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?
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.
I have been trying to work with BB&T for a loan modification since December, 2008. They had offered me a...
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?
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.
BB&T on-line banking software is not accurate and is very misleading. The software BB&T uses on line doe...
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.
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!
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.
I have been banking with BB&T ever since they have taken over my original bank which was First Virginia. I...
I am trying to find out who regulates BB&T. I have tried the Commonwealth of Virginia State Corporation...
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!
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!
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.
One morning I had noticed that the deposit I made at BBT did not appear on my online statement...but the 2nd day hold that they put on the check was there resulting in my avaialble balance being negative! I called the BBT 800 number and told them I thought something was wrong, but the teller was talking the company line about holds, etc... and wasn't even listening to me telling her that I understand the hold, but that the deposit wasn't yet showing on the account as it should be because it was made in the morning the day before. So I called back to get another operator and got the same story. Then I called the branch directly and told them about the problem, they immediately recognized something was wrong and got my contact information to call me back with a resolution. About an hour later I got a call back from a BBT rep saying they are very sorry for the trouble and that the problem was the bank teller that took the deposit did not get her "work" put in that day. They made the money avaialable, etc...
The very next day I check my account and there is a Phone24 charge on my account for $2.00!! This charge is for calling their 800 twice per month apparently. what a joke! Going in there today to get that money refunded and then close the account. Too many issues with BBT. They suck!
My name is Homan Hazrati. I have been calling BBT bank in Springfield, VA in Manchesterlake for the past year regarding different issues. Each time they are telling me that everybody in the bank is busy to talk to me. I have been leaving my name and phone number but nobody never called me. When I called today 03/12/09, again they told me that everybody in the bank is busy. When I asked to talk to the bank manager, they told me that she is in the meeting until 5 PM. I don't know what kind of meeting is that which started at 8AM and is going to finish at 5PM. Anyways, this is what I hear each time I call this bank. I am writing this complain so somebody would pay attention about the performance of this bank which is way below average. Nobody can tell me that this is part of the bank policy.
dear board i am disable due to a bad leg, i am a christan woman and like every body . i went to the bank to consatdate a few bills and they did and gave me a vista card with a 5000 dollar limit. weeks later i received a letter telling me they had pay my bills twice. and it was up to me to get the money back. they said that i had call and said to tranattion which i didnot even know what that ment. i call my crediters and got the money and gave to the bank. i call the bank manger but he would not return my call. come to find out there was three cards in my name. i only reply for one. dont they ask for your ss number. one card came back to the bank. they said they did not where the second came from. and bless patty they send me a fourth card. i am at the end of my road. if i could move my account i would. now they hate to see me come in the bank i am not responable for they mistake . i wish i had somebody to tell my what to do . thank you
BB&T! Add me to the list. I have received over a $1, 000.00 in fees within the span of a few days. I have a spreadsheet showing that I never should have received an overdraft fee and was never overdrawn. Their fee caused the overdraft. I was a business owner for thirty years and know how to balance a banking account. My overdraft fees are now over $1, 000.00. I am still being stonewalled by BB&T. I feel there is a deliberate an error in their computer programming they refuse to recognize.
I thought I was loosing my mind.
BB&T are extremely unworththy of care for your banking needs. If you have ever had an NSF charge check the order of how they process their debits and credits. Did you know if you call BB&T 24 and you are told you have funds and your puchases are on ACH hold. guess what there not. If you make a purchase beleiving they have sent your funds in good faith to the ones you owe and you continue to do business 2 or maybe 3 days later and the last merchant send in their request for payment. Well the funds you believe was sent to the first sent of merchants have now been re-deposited to your account sent to the last transaction (because they got there merchant request in first) is paid and anyone who you have left based on the money in your account now just costed you a large amount of NSF fee!!! There for look ant your statements closely I had 115.00 in bank made 4 (50.00, 44.00, 11.00, and 10.00) separate purchases leaveing .61 cent in the all posting on 2/17 then a purchase (69.99) that was made online 2/18 this merchant sent in their request 2/19 BB&T this company then NSF all 4 of the transactions (yes, even the 10, 11) And by the way my direct deposist from work was showing on the automated system and was available at midnight 2/19 going into 2/20 with other transaction that are reoccurring on the 19th they also NSF them as well to a total of $290.00. When informed well the funds are there and you don't post till midnight why am I being charged and if your system tell me funds are there why did you not pay the 4 first and prompted told its not our policy we pay the largest first. I say ther purposely NSF people accounts for their own selfish gain. In my opinion this is theft and fraud
I have been a customer with BB&T and needless to say that this bank is very unprofessional with the way they conduct business, and with the way they treat their customers (Especially the customer service call center).
I have been slammed with outrageous NSF fees. The problem is that I had placed CASH in my account to cover charges that I had did on my credit card. I asked the teller if this was going to cover anything pending. He lied right to my face and told me yes. The very next day the money was gone and I had several NSF fees. This is not the first time that BB&T has done this. I admit I have made mistakes in the past regarding my account and took the blame when need. However the past two times this has happened was not my fault. I made sure there was money in my account to cover my ###. Appearantly cash is not good enough to BB&T until they make sure they can get their damn hands in my honey pot.
When I call into the customer service center of BB&T to try to handle this situation; I was basically told 'Oh well, perhaps you should conduct your business elsewhere' What kind of customer service is this?? I am highly pissed and because I can't trust my money in BB&T hands, I have already switched bank accounts. I have been with other banks in the past and have never had issues like this. I highly recommend anyone who is a customer with BB&T seek other banking methods.
It is completely understandable that people, such as myself, make mistakes. I made a mistake by banking with BB&T. They lie, steal, and commit fraud. I have already begun making a report to the FDIC; and I will also be filing a report with BB&T Corporate headquarters. If someone would like to share with my their situation- please do. I feel that people should stand up for them selves regardless of how big a company is. This is what companies want- they think people will just blow hot air; but assume nobody will do anything about it. So these compnaies ( BB&T included) continue to get away with unprofessional behavior.