Complain about a product or service

BB&T

shannan of spartanbur, SC January 5, 2010

Email I sent to BB&T I have an account in your bank with my son which I opened at your Spartanburg office back in Aug of this year. The account was created by a man named Travis at your Westgate branch and I am now understanding he may have been new to your corporation. The account was created as a custodial because we were under the impression that was the only choice he had and we were told he could later open a saving account to go with it. We were also told he would be able to apply for a credit card with my credit since he was 17 but later found that to be incorrect also, he would need to be 18. The teller looked around in Travis office and then we saw a folder on the chair in the waiting room with a child and guess what it was all my private information just left out for anyone who wanted to see it. I was late at this point so I signed the papers and returned to work. Late in the week we noticed the saving did not link to the checking and my son had no access to view his account information and we went into the branch to discuss this with Travis again. He gave me the 1800 number from hell and said he had no dealing with the online system and told me I lied about him leaving my papers out in the open which later he did admit to doing which is the only reason I had not filed a formal complaint. I later found out your great person was incorrect again and we were set up the wrong account so my son would need my user name and password to log in and see his information. I have also spoke with Rob Copper regarding all the issues above and to many more to detail or even keep rehashing.

This morning there was another issue and it was much bigger and worse than the rest of them if you can believe it. Gary received a text that he was 240.00 negative due to an overdraft on yesterday. First it said he over drafted roughly 20 and was hit 4 overdrafts fee for a total of 200.00, I do not see how this is possible if he had a savings account with the funds there to cover and he had over draft protection (Or that is what we were told again). He had also received a text the morning of the 4th showing he had 60 dollars available before debiting 20. I am very confused and upset. Dealing with the bank has been worse than dealing with a used car lot.

I called Rob C this morning and was told he would get back to me and I had to call him after lunch only to learn he had not even looked at it and he was pretty rude about when he would.We were lied to about everything to make your bank sound great and now there is nothing but the lies left and a huge fee we should not be responsible for. I am requesting you reverse this fee and allow us to remove our funds from savings and make a clean brake from your branch it is the least you can do for leaving all my private information available to anyone in your bank. I am sure you could review your tapes from the day I signed the paper work to verify my story. I am in contact now with other banks to move my boat loan as well so you will not need to deal my me or my business or as it turns out many coworkers here at adidas who also can not believe this.

Thank you very much for your time and understanding. I look forward to hearing from you my direct cell line. This is my last try to get help before I contact fox Carolina and let them to some research for me since it really appears that BB&T does not care about the little guy only the number of accounts.

Linda of Midlothian, VA December 2, 2009

Our checking account has been charged 350 in overdraft fees on Nov. 25th for transactions via our VISA ATM card. Nov. 25th is also the SAME DAY that our Social Security retirement check was deposited via direct deposit. Upon discussion with the bank officer, we were told no credit would be given for these charges since "the charges were made on Nov. 23 and 24 but were not POSTED until Nov. 25th.

Is it legal for the bank to REACH BACK to charges made on prior days to create overdrafts on the same day as a direct deposit is made? We thought the posting date is what governs. It is certainly the posting date when a deposit is made. The bank won't REACH BACK even to the day before if their policy is to post deposits made after 2pm the next business day.

Also, this seems to be a vindictive thing too. In April the same bank made an error on our account. Attempting to withdraw funds from a CD and transfer to our checking account, the teller made the deposit BACK INTO THE CD. This caused overdraft charges, returned payments from other financial institutions (including our mortgage), etc. As a result of all that chaos apparently the bank officer put a "No courtesy refund of overdraft charges--must be bank error ONLY" on our account. So it seems the bank is "getting back" at us now.

350 overdraft charges payments returned to our creditors late fees and additional finance charges power company demanding full payment without extending our prior budget payment arrangements monetary loss to bank leaves us in hardship status without funds to pay mortgage, insurance, etc., in order to keep power on as well as phone service, etc.

Tony of Big Canoe, GA November 19, 2009

I am leading a campaign against BB&T. Anyone that has a legitimate complaint, you can contact the North Carolina Commissioner of Banks for action to be taken. BB&T's headquarters are based out of North Carolina so you must file in that state. Go to [site] and click on the "Consumer Assistance" tab and a then click on "complaint information" from the drop dow. Then select "How to file a complaint."

From there click on "Consumer Complain Form." Fill out the form. when you are finished, click on "continue" and you will be asked to print the form, sign it and either mail or fax it to the commissioner. I figure if enough complaints come through their office about BB&T, then they will have to take action. I now owe almost 200 in overdraft fees and will not be able to open an account anywhere until this is paid.

Thomas of Knoxville, TN October 23, 2009

We suddenly discovered that this bank holds deposits up for days ( even though we have a receipt for a specific day) to let checks come in. Since we are living close to the edge, sometimes our checks are coming in, however we always make a deposit first so that enough money is their to cover all outstading checks. They don't send a bounced check notice they simply continue deduckting incoming checks even though a deposit has been made. Naturally your account runs out of money.They keep deducting each check even though its now in the negative. Then they show your deposit ( it might have been sitting their for days ) and beging charging us 35.00 for each over draft.

