Truist Bank (formerly BB&T Bank) – Page 37

This bank has by far the worst overdraft program in the world. It takes in 0 consideration for hardship or special circumstances. My wife and I have had covid and haven't been able to check our accounts everyday like usual and a car payment came through our one checking causing it to get overdrafted by just $14 and there was plenty of money in savings to cover it. We transferred the money as soon as we saw it was overdrafted but still got the fee. I called and let the representative know what happened and they said they would use their fee tool to see if I qualified for reimbursement. She said that the tool declined it because I got 1 courtesy back in May of 2020. I then asked if there was someone else that I could talk to that would take our circumstance into consideration and was told her supervisor uses the same tool and he wouldn't be able to do anything either. I asked to talk to him and she said one moment I need to check if he is on Skype... he was not on Skype and in a meeting at almost 8pm at night she said he would have to call me back. I got a call back from him and he said he submitted it in his fee tool and it was declined for him too... 0 empathy and 0 consideration for what people are going through. Overdrafting is not an everyday occurrence for us and we always have plenty in our savings. We will be taking our business elsewhere.

truist back in October started a refinance with me and they are my current mortgage provider. Now, almost six months later, nothing. I have lost over 30 points on my credit score as a 100% direct result of them hard pulling my credit repeatedly and even after I told them to stop. I am also out almost a thousand dollars in two house appraisals ordered by them. They have asked for the same documents over and over up to 10 times per document! I have wasted dozens of hours on calls, sending faxes, emailing and just general document finding yet to no avail. They never intended right from the start to help me. Why would they? They are soaking me for almost 5% interest and they will loose money by giving me a fair shake.

At least 3 yrs. ago this bank (pantops branch) was suggesting I had a $100 counterfeit. My brother had just given me a $100 to which I wanted to deposit. The bank said the bill was counterfeit. I ask my brother what was going on. He told me he received the $100 bill from that bank. From there it was a complete mess...never had anyone from the bank explain, finally they just dropped it. It was handled wrong, it never had any final report from the bank. I would like to know how can they say COUNTERFEIT
and then just drop the whole matter. Joyce M. Hall [protected]

I have opened a business account a month ago. no one bothered to order a debit card and check until several follow ups between several bank via calls and email. I am trying for 2 weeks to order a credit card for the business and there is not a single person who can address my request. absolutely ridiculous! just tell us you can not handle the business and get out of business

1/20/2021: the last day I will deal with BB&T/Truist. I spend over an hour waiting for customer service to discuss the $216 overdraft fees charged to me as received my unemployment benefits for the week. The customer service reps have no empathy whatsoever; I spoke to an individual two days ago about the $108 of fees charged over last weekend which reduced my unemployment benefits the following Tuesday; this unemployment thing is new to me and due to no fault of my own but I do know I am in a situation which is certainly not improved when BBT can conveniently posts debits strategically before larger credits are posted to an account so they can tally up the $36 fees and add them to the billions of dollars of fees they rake in every year. And they tell me "only one fee waiver allowed in a 24 month period." I find that hard to believe...I bet they have a dry erase board in the back like car salesmen do tracking how many cars they've sold that month. Profiting from the misfortunes of others; rather disgraceful - should consider treating your customers better that is if you care enough.

1. Card was blocked because of suspicious activity. NO call was made to alert me to the card status.

2. Legit purchases were declined. Christmas gifts!

3. Called to find out why card was blocked: on hold 1.5 hours, first time I called. Call transferred, but was disconnected. Called another number, hold time was 35 minutes - transferred again. wait time 50 minutes, but had to hang up to take care of business. 3rd call - wait time was 55 minutes.

I opened an account online in September. A few days later I deposited a check. Weeks went by and no card. I call and find out someone took my card and spent money on it. They filed a claim and had me open a new Acct. The day they helped me get back online to my account they left a message to verify activity. When I called they closed my Acct.

