BB&T

We closed on a refinance on November 28th and the deal was closed I think the latest December 2nd. It is now February 10th and they still have our money. We have called 4-5 times and keep getting a line of "**" I'm pretty sure. Now we have paid $32.00 to have another check sent. We waited a week to get it. Called 7 days later and they still have not sent it. There has to be something really legally wrong with holding our escrow money this long!

I have an account with BB&T for a land loan. Each month the payment is withdrawn automatically from my credit union checking account. I never have to worry about the payment at all. Well that is what I thought. They did not draw out the last two payments, they just stopped the e-bill I guess. They also never contacted me. My mistake was not checking; this is not my primary checking account.

I check my credit report each month and this is how I found out that it wasn't being billed for payment. Needless to say, it definitely affected my credit rating. I went to BB&T but they said their computer systems are down and they cannot help me to see if the money was misapplied, etc.

How appalling and unprofessional can a bank be. Here I am trying to get it fixed and they said the manager will not be in until Monday (2 days). Well let's just wait longer, right?! Nobody cared at all. I will never do any banking with this institution again. If you are smart, run the other way.

BB&T has pushed me over the line. My call started today with a request for some old banking records on a closed account. When I gave them the tax id number for the old company, they told me that there were two open accounts against that number. Turns out they have my current accounts tied to an old tax id number that is no longer even in use. How can they have this so screwed up? They also told me that they could not find any records for the old company since the only things they have are tied to the current accounts. Really, how could that happen?

Then, they told me that my account is currently overdrawn. I was surprised so I check on line. Turns out they had approved a debit card transaction that exceeded my current balance by more than $200.00. Now, I have told BB&T repeatedly that I do not want my debit card to be accepted if there are not sufficient funds in my accounts. The "personal banker" told me that if you have a business account, you can't stop this from happening. This has to be the most unfair and foolish policy ever! What gives this bank the right to decide that just because my account is for my small business they have the right to charge me overdraft charges just because they want to? This has happened before and I am sick of it.

Finally, the "personal banker" decided that because I was angry, the best thing they could do was hang up the phone on me. When I tried to call back, all I could get was an answering machine. I have no way to contact their branch president or anyone else in the system.

I am sick of BB&T. Someone should do something to make these people respect their customers.

BB&T must have a really old computer system. This computer system must need rest on weekends and holidays. Their computer does not post anything on weekends and holidays. It takes a week for checks deposited to become available funds and any payments made to credit cards must wait until the next business day to post. I deposited a check for $11,000 on Jan 7th. The funds were not available until the 14th. What were they doing that took so long? It doesn't take a week for a check to clear, does it?

Anyway, on the 14th, with funds available, I made a payment on my BB&T credit card which was due on Jan16th. Jan 16th was a holiday (MLK), so my payment was not posted until the 17th. In the meantime, I was charged $25 for a late fee. No other pay online system makes me wait for my payment to be posted. Not my utilities, not my TV cable, not my phone. Can these systems be better at handling money than my bank? If the BB&T branch was not next door to me, I would switch banks and I still may. My advise to BB&T is update your computer system. This is 2012 and not 1990.

I will state that all these complaints about BB&T are completely accurate. We fell in tough times and have been charged some overdraft fees, which many I accepted with no problem, no complaint. We deposit anything from $5000 to $7000 in our account every month. On 12/05/2011 and 12/06/2011, my account became overdrawn by $5.31. I have been keeping a register and have made sure I was not charged any more overdrafts. Once again, I accepted responsibility for the overdrafts, but I missed a small check and forgot to record it. Justifiably, I was at fault, but the end result is that my account was overdrawn by 2 charges and I was in the negative by $5.31. I was charged $70.00 for these overdraft fees. I could not handle this hit, so I called Amber at BB&T at the 800 number and was told that she would not refund either one of the fees. I asked for a supervisor and Amber stated that supervisors do not handle overdraft calls. Excuse me, what do they do then? Sit behind the desk and do their makeup and give themselves manicures? I found this to be unfair. I then tried to get resolution with the online division on this. I got more personality from Amber.

I decided, then, to contact the Better Business Bureau in Northwest North Carolina and stated what my complaint was. I spoke with Glynis at the BBB and it was referred ultimately to Lori in Spring Hill, FL where she claimed she was a regional branch operations manager. I believe the only thing she manages to do is say, "No". She brought up, rather smugly, the number of times I over drafted the account. She also stated that I have been "counseled" on how to manage the account. If being told "no" is "being counseled", I would like to see how I would be treated if I was completely ignored. She also stated that (the ever popular) "someone" contacted me from BB&T on 12/08/11. Well, neither I or my husband received a call from BB&T. Not on my cell, wire line, or office phone. Therefore, Lori, whom identified herself as a regional branch operations manager with BB&T, completely lied. That is right. She is in an extremely high position and she placed all of this in writing! I am not some schmuck, but in the legal world such correspondence written on business letter head and signed off by her is legal and can be used in court.

Between the times I contacted the BBB I got impatient and decided to write very professional letters to the CEO in Winston-Salem, NC and also the Regional President for the Gulf Coast division of BB&T in St. Petersburg. This was done on December 16 and I have heard nothing and probably never will. They do not care that I was negatively impacted. Well, here is something that is vindictive; I have already opened another account with another bank. We are slowly shifting our money over. It will take some time, but we are doing it. The consequence of this is that I lost $70.00. I never expected a full refund, but to be overdrawn by such a scant amount says a lot. I also have to deal with closing out the checking account and rearranging where everything goes.

We have a checking account with BB&T on August 2009. They took money to pay for the other loan, but this money was not paid to the loan, but was deducted from the checking account. I called and write a certified letter plus an email. I do have all records and figures amount, but BB&T keeps ignoring me and there is no answer for my concern. Where did the money go to!

Also, we did a short sale of the house last year, for 2 years we have been dealing with stress. They approved us with the normal written approval letter, but the day of the closing, they sent another approval letter that stated "without forgiveness". We filed the loss to IRS and the bank or the 3rd party (the bottom feeder) had brought us to court to get more money. Basically, they're double dipping to get money after they were billed out from our own money as a tax payer. In addition, they file their loss with all property under water. We are going to consult with a lawyer to mitigate this malpractice business of the bank. I may have an idea what type of lawyer we need, but we need someone who can redirect us to the right person who specializes in type of issues. Please email me.

I was referred to BB&T by a friend who knows the load officer there. I made an appointment with her and we completed the application to refinance our beach house because she said we could get it refinanced at 4.25% interest vs. the 6% we were currently paying. We completed the application together and I gave her a check in the amount of $425 to cover the appraisal fee. The appraiser came to the house and we got the results of our appraisal a couple of weeks later. Our house was appraised at $60,000.00 less than what we paid for it 3 years ago and it was also appraised at less than what we currently owed on it (our current mortgage is also with BB&T).

I was then told by the loan officer that the interest rate was based on the appraisal! Had I known this, I would have thought twice about refinancing. I was never told in the beginning that the interest rate was going to be based on the appraisal amount. With that in mind the refinanced interest rate would be the same thing we're currently paying (6%), so we lost $425.00 on an appraisal! The BB&T loan officer admitted she did not tell me that the interest rate would be based on the appraisal. She apologized, but I'm still out $425.00! I lost $425.00 on an appraisal because the loan officer lied to me and withheld information.

I've always been pleased with BB&T, until a recent event. I was divorced and my ex-husband and I had a joint account that we kept open, until all of our financial dealings were done after the divorce (sale of home, payoff of credit cards, etc.) My ex moved to Ohio, which has no BB&T branches. I moved to Kentucky with my job, and there are branches close to me. I closed the account in July 2011, with no awareness of the overdraft credit account needing to be paid (about $80.00) at the time. The bank closed the account, but didn't inform me I needed to pay this amount. So I go on my merry way, thinking everything was done.

In October, my ex got a letter stating we owe BB&T $178.00 and we are late in paying the amount. I ran to the bank and paid it, thinking it would be final. Now, they have reported it to the credit agencies, and we show a "recent" delinquency to our credit. How can a bank close an account, and not close any other account associated with it? It doesn't make sense. I've called the person who did this, and she said she called the main credit office, and they won't remove it. All we can do is dispute this with the credit reporting agency. What a crock of bull. I'm still fighting this issue. I don't really know who to call. My ex and I had great credit. We had just finished paying all our debts, and started moving on with our lives. We had an amicable divorce. This just sucks.

I have had a car loan for almost six years with BB&T and I have paid on time every month the whole time. Within the last few years, I have been deployed and I paid more than what the loan agreement was set for--due to that fact that I didn't owe them a payment for over a year. Now, payments are due again and they want me to pay the exact amount the original loan was set up for, but that would have my loan paid off earlier than the original loan agreement. I asked them if they could adjust the amount due per month but they refused. They told me that I have to pay off my loan early. Now, not even one day after my payment is due, they are calling my home phone numerous times one after another, and the same goes for my cell phone.

My wife and I wanted to build a house and needed a construction loan. We drew our own plans and searched for the perfect piece of land. It was exciting. A BB&T "competitor" had our checking, savings and credit card business. Naturally, we believed it would be easy for them to help us with the construction loan. Time after time the "competitor" stumbled, lost the paperwork and couldn't lend us the money in time to fund our contractor.

We literally walked across the street to the BB&T branch and they immediately went to work on funding our home construction loan! In less than 2 weeks, we had funding and our home project launched on time. When it was time to move into a mortgage loan, naturally we selected BB&T.

BB&T bank cares about its customers and they made it possible for us to build a new home. We are grateful for their excellent service, follow-up and can-do attitude. More banks should operate like BB&T.

If you're looking for a bank that wants to see your money grow do not use BB&T. I always had a problem with overdraft fees, and no matter how hard I tried to manage my spending with my debit card, I could never get my transaction timing and their timing right. When I called customer service to see what I'd done now, there was always a problem with things like, items pending, timing of transactions, them holding debit charges, then charging you 35.00 for overdrafts, that technically shouldn't be overdrafts. You cannot communicate with customer service, unless you agree with them.

The last draw with my checking was when I had a auto draft for a bill stopped with the company, it ended up going through anyway, which then caused me a 35.00 fee. The company gave me the run around about refunding my money but did agree that they should not have run the draft. If my bank would not give me the money, if I could get a letter from the bank stating that the bank would not refund my overdraft fee, (that's a whole another run around story) they would then send me a check. Ok, go to BB&T, teller can't help me.

Leaves my info with head lady, she calls me, I tell her I either want my overdraft refunded or can I get a letter stating they will not refund my fee. She of course has to look into it, leaves me a voicemail, what exactly do I want her to do. I then leave her a voice mail.It's simple. Give me my money, or give me a letter that you won't. I still have not heard back from her. So that account has been closed with 300 some odd dollars owed in overdraft fees! So, I then began using my savings account. Which they then closed due to excessive transaction use, which is 6 transactions per month, and is supposedly a federal law? BB&T will gorge you with fees! First it will be a 2 dollar fee, the next statement will have a $2.00 fee plus another $2.00 fee stuck in the middle somewhere.

This bank will cause you heartache and headache! And I've also noticed at the branch I dealt with, every few months the entire staff of branch managers (people in the back) would be different! Banks need to be about longevity and helping customers manage and maintain and build their money.

I need help! Please, can anyone tell me what can be done about this (if anything)? When I use my debit card and the money is held by the bank for the amount of whatever purchased, that amount is considered a pending transaction and has been deducted from my available funds. If I make several debit card purchases and the bank deducts those amounts from my available balance, these purchases are also in pending. If I happen to make a purchase that overdraws my account by a small amount, when the above pending transactions fall into the posted transaction, each one of the charges that falls from pending to posted (even though the money was held by the bank when the purchase was made), the bank charges me an overdraft fee of $35.00 for each transaction that the bank has held the money for. To me, this should be highly illegal. I think this is stealing by BB&T.