However the money was their they just refused to add it to your account until after they had run through all your current money in your account. We told them we never received a bounced check notice and they addmitted we would not have because the money was there ready for deposit. " Then how can you chage us 35.00 for each instance " There answer was " Thats the way we do it NOW"

We were never informed of this change in policy. Its unethical, unfair and just plain stealing. We are the type of people that trusted the bank and did not regularly check our statement. Therefore this stealing no doubt has been going on awhile without our knowledge. We are cancelling our account ofcourse and went to a Credit Union where they were shocked to here about this practice at BB&T. This last episode cost us 220.00 even though we had previously deposited enough money to cover our debts yet their accounting system had not ackowledged it.

Gail of Knoxville, TN October 20, 2009

I have been charged with overdraft fees on three different occassions causing me to lose money that made me become late on paying bills that were due. We have a very fixed income and can not throw money away like this. They hold transactions in pending purposely to post when they want to.

All transactions that come through are placed in pending and they have already been deducted from the balance on the account reflecting as the Available Balance. Except when an ACH Direct Payment(Insurance draft) comes through, it does not show pending nor does it reflect in the available balance it just happens. However also thorugh ACH a Direct Deposit comes through and does show in pending and is reflected in the available. A Direct Deposit should be reflected in our checking acount as posted on Friday mornings. We had a debit and a credit both coming through ACH on Thursday evening. They posted the debit and placed the credit in pending until friday night. Even though the available balance reflected the deposit, the bank posted several small pos transactions dated the same day as the deposit but prior to posting the deposit. causing overdraft fees.

J of Vergennes , VT September 28, 2009

I have had a bank account with BB&T for almost ten years; at some point in October of 2003 they started charging my checking account 4.95 a month for a service called the "Plus Package". I have never knowingly signed up for this package and to my knowledge ever authorized them to sign me up for this package as it consists of a group of insurance products that I don't need or want. I have never received any information regarding my coverage, etc related to this insurance. I had inquired about some of their fees before and was told it was either an ATM fee or may have been a fee for a low account balance. In August of 2009 I reviewed a group of my statements and noticed this fee had been charged every month as far back as I could go. So I inquired with BB&T and they told me that it was for the plus package that consists of some insurance coverage. I explained to the representative that I was not aware I was being charged an extra fee for this service that I was not aware of being signed up for. I asked the representative to provide me with proof that I gave them consent to charge me this fee and they referred me to the Tysons-Echo Hills branch office where on 8/13/2009 I requested they send me this document in the mail and was assured that they had put the document in the mail.

On 08/28/2009 I inquired about the document as I still had not received it and they assured me it was sent, however I insisted that they send me another copy as it obviously does not take three weeks to get something in the mail. On 09/21/2009 I called the Tysons-Echo Hills branch office and spoke to Virginia a customer service representative. I inquired about this document and she explained to me that they do not have the document. I have spent hours of time trying to get a refund for this so called "Product" and BB&T the representatives at BB&T don't even seem to have this word in their vocabulary. I have also found that the insurance company that BB&T uses for this(the Affinion Group) has been the subject of many other complaints that mirror my complaint where people have been charged a periodic fee for something they never signed up for. In 2005 they settled with 17 states for 8 million dollars for deceptive marketing that seems to be an exact mirror of what I have experience.

Vicky of Covington, VA September 22, 2009

I called the bank several times to get clarification regarding the debit card policies, and writing checks. I was told that debit cards puchases come out immediately. When I went on-line I could see the charges had in-deeded been subtracted from my account. Recently, I went out of town due to an emergency and monitored my account daily. I was seeing my debit purchases were being accounted for, holding in my pending transaction and they were subtracted from my balance. I felt I knew how much I had left to use. This happened over weekend so at the close of Monday a check came in that I forget I wrote. SO, I told the bank I did not mind paying to the "one" check that "should have" balanced as it was a check not a debit. Remember the Branch Manager - Cindy told me the debits were immediate. At the close of the day -- Monday--- I was charged 175.00 for 3 debits and two checks. One debit amount was 4.33. I should have been charged for one overdraft charge. The check that caused this problem was in the amount of 80.00 If the bank would have taken out my debits first and the other check I would have had enough money to cover those charges. When I spoke to the Branch Manager. She told me "when the postings were done it is from the highest amount to the lowest. Not the debit transactions she claimed would happened. In the end I paid 210.00 for the over drawn amounts. I made several calls to the bank, speaking to several Managers and no one would credit my account. I feel the banking system is completely crooked.

karen of NORTH TAZEWELL, VA September 7, 2009

I opened an account with BB&T in December 08. The first couple months went ok then about April I started receiving overdraft notices. I could not figure out why. I covered the overdraft fees for that month. Then in May, it happened again. I have e-mailed BB&T several times only to be told the hcarges were not a bank error. They now have me owing 593.00 in overdraft charges.

