Complaint Review: BB&T Bank Branch - houston Texas

For 4/1/2015 to 6/30/2015 period

BBT Activities: There was service charge for any account.

My Argument: when I signed contract with Citi bank, my accounts were set up with no service charges. During this period, BBT abided the contract I had signed with Citi bank.

At 6/30/15

My request: I made request to transfer all money from my “Business Money Rate Savings” account to “Business Value 200 Checking” account and close “Business Money Rate Savings” account.

BBT Activities: the clerk didn’t do it and left the account open with $9.76 although he told me the account was closed.

My Argument: why the clerk didn’t tell me the truth, whether that was intentionally or just mistake?

From 7/1/2015 to 2/29/2015 period

BBT Activities: There was a “Cash Management Online” service charge $35 from my “Business Value 200 Checking” account.

My Argument: I never set up “Cash Management Online” service with BBT and even don’t know that I have this service with BBT. BBT never tells me either by phone or letter anything about this service. 

On 12/23/2015

My request: I noticed that my “Business Money Rate Savings” account had not been closed as I requested at 6/30/2015, I asked clerk to close my account.

BBT Activities: Again, the clerk said my account was closed, but actually left open with $9.76.

My Argument: I really don’t know this is BBT system issue or clerk issue?

From 3/1/2016 to 5/31/2016 period

BBT Activities:

1. There were “Cash Management Online” service charges $35 from my “Business Value 200 Checking” account each month.

2. There were “Cash Management Online Business Banking” service charges $35 from my “Business Money Rate Savings” account which had $9.76 each month.

3. There were “Cash Management Online CD Account Maintain” service charges $40 from my “Business Money Rate Savings” account which had $9.76 each month.

My Argument: in these three months period, BBT added two other charges to my “Business Money Rate Savings” account: “Cash Management Online Business Banking” and “Cash Management Online CD Account Maintain” which I never get noticed. And BBT charged me “Cash Management Online CD Account Maintain” even I don’t have any CD account!

From 6/1/2016 to 8/31/2016 period

BBT Activities:

1. There were “Cash Management On” service charges $35 from my “Business Value 200 Checking” account each month.

2. There were “Cash Management Online CD Account Maintain” service charges $40 from my “Business Value 200 Checking” account each month.

3. There were “Cash Management Online Business Banking” service charges $35 from my “Business Money Rate Savings” account which had $9.76 each month.

4. There were “Cash Management Online CD Account Maintain” service charges $40 from my “Business Money Rate Savings” account which had $9.76 each month.

My Argument: in these three months period, BBT added one more charge to my “Business Value 200 Checking” account: “Cash Management Online CD Account Maintain” which I never get noticed and even I don’t have any CD account!

The Keys:

1. “Cash Management Online” service with BBT:

   1. I never get notice that I have BBT “Cash Management Online” service associated with my accounts.

   2. I never get notice that BBT “Cash Management Online” service has fee associated with it.

   3. BBT charged me total $1158.75 for nothing!

2. BBT “Cash Management Online” service charge changes without notice and agreement:

   1. At first eight months, the service charge was $35 monthly; then the following three month, the service charge became $120 monthly; and then following three month the service charge became $160 monthly.

   2. There was no notice or explanation why these service charges keep on increasing.

   3. I don’t have any CD account, why there were service charges for “Cash Management Online CD Account Maintain”. BBT put charge on the account I even don’t have!

   4. BBT charged me total $75 per month from my “Business Money Rate Savings” but the money was deducted from my “Business Value 200 Checking”

       

3. BBT Customer Services:

1. After found these unauthorized charges, I went to BBT branch at Houston downtown and talked with Eric Contreras. But I was told BBT can only refund me $470. I want to know why BBT decided to refund me $470 and why BBT decided why not to refund me rest of $648.75? What’s the underlying reason for BBT’s decision?

2. When I asked for any document about the service charges on my account, Mr. Contreras emailed me fee disclosure on September 27^th, 2016, which should sent to me on before the first day of BBT took Citi customer accounts.

3. The fee disclosure Mr. Contreras sent me doesn’t indicate the charges applied to my account .

1. After I found these issues and want to discuss with Mr. Contreras, he refused to talk with me about the detail and told me that he can only refund me $470, TAKE IT OR NOT.

2. After numerous arguments with Mr. Contreras, and his manager Andrew Delauro, they agreed to refund me $840 but still held my $318.75 for no reason.