I've wanted to close my account there for about two years or so. They "bank" on me being too busy to. They were right but the recent checking account fee's were the straw- $10 if we don't keep at least an "avg daily balance" of $1,500 in our checking account (which, mind you, is not an interest bearing account).

Result: I paid off my equity line, refinanced a second (subordinate) away from them and I just closed my account(s). I feel much better now. Horrible customer service considering the fact that I hand my money over to them to do what they will with it. I hated walking through the front door of any branch. If I could have rated them a -5, I would have. If you have thought about closing your account, do it today; you'll feel much better after you do!

I viewed my account online and noticed a $175 overdraft fee again (yes I said again). And when I wrote the BB&T online email support and asked them why my account had been overdrafted when the money was there, their response was that I had a hold on my account for $392.32 to Wal-Mart. So, at the close of the day, I was -$572.00 making the other 5 transactions overdraft. I told them they were wrong and couldn't charge me overdrafts on those 5 items. The $392.32 didn't even exist, because I hadn't even made that transaction until between 7:30-8 pm that night after the bank closed. My husband's check was already a pending transaction and was in my available balance. So, I went ahead and went to the grocery store, because it wouldn't be processed until the next business day anyway. And my husband's direct deposit was pending, so I figured I'd go and get it over with.

Then, the woman tried to say, "No, you made that transaction before close of the day." And she refused to give me overdraft fees back even when I showed them the Wal-Mart receipt that said I hadn't even made the transaction until after that closed. Now every time I write them a message, they just say overdraft fees cannot be returned, and that if I need further help, to contact them and that's it. My questions were never answered. BB&T does this to our account around every 6 months. And even after they say I owed overdraft fees and took them out, I still have a positive balance at the end of the day.

So how can I be overdrafted and still have positive balance? I ask that they reply. They can't give me overdraft fees because they see no bank error. I have all the paperwork, mobile alerts, and everything. And still, they are not even scared and refuse to return my money. Now they have also been doing it every other week, taking $35 and $70 overdraft charges on transactions that were not even overdrafted, to where I still remain with a positive balance! I'm so tired of them stealing our family's money!

I recently refinanced my house and paid off my loan with BB&T Mortgage company. This was in September. I am supposed to have received a refund on my escrow account of around $2,000.00. I have not heard anything from them or seen the refund. I have spent the last several days trying to reach them by phone to check on the status of my refund but have found that after being on hold for as much as 6-7 hours a day on several occasions that it is simply not possible to reach a person that can be of assistance.

I have run into this same issue of trying to get other problems resolved in the past with this same company. I have also emailed them and have not heard back. At this point, I am at a loss of what to do so I am writing to you for your assistance. Below is my contact information as well as the contact information for customer service at BB&T Mortgage. I would also like to be informed if there are any other legal actions I can take against this company and if they have violated any laws at this point. I am seriously considering taking legal action if this is not taken care of immediately.

I have had accounts with BB&T for almost 10 years. I had a personal checking, business checking and personal BB&T credit card. On September 28, I transferred over $16,000 to my BB&T account. The amount would show but the funds did not become available.

Initially, I went to the teller at the bank and the teller called their head office to inform me that it would take three days before I can use the money. After three days, they said five days, then 10 days. After the 12th day, I stopped at the bank and demanded my money because their help24 line was of no help. A rude employee tried to take me as if I was born yesterday, making excuses.

Anyway, from the branch, they couldn't do anything and gave me a form with a case handler's contact who left me a voice mail on my phone at the end of the day telling me to her, Belinda **, the next day. Her number is **. I called her next morning and she was nasty. She kept telling me 10 days. I asked her to count her fingers, it has been 14 days. I told her what the ** the bank is trying to do with me and I'd sue the bank if they plan to steal my money. She was quite agitated. She talked to her boss and told me that she needs to make sure I am genuine so we made a conference to where the money came from, all validations until she was satisfied. Then she said I'll receive the money after midnight, which wasn't true.

Anyway, I thought the ordeal was over. A few days later, I found most of my other cards aren't working. I couldn't even access them online. I called the bank and no one would talk to me. BB&T help24 asked me to go to their branch, they won't tell me anything online.

Going to the branch, I found out BB&T representative Belinda ** reported me on highest risk and they closed all my personal, business and merchant accounts without telling me at all. No warning. She reported to credit bureau and had ruined the my credit and my corporation's. So I took whatever money I had at BB&T and came home and got a report from Dun & Bradstreet that there has been excessive investigations on my business credit.

I got my August statement with a $4.00 service charge. In September the same charge shows up again. I went to the branch and they told me that I have to make a minimum direct deposit to avoid the charge. They refunded the September charge but can't do anything about the August charge. Ok, it was not right but the customer service person tells me there won't be any charges going forward.

I immediately arranged for the required direct deposit. I got my October statement and there is a $12.00 Maintenance charge. I made the required direct deposit during September. I tried their frustrating phones with no success. I sent an e-mail message and got a reply back that I have to maintain a $1,000 balance. This is not what I was told at the branch. You won't find any of this on their website.

According to the website policy I made the required direct deposit and I'm over 55 years old. I've got hard copy printouts of the policy & my account activity over the 3 months in question. I never got any messages to my B&BT message box informing me of the new charges they implemented or why the charges changed month to month. This is totally irrational. Customer service is not being polite in fixing the problem. I'm off to the branch again. I used this account primarily for ATM access while traveling but not anymore.

Their phone system makes you go around in circles. When you finally get someone, they are rude and unhelpful. I asked for a manager, and there was only one there, and they were out to lunch. I then asked for a more convenient way to contact this out-to-lunch manager, but they said there was no way. I would have to go through all the phone steps again, and the manager cannot call me back. What is that? I plan on switching banks.

October 4, 2011 was one of the toughest days I have had in a long time. It began by me checking my balance which reflected that I had $0.00 in the bank. I did not get alarmed at the time and contacted a customer service representative. When talking with the customer service rep, she could not tell me what happened to over $3,000. She was rude and indicated that I needed to go to a branch. I got off of work and went to a branch in Laurinburg, NC at Holly Square. Again I could get no answers. The branch manager basically told me that I must have a lien or I owe the IRS but she had no specific answers and could not tell me what happened to my $3,000. After staying at the bank for over an hour, I caught a migraine and decided to go home and calm down. After a couple of hours I began to call branches and the free customer service line again, but still no answers.

After the third telephone call, I finally was able to speak to a representative who was dedicated to assisting me. He informed me that BB&T had closed my savings account due frequent activity. So after taking a day off of work to try to locate my money at 4:50pm I was told that a branch in Lumberton, NC had a cashier's check with all of the money that was in my savings account. BB&T never contacted me once to inform me that they were closing this account. Instead they took the money, put it in a cashier's check, and it was sitting on someone's desk. When attempting to find my money, I was accused of owing the IRS and having liens against my account, that I did not have. I am troubled that they were able to do this.

I purchased Quicken via the BB&T website to track taxes and spending, as they suggested, when money stopped supporting the program. They charged me retail for Quicken. And they wanted to charge me $4.95/month for the connection to download the checking information that I had been downloading for free. I contacted them. They said I could download it to Excel. But the Quicken that they had me buy does not import from the Excel or the comma delimited. I bet they got a good commission for the Quicken. And I feel rooked and crooked by BB&T's sneaky tricks that locked me into a program I cannot use for a fee, that I had never paid before. I still have Quicken. But I told them to download the stuff and track the account by Excel and do much more work.

I was sick this week and was a week late with my car payment. I received a call from BB&T on Saturday at 9 AM to collect money as if I was months late or have not made payments for the last 5 years. If one of my clients was a week late with their payment and I called them on Saturday morning at 9 AM, they would no longer be my client. Why is there a disconnect between BB&T and the real world? I encourage all who read this to avoid doing business with this company.

If I write someone a check for a hundred dollars, I expect my bank to give them $100. If I cash a check from someone else at their bank, I expect their bank to honor the amount on the check, just the same. There should never be a fee to cash a personal check at the bank that it was written on. I have been charged $6 and then $8 to cash personal checks at BB&T. This is completely wrong, unfair, and should be illegal. I will never ever have an account with any bank that charges people to cash checks that they should honor.

I was charged $236 for "service charges". Huh? I called the 800 # and of course they were rude, non-caring and blunt. They said that these fees are added-up and subtracted for the month. Huh? I did three wire transfers in August. They charged me $60 for each? That is unfounded.

The Small Biz online fee schedule shows $15 and nobody told me in the branch. Why would anybody pay that? I have four other banks and none of them charge even close to 60 dollars. I would have walked out and swore never to return. I should have been told that they are outrageously priced. $236 just taken out of my account, with no warning. Again, insane!

Every time I turn around, they are overdrafting me. I opened my account with Colonial with free checking and overdraft protection for free. When it became BB&T, they were charging me for overdraft protection for $30 a month, checks were no longer free and they have $8.00 charge for something all which I knew nothing about until they Kept overdrafting me. I would not even put what I made in my checkbook. I would put what they said and still overdraft? The worst bank in town.

Back in 2008, I purchased a car for my sister. I live in New York and she lives in South Carolina. The salesman, financial advisor for Dick Smith Nissan, discussed the deal with me. He showed and led me to the car and let me drive it. This truck was not yet on the used lot yet, he explained that it was in good condition. I asked my sister how it drove and she said it drove well.

This was not the car we wanted originally and were approved for. They didn't have the color she wanted in the Murango and they said that they would have it in four days. Now when I went back in the time specified, Eddie, the salesman reigned on the deal and told my sister that I didn't have any recourse. We didn't know any better so she accepted the truck and went home.

About seven months of driving the vehicle, parts started dropping from underneath the car. The service manager did not know what the parts were. I started with the salesman that sold me the car. He told me to speak with used car manager and the used car manager told me that my credit was over-extended. I then tried to get in touch the sales manager and after many messages and months went by, I finally spoke with him. He laughed and said that this not anything new and he laughed again. His response was quite strange and irrational. Needless to say, after several months, I spoke with the GM. My sister met with me and several other managers. The GM concluded that since it was not yet on the lot to be sold, it should have never been sold. He informed her that the vehicle wouldn't last before my last payment. He suggested that they would fix the eroded and rusted out parts.

The entire under bottom of the truck was totally eroded and rusted. We didn't realize the extent of the car's damage until a mechanic explained to us that if at any time one of the parts they claimed to replace would give out, it could be deadly to my family.

A few weeks ago, a Jennifer ** called and said to me that after hearing that I was at a medical specialist several times a week trying to hold off renal failure, she looked at my case and told me that I was approved for a refinance for the truck. I was so happy and because I could not get out, she would send me the papers. After a week later, I called the 1-800-954-6416 and spoke to this same person who apologized for not having sent the packet; she would have the bank over-night the information.

Something didn't feel right, so I called about her and asked if she worked there. I was told that there were two Jennifer there but they didn't work in either of those departments. And someone who worked in for BB&T loosely. Margie called me from legal to tell me that they hadn't anything to do with refinance and were going to repossess the car. I asked them how did I got to approved for refinancing to repossession. My sister spoke to a Randy in repossession and he asked her why she didn't investigate Jennifer **. Margie told that the company would take action off the car even if it was a lemon and we would pay the difference. My lawyers that originally retained for Dick Smith Nissan were floored.

I took out an equity loan to pay off four accounts; two installment loans, and two revolving credit loans. Only the two installment loans were to be paid in full, and the accounts closed. The two revolving accounts were to remain open, as what was stated in the contract I signed. Someone at BB&T sent a payoff letter to GE CareCredit to not only payoff the loan, but to close the account entirely. We had that card for over two years and have not lost that credit history.