Suntrust which is now truist is the worst bank i've ever worked with be 100 miles. I was told that since I had an investment ira I would have a checking account that would offer certain perks but mainly I wanted to avoid a monthly fee due to my balance. Of course the person failed to link the accounts so I start seeing 25 dollar fees for a few months I start calling the bank part, waiting on hold for 30 minutes! Then someone in another country gets on does'nt understand, tries to transfer me to the investment office... Disconnected. This happened 12 times over 4 weeks of calling, same outcome, finally I go in in person, wait 25 minutes to talk to someone he waives the 2 fees and says he won't be able to waive any more? And that I need to call the investment part of the company since only they can fix it? I'm furious by this time this is laughable and terrible non existent service like no one cares if the company survives or not. It gets worse, I call the investment part and they pick up after 20 minutes and explain that they can fix it and she takes down the info and nothing is fixed! This goes on for 5 more months! Finally after having to go in to another branch office and beg, a manager gave me "back" the 25 dollar charges I never should have been charged. I looked at the last statement and no charge on there. In addition zelle does, nt work here, the remote deposit camera never works like other banks, website down all the time, investment web site is a joke and has no features like the rest of the industry I could go on all day I opened the account cuz my wife thought we should have it since we had a mortgage with suntrust but now that's paid off i'll be closing everything this saturday, terrible, terrible bank/brokerage please don't do business with this company.

I still had $1.22 in my account and they charged me two $36.00 Overdraft fees. I charged $6.68 not knowing I was negative and then BB&T charged me another overdraft fee. I called them to discuss because of my hours being lowered at work due to coronavirus they credited me $108.00 leaving me negative $5.44 and still charged me another $36.00 fee the day before my payroll check was deposited. I unenrolled from overdraft protection and am still finding a new bank.

Our insurance check was deposited on July 27th, 2019. in the amount of $45, 000. To this date the funds have not been cleared and we have not received information as to why they are holding our money. We have asked for the check to be returned to the insurance company but no one gives us an answer or a solution. it has been 160 days.
No one gives us an answer. attched a photo of the deposit receipt.

My husband and I's had an overdraft on our account two weeks ago (October 1-4, 2019) with $180 in overdraft fees, not knowing that we didn't have overdraft protection. Okay, that was fine since we obviously didn't have the overdraft protection, but that same week (on October 4, 2019) we OPTED OUT of overdraft (meaning no overdraft can happen) in both sections (ATM and one-time purchases, and the checks and reoccurring payments). Well we had another overdraft situation this week (on October 15-16, 2019) resulting in $216 in just overdraft fees, even though two weeks ago we OPTED for NO OVERDRAFT. Well BB&T is saying that it doesn't show in their system that we opted out two weeks ago, even though I know for sure that we did. So now we're just stuck with the $216 in overdraft fees, even though we opted out and our account shouldn't have been able to overdraft. So because their system didn't register that we opted out, now we have to suffer the loss of all that money! It ridiculous! And I would like a refund for the $216 in overdraft fees because I opted out of overdraft and I shouldn't have to suffer the loss of that money since I did everything the right way and their system didn't register that I had opted out.

BB&T is capitalizing on the poorest, weakest, indigent and voiceless people of the banking industry. It is technically illegal according to the lending laws of North Carolins, it needs to be stopped and I will be damned if I will be silent any longer and continue to watch them take advantage of people while they make BILLIONS on the less fortunate. Here's why I say this and here is a short version from my personal point of view & witnessing this issue first hand. I have come to this, by tracing someone I care about's banking history, for the last year and half with BB&T.
He is embarrassed and does not want his identity revealed at this point. My son, 29 years old.

