldn't let my dog open any kind of account there. Beware of their banking practices and do not use them for anything.

I always incur fees and I'm not suppose to at all my available balance is never correct to them and their math is always correct let them tell it but you can't go by your account how does that work? I got another fee after having a balance if almost $100 on yesterday and making debits of $46 how did I incur a fee! I was told a bill was paid of $500 + but how did that happen if my account isn't overdrawn by $500 they are a joke I'll be closing all 5 accounts this week, I have 11 accounts with other banks, and never had this issue.

We accrued 16 overdraft charges in two weeks. The customer service agent told me someone had "opted in" to letting all transactions go through regardless of balance. They said it was done online. I am the person in charge of our finances and I never opted in to anything. They refused to refund any overdraft charges. Two OD charges were posted when there was no negative balance for over a week. We have banked with them for 25 years. We are financially stressed and this has caused other things like power and water to be cut off because the $ we would have used to pay that went to OD charges. I took it all the way to Corporate and they could have cared less. Needless to say we are changing banks!

On Friday Feb 23, 2018 I went to the ATM outside the BB&T bank I always go to in Lady Lake Fl. I put my card in and attempted to withdraw 120.00 to pay a plumbing bill. The machine did nothing for almost 5 minutes and then it gave me my card back and said they could not process my transaction. I went inside and tried to make the withdrawl but they said I only had 73.00 left on account. I called the bank and it took the 120. 00 out of my account but I never got the money from machine. I tried contacting customer service but could it was down as well as the website. Tried calling number on card but kept me on hold and I had to work. Got i touch with fraud dept Sat Feb 24 2018, but they said I have to put a claim in and it would take 45 days. I felt this was very unhelpful because it was machine that malfunctioned.

My payroll is direct deposited to BB&T, On 1/19/2018 my deposit was $1559, i was aware of the NEGATIVE balance i had ( i had to do it) the overdradt was -$661, my balance $898.08, i never made and big purchases on 1/23/2018, i recieved an email stating i was in the negative-$343, how is that so I emailed and asked them to look at my account and explain how is that, she responded after my deposit and overdraft was paid my balance was $514, how is this possible? I emailed back with my debits within those 4 days, like i explained there is no way i was in the negative in 4 days. They applied a courtesy $36 refund my balance -$307 and for the next day my balance was back to -343, im sick of this bank cheating their customers, something needs to be done ASAP

WE went through a builder and he recommended this Bank, we were going Va which requires no down payment, by the time we were done, the TILA changed a number of times and the costs were almost 10K in fees, it didnt seems logically to increase that much in a few weeks, my understanding is it cannot increase not more then 1% the MLO who was a complete [censor], would not go go through the costs, it apparently was to much of a bother so as a result, I reached out to a guy we meet at a title company and asked him to look all this over for us just to make sure this was right. The MLO, and builder got pissed when we told him we had this guy look at it and found the some issues and we also now wanted to changed Title companies. Come to find out the MLO and the builder are all closely connected and are also friends with the Title company. The MLO now got irrate with our new Title guy and told him the builder wasnt budging and we woldnt close etc. I filed a complaint to the CFBP and BBT upper management, they were really NO help, just more ohh sorry. I file to see how any of this was not a violation in some way of respa, TILA, Dodd Frank and I do not see how they get away with it Our basic issue was, a contract we had SIGNED was different then what this MLO was use to getting, yet the bank decided they would process that contract as they did every other one with this builder. Only problem was, is we were a VA LOAN and agreed to much different terms and so did the builder but the MLO didnt think it was a big deal because he didnt care. Luckily we and the builder signed and initialed everything so they couldnt dispute it, the builder ended up making good on the contract, the bank just acted like OH WELL.. I think at one point the MLO accused me of doing something intentional (lol) Yeah I got my signature, so not one could screw us and luckly we did. I do not know how the CFBP after hearing this just sends them a note and all is forgotten, I thought thats what they were their for.. Thankx to the new Title company and Attorney we hired we saved 6K dollars. But that didnt replace the few thousand we spent on the attorney to get it remedied. The Bank on the other hand, had they actaully verified OUR contract at the beginning they would have saved us and the builder a lot of time, and energy. I guess I just do not know how they do not get in trouble for this, they gave us one figure at the beginning and days before closing totally increase it to something entirely different then have to readjust it due to their error... Anyone that does business with them is crazy I would tell everyone I meet to stay far away. We have since closed the LOAN but wanted someone to maybe learn from what we have been though..