CareCredit refuses to reinstate the card even though it was closed fraudulently. BB&T was in no way authorized or instructed to close this account. The best BB&T can do now is to offer us a new credit card, in which we will need to build our credit history. This is not fair. The bank should not be allowed to get away with closing someone's account, and the GE CareCredit should not allow anyone other than the cardholder to close the account. Both of these businesses committed fraud.

I will keep it short and sweet. I am a student and a I have a student checking account with BB&T. I ordered a check/debit card so I don't have to carry around cash all the time or have to constantly go to the bank in order to make purchases for things. Now, I don't buy a lot of things anyway. In fact, the most I've spent my money on is for books and part of my tuition.

Anyway, the first time I ordered a check card, I received it within two weeks as promised, but then I lost it about four months later. So, I reported it lost and stolen, canceled it and then ordered a new one via their website. I was supposed to receive it within 7-10 days. Well, I didn't. I thought that I would eventually receive it, so I waited another week. Two months have passed and I still had not received it. I went to the bank and ordered one there in person. The woman who placed the order for me told me that I would receive it in 7-10 days.

Well, I am typing this four weeks later and I still have not received the ** card. I honestly don't know why this happens, let alone twice. I have tried speaking to a bank representative on the phone once, but they don't really have someone tasked with listening to problems/complaints such as mine. And the woman I spoke with said that she was transferring me to another department, but actually, she just sent me back to the main menu.

Now, I really don't relate the terms 'customer service' to my experiences as a consumer; this just smacks of horrible customer service. I can use checks in order to pay for books and tuition. But what about everything else? I do not want to carry cash around nor do I want to make frequent trips to the bank in order to withdraw money. Both of these options are inconvenient. I'm just going to have to go to the bank again in person to see what's going on, but I doubt things will change. I'll probably order another check/debit card, be promised that it'll be in my mailbox in 7-10 days, and then wondering two to three weeks later where it is.

Family lost jobs within two weeks of each other. I contacted lender and asked for help. I was told that they could help.

Three weeks later, they started foreclosure. We filed bankruptcy. They sent a Co. LPS to inspect the house. LPS said the house was vacant. Lender then contacted insurance company and told them this. The policy was cancelled and we fought like you-know-what to get this all cleared.

This has now happened three separate times. I called to solve the problem and ran into more people that did not seem to give a hoot and should lose their jobs. I have now made it my life's goal to make sure BB&T and LPS regret doing this to my family.

Do not under any circumstance deal with BB&T banks or their insurance or mortgage companies. If you do, you can be rest assured this will happen to you. Take your $ somewhere else.

BB&T acquired our line of credit from another bank. It was converted to a regular loan. It took them months to get us an invoice and a billing address.

In this time, they charged us over $2,000 in late fees. Once we got this resolved, the payments have been current ever since.

Now, they are charging us "assessed attorney/title/misc. fees", which exceed the principal payment due, so we will never get this paid off on time. I do not know what these fees are for and have requested an explanation for them. These misc. fees have already exceeded $1,500 in the past few months.

You should watch out for an ambush. This bank charges $10 if you use Quicken software to keep track of transactions or balance. There will be no warning wham $10 for information. Wow.

I had an account with BB&T in 2004. They signed me up for an identity theft prevention program (that I didn't authorize) that drained my account. Being a Christian, I decided to give them another chance. I just opened my account statement for this month, and they closed my account and charged me an inactive account fee. I will never bank with those bandits again; their employees obviously, have sticky fingers.

I opened a free personal checking account to avoid fees. BB&T changed my account to a fee-based account without proper notification and deducted $10.00 from my account on 7/7/2011. In addition, I asked them to use online statements to avoid a $3.00 statement fee. I was also charged $3.00 for a paper statement. They said I could unclick the paper statement option online, but the system would not allow me to make the change.

Back in January 2004, I had an account with BB&T which has been closed the same year, not knowing that I owed them anything. On May 2011, I opened a checking account at their branch office in Wildwood, Maryland. On the first week of June 2011, I was surprised that I received a letter from BB&T, but from a different branch. I read the content of the letter stating that it was an attempt to collect for the amount of $720.23. I then sent them a registered letter with a return receipt to dispute the charges. On June 28, 2011, I received another letter from Aaron **, along with copies of my bank statement.

I then reviewed the statement. The amount that was charged to me were all accumulated overdraft fees. They closed my account for lack of activities, such as making a deposit, or myself doing some transaction. If they choose to continue processing whatever transactions without funds, then when they think they charged me enough, they closed the account. I should not be penalized for their wrong doing. Then, seven years later, they surprised me with the collection. I'm in the process of doing some research. I think they're taking money from my new account.

Someone made a deposit to my new account, in which the person's account is also with BB&T in Ronoake, Virginia. The person's account showed that the amount was already debited from his account, and deposited to my account as of July 1, 2011. The branch where I bank never received the deposit. Maxine ** at the Wildwood, Maryland branch has been told from the person who's in-charge of their online banking that they're doing their research if where the money went. Please give me some advise on what can I do. Thank you for your cooperation. Sincerely, Mercy **

I got charged $10.00 for maintenance fee. I didn't agree and needed my refund from the bank. I have been calling the call center, but no one would help. They told me to contact a local bank, for they should be able to refund. On Monday, I called the local bank on East Bay Drive. Justin was the one to pick up the phone. He put me on-hold for a while then, told me to leave a message and someone will call back in about an hour. I have been waiting without getting any call back from BB&T. Since 11:00 in the morning until 4:30 still, no call. I called back again. This time, a lady picked up and gave me an 'attitude' and said that everyone busy. They had a customer; and how about me? Am I not one of your customers? I asked for a manager, but I got an unbelievable answer that they don't have a manager there. They will get one, when they will be hiring. What a joke! I was so upset and I had to drive over there to close an account. I walked in without any smile or greeting from both of them (Justin and Trisha). They both gave me the cold shoulder without asking me if I needed assistance. I had to wait until I had to open my mouth and said I needed help to close my account. No one cared to ask what the problem was. I think they really want to go home and leave a problem behind. If I have to deal with these kinds of people, I would rather not to do any business with them forever, especially that they call themselves financial professionals.

So much for BB&T supporting our military! I was recently charged $13 in service fees. I am currently deployed in Afghanistan and because my civilain job is not currently making an direct deposits into my account, BB&T states that even though I have a direct deposit set up on that account and have had for 20yrs, that they will not credit my account and have to charge my account $10 each month. I promise I will have someone go to BB&T and close my account and encourge everyone else to do the same. Spread the word!

I received a copy of my credit report in the mail that I never requested from BB&T. It said that the credit check was in response to a credit card that I never applied for. My wife and I have had a BB&T joint checking account for years and I had made a deposit at the H St. branch ATM in DC in May 2011. It turns out that a "relationship banker" at this branch used the information from the deposit to sign me up for overdraft protection and this credit card. I never consented to either, and since my wife and I have both of our paychecks direct deposited into our account and have never overdrawn, I don't know how this person decided that we were candidates for it. I immediately cancelled the credit card and supposedly, BB&T is investigating the matter.

BB&T Bank in Fairfax, Virginia stole $10 from me for "checking account maintenance fees" after I opened a no fees account with them specifically for the reason of avoiding fees. They did this to me by switching the terms and conditions of my checking account without properly notifying me they were doing so. My account at BB&T was only worth $84.00 so this $10 "maintenance fee" amounts to a 20% assessment!! I had left the account open at BB&T since they told me I had to to keep my Safe Deposit Box there.

Watch out, don't bank with BB&T. If they did this to me, they will do it to you!!

My husband solely owned a construction business (LLC) for five years. In 2009, the business began having financial difficulties due to the economy and had to close. A few creditors put liens on his business property etc. One in particular, 84 Lumber, requested a lien be put on all his accounts. The only checking accounts and savings accounts that he had were personal joint checking and savings accounts with me. In the state of Maryland, it is illegal to put a hold on a joint account. I was not named on any lawsuits etc. and I was never an owner or stakeholder in the business. We spoke with the garnishment department about this and they said there was nothing they could do.

They held up over $3,000 worth of our money. We had nothing to live on. We were unable to pay our bills and buy food. We were given no notice of this action and we had to borrow money from family members to survive until we got back on our feet. BB&T wouldn't remove the hold. This was August of 2009. It is now May of 2011 and the account is still on hold. We contacted 84 Lumber's lawyers and they stated that they never got a pay out from BB&T. So, if BB&T never sent the money, why are they still holding it? The lawsuit has been dropped and still, they won't release our money. I am very, very frustrated and have no one else to turn to. I can't seem to get any straight answers from branch managers in downtown Frederick, Middletown and Walkersville, MD branches.

In 2004, my daughter, Michelle and Son-in-law, Aaron, purchased a home in Maryland. Shortly after that, they refinanced the home and obtained BB&T as their mortgage lender with an interest only balloon mortgage and payments of $3100.00 a month going to BB&T 100%. My son-in law has the highest security clearance that is possible and has worked extremely hard to get there, on his own. My daughter also has a security clearance but nothing like Aaron's. We don't even discuss his job or know what exactly he does but he is not allowed any foreclosures, bad credit, late payments or anything bad on his record or he will loose his job.

Back in 2009, he was notified that his company was transferring him to Colorado work. So they notified a realtor at that time who advised them that they are upside down in their home. They didn't know what to do exactly and were very stressed and afraid of Aaron loosing his job. Someone suggested that they contact BB&T and check out a short sale since a lot of other people were doing the same thing. They contacted BB&T Loss Mitigation Department and spoke to a gentlemen named Steve. He advised them that renting would be an option because he was leaning towards them owing money which they didn't have.

The realtor they contacted did in fact find someone to rent the house but not at $3100.00 it was $2500.00. Before renting this home, it was broken into and my husband and I paid $1200.00 in repairs because they didn't have the money. They were paying rent in Colorado and making the difference up on the home in Maryland. After a year, the renters decided to leave and the house became vacant. Michelle contacted the realtor and they found a buyer. Once again the Loss Mitigation Department was contacted and a Kade ** was their representative. He said that they would short sale the home but that Michelle and Aaron had to pay the difference. They kept asking if they had any cash. I spoke myself to Kade ** supervisor because my daughter kept telling how pushy they were about them owing money. She was frightened that Aaron would lose his job, the house would foreclose and they would end up with nothing.

The day I spoke to Kade's supervisor, she again asked me if I had cash money. I said don't you think that you have gotten enough money from them already; they have given you almost $200,000 in an interest only balloon mortgage and they don't have a dime, her comment was yes, we took that into consideration but they signed a contract, which she kept repeating. By the way she asked me, knowing I was the mother and my name was not on the mortgage that if I gave her 70,000 dollars, the deal would be sealed. My reply was, I don't have that kind of cash.

In my opinion these people are ruthless and are only out to make money anyway they can with some of the shadiest business practices I have ever seen. I then called my daughter and told her what they said, she said, "Mom, we are stuck and I don't know what to do, and I didn't want to lose my job or Aaron lose his and these people won't budge, in my opinion they were playing Hardball." BB&T knew they had two hard-working individuals infront of them and they knew Aaron could lose his job. I'm sure they saw that they were both stressed and under pressure, so they made them sign a promissory note for $110,000 because they said they owed it and they also could have written this off but BB&T was just greedy and wanted more money.

By the way the interest only balloon mortgage doesn't exist anymore. BB&T made $200,000 on a mortgage, $110,000 on a promissory note and $389,000 on the sell of the house, that is $689,000 on one house and my daughter spent $300,000 in a six-year period and doesn't even have a penny in her pocket, nothing but a lot of debt and stress in her life.