What started with an offer for "Free banking with Direct Deposit" ended up costing them so far, 15% of his salary over 1-1/2 years. Most people, especially young people, do not read the "fine print", "disclosure notices". Hell, they do not even know what a disclosure notice means much less the jargon used henceforth. I know ignorance is not an excuse, but neither is hiding major facts in fine print.
How it started? He forgot he used his card at a gas pump as a Visa card, the charge didn't show up for 3 days, not even a pending $1.00, and the cycle began of things clearing because he took some cash out thinking he had some money! Here we go:

In 9 months, this person paid over $2700.00 in fees.. 15% of their yearly income

Their allowing anyone to overdraft their account regardless of credit worthiness, as long as they have Direct Deposit Set Up! The least fortunate of its customer base are the ones suffering from this cycle and end up overdrafting their account 2, 3, 4, 5 times during one direct deposit cycle & getting charged $36 each time and another $36 every 7 days the account is not put into the positive. It can start as simple as an accidental miscalculation to end up landing you at a negative -$376.00 or more within a week. They require you to have direct deposit, big balances, big saving balances etc..., for no fee banking, so most people opt for direct deposit & most employers require it. That is how they get you. You have to pay those fees, the money paid out on your behalf, and then you need more money to pay your bills the next pay period, so what do you do? You purposely have to O.D. your account, which they graciously allow you to do for a fee. Then, the VICIOUS CYCLE BEGINS.
This is nothing more than PREDATORY lending, PAYDAY lending at it's best in North Carolina, which is illegal in N.C.
If you ask these customers, 94% were not even aware they had overdraft protection like this until it happened by accident the first time. I spoke to another woman who told me, she called customer service who told her..
."Yes mam, it's a courtesy we provide if you have direct deposit so you will not have retun items. You can have 1 overdraft ATM withdrawal, 1 overdraft check covered, 1 overdraft debit or Visa card covered and we will charge $36 each time but it's better than getting charged an NSF fee and the items getting returned anyway. You must get your account into the positive within 7 days to avoid another $36 fee just for being in overdraft"!.
So they charge them per item and then charge them again every 7 days per direct deposit cycle that the account is negative, knowing the majority of the population only gets paid on a Bi-Weekly Basis! Not to mention, they are basically encouraging them to take advantage of the service by telling them they will cover the above items (at the time the customer calls to inquire about the very first $36 fee and paid item) with what seems like a small fee if their electricity is about to get cut off, or their tire went flat on their car, or they desperately need groceries for the family til next payday, or worse, medical emergencies and they need medicines or medical care.. See this population does not have credit cards, access to legitimate credit lines, savings accounts.. They already live less than paycheck to paycheck..

Most do not even realize they have O.D. protection default until something like this has happened, and/or when they do realize it, they think, ok, here's a chance for me to pay my insurance on time so it doesn't cancel or something similar... Hey, it's only $36 dollars.
What starts as something innocent, ends up being a nightmare.

Please help me spread the word to stay away from predatory banks like BB&T, and find a class action attorney willing to do something about this. Attorney General of North Carolina #JoshStein,
I am reaching out to you on Facebook and your website about investigating BB&T. Please, someone hear us. Help me fight for those that are already lost in this nightmare.

An employee called saying that our account would go dormant in the near future if we did not show some activity on it. 2 days later we wrote a check on it . When Synchrony Bank received it they could not get the funds because, as I was told by another BB&T employee, the first employee, at the moment of the call, made the account dormant. We were sent to collections and many hours of research later found out that it was completely BB&Ts fault, yet they will not send us the fee charged for the returned check. When I first called the branch in Del Mercado they told me there was no manager and in the same breath said he was with a client. When we went to withdraw our money, never to use this bank again I again received more misinformation and was told that the it was in the hands of the "back room" people. I asked to speak to them and the employee refused. I asked if the "Back Room" people were human and he assured me they were but they don't speak to clients. Such a warm friendly bank! We then went to another bank and opened an account there, I was also told by the new bank that some of the information I received was wrong and he was reading directly from the State of Maryland laws.
Anyone using BB&T should definitely think again.

Unfortunately, the wrong account number of my checking account was given to an international recipient for a refund back to me. The international bank says the funds were wired to my account, but they are not there, due to one digit being off. Can't bbandt check to see who's account number the money was wired to?
If the name and the account number doesn't match, how can they let the wired money go thru?