I've been banking with BB&T since 2006 (the only bank I've ever used) and I STRONGLY RECOMMEND YOU LEAVE IF YOU HAVE AN ACCOUNT WITH THEM. They were awesome at first, not one complaint until 2017. A sociopathic CEO must have taken over because they have become extremely predatory. First of all, transactions do not show up on your account until several days afterwards. In the meantime, they don't reflect on your available balance, so it causes confusion. I admit I could take more care in balancing my "check book, " but this was NEVER an issue with BB&T before. I used to pay a bill, refresh my online banking page, and immediately see the charge there.

The big issue is overdraft fees. Their Overdraft Protection is an absolute joke. First, if your checking account doesn't cover a transaction, they use your savings account to make up the difference. Sounds like a great idea. Very caring of BB&T...NOPE. What they literally never tell you anywhere on their site, is that they charge you $12.50 TO USE YOUR OWN MONEY every time that happens. Second, even though I have it set to decline all transactions if I don't have the money, the fees still keep coming! So all told, every overdraft costs me $48.50. Outrageous. I had a really hard financial year last year, and being hit with over $1000 in fees makes it nearly impossible to recover. I'm leaving and won't look back. Do not consider using them. Because they WILL use you.

Charged since 10/2015 a monthly charge of 9.95 for OLB -they said a quicken/quick book online fee.
I have never used/download etc any software remotely related. Concerned about my account/ fraud/ and restitution means.

It seems I am not the first one. Do they have a breach of security? How do they authorized if they have no information from account holder?

Yes there was a deposit of 1600$ made into my account
I waited 4 days for complete authorization
To get the money
Once it was deposited I went shopping
Then the monies was withdrawn giving me a negative balance plus incurred overdraft fees of 214 and 36$'s
I want the money returned to my account including fees
I talked to my lawyers and we are willing to sue in excess of 1 million dollars
You have 24 hrs to put the money back in my account
Regards
Clarence Steve Wright
Acct number [protected]

I had a posted balance of $113.65. The next day a total of $81.24 charges post to my account and $48.10 credit was pending. This should have left me with a balance of $32.41 posted balance and $48.10 still pending. Instead, they charged $108 in overdraft fees. The next day, My $48.10 deposit posted along with a $55 charge (a legitimate charge). I was then hit with another $72 overdraft fee. They charged me a $36 overdraft fee for my $48 deposit! This is not the first time they have charged me an overdraft fee for a deposit. I called the bank and left a voice mail. Two hours later I called back and the rep answered. She said she had to go to another computer so she could see what was going on and she would call me right back in a minute. After 4 hours and me calling several times leaving messages, she called back. She said she would not discuss the issue but would send me an email. The email explained that they were charging overdraft fees on "Pending" charges and that is their policy. She offered no explanation for the overdraft fee for the deposit. There should have been plenty of available cash in my account to cover all my transactions. The biggest issue is that people like us have no recourse for this action and they know it and take advantage of that. I have filed an official complaint to the Better Business Bureau of Virginia but have no confidence that will go anywhere. I have also sent a letter to corporate and I'm sure they are laughing at it. I sent screenshots of my balance and transactions to the BBB of Virginia.

Ok i used my Debit card on the 29 of Sept where there was supposed to had my money on hold 417.00 to be exact and once I returned the vechile back 200.00 of that deposit would go back to me. So what happend they took my money out of pending status which cause me to be hit with the total of a 144.00 dollars of over draft fees this is un heard of I swear I thought when that money was in pending status that money was already been tooken out put to the side this is unfair I'm not going to stop until I get this problem solve if I have to take this to the President of the Bank I will I want results.