Trying to hold onto two residence put a strain on their relationship. My husband and I were always contacted whenever they needed money because they were so strapped. There was constant stress in their life so much that at times I thought they would even separate, this also added stress on my husband and I because we knew what was going on and couldn't do anything about it. During the move from the rental home to the home they now own in Colorado, they were so strapped for money that they moved themselves. My husband and I called a moving company for them to help and they use them for the large items but they did most of the moving themselves but to make a long story short, my daughter injured her back and was disabled for a year. I had to help once again with doctor bills, physical therapy bills and money from time to time, this again added stress at her job and on her marriage.

This promissory note needs to disappear and BB&T should give them money for all the stress they caused us. I reported BB&T to the North Carolina Banking Commission and they told me that BB&T did a lot of interest only balloon mortgages in the State of Maryland, so I am sure that there are others out there in the same boat. No one has done anything to help so whatever you could do would be a miracle come true.

I have two loans, call them A and B. "A "is a long term loan, Loan B is a LOC (line of credit) renewed every year. I've been with the bank since 2007, refinanced with them.

The time to renew the loan B came up in mid 2009. My bank did not want to do this and wanted to convert it into a loan. I showed them the financial and told them to leave as it is since I could not pay them the terms they wanted to set. Since my business is seasonal and the general economic climate is severe, I asked if they could give me a longer term for loan "A", which never happened. Also, proposed for them to consolidate the two loans and give me 20 years to pay which was a no-no, too. In effect, they even increased the interest rate on both the loans. Then I asked for help to see if I could just do interest only payments (loan A) for the winter period in 2009, but got no answer from them. I still managed to pay as usual per agreement.

Meanwhile, Loan B was getting renewed either monthly or every 3 months with fees being charged on every occasion. Once the season was in play we were fine although the sales were a little down from previous year. But come the winter months of 2010 and we were still experiencing the recessionary decline in sales, once again we asked for help and got no answer. So, finally, I did not pay them for 3 months. They were still not willing to work with me in any way. Asset recovery people took over my loan. This was always threatened to me since September 2009. It felt they just had it in for me, even though I never paid them late till December 2010.

In February 2011, they wanted me to enter into a forbearance agreement with a higher payment for 3 months. I counter proposed and it was just ignored. I still paid them what I could afford till April 2011. This week on Tuesday, the BB&T officer decided to take all monies in the account to offset it against the loans without informing me. The next day (May 11), I got a letter from their attorney, letting me know that they're exercising their rights to do this as per my agreement with them. Then on Thursday I got my foreclosure notice to take place next month. The letter was dated May 6th and post marked May 12th.

Meanwhile, I offered an offer in compromise which after 10 odd days they accepted, but I had to find the money in 7 days! (almost $435,000). Meanwhile, I had a buyer who tried working with them which they ignored, he was already a BB&T account holder in good standing. He even tried to negotiate with them through a third party bank but still nothing's done. It almost feels like a personal vengeance or a grudge rather then a business decision from the bank. They are so determined to foreclose on me it is unbelievable. They absolutely know as they have an appraisal with that they will not provide me as I have not paid for it, although they have charged my account! Yes, they will make a loss and they are also determined to come after me personally due to the personal guaranty even though they know that they will not get anything from me.

Since mid 2009, I have dealt with two bank managers and two asset recovery people. Somewhere also last week without informing me, they also decided to cancel my company credit card. Just amazing at such a poor attitude from BB&T and their policy makers and their enforcers. God Bless them all because I am struggling to, still trying to, but struggling.

Personally, I think they already have their preferred buyers ready to sell to and they have to go through this process to get some kind of insurance money and or backhanders from some big shots who have a pile of cash and cash is king in this world!

From June 7th, once this business is foreclosed on, I will not be able to keep up the payments to my home and my children's' education. This is going to be a ripple effect. The funny thing is that my mortgage is with BB&T and my car loan, too. This will be a case for a bankruptcy attorney in the end. No more entrepreneurship for 7 years, I guess.

Last year I chose to refinance a vehicle I own through BB&T Bank. I was lead to doing so through an acquaintance at my local branch. Conditional to the loan was opening a checking account with them, and paying the loan automatically through that. Everything seemed fine until about six months later when I changed my insurance company on the car. I didn't know this at first but the new insurer did not have the correct address to report the car as insured to the lien holder (BB&T). As a result they began charging me for a forced insurance plan.

A charge began being added to my automatic payment every month for four months until I finally noticed that my balance was much lower than it should be. After discovering what the problem was, I contacted the bank, sent them proof that I had always had insurance, and was assured that it would all be rectified. The next month I was charged again for the forced insurance, and my money was still not back in my account. After a few more lengthy phone calls, I decided to deal with it in person with a bank manager. I was reassured that it would all be straightened out. That was two months ago. The money I am owed (over a thousand dollars at this point) has still not been returned, and I am still being charged.

The last time I spoke to someone at BB&T, I was told that it was not a refundable issue, that the bank is going to issue a refund to the loan account itself if and when they determine I have not been negligent in keeping the vehicle insured, meaning I'm just **. I will not see over a thousand dollars returned to my checking account at all, and the best I can hope for is it being credited to my loan account so that I finish paying it off a few months early, years in the future. I can think of a lot of things to use a G on. This is most certainly not on my list.

I recently fell to some financial hardship and asked my mortgage holder, BB&T, for an adjustment. I faxed my documents several times and for weeks, no response. I was denied the adjusted rate three months later. I have actually tried to bring my loan up to date, but the bank refuses my payments. BB&T states that my mortgage is in the hands of a lawyer, and that I will have to pay lawyer fees due to the lapse in time. I am in the military and am willing to do whatever it takes to get my mortgage up to date. I will be grateful if someone could help resolve this situation with minimal consequences. I appreciate your time and efforts.

I have been trying to close a real estate residential loan with BB&T, and I have been given a good faith estimate and also truth-in-lending documentation showing my intention and the bank's intention to proceed with the loan with 10% down. At the last-minute three days prior to closing, BB&T has now stated that they will do the loan only if I put down 20%. This wreaks of predatory lending by making such sweeping changes merely days before the closing.

I'm already on my second extension because of BB&T, and I'm backed into a corner. I've been jumping through hoops for nearly 4 months now to meet all of the requests and requirements of the bank. All during this process, I was led to believe by all parties at BB&T that I would get a 90% LTV with no PMI at an interest rate of 5.25%.

My conditions as I understand them were to establish a banking relationship with BB&T which I am willing to do. These terms offered to me during the last 90 days caused me to turn down other 90% loans from several other lenders. I really don't understand the switch at this late time. I committed to renting the home for two months to give BB&T time to process the loan without a rush. I did this based on commitments from BB&T representatives that I would get a 90% LTV with no PMI.

My lease is up in a few days, and now. I am under the gun on what to do with the loan conditions that BB&T has suddenly dictated. I really don't understand why it took 90 days to come to this conclusion, all the while telling me that I was going to get a 90% LTV with no PMI.

In June 2010, I became aware my mortgage loan was later, a conventional loan 5.5% for 20 years. I'd made all my payment later in Oct. The bank sent me foreclosure papers. So I sent copies of all my payments and checks to the attorney handling the foreclosure. But it has been no response. Between these times, I discovered the bank had paid 5 years of property taxes and taken over $17,000.00 from my mortgage.

I do not and have never had an escrow account. BB&T still has not corrected my account or fixed my credit report, which shows my payments later for over a year. Help. This is outrageous robbery. My payments have been excellent for the 7 years I've had this loan.

My wife's 96 year old mother has a checking account with BB&T, in which her SS check is directly deposited on the 3rd of every month. Every month, two checks are written from her account to pay the nursing home where she lives. Because her SS check is deposited on the 3rd of the month, the checks are always dated the 3rd of the month and mailed so as to arrive at the nursing home on the 3rd.

This month (March) they arrived early, on the 2nd, and were deposited immediately. The bank honored the deposits even though they were dated the 3rd and then charged my mother-in-law $70 for two overdrafts. The bank said they did nothing wrong and won't refund the overdraft charges. There was enough money in her account to cover the small check but the bank took the large one out first so they could charge the 2nd overdraft fee. The bank couldn't be bothered to check the account history to see the activity. There was no concern for the customer. It looks like this was seen as another opportunity to gouge a customer. A complaint was lodged with the BB&T branch in Vienna, VA on 03/08/2011.

I would like to file a complaint on BB&T bank. They are billing fees to consumers when, really, they shouldn't be. On 1-26-2011, I had a balance of $308.00. I used my money card on 1-27 and on the morning of 1-28. I also received my pay check credit in the morning of 1-29-2011 for $617.58. On 1-28 at lunch, I wrote a check for my car payment. The bank made sure they took that out 1st to overdraft my account for the debit card purchases that they already said were good. They charged me $105.00.

I spoke with Diana ** on 1-29-2011. She said she would check with manager for the credit and call me on 1-31. It never happened. Today, they charged me another $105.00 for purchases from 1-27 and morning of 1-28, when I had money and still have money. This bank, in this day and age, is charging exuberant fees, and I need someone to help us. I can't take it anymore. I don't have $210.00 to throw away on fees. I agree that the check for my car, I shouldn't have wrote, as my pay check didn't go in until the next morning, 1-29.

I have been with this bank over 21 years, but I feel as if someone has to step in. Then, I checked and they over drafted me again on the 31st of January, when they told me that the funds were available on Saturday, the 29th, from my paycheck. My husband saw them and they tried to blame it on my employer, saying they said to not to give me the funds. If that is so, why did my account say on Saturday that the funds were available? It didn't say that I was overdraft, but it said it was available.

Please help me. My husband hasn't worked in a year, and I don't have money to throw away to make the banks richer. I have never over drafted my account on purpose, but I feel that the bank is wrong and I need your help to get my money back. Thank you so much for your time and help in advance.

When my husband went down there today, they said that they would credit $51.00 out of $210.00. I mean I appreciate that, but since I feel this is the bank just trying to get money from us customers, I feel someone has to step in. Thanks.

Once again this problem has come up! BB&T, what are you going to do about it? I go to an ATM to withdraw money and when it accepts my card someone else's name pops up on the screen! What are you going to do about it?

I have contacted BB&T over this issue in the recent months and nothing has been done about it! I'm very concerned that if I withdraw money from this ATM (when someone else's name pops up on the screen, that I will be facing arrest and a possible felony conviction). Who says I'm not cleaning out someone else's account? What are you going to do about it? However when I call the various "Help lines", I'm told this will not happen, yet this is very little comfort when the potential risk of sitting in jail is very real. Likewise, I will not whittle my time away in jail unproductively, rest assured I will be consulting with a lawyer as to the best way to sue the living crap out of BB&T!

This problem has been going on for several months now! What are you going to do about it? Once again if BB&T don't, won't, or want to fix this problem then come clean about it! Here's an idea BB&T: right off, fire the buffoon, who cannot straighten this out! Better yet fire the buffoon who hired the buffoon, so as to ensure you break this continuing cycle! Obviously someone's judgmental skills at the hiring process are seriously flawed. What are you going to do about it? Once again BB&T, answer the simple question: What are you going to do about it?

September came and went and I was then told it would be mid Oct. At that point I needed assurance that this proceeding would be accomplished by mid Nov 2010 since the house was part of the estate of my departed father and I was trying to close out the estate affairs by the end of the year. I was assured by Kevin *** that indeed he could see no reason why the loan would not close well before mid Nov. The end of Oct. came and went. Mid Nov, I called Mr. *** to hear a voice mail that he was out of the office indefinitely on medical leave and to call another number.

After several voice mails, I received a call from Larry *** out of a BB&T branch in Myrtle Beach. He told me my case had been transferred to Bob *** and he assured me the loan would close before the end of 2010. After my 1st contact with Mr. ***, I was told that I would have to resubmit all of my application paperwork for a 2nd time. At this point, I became furious. Apparently Kevin *** had not submitted my case to underwriting as he had promised he had already done. Another week he had said. For 5 long months I kept hearing, 'another week, another week' from all of them. Early in December I asked Mr. *** and Mr. *** to be honest with me about whether this would be closed by the end of the year. I told them quite honestly that I needed to pursue another bank if they could not promise this. I was assured by both of them that we could close the loan on Dec. 20th or before.

