- Report: #290066
Complaint Review: Branch Banking & Trust - New Port Richey Florida
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Branch Banking & Trust
11326 Us 52. New Port Richey, 34654 Florida, U.S.A.
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Branch Banking & Trust OverDraft Scam New Port Richey Florida
Hello and welcome. First off lets just say I'm just another BB&T victim.
I have been with BB&T for about 1 year now. I opened my account when i first turned 18.
My checking account was great for the first 2 weeks until i never received my checks. I drove to the bank to see how munch longer it would take before they came. The teller told me she would kindly order another package for me. I was happy. Again another 2 weeks went on and still no checks.
Again i went to the bank to ask if they could find out what had happened to them.
The same teller had no answers for me. She again submitted another request for the checks. finally a week later my checks arrived.
At this point in time every thing was good. I had my checks and I had $60.00 in my account all was well. A few months passed and i had made a mistake on my cell phone bill resulting in an overdraft fee of $35.00 which i payed the following day since it was my fault.
This is where it all started! Lets get right to the point for any of you who may have a BB&T account still active. Close it ASAP or you will owe hundreds in no time. I have read dozens of reports and have studied my own experiences to conclude many interesting facts you may want to know.
Lets start off with my favorite thing about BB&T (keep in mind that i was being sarcastic) The online banking is a high way to hell. Being that the only numbers you'll ever see on your statement's are RED. This online banking experience is torture because never once do they show you your balance throughout your transactions. You'll only be left playing mindless guessing games. Lets not forget the systems they use must be older then me.
My other favorite thing about BB&T is that they always charge me an overdraft fee even when i have more then enough money in my account. I get payed weekly so every Tuesday my (direct deposit) goes in at about 2-3am.
I had to pay some bills like average people do. I got payed about $260.00 that week and payed all my bills of $245.00 so i still had some money left. Well i looked that night online and seen that everything went through just fine.
Well 4 days went by and i looked on my account and seen -$490.00
Then when i seen that i had to take a quick trip to the bathroom to clean out my underwear from my shock LOL. Then after that i made my way back to my laptop to play BB&T's famous guessing game. It seems that they had some kinda lock on my account that prevented me from paying my bills. Yet all my bills where payed. My cell phone was payed and my credit card was payed. I don't really understand how they lock your account but yet pay your bills and then charge that overdraft fee for each bill you pay.
Lets move on to the best part of all. Thats right people i saved the best for last!!! Being that i do have direct deposit it seems that i wont be able to get my check without paying the total amount due (-490.00) Keeping in mind i only make $260.00 a week. That means in 3 weeks i will finally get a pay check again. Just how will i pay my other bills 3 weeks from now When they are due now?
Also keeping in mind that for the rest of my life for every pay check that is direct deposited into my account i will have to call the bank to be sure that they haven't put some kinda lock onto my account. The fact is even if they say everything ok we all know that it's just going to happen again.
In Conclusion I would prefer being robbed in a parking lot over being with BB&T because at least after I'm robbed i can call the cops! With BB&T they can take all your money and you cant do anything at all. It's these exact reasons why people my age (18) don't wanna work or do anything because we just get robbed by our government and banks etc. BB&T has caused me to be behind on my bills which will cause late payment fees YEY!!! Look out life here i come!
I wanna thank you all for reading my half a** report about my favorite bank.
Dusty
New Port Richey, Florida
U.S.A.
Click here to read other Rip Off Reports on BB&T Branch Banking and Trust Co.
I have been with BB&T for about 1 year now. I opened my account when i first turned 18.
My checking account was great for the first 2 weeks until i never received my checks. I drove to the bank to see how munch longer it would take before they came. The teller told me she would kindly order another package for me. I was happy. Again another 2 weeks went on and still no checks.
Again i went to the bank to ask if they could find out what had happened to them.
The same teller had no answers for me. She again submitted another request for the checks. finally a week later my checks arrived.
At this point in time every thing was good. I had my checks and I had $60.00 in my account all was well. A few months passed and i had made a mistake on my cell phone bill resulting in an overdraft fee of $35.00 which i payed the following day since it was my fault.
This is where it all started! Lets get right to the point for any of you who may have a BB&T account still active. Close it ASAP or you will owe hundreds in no time. I have read dozens of reports and have studied my own experiences to conclude many interesting facts you may want to know.
Lets start off with my favorite thing about BB&T (keep in mind that i was being sarcastic) The online banking is a high way to hell. Being that the only numbers you'll ever see on your statement's are RED. This online banking experience is torture because never once do they show you your balance throughout your transactions. You'll only be left playing mindless guessing games. Lets not forget the systems they use must be older then me.
My other favorite thing about BB&T is that they always charge me an overdraft fee even when i have more then enough money in my account. I get payed weekly so every Tuesday my (direct deposit) goes in at about 2-3am.
I had to pay some bills like average people do. I got payed about $260.00 that week and payed all my bills of $245.00 so i still had some money left. Well i looked that night online and seen that everything went through just fine.
Well 4 days went by and i looked on my account and seen -$490.00
Then when i seen that i had to take a quick trip to the bathroom to clean out my underwear from my shock LOL. Then after that i made my way back to my laptop to play BB&T's famous guessing game. It seems that they had some kinda lock on my account that prevented me from paying my bills. Yet all my bills where payed. My cell phone was payed and my credit card was payed. I don't really understand how they lock your account but yet pay your bills and then charge that overdraft fee for each bill you pay.
Lets move on to the best part of all. Thats right people i saved the best for last!!! Being that i do have direct deposit it seems that i wont be able to get my check without paying the total amount due (-490.00) Keeping in mind i only make $260.00 a week. That means in 3 weeks i will finally get a pay check again. Just how will i pay my other bills 3 weeks from now When they are due now?
Also keeping in mind that for the rest of my life for every pay check that is direct deposited into my account i will have to call the bank to be sure that they haven't put some kinda lock onto my account. The fact is even if they say everything ok we all know that it's just going to happen again.
In Conclusion I would prefer being robbed in a parking lot over being with BB&T because at least after I'm robbed i can call the cops! With BB&T they can take all your money and you cant do anything at all. It's these exact reasons why people my age (18) don't wanna work or do anything because we just get robbed by our government and banks etc. BB&T has caused me to be behind on my bills which will cause late payment fees YEY!!! Look out life here i come!
I wanna thank you all for reading my half a** report about my favorite bank.
Dusty
New Port Richey, Florida
U.S.A.
Click here to read other Rip Off Reports on BB&T Branch Banking and Trust Co.
4 Updates & Rebuttals
Steven
Jacksonville,Florida,
U.S.A.
Don't write checks until you have the money
#2Consumer Suggestion
Sun, December 16, 2007
Not sure of your situation but wait until the money is in your account to write the check (as opposed to writing the check anticipating that the money will be there).
Nikki
Coconut Creek,Florida,
U.S.A.
Welcome to adulthood - the hard way.
#3Consumer Suggestion
Wed, December 12, 2007
You said you get paid every Tuesday and your direct deposit goes in around 2-3am. First, you need to find out if your bank makes your direct deposit available for Tuesday morning or Tuesday night (that means you can't use it until Wednesday). Did you pay your bills on Monday figuring your direct deposit Tuesday morning would cover them? You can't do that. They will overdraft them. And, if your bank does not make your direct deposit available until Tuesday night, you cannot pay your bills until Wednesday. If your bank makes your direct deposit available Tuesday morning, you can pay your bills Tuesday. You cannot pay your bills on Monday. Look at some of the other posts about various banks and you will hopefully learn more of the things they do before they bite you in the a**.
Sb Ec Wisconsin
Eau Claire,Wisconsin,
U.S.A.
If you want a solution then file a complaint!
#4Consumer Suggestion
Wed, December 12, 2007
If you want some thing corrected with a financial institution you should file a complaint with the primary regulator. This is a primary way regulators find out there is issues. Call the bank and findout which Federal Regulator (FDIC, Federal Reserve, OTS, or OCC) is the primary regulator and file a complaint. If the bank is improperly handling your account it is the best way to force a change.
Faron
Houston,Texas,
U.S.A.
The way these banks handle deposits and payments are tricky
#5Consumer Comment
Sun, December 09, 2007
You need to understand that even though you have direct deposit which shows up in your account 2 or 3am on a Tuesday, will not mean that is when the funds are available. Depending on the banking agreement, the funds may not be available until the next business day. I agree it's not right for them to do this, but not much you can do if you keep your account at this bank. If you write checks or withdraw from your ATM on the same day of your deposit; this will cause an overdraft. Usually, they will start with the highest amount of your checks or withdrawals, which will further screw you and cause you more overdraft fees. This is the way these weasels make more money. You should obtain a copy of your banking agreement to determine when you are safely able to use any funds that have been depositied, because banks will vary. If you understand two rules (1) banks number one priority is screwing its customers (2) find out the order they process transactions, including when funds are available from direct deposit; then you should be ok. It's a hard lesson to learn because I am sure you work hard for your money and to see them take it away really sucks. Most all banks operate this way, so even if you switch somewhere else; you may not be better off.