There system is set up to make them money. If you make a mistake. It may cost you several hundred dollars. I look at my account. It is in the negative. Oh no. Four Items pending. So, I run and put in a deposit to cover the 30.00 dollars in mistakes. With their fee and my mistake. 47.00 in the negative. Then I have four pending. Two transactions for 1.00. One for 5.00 at Wendys. One more for 8.00 at a gas station. The deposit was put on hold. Cash deposit. They charged me and my husband 144.00. Plus the one to start with. That thirty dollars cost us 180.00. I call the bank. They send me to manager. She tells me to wait until the last bad charge goes through and she will refund the bad charge money. Speak with her the next day. She tells me that she can't. I ask if I can speak with someone else. She said you can speak with our manager but, she is going to tell you the same thing. She says it is system generated. Nothing that I can do. I tell her that I thought that I was speaking to the manager. She sends me to the managers voicemail. Still no call from the branch manager. In my opinion, that is robbery. People who work regular jobs and live week to week. Do not bank with them! If you make a mistake. It will cost you hundreds. 200.00 isn't a lot to some people but, it is to me. It is a third of my weekly check. All they will do is tell you sorry, tough luck. Keep better track of your money. The system is set up to make them money period. I wonder how many people that this happens to. How much money do they make in overdraft fees. How is it even legal to charge 36.00 for one dollar. It is horrible. Devastating to my family that rely on every dime to pay bills and feed their families. I will be changing banks. I will not allow them to rob me in the future. I guess I will feed my kids air. That is what I can afford now. I see that almost every complaint says they tried to contact to resolve the issue. And couldn't contact the customer. I will make it easy. I just want my money back. Not the first charge. I should be penalized for that. But, the charges made after my cash deposit. Four charges for 36.00 each. I want my money back! [protected]@yahoo.com

I was just recently tricked into switching over from my BB&T Classic Online Banking to BB&T U Online Banking! This new U site is very confusing and that's for reason! I've always kept separate books and they've always matched up with my Classic Online Banking. Woke up this morning and almost $900 dollars was missing from my account. When I found out what it was for...I had deducted those payments from my account almost a week earlier! I'm looking for another bank! Hope to banking with a new bank by next month!

Me: *goes to bank on monday 2 make deposit*hello pls deposit me money in 2 me bank account.
Bb&t: helo, since this check is so large, we will hold some of it until tomorrow (One day), and the rest until a week. :)
Me: *naive* okay :)
[next day]
Me: *writes a check bc I have bills 2 pay*
Bb&t: ummmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmm no no no sweety, u don't have money. *charges me $40 for insufficient funds/bounced check*
Me: ummmm wtf, yall telled me I were gonna have these funds today..
Bb&t: um acctually sweety,...:)... Wen we say one day, we acaatually mean two days. :) hee hee, sorry, byt not rlealy, bc now we get 2 steal ur money and u can't do anything about it :) :) :) tee heee:)