Guess what? Dec 20th rolled around and still no loan closing. Imagine that! Why did both of these individuals continue to make empty promises when I might have had time to close the loan with a different bank? I have been thoroughly lied to by each individual involved in my case and expect each of them to be reprimanded for their actions. I have lost trust in BB&T completely and will never do business with them again. They are all liars! As Christmas approached, I called them daily for updates. Often my messages went unreturned.

Both Larry *** and Bob *** were conveniently on vacation the last week of 2010 so they knew all along there was no way the closing would take place after the 20th of December, but neither had the decency to be honest with me from the start! I lost a locked in rate of 4.625% from my initial application back in August and I was placed under undue stress trying to close the loan before the end of the year for the probate courts. All individuals involved knew this deadline, yet they failed to meet it. I want them all fired!!! There is no excuse for such incompetence and unprofessionalism!

The Kings Charter Branch continues a policy of poor service to any BB&T account holders who do not have Kings Charter printed as the Branch office. I live in Ashland, which is so close to Kinds Charter, they share the same zip code. Many people in Ashland work in the Kings Charter area and use the ATM there but everything from cashing checks, to making deposits is met with an attempt, the tellers and management to get us to go to the other branch. On 12/20/10, I attempted to deposit a check of $100.00 using my BB&T (Ashland Branch) deposit slip and was refused. I took the same check to Ashland and it was deposited right away with no difference in how the slip was made out.

I, Billy ***, made arrangements to sell a commercial truck and trailer to a buyer from Dallas, Texas for the amount of $13,300. The buyer was to transfer half of the amount via bank wire $6,650 from his account to mine on 12/10/2010. The buyer instead made a transfer in the amount of $5,000, which was not agreed upon. The buyer also agreed to bring the remaining balance in cash and pick up the truck and trailer.

The next day, the buyer instead cancelled and informed me he would be coming on Monday, 12/13/2010. The buyer arrived before 10pm. After viewing the truck and trailer, the buyer asked me to discount the price to $11,000. I said no. He then stated, "I don't want the truck and trailer but instead would like a refund." I stated, "No, we had a deal."

The following morning, I received a bunch of threatening calls and I also learned that the buyer reported the matter to my bank BB&T as fraud. My bank account was frozen by the acting manager Mrs. *** at my branch without my knowledge. After contacting Mrs. ***, she refused to discuss the matter in full detail but assured me that I'd be contacted later that day by her or a representative of BB&T. I never heard from Mrs. *** or a bank representative. I contacted BB&T later that day and found out my account was under investigation for fraud and I would have no access to my account.

Once again BB&T has hit us with a $2.50 "plus fee". This is a new one. We have free checking but are now being charged for checks. Nearly every month we have some fee from them they refuse to correct. We maintain over $20,000 in the account.

I bought my house in 1997 and until I lost my job in 2007, I was able to make the mortgage payments with no problem. I also had an equity line with BB&T. My NC unemployment benefits have run out and the only way I keep my head above water is a monthly personal check from my mother who is 85 years old. When I first started getting behind in my payments, I contacted my local consumer credit counseling service and they explained that I probably would not qualify for a mortgage modification because I've been unemployed for so long.

I contacted BB&T directly and got the modification process started. We have had several conversations and I even went so far as to borrow my aging mother's money to pay off the equity line. I was told this would help me qualify for loan modification. We are talking about nearly $14,000 of my mother's money here. Last week BB&T contacted me and told me that they could not do a loan modification and since I'm behind on my payments and unable to catch up, they are going to go ahead and begin foreclosure proceedings.

I am so mad about the whole situation that I am about ready to take gas and burn the house down. I've tried to explain that it just "doesn't feel right" to continue to ask my mother to help me out with this house when it seems that BB&T is determined to take it from me after all these years. If and when I ever get this situation settled, I will never recommend BB&T to anyone for anything. They are pieces of **!

They are a bunch of thieves. Every week my check sits at the bank. They will run all the checks through that I have written so they can charge me $35 for every check, then they will put my payroll check in account and take most of it for overdraft fees. It looks like they are breaking the law. I wish something could be done about the way they do this.

I do not know what possessed me to open an account with BB&T, after all the complaints my sister-in-law had with them. They would charge her overdraft fee after overdraft fee even when her check would be in there. Several times she went to her bank and the manager had to correct the errors. Same thing happened to me, go figure. I deposited a check and the bank statement says it went through on a Monday, well so did other checks that were debited out of my account the same day. However they said the money was not in there, when it clearly says it was. I was charged several hundred overdraft fees! The money was in there the whole time! I called several banks and they all said they would look at it and they never called me back, of course. How can they get by with doing this to hundreds of innocent people?

BB&T 1-800-226-5228 has horrible Automated Customer Service. It doesn't give you an option to speak to a live Customer Service representative. It is difficult and time consuming. Inconvenient time wasted and never being able to address issue.

I am new to this bank having married and this is the bank he used , I have found in the last two months that their policies and customer service is not of the quality that you would expect from industries that have problems and need government bailout like our tax money. I did not understand how their policies worked debit and credit. I to in the last two months have been hit with 6 overdraft fees, one made the same day after 4pm that my payroll check was deposited because my check did not go in to Midnight this caused an overdraft.

The next four, I was watching my account and did not see a problem. I again had overdraft fees, two where on debits of $1.50 each this in fact came in after a deposit but because they were done before they overdrew the account. Now, if the business has not submitted the request, how can they charge you a fee just because the day on the charge is a prior day if not submitted to the bank. Tell me again, how it affects my account if I write a check and date 2001 are they going to go back and charge me for that?

Again today, I checked my account and had an overdraft fee, how I still don't understand. I have made a trip to a local branch, sent an email that was never answer or a phone call returned, this morning after going through the 800 number, I spoke with Christy who informed me that because they refunded $17 of the first overdraft they could not help me with anything else. I am going back to my bank, they at least have better customer service. You would think that a company would like to keep your business, I don't make large deposit to them around $4000 a month payroll check and I have a small savings. This is unacceptable behavior for a company already in trouble and receiving our tax money.

After explaining my reason for calling that overdraft fee shouldn't have been charged, this representative actually laughed before placing me on hold to "see what she could do" and coming back to tell me she wouldn't do anything to assist me since the 7:30 am deposit I made didn't post to the account until after the 12:30 pm check was submitted by my landlord. When I asked to speak to her supervisor, she refused, lying that there was no one higher in authority than her and that supervisors don't take calls about overdraft fees.

Upon further insistence that there was in fact someone with more authority than her and that I had a right to speak with someone else, she finally agreed to transfer me to the account review department. I immediately called her a liar for telling me multiple times there was no one else I could speak with or with higher authority since she admittedly told me this several times. Once transferred to account review, the representative refused to allow me to complete a sentence instead repeating the same "we aren't going to fix or credit anything on your account" statements from the first representative.

This is the most unprofessional manner in which to treat a paying customer and totally disrespectful. Who would want to do business with such unprofessional people?

On 12/1/09, I opened a money market account paying 2.2%. In September 2010, I returned to the bank to make a second deposit into my account believing that this deposit would also earn the 2.2%, like the original deposit. I had good reason to believe that this was a condition of my account. I was told that unless my account was established to pay a variable rate, the interest rate would be the same as the original deposit. I therefore deposited the second amount. Both of the deposits were extremely large for me. Seven days after the second deposit, I received a phone message left at my home requesting that I contact the bank.

I called the bank and was informed that my account terms did not permit a subsequent deposit at the original rate. I had a civil discussion with the person who called me, another branch manager as well as a customer relations employee. These discussions were not fruitful for me or the bank. The end result was that the bank refused to pay any interest at all on the six figure second deposit. I was very upset at being cheated by my bank. In an unusually clear moment, I decided my rage was not worth continuing dealing with those people and I returned in order to get the second deposit, not including interest. If BB&T becomes the only bank in Florida, I will walk to Georgia, if necessary, to do my banking. Furthermore Floridians, I hope you learn from my error in time to avoid a banking travesty like my own.

I have finally had my fill of overdraft charges leveled on my account because of the method used of priority payment. I deposited on a Friday a check received from a customer. During that same weekend, I was working in Asheville, NC and was paid by the Hilton event planner with a check. I had to pay two assistants their wages. I asked them to hold the check until after 2 pm Monday so that my deposit would post to cover their pay. The pending Friday deposit, $50.00, and on Monday 9:24 am, a deposit of $600.00 were in my account on Monday as shown on my online statement. I checked on Tuesday to verify the check for $325.00 and $20.00 for the pay outs had gone through only to find that BB&T had covered them but charged me an overdraft fee of $70.00.

The weekend prior they did the same thing with a Friday deposit that they did not post until Wednesday. They put through automatic payments and charged me a $35.00 fee on a $.0 charge, but did not post my deposit. They will pay things out of order of presentation. Deposits may come first, but they will put through debit charges and charge overdrafts and deplete the balance in the account so that NSF charges can be collected. It is a practice that has caused financial stress as I have a very limited income. When I make a deposit, I do not feel I should have to wait 2 days to pay my bills because the bank is taking its sweet time posting.

Also, the online statements do not match the bank verifications as well. I check daily and have found discrepancies on many occasions. They hold checks that are not drawn on their bank for 24 hours. If the customer is depending on the deposit of that check, that is the way I get paid, the payments going through during their hold period becomes their right to charge NSF fees.

When this happens it causes a domino effect. The charges short my available funds and more charges incur and my bills cannot be met. I was basically told that unless all my deposits were made in cash or from other banks in the BB&T chain, that hold would be put on checks drawn from other banks were customary, therefore my automatic insurance payments, payments that can be only small amounts, end up being double because of fees. I cannot rely on my balance being what it should be and it has caused a good deal of stress and anxiety to lose my hard earned money. In this week alone, it is now $105.00. That is my power bill payment they stole from me.

My husband and myself are on a very strict budget. When I checked my account online on Friday Sept 10th, I had over $400.00 in my account. My husband just started a new job and his direct deposit had not come through at this point so we had a live check. He did not get off work in time to deposit it that day Sept 10th. So we made the deposit on Sept 11th, which I thought would be credited to our account on Monday. Well evidently, they only credited $100.00 to my account of the deposit, which made my account overdrawn because other bills coming out. They didn't tell us that the other would not be credited until Sept 14th 3 days later. Now, I have $205.00 in insufficient fund charges.

I called the bank and asked why I had these charges? They explained that if I had cashed the check then deposited cash it would have all been credited be since we did not do that it wasn't a bank error. So they wasn't refunding anything back to me.

They have the worst customer service of any place I have ever dealt with in my entire life. The man I talked with (Steve) who is a supervisor in NC or somewhere. I was suppose to talk to a person name Glenda who they never connected me with. They switch me to 3 people before I got Steve. Then he was very rude and just kept telling me that it was not an error therefore, they could not refund me. I asked to speak to a supervisor, he said he was a supervisor!

Do not use BB&T! They do not care about their customers! We have been a customer since 1991 and they couldn't even work with me a little. I believe they do that on purpose to make it a trickle down effect to see how much they can take.

My boyfriend and I just moved to Charlotte, NC and wanted to open an account together, so we did. Well, I have never dealt with so much ** and awful practices. I have a bank account in the state I am from for the past 12 years and have never heard and dealt with the problems we are having with BB&T. We wish we neverwent there. We made a deposit one day in the form of a check, well comes to find out you are in the negative until the check clears. Why even take the amount out? The bank I've been with never done that, it would just be pending. I don't get it! It's a new account never used, only deposits made! So how can this be negative, it was never used. I don't understand this and have never been treated so bad.