I have mailed them documentation 3 times on the account, its always the same not a bank error. For those who keep several hundred dollars in their accounts you may not notice money being taken out. When you dont have that much to begin with then you do. BB&T holds your deposit and when the checks start coming in they return them. Something needs to be done. ts alwaYou may not notice money being taken out.

Patricia of Gastonia, NC August 19, 2009

On July 23, 2009, I went to the BB&T branch to get a Medallion Signature Guarantee on a transfer of stock form. I signed the form In front of Kyle S. & left it with him. My x-husband was suppose to also go by & sign this form . Mr. S. called me several day later to ask when my x-husband would be in to sign this form. I called back on Thursday July 31th. & spoke with Mr. S. & was again told the form had not been signed by my x-husband. On Friday, August 14th., Mr. Sikes called to tell me that " Mr. Taylor had just left his office & that he had signed the form". I told him that I would call my attorney's office (which is right behind the bank) & have them come pick it up.

On Monday, August17th., I called Mr. S. again and was informed by him that no one had come to get the form. I told him that I would be by to pick it up & he said that he had left it with "Julie" because he was at a different branch. I went by & got the form & took it to my attorney's office at which time the girls in the office & I noticed the date on it was wrong. My x-husband had signed it & dated it 8-1-09 instead of 8-14-09. I go back to thebank to get this cleared up & spoke to Rosa L. She said that Kyle must have overlooked this & that she would need to talk to him & the legal department to see how it was to be handled. She took both my phone numbers & I left.

She called my cell phone a little later & told that "Kyle said that Mr. Taylor had come in at an earlier time but had to leave quickly and didn't get to finish it & that was why the date was different". I then told her that August 1st. was a Saturday. She then told me that it was probably done after 2:00 pm so it would go on the next business day.

After talking with her I again talked to Kyle S. at the Union Road branch of BB&T. I asked him again why the date on the form was different from the actual date the form was signed. This time he told me that he put the date on the form. I informed him that I knew my X-husbands hand writing & that the date was his writing. He then told me that he "told " Mr. Taylor to date the form 8-1-09. I then asked him why he would back date the form instead of using the correct date of 8-14-09 and he said I told him it had to be done by that date. I told him I did not tell him any such thing. Then he procedes to tell me something about a log that he has to keep & that was the log date. I asked to see this log & was told he would show it to me but that it was at the other branch. He told me to meet him at the main branch at 1:00 pm (his lunch break).

It is now 12:00 noon. I leave the office and go to the main branch. There Rosa L. informs me that the "legal dept" will not allow me to see the "log". I would have to get an attorney to subpeona the log. I ask to speak to someone else. Everyone else was "either out of the office or on vacation" She finally gets a John C. on the phone. He tells me the same thing about getting an attorney. I tell him I don't need an attorney; I just want somebody at this bank to explain why the date is wrong. He then gives me the number for a Louis M.

I take a seat in the lobby and make a call to this number. Twice I was "connected" to Mr. M.'s extension but get cut off w/o anyone answering the phone. The third time I called the number I got transfer to a Michelle W. in corporate complaint dept. As I was talking to her, Ms. Rosa Lane came and told me I had to leave and make my phone calls outside. I went outside to my car & finished my call with Ms. Walker. She took all my info and was were nice & polite to me. Told me I would hear from Mr. M. ASAP. Well today, August 19,2009, I received a call from Mr. M.. He was rude & said this was a "marital dispute" issue & I should have my attorney make Mr. Taylor correct this issue! That BB&T was not getting put in the middle! After all this "stuff" BB&T has still not explained to me why a Medallion Signature Guarantee stamp was put on a stock transfer of ownship form with the wrong date beside my x-husband's name. Can I legally submit this form to Spectra Energy knowing the signature date is wrong without getting myself into trouble?

All I want is to get my stock out of his name into my own account. BB&T has been hateful, mean and rude to me because I questioned this date. I now believe that Kyle S. did something wrong in the way he handled this medallion signature and the dating of this form.

Charles of Cary, NC June 25, 2009

To whom it may concern, I have been with this bank since 2004, I have had nothing but OVERDRAFT FEE after OVERDRAFT FEE. I usually lose around 3,000.00 to 5,000.00 a year to the fraudulent system the have in place. This bank run the highest amount of any purchases first & not in the order they are received. They do this intentionally so they can receive 35.00 for every small transaction instead of one charge for the large transaction. If you make one small mistake, WHAM! 300 + in OVERDRAFT FEES! 35.00 on a 2.00 cup of coffee = 37.00.

My last overdraft which I ran 29 cents over in the account cost me 200.00. This is highway robbery they know it, I know it. It's a shame no one has not put a stop to this. I do not see how a bank can get away with this mischief. It's sad when the biggest thief in my life is my bank. Heck, It's safer to keep my money on PAYPAL & everyone know what type of crooks those guys are.

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