I have placed about 10 complaints and no one has called me back. The complaints started on 6.14.2017. There was a wire transfer to my account for $40, 000.00 on 6.13.2017. On 6.14.2017 I called the bank to confirm that the wire was clear. I went to a local branch in Atlanta Georgia Princeton Lake Branch to purchase cashiers check. My fiancee and his business partner have a contract to renovate 22 units. The money was for plank flooring and cabinets. The cashier's checks were to be made out to the cabinet business and also to the person who was going to buy the planl floor. Upon me entering the bank I was not greeted by the teller. She acted as if she was upset to be at work. I filled out my slips amd told her what I needed and who to make it out to. She picks up the phone and calls Jenny Austin. I was told that she works in the audit department. They both start asking me questions like who is the wire coming from, why are they sending you this money, what was I going to buy with the money, what was the name of the buisness, was it my buisness etc. I answered all of the questions even though they were inappropriate questions. She then went back 2 months in my account and asked me why was my fiancee having his checks deposited into my account. I told her that he pays the bills and we only use my this account to pay bills. Once they told me it was against their company policy I told them we didn't know that. There were no more of his paychecks coming through the account anyway. This had nothing to do with the wire withdraw. The teller then lies to me and says she can not release the money because the wire had not cleared. She stated that the wire would not clear until another 24 hours. By this time me and my 7 year old son had been waiting for about 20-25 minutes in line being interrogated. I was pissed. I went in and spoke with a banker since the branch manager was not there. I wanted to know what was going on with my account. Why couldn't I withdraw money to buy the needed supplies to complete the project?He called Jenny rude [censor] Austin. She refused to give me a Eta on when my money would be clear she refused to inform him on how they would contact me. I told them that I waa going to have the sender have his bank to reverse the wire. She stated that she waa going to block the account so they couldn't do so. Jenny made statements stating that I never had that much money in my account and it looked suspicious. What I took from kt waa that since I was black I couldn't have $40, 000.00 in my possession. She was just being [censor]ing rude. I told him that I felt as if they profiled me and thought I was a criminal trying to commit fraud. They never had any intentions on giving me the money. I have filed complaints with Bbb, Fdic, Federal Reserve, and Consumer Affairs.I even filed a complaint with BB&T for discrimination. I spoke with an attorney and he informed me to send a demand letter for payment and any information that I had to prove what the money was for. On 6.20.2017 I along with the wire sender went into the BB&T branch Riverdale Georgia. We both wanted to know what was going on with the money. At this point we were requesting that they send the money back to his bank. She picked up the phone only to find out that Jenny Austin was on vacation. She then spoke with someone else to whom didn't want to help us at all. She informed the unknown female on the phone that I had documentation to prove what the money was for. We submitted a contract, summary bid showing the scope of work, demand notice for thw wire money, w9 form.for the buissness, receipt of wire transfer from Regions, insurnace information for the buisness, and a statement stating what took place on 6.14.2017.
She also let her know that the sender was there whom by the way whom was referred to their bank by my fiancee to open up a business account which by the way he did. She informed the rep that I had spoken with a lawyer. Once the rep heard that she told her to cease all conversation with us. Funny how once you say the word lawyer no one wants to talk. Which was fine because no one was talking to us anyway. No calls were returned at all. She took our information and stated that she was scanning it over. The lady on the phone had the nerve to say how did they know the sender was who he was. This is the same guy that opened up a buissness account amd his buissness ia registered with yhe Secretary of State. This is how you should know. He withdrew his $30, 000.00 out of their bank. Account closed out. She acted as if she was frustrated. No we are frustrated. We took all this documentation and the block was still not removee and bunch of [censor]. We went to Regions bank were the money was sent from. He had his banker email over proof showing he was the owner of the business. Again Bb&T had the same information already. She also sent a request for the $40, 000.00 to be sent back. She tried calling the person whom had gave us her cars but ofcourse she never picked up the phone. Now we wait the tenth day will be Monday 26. We were told by The Federal Reserve that they could only hold the wire for 10 days unless the bank had a VERY GOOD reason to hold it past that time frame. The account has been open since 2015 with no issues. Since we took thay documentation and the account was not unblocked. I feel as if this is personal someone has abused their power. No one has called me back not even from the dicrimination complaint that was filed. My finacee will be closing his business account out today. As soon as this is over my account will be closed out as well. Bb&T has yet to call Regions nor have they called the sender. This is unfair practice and very professional on all levels. You can't juat do what you want to do to people. I have never been arrested nor do I have a criminal background. Don't bank with Bb&T!

When I signed up for constant credit I was told if an overdraft occured in my checking account, $100 would be put in from my constant credit to cover it. Now, they put in barely enough to cover the overdraft and charge 12.50 to do that. I tried to get an answer from them as to when they changed their policy. I got a boilerplate non-answer. They are not the bank we opened our account with 25 years ago and I am really disappointed.
Tried to get a loan on a house I had used for collateral several times in the past. Had to have an appraisal (never had one before) and the appraiser said she could not put any value on the house. It is a 3 br house on a corner lot with hardwood floors, French doors between lr and dr. Two large covered porches and a large yard. No value at all. It is currently rented and always has been. There are no problems except the appraiser could not tell if the roof was slate or metal (?). Asked for the appraisers name-NO! I got absolutely no paperwork from the appraiser or the bank. Asked for another appraisal and was told I would have to pay $700 for it up front. Everything is blamed on "federal regulations". Nope, not the bank it was 10 years ago.

The picture says it all. This bank charged me NSF fees when I have money in my account. When I complained, oh well to bad, 1 free fee reversal per year!

They have my mortgage as well. and it is never NEVER what the payment is suppose to be.

They always are charging random amounts, increasing the house payment sometimes by 500.00 a month, just out of the blue.

I thought Chase bank was bad, oooh no. This bank has to be one of the absolute worst banks in the world.

I blame myself, this is not the first account they have done this to me on. They closed my last account out and had 2 NSF fees on it. AFTER I CLOSED IT!

Then when I was stupid enough to open this account, thinking maybe the new branch would change things, NOPE. Without any warning or notice they withdrew the 75.00 in NSF charges, that were charged off on the old account from 2 years ago, to this new one.

What they are doing is criminal, I hope they are brought to justice soon.