My boyfriend gets trust fund checks that come from a financial institution and has received them for his whole life and we are now being told that they, BB&T, think they are counterfeit so are the account is on hold so now we cant pay our bills, rent, nothing. I was told I was going to have to wait 5-7 days for the hold to be lifted to make sure the checks clear since they think the trust fund check is counterfeit. Well it's not, we have never had a problem until we banked with BB&T. Well, if the check has not cleared yet, why make the funds available? You would think this would just be pending and not available like all other banks.

I really hate this bank, BB&T. It is the worst bank ever do not bank there. Nothing they do makes sense. I can't wait to close my account there and get all of our money out that is owed to us because the trust fund checks are real. We feel like we are being treated like criminals. We are both college grads, have good credit, never been in trouble before and have good bank accounts in the state where we are from. So why all the problems with BB&T? I hate this bank and can't wait to close my account as soon as I can but I was told I have to wait or they may to decide to close the account anyways. Why we did nothing wrong, if so then why have we ever encountered this issue before? I really believe it's BB&T. I still don't get how and why they credit and debit deposits they do.

I signed up for the Bill pay program for them to send my mortgage payment on the third of every month because that is the day that my disability check is deposited. For no good reason, this month they paid it on the 2nd (so they say) and consequently they had to take $300 out of my savings account to cover it and charged me the $10.00 transfer fee for this. However, my posted balance at the end of the day of the 2nd reads $665.85 and my available balance $1,683.72. The pending transactions read: 09/07/2010 - the mortgage payment, 09/03/2010 - my disability deposit, yet they say they paid the mortgage on the 2nd. It does not look like it and they had no right to do that anyhow even if they did. I signed for the 3rd of every month. I have asked that my $10 fee be returned and the $300 put back in my savings with no interest lost. The local bank and the online banking both say it can't be done. They say that if you sign for the 3rd that they can take it out up to 2 days earlier. Who decided that and when?

I have also had problems with the call center in Whiteville. The manager there is sloppy and unprofessional. It's hard to believe that they would hire someone like that to run our accounts. Call FDIC! Do not let these people get away with fraud! Also, watch who you talk to at BB&T. The call center manager is known to comment on people's accounts if she knows them personally. Beware. Someone needs to fire her.

We had been a patrons of BOA for many years but wanted to support a regional bank since we moved to NC and decided on BB&T. Worst mistake I ever made in banking (mea maxima culpa, not my wife's). In just slightly over a month of being with them it has been a nightmare; 1st - We funded the account by an electronic transfer from BOA thinking that would be the fastest. They held that in limbo for I believe 8 business days even though BOA debited our account the day I initiated the transfer through BB&T. Who had our money? Not us.

After about a week I called BB&T asking why our account had not funded yet and was told "That's just the way it is with electronic transfers, they take 5-10 business days". That is total [lies], anyone in this day and age knows that money now moves with a click of a computer key, 24 hours max for an electronic transfer. 2nd - Their check company charged us for checks I didn't order and to cover the charge I was never told I had incurred, BB&T transferred money from our savings to checking and charged us $10 for that. I resolved the problem with Harlond ** and they agreed we were owed a refund. I called BB&T and said they would only return the transfer fee when Harlond ** refunded our money.

About 3 weeks later we finally got the refund from Harlond ** and I called BB&T to ask for the $10 back which finally posted about 5 days later. All in all, about $40. of our money was tied up for 3-4 weeks. 3rd -While all that was happening, I had set up our bill payments and scheduled a few well in advance. Each confirmation said it had to be scheduled 5 business days in advance for the payment to be received by a certain due date. Sometime between, when I scheduled the payments in mid July and when they were supposed to go out at the end of the month BB&T changed 3 of the 10 payees I had entered from 5 day paper check delivery to 2 day electronic delivery but neglected to notify me which resulted in a payee receiving an electronic payment on 7/28 instead of 8/2 which is the confirmation I received when I scheduled the payment. Of course a $35 overdraft fee resulted.

I called BB&T to ask how could they change a payment delivery date without notifying me and was told that this type of problem needs to escalated to level 2 support. When I asked to speak to Level 2, I was told they don't talk to customers and "they will review your request and if BB&T was in error your $35 will be refunded in 5-10 business days. " I got what they call a service request # and the name of the person I spoke to. I then waited about 5 minutes, called back and told them I had a service request # and wanted to speak to a supervisor. Of course I was told there were none available and so I said I will wait on the line until one is. Always do this and get the name of the person you are speaking to. My wife used to work for a call center and they cannot hang up on you or it reflects poorly on their ratings and ties up their line.

In about 3 minutes a supervisor came on and said she had reviewed my complaint, it was without basis and I was not due a refund. When I told her that I refused to accept that answer and again explained the sequence of events she agreed and I saw the refund appear as pending on my account as we spoke. I could go on and on with examples like this in less than a 6 week period but let me finish with a few quick things. Bill pay, use at your own risk. They cancelled payments I had scheduled because I didn't have funds in the account on the day the paper check was supposed to be mailed and did not notify me. This is because they deduct the money from your account the day the payment is to be mailed, even though it is not scheduled to be delivered until a week later.

When I called and asked how they could do this this, a paper check should not be honored until it it presented I was told "that's just the way we do it. " Customer Service; calling them to get your money back after you have been unfairly charged fees? You'll be charged if you contact them more than 2 times a month, even if it's their fault. The final time I called them was today to complain about the $2 charge that had just appeared on my account even though ever single call I made to Phone24 was to dispute fees that we never should have been charged. I informed them they would be losing our business and direct deposits because I had never experienced a less customer friendly bank in over 40 years.

When I asked if I would charged $2 for the call, she graciously said she would waive the charge (but she lied). The next day a $2 refund did show on our account and then the next day a $2 charge was debited for the call I made to get our first $2 back. Cash deposits (Made inside the bank with a teller); were shown as a "pending" transaction for 5 days and I have no idea if we had actually tried to pay a bill which would needed to use any of this "pending" cash if it would of resulted in an overdraft fee or just been declined. Money which was badly needed tied up in a limbo of pending status and hours spent to recover fees that should never have been charged.

We had a truck loan with Sterling Bank and they sold it to BB&T. With our coupon book, it states we have a grace period of 15 days until we get a late fee which would be the 4th or the 5th of the month. BB&T has been calling and harassing at the end of the month for the last 3 months. I told them what the coupon book said, the man was rude and said it didn't matter. Would you like to have a copy of the coupon? I could fax it to you. I think they are charging late fees when I have a 15-day grace according to coupon book. Plus I'm tired of the rude phone calls and harassment. Thank you

My account was not overdrawn, but there were several POS transactions "Pending" to post to the account. I rushed getting to the nearest BBT branch and deposited cash to cover the "pending" transactions plus enough money to get me through to next payday. I went home, checked my account, and POS transactions and my cash deposit showed "pending". Several days later, I received a notice stating that my account had been assessed $70.00 in overdraft fees.

I called the local branch and spoke with the Manager and explained what happened. I, then, politely requested (in the interest of good customer relations and common courtesy) that she refund my $70.00. I was advised that the BB&T "system" posts all debits first, then the credits, regardless whether the transactions are "pending" on the same date. They refused to refund my $70.00 because "it was not a banking error" even though my cash deposit was sitting in their bank vault while they posted the debits to my account, throwing it into an overdraft status.

This has created a hardship for me until next payday, and has left a very bad taste in my mouth, as I feel that BB&T has taken advantage of an opportunity to cheat me out of $70.00. (Just because they could) I just wonder how much additional profit they make each year off customers like me.

We have had an account with BB&T for many years. Over the last few years, BB&T has continually charged overdraft fees ($35 per item) and overdraft privilege fees ($10 per use) by stacking incoming checks in order of the most expensive first, in order to use up whatever is in the account and then charge the maximum fees possible for each item. They do this even when deposits and checks are posted the very same day. They place "holds" on deposits arbitrarily and capriciously.

They have changed their interest charges on the overdraft privilege to charge daily instead of monthly, without any notice. They delay posting deposits online so that you cannot tell what is in your account and what is not. All in all, this is robbery. Customers entrust money to banks to protect their deposits, not to rob them. If BB&T wanted to charge for its services, it could charge a set monthly fee like any other bank so that customers could judge for themselves how their accounts are doing. Instead, BB&T charges by stealth and is a very poorly run regional bank.

I have significantly reduced my account there in order to limit my exposure to their sharp practices and I seriously question BB&T's financial soundness. Hundreds of dollars in overdraft fees have been paid to BB&T and they refuse to even negotiate rationally with customers about such fees -- they just blame the customer for everything.

I too have had problems with BB&T. About three months ago, BB&T started charging my overdraft fees on my direct deposits. I go to check my balance online and it says that I have a certain amount available but then they charge me for every transaction that I do that day. I have complained to the bank about it and they say that they will look into it, and then I get a letter in the mail with a transaction history that looks totally different than what I have been printing out on my computer. It seems to me that the banks are now using us by charging us these fees just to recoup their losses. I would have to say that I have lost close to, if not, $1,000 or more over this period just to overdraft fees on money that they have said is available to me.

My complaint is similar to many other complaints on this site. On 6/30, my paycheck was direct deposited in the amount of $716. Also, just after midnight on 6/30, my husband transferred $430 from his BB&T account to mine (online) to cover his portion of our household expenses. The morning of 6/30, my account showed a balance of over $1,100, as it should. I used my debit card several times that day, paid my mortgage payment (also to BB&T) online and deposited a personal check into my mother's BB&T account before 2pm. On 7/1, I checked my account and discovered that BB&T had posted all these items and charged me a $35 overdraft fee for a check I wrote for my water bill. There had been more than enough money to cover all these items with $300 left over.

I called BB&T on 7/1, it took 2 1/2 hours to get someone on the phone. I spoke to Amanda of the Teays Valley, WV branch. I told her this fee should not have been charged to my account and I wanted it refunded immediately or I would close my account. She began a nonsense "explanation" about checks being presented before my deposit was made, etc. When apparently what BB&T had done was hold the direct deposit and the transfer until this check was sent through. I told her I was not interested in her explanation, that BB&T had done this to me many times in the past and I had enough. She told me she couldn't consider taking the fee off until I listened to her "explanation". I listened.

I then told her again that my position had not changed: either the fee came off or my account would be closed. She cut me off, telling me I would have to speak to the manager then put me on hold. She then came back on the line and told me the manager would not take off the fees because the bank was nice enough to send my check through and not return it. She said the bank did this as a "service" and a "courtesy" to me. Wow! Getting ripped off for $35 buck is now considered a service! I told her I would be in the next day to close my account and hung up. My credit union doesn't treat me this way, so why should I stay with BB&T?!

I recently went to BB&T to get a mortgage for my first home. First of all, (this should have been a red flag), Scott started listing off names of individuals where I work that he did loans for. The experience was full of disappointment, lies and was honestly worse than anything I have experienced. I was lied to about when the appraisal was ordered (never received an apology or heard anyone fess up to that) and I was also lied to about when my loan packet was sent to underwriting.

Scott had ordered my FHA case number before we went under contract without bothering to verify that FHA would even allow such actions. We found out the day of closing that we would not be able to close because of this. Now, had my loan packet been sent to underwriting the week before like I was told it had been, this would have been identified earlier and steps could have been taken to resolve the issue. BB&T submitted a request to cancel my FHA case number incorrectly. I am able to go to the HUD website to find out how to send a request to cancel a number, why can't someone who does this for a living do so? We found out a week later that the request was wrong so we changed lenders.

Because of this, I am incurring additional expenses that I have sent to BB&T for reimbursement - this was totally their fault (other than the fact that I went to them to begin with). They refuse to pay any of these fees as well as refuse to give me the insurance information of their errors and omissions policy so that I can contact someone who can help me.

