Complaint Review: BB & T - Fayetteville North Carolina

As Resty said there is no conspiracy to pay someone to sit around JUST to monitor YOUR account to bang you with fees. Just because you don't understand how banking works - and works for millions that have no issues - doesn't mean there is some wacky conspiracy targeted at only you because, that's exactly what you are saying.

Resty read the Banks rules / regulations! It tells you right there the bank can hold and debit accounts "at their discretion". That means if you deposit an item , they can hold it as long as they like. Maybe you can wait a week to get your money from the bank, but most working class people can not. Sure they should be allowed to hold it a reasonable length of time, but in this high tech world of ours, I bet it seldom takes more than a day to ensure funds are available. Hopefully in the next few years most employers will pay by debit cards, then funds are immediately available on your card! NO the banks are not waiting to pounce on our money, they're carefully planning and carefully writing their policies so they may legally charge fees while they hold your money just as long as they can. Hope you get a good resty while working class is in a real mess-ty!

That is how they make money. I just got out of that bank. I went to Allsouth Credit. BB&T took so much money. I wrote everything down and we never went under 100 in our account. We also had overdraft protection and we had money in our savings. Somehow they started charging different fees. They then also held my husbands direct deposit a full day without letting us now why and how. His check always hits Thur. morning. I would always do the shopping and errands on friday. They kept his deposit til friday night after I went shopping. I wrote letters, complained to everyone. They gave me back only half of the fees. I should not have gotten any!! It happened at least three times til I finally switched banks. One time they botched it up so bad that all the fees they put on (half they couldnt tell me from where or they added up to more then just added together overdrafts) he lost a full 950 paycheck. I think they have fees for fees and overdrafts for fees and overdrafts. I went all the way up to area manager for SC to get some things straight. Still didnt. I couldnt close it down since I did my taxes online and set it up for direct deposit for that account. The day it hit I took it out. Didnt us it for three weeks before only cash. All my account info from tellers, online, phone didnt change for those 3 weeks. I had 100 in both saving and checking. Once taxes both hit I closed the account and removed everything. Two months later, now, I am getting notices that my account is overdrawn and that I owe BB&T over 300.00. I dont know how. Im going to see the area manager this week. I will never have anything to do with them after this unless I have my lawyer

How can you people possibly think for one minute that these banks deliberately and with malice set out to cause you OD/NSF fees? You cant really think they have nothing better to do than to plot and plan how best to overdraw your account? Its gotta suck big time to keep being hit with such horrendous fees.....but it does seem to be your own fault. These banks arent out plotting the demise of each persons account. JG..Steve.....Atlanta Guy....and a host of others have addressed this over n over and yet no one seems to listen. Dont spend what ya dont have..... Keep an accurate check register...... Stop trying to "float"... Problem solved?

Call, write, fax, or email the Commissioner of Banks in your state. BB&T is allowed by law to hold and post items "at their discretion". Anyone with common sense knows they will do this in a fashion that benefits their business. If you have $10.00, deposit $90.00 cash, then take out $80.00 all on the same day--Guess what? They're going to count your $10.00 you already had, then they're going to subtract the $80.00 you took out-which makes you negative $70.00 and then your overdraft fee is $35.00, which makes you negative $105.00--they'll add your $90.00 deposit--which brings your GRAND total to negative $15.00. DEMAND the laws change. They should not be allowed to do things "at their discretion". They should do things as they are submitted, not allowed to hold items until they can create overdrafts. FIGHT BACK! DEMAND fair laws and regulations.

Because BB&T has done me the same way. A $5 debit card purchase that puts the account $2.63 in the negative will also result in the bouncing of every transaction posted that day. By holding the transactions (in my case for as many as three months). This means that a single transaction, running the account over by only a few cents, can result in an enormous number of overdraft fees. Right before Christmas, while buying presents, I spent $56. My statement said that I had around $100 left, on a rough estimate, but a three month old transaction, that I had forgotten about, was making my transactions show a false-positive. By holding all of the transactions for several weeks, and then running them all through at one time to put the account in the negative, we were hit with over $500 in fees in that one day alone, for a $2.63 overdraft. A single $35 overdraft fee would have been understandable, but to falsely inflate overdrafts like this is just plain fraud. Furthermore, to the person who posted previously, the $$ is taken from your account immediately, so there is no interest coming back, but in many cases, it never even posts at all, so after awhile, you start to question your own records, as transactions fail to show up at all, on statements, or otherwise, I have actually incorporated overdraft fees, that left my account showing a positive balance, even on the tellers computer, until a call upstairs, deemed it a mystery transaction that never appeared on any statements, not on the online service, did not affect my balance on the online statement, or by calling the # on the back of my card, for months, but still made my account bounce. Right now, there is about $50 in mystery transactions floating around, because I just bounced a $10 transaction, my account shows about $5, after the overdraft fee, and according to my online info, everything cleared several days ago.

Why would it matter how long they held the checks, if you had the money in your account when you wrote the check?? In fact, it would be to your advantage, you'd get all that extra interest. I wish my bank would do that.