It is over 3 weeks since I was suppose to close and we can't close because they screwed up so badly that FHA won't cancel my case number.

I started looking at reviews on BB&T once my closing went south and wish I had done so beforehand. Very few of the reviews are good or even decent. It looks BB&T should have been one of the banks that busted.

I have only been with BB&T for a couple years but since the first week I was there, they have gone out of their way to charge me overdraft charges. I have tried to speak with individuals in my local branch, just to be told that they were doing me a favor and I should know better and that they weren't babysitters and now have tried dealing with the main 800 number for customer service.

First a rental company had put a hold on my account and it took longer than normal for it to be released, I called BB&T regarding the hold and charge and was told that when the hold was released, all charges associated or caused by the hold would automatically be refunded to my account. 5 days later when nothing had happened, I called again and was told that a form had to be completed and that she would do it for me and that it would be refunded in 36 hours. A week later, I had to call back again because it still had not been done and it was fixed within 5 minutes and then they charged me $2 for having to call the 3rd time. Apparently you are only allowed 2 calls a statement cycle regardless of the reasoning. That was infuriating but only $2 then the most recent and I have just been pushed to far. I woke up this morning to find a $175 overdraft charge on my account. I looked in detail at my account because it made no sense to me and I added and subtracted all the numbers on my Posted Transactions and never saw an overdraft, so I called. I was told that the charges I made on Saturday were sent into overdraft because of money I spent on Monday after 6pm. This makes no sense to me. I deposited yesterday, yes after 2pm, more than enough to cover all the money spent but that was not taken into account because it hasn't officially posted yet, but the charges I made that haven't posted yet are taken into account and taken out of my balance before the charges that were made 3 days previous.

Which of course sent my account into overdraft but even after the $175 charge, my account was only overdrawn $165....that doesn't make any sense....seems to me that my addition saying I still had $10 is correct and theirs isn't. I am fed up and discouraged that in these financial hard times that a bank or anyone would try to hurt people financially instead of try to help them. They are simply getting rich on charging little fees for unneccessary things hoping they won't be noticed and then pushing their customers into being overdrawn however they can justify it so they can charge even bigger fees. You cannot use pending charges against the customer but not use pending deposits in their favor...its ridiculous and smaller banks are capable of instant availabilty of funds. The only reason I chose them was location but I would rather drive 30 minutes for a decent bank.

If that is the case then they would have charged me one, maybe two overdrafts fees not 9. They totally contradict what they say with what they do and they have only refunded me $118 and refuse to refund more. While, I understand that I did overdraw the account I do not feel that gives them the right to take advantage of me. Their practices are unethical if nothing else. In these economic times like many people we are surviving. The $360 deposit I made was for a specific bill that I now can not pay because of what they did. I am now a month late of most of all my bills.

I opened an account recently, and it has been a nightmare. They don't credit deposits for up to 36 hrs later, and they debit everything before allowing deposits to go through! So, even if you are trying to do the right thing and make a deposit to cover a pending debit, you can't. I have never experienced a situation like this and am leaving this bank after only 3 weeks. Also, their Online Banking and Online Bill pay are straight out of 1999. This has cost us at least $200, even when we have tried to make deposits on time / same day, only to have everything bounce again.

In past we were not able to make payment for two months on our mortgage but we are current and paid up due date for the month of March and April. The bank recently completed an appraisal of just the property and our loan officer, Mr. Joe **, said that the appraisal is at $900,000.00 but he did not give us a copy. We owe the bank $632,000. We do not understand on what grounds the bank feels insecure when there is equity of close to $270,000 and we are current on all our payments as off today.

We had a prospect that bought our business on the terms of lease with option to purchase for $1,249,000 and made a down payment of $107,350.00 + we will receive a second payment of $80,000 on May 5th, 2010. Under this deal we showed the willingness on our part to pay off as much as money the bank wants to keep from this $187,350. On top of this payment we showed the willingness to raise our remaining mortgage payment from $4600 to $6200 a month so that the remainder balances of $450,000 gets paid off quicker. The bank harassed the buyer and us for good two weeks just to approve our deal. At the end the buyer backed out and told us on April 15th, 2010 that Mr. Joe told them that this business is in foreclosure status and the property is recently appraised at $900,000; Mr. Joe went on to ask the buyer why is he paying $1,249,000 when it is not even worth that. At one stage on April 13th, 2010, Mr. Joe told us that how about you drop the sale price of your business to $850,000 and sell to someone who can pay money right away rather than selling on lease with the option to purchase terms.

We received foreclosure court papers on April 21st, 2010 which was a surprise. That same day we visited Mr. Joe at BB&T Bank to understand the reason for foreclosure. Mr. Joe gave us the reason that because we have been late few times it cannot provide lending to us anymore even though we are up to date on payments currently. We showed eagerness to present our concern to somebody above him who makes the decision. Mr. Joe said, we need to talk to the bank's lawyer, Jeff ** because they make all lending decision for the bank and he did not know of the person above him at BB&T bank that makes this sort of decision.

We strongly believe that there is unethical practice going on with this issue under the present status of US economy and the credit crunch. The bank's harassment is an unmanageable nightmare for us. Can you please help our small family owned business survive this discrimination? With such a big equity in our property plus the goodwill value of the business the bank has malicious intentions of making a huge profit by foreclosing. With this foreclosure the bank can easily sell this business for $800,000 and charge all sorts of fees and prepayment penalty, which would be around $25,000. The bank profit more than $50,000 out of foreclosure. My family can lose everything they we have worked so hard for.

BB&T collects all transactions that occur overnight and over holidays and instead of processing them in the order they come in, BB&T reorders the debit, credit card and checks from largest to smallest and process them before processing the deposits. So if the account is drawn down below zero, the bank gets to charge the most number of overdraft charges.

Just a few weeks ago on a holiday weekend, my account was hit with eight overdraft charges of $35 each for a total of $280. When I called to complain, they credited two of the charges. This process of reordering transactions is not fair. Transactions should be processed in the order they come in including all deposits. In my case, that would have resulted in only one, maybe two overdraft charges.

I realized that I had overdrafted my account on 3/3/2010. I promptly made a deposit before 2pm on that day to more than cover the overdraft charge plus the pending transactions (made the night before) that had not posted to my account yet. I was told by a teller and it was written on my receipt that my balance was $17.91. When I checked my account on 3/4/2010, it was showing overdrawn again. I called and was told that because those charges were pending on a day that I was overdrawn, it did not matter if there was money in my account on the day that the charge was actually paid out of my account. I would still get overdraft charges for each pending transaction as they cleared my account. I was also told that all banks do this and it was not a new policy.

I have had this account since 2003 and was a former employee of the bank. Neither I nor any of my former coworkers were aware of this practice. I then proceeded to call every bank in our city and none of them had the same policy. They said it was just "bad business". I then went into the bank to close my account. I told the woman that I was willing to pay the first overdraft fee of $35, even though the teller had told me that my balance was $17.91 and the charge that posted on 3/4/2010 was $4.09. I would also pay to cover the two pending charges (again). But I was not paying overdraft charges for those two amounts, since I had been in there two days in a row to make deposits to cover all charges and I wanted my account closed.

I was told that the computers were down and that she would call me back that afternoon, but I needed to make my deposit right then. I made my deposit and while I was walking by, I noticed that she was waiting on another customer and her computer was working just fine. She also never returned my call. And I noticed this morning that I had been put back into the negative and charged two more overdraft fees for $70. I was told the policy about how the debit charges are taken out the minute they are swiped - they are paid first by the date swiped and that the deposits are posted last.

I then asked them why a couple of months ago when I made debit charges over a weekend for very small amounts and then my house payment posted Monday at midnight, they paid my house payment first and then overdrafted all my small debit charges (one was $1.09) and charged me $370.00 in overdraft fees. I was only short less than $100 on my house payment and deserved only one NSF fee. Now I am $70 overdrawn when I have made two deposits and they refuse to close my account until it is paid. It seems to me that they work their "policy". However, it gets them the most fees. I live paycheck to paycheck and cannot afford to let a $2 overdraft cost me $140.

Their letter said "you have seven days from the date of this letter, to withdraw all funds and close the account. I tried to transfer twice to my brokerage during that period, and then the evil woman at the bank reversed the transaction, which I was clearly directed that I was in the right to do. Once again and for the last time, they charged me great fees in the process.

I appealed to the Federal Reserve consumer complaint department. If any bank tries to jerk you around, this is the best place to go to get them to do the right thing. If someone at a bank wants to abuse their powers, please go to the Fed, and let them take a look at the situation. They closed the account with $244, and now there is only $166 left. So, the damage is around $80, however, this seems to be a clear case of misappropriation, when they tell you directly to do something, and then roast you in fees for following their directions.

I have been fighting with this bank ever since it changed over to BB&T. They hold deposits so they can charge me 35.00 dollars. We live on disability. We have five kids. It's hard to make ends meet. They know when the money comes in every month so they hold it all till my bills start coming through so they can get their money. When it was the home bank, I had never but maybe once had a nsf but now it's all the time.

We had lost thousands of dollars to them. I have talked till I'm blue in the face to them about what they do. I've had people charge things on my card that I did not do. It took an act of God to get my money back. I don't know what to do anymore. If I change back, they do a check on me. They will not let me have a account because of all the nsf"s. So they have you and they know it. You have no choice but to stay with them.

Something needs to be done about how the banks are treating the people. Loss of money to feed my kids or pay a bill or get meds. It is very hard to live on disability and take care of my family when you have banks like this.

I paid with a paycheck direct deposited as well as $80 cash on 02/26/10. I went out on a trip out of town for the weekend. Because I was paranoid of BB&T's overdraft fees, I continued to check my available (not my posted account balance) throughout the weekend. Back home on Monday, I took my kitten to vet and did a quick check on available balance to make sure I had enough money left to grab some breakfast while out. The account balance was $112.76. I also had an electronic deposit that should have gone in on Tuesday morning of $400. The available funds and this should have been a pending deposit.

I would have more than covered debits still outstanding, one paper check outstanding, and that Starbucks breakfast. I was back to work on Tuesday, and as I pulled into the parking lot, I got a text from BB&T telling me I am already $105 in the red from NSF fees. Debits totaling $25.33 from the past weekend's gas and go on the road to Nashville were taken out, as was a fee for each of those 3 debits. Now, last time I checked, $112.76 is more than $25.33 and a $400 deposit is a whole lot more, so this math comes into play where? I called BB&T's useless 800 number and talked to some idiot who told me that my cash deposit of $80 made on 02/26/10 did not go in until Tuesday and I was $80 down all weekend.

Well, since I had a deposit pending, it should have not made a difference. By the way, where is that $400? The BB&T representative couldn't tell me. Not a clue. They told me to call whoever was depositing the funds and ask them. I had already done that. I sent to BB&T ACH on Monday, March 1. I waited one more day to see what would happen. All hell broke loose on my account today. The $400 deposit hit and BB&T immediately seized every bit of that to pay 3 more debits outstanding and another $140 in overdraft fees. So we are at a total of $245 in NSF fees so far.

So this time I called the local branch. The first person I spoke with was useless and acted like she couldn't care less about my situation. She then told me I would need to speak to a Sandy **, a relationship banker, and she would have her call me back. She did return my call and I have to say, was a very nice woman who seemed very sympathetic. However, she did tell me that I was making a huge mistake by going by my available balance on my account. I advised her that BB&T representatives told me that this balance is always correct unless you have paper checks outstanding. She said that is not true, that the information on phone and online is never accurate and only I can keep up with a truly available balance.

This makes no sense to me whatsoever, as I come from years with a credit union who always advised to look at your available balance daily. She said there was not really much she could do to help me, but since the fees were so much and only going to increase. I have a $4.65 Starbucks debit and a $1.41 iTunes debit outstanding, which means $70 more in NSF fees, as well as a $30 collection fee charged every 5 days that the account is in the red. She would see if she could get me anything credited back, but did tell me that it was strict BB&T policy that they only refunded tried and true bank error and this was not their error, even though I was balancing my account the way their representatives online, on the phone, and a teller in her branch had advised me to do.

She called back sometime later to apologize, but said there was nothing that could be done. No refund and fees would continue to add up until I paid them off. I did an online membership application for a local credit union immediately and got an acceptance email about 2 hours later. I am going today to open an account with them; back where I know what the heck is going on. I have never had a checking account with a bank; I've used credit union all my life. Now I know why. This is pathetic. These people should be put out of business and I urge any and everyone reading this to avoid doing business with these people. I had a car loan with them in the past and they were great to deal with. Apparently, it only gets bad when you give them access to your paycheck.

I was charged an exorbitant fee for a $4.18 overdraft from BB&T! I need my fee to be returned. For me that day, it was to eat or to starve. I choose to eat and they are making me pay $35.00 extra! I do not have the funds right now to deal with this. I do not have a job, and now I cannot do anything financially until they reverse the fees!

I am running around in circles trying to get some results dealing with these people, to no avail. I even complained to the Better Business Bureau twice, but all they do is forward the complaint to the company to investigate itself, which is of course a complete waste of time.

In a nutshell, they are charging me excessive, unwarranted overdraft fees constantly, and it is breaking my back. They rearrange transactions to maximize fees, contradict themselves continually in their written responses to me (I have plenty of documentation), dodge answering any of my questions directly, but none of it matters because I can't get anyone to take my side and battle this.

The crux of my complaint stems from three basic practices they have, all of which serve to maximize profit:

1. Let's say you have $50 in your account and make a $35 debit card transaction, then a $20 debit card transaction. You would expect to be charged one overdraft fee, for the second item. However, what they do is: a) put the $35 item on "hold," then b) post the $20 item, bringing your "available" balance to negative $5, then c) post the $35 transaction, which, because your "available" balance was negative $5 at the time, means you owe two overdraft fees, not one.

2. Let's say you post a $1 transaction on the 1st of the month to your debit card, a $1 transaction on the 2nd, a $1 transaction on the 3rd, and then a $100 transaction on the 4th. Very mysteriously, the $100 transaction will always clear before the other three, if your balance is less than what it would take to cover all four. This way, they are able to charge you four overdraft fees, rather than just one.

3. Most maddening is a scenario I've just run into for the first time here in the the past few days. I deposit a $2000 check. Nobody says anything to me about "availability. " I'm able to use my card just fine. Two days later they get around to sending out a letter, saying that $1900 of this check is being put on "hold" for five days.

Yet not only do all of the transactions I've already made now get charged "overdraft" fees, my card continues to work just fine for the next day and a half, until I get this letter, and go through the roof, because nothing was done at the time the letter was sent, either, to block my card from using this "unavailable" money. Naturally, these transactions all went through, as did a whole slew of additional "overdraft" fees.

"Thank you for contacting BB&T Email Support concerning the reversal of an Overdraft fee on your checking account ending 3079. After posting on 01/20/10, your account balance was $7.81. The following items posted to your account. Once your account balance became negative, your branch paid the items and charged a $35.00 Overdraft fee per item.

"Your account balance at the close of business on 01/22/10 was negative $22.24. Transactions continue to be processed on business days, Monday-Friday. However, each processing day now has two groups of transactions. A "prior day" transaction would be considered a transaction that was initiated before 2:00 p.m. the previous business day. A "current day" transaction would be considered a transaction that was initiated after 2:00 p.m. the previous business day until the current business day at 2:00 p.m.

"Transactions will post as follows: 1) "Prior day" transactions, highest to lowest 2) Deposits made before 2:00 p.m. that business day 3) "Current day" transactions, highest to lowest. Funds from checks deposited in a BB&T financial center that are not drawn on BB&T will be available to pay items presented on the next business day following the business day of your deposit.

"As a courtesy to you, the first $100.00 of your total check deposit made at a BB&T financial center on a business day will be available to you on that same business day. Direct deposited checks and cash will always be credited on the same business day. Example: If a deposit is made before 2 pm on 01/28/10, a "Courtesy Credit" up to $100.00 will be given for the deposit and will be included in that nights posting, between midnight and 6 am. The remaining amount of the deposit will be credited to your account on 01/29/10, during posting between midnight and 6 am.

"Based on this information, the Overdraft fee is correct. We apologize for the inconvenience but we are unable to refund fees unless a bank error has occurred. Once again, BB&T offers clients several easy options for preparing 2009 taxes using the best-selling, #1 rated TurboTax. In addition to the full lineup of TurboTax Online(SM) products, BB&T also offers TurboTax Federal Free Edition Online(SM) and the ability to download TurboTax products to your home computer."

They gave me another $30 fee on the 29th without anything going through my account. I made a deposit to cover my charges but they in turn put the charge through before the credit. Didn't Bank of America get sued over that?

I have had two incidences of fraudulent charges with my debit card, which were resolved and the overdraft fees credited back to my account. The exception was the most recent incident when apparently both the bank and the merchant credited my account. I was not aware of this. BB&T waited almost one month when my account balance was low, and, without notifying me, reversed their credit, which wiped me out and resulted in a negative balance of $271.

I have been trying for approximately 20 days to get them to waive these fees and allow me to close the account, but they will not do. I have watched them over the past year hold my deposits, including cash deposits and payroll checks drawn on their own bank, and process smaller charges, resulting in overdraft fees.

I feel that in a circumstance like this reversal, I should have been notified and given the opportunity to make a deposit instead of being wiped out and sent a post card in the mail. This has resulted in $271 in revenue to the bank, money that I do not have available to repay. I am in the process of securing a government position which requires a security clearance, and they want to report me to the credit bureau, which will have a negative impact on my application and could result in losing a job. I live from paycheck to paycheck. I am diabetic with no health insurance and this also causes a serious financial burden to me.

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 savings 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 first month went great and my son Gary opened a savings account with Travis and I was called to come in and sign the required paperwork to complete the savings. I explained I would come in at my lunch hour and sign the required documents. Travis call and told me he was going to lunch but to meet some lady not sure of her name but Autumn or something of that nature was her name. When I got to the bank, the teller took me to the door or the correct person. She sits first office on right when you walk into the bank and she explained she new nothing about what I was there for.

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 savings 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 1-800 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 ** 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 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.

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.

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.

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.

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.

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.

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.

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.

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.

SO I CALLED AND SPOKE WITH SOME ONE AT THE BANK AND SHE SAID WELL YOU HAVE TO WAIT TILL TOMORROW SO WE CAN FIND OUT WHERE IT CAME FROM HO MADE THAT TRANSACTION...."CAUSE THERE IS NOTHING I CAN DO RIGHT NOW." what is that I said you can't tell where it came from? she said no cause it's not posted it's pending. my theroy is it has to be someone working in the company that makes up the cards cause only he I and the bank knows of the account number. SOMETHING STINKS WITH THEM

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.

I have had an account with BB&T for five years now. I have never had an overdraft fee charged to my account before until June 1, 2009. The way the bank has done is very unprofessional. I deposited my payroll check in the bank Friday evening May 29 and before then I had a balance of $236 in my account. I used my check card that evening and Saturday as well. The money was immediately put on hold.

I then wrote a personal check to a friend for $210 on Sunday May 31st. She deposited into her account on Monday June 1st. It shows my check was available on the 1st of June, but they did not use this money to pay the check. Instead they kept my credit card charges on hold and paid the check with the $236 I originally had. Then charged me for 8 individual overdraft fees for the charges I made Friday and Saturday. Then the remainder of $280 was paid to the overdraft fees. I had two more charges on my account and one that had not posted yet. I spoke with the manager at Maple plaza branch in Woodbridge, Virginia (Dee). She told me that I had money in my account to cover those charges.

On Wednesday morning, June 3rd I had another charge of $70 in overdraft fees. This is a very dirty way of trying to get money out of people. The charges would have been covered if the client was a best interest and if the bank was not trying to figure out the way where they could profit most. This is very ridiculous that I have $350 in overdraft fees because of BB&T bank. I had money in my account when these charges were made and my pay check would have covered the last 2 charges when they posted if my pay check I deposited was not ate up by overdraft fees.

Thank you for my worst experience with a bank ever. I will be cancelling my account before you try to unfairly milk my account again. My family uses BB&T as well and they will be cancelling their account also. And I will make sure I will spread the word of how wrongly you do people. The credit union does not treat people this way. I could understand if had no money in my account and made charges but the money was there and placed on hold. This is so wrong.

My complaint is similar to the many others I've seen on this site. I deposit my money only to find that the debits are posted before the credits. Regardless of what some might say, If I put money in my bank, before I withdraw from my bank, it should be available. Especially if I deposit on say a Friday and don't make a withdrawal until Sunday.

This is not the case. Everything has been planned to work out in the overwhelming favor of the bank. They have planned and ordered their process to completely maximize the fees they can suck from their customers.

I am sad to have wasted so much money with this bank over the same stupid issues. If you are smart, you will move your money away from this bank as quickly as possible.

First Home Mtg. with BB&T at 6%, 30 yr. Called for refinance 15 or 20 yr. R. Goodling said he would e-mail loan application or have my husband pick pkg. up at a Pineville office. Two wks. still no application. Placed three calls and two e-mails. Called executive Office who had Loan Office Scott contact me. Scott stated several time my husband could not be on the loan, since he did not have a Social Security number. Six times I stated YES, he does have a S.S number and proper visa's.

S.S issued July 2009. Scott reply this was not in his notes and he would not put my husband on the loan. This is slander to my husband, his employer (He is a Director of Energy for a large international power construction company. I called executive office. Judy called me back and promised I would recieve a good faith and loan application A.S.P. Two days and still waiting. Cost to us is 1.50% persent on a mortgage of approx. $240,000. Plus 1pt. origination $2,400.00 it will cost us to move loan. BB&T currently holds first mt.

I feel Since April 6 to today May 15 is more than enough time to recieve a loan application & good faith. Are we being ignored because my husband is Canadian? BB&T does not want to give up the 6% interest? Please assist me with this issue. $150.00 to $200.00 per mo. cost us for 248 payments for life of current loan,$49600.00 pluse $2400.00 origination Point.

My BB&T credit card was stolen from me by an employee of the Village Station Restaurant in Lumberton, NC in November, 2008 and reported as stolen to BB&T within 18 hours. Unfortunately, the card had been used numerous times in that short period and nearly $1000 in fraudulent charges made to it. The BB&T fraud department said I would receive an "affidavit" to sign--but I did not. I repeatedly called to tell them I had received nothing to sign and was given a different response with every call. Finally, I received an affidavit, signed it and faxed it back according to the bank's instructions. But, the charges again showed up on my account.

After many many calls since, most ending in frustrating discussions with whoever I could get on the phone and some with many transfers (the record stands at 7), I spoke with "Bank Card Supervisor" Mr. Andy Chunn. He apologized for me having been "jerked around" and promised, "The buck stops here" implying he was going to clear up the matter. He called the next day to say the charges would be removed "in 7 to 10 business days." That was a month ago and now he does not return my phone calls.

So, I visited a local branch office where a young man offered to help. But, he too, was ignored by the bankcard group in Wilson, NC. The bankcard rep he spoke with promised to call him back the next morning--and did not. The local branch rep told me that the agent "had an attitude" and that he was embarrassed to be associated with such service from his own company. But, he basically bowed out.

I have called the office of the CEO and have been promised my inquiry would go to "senior management." I was told, though, by the local branch office that because I did not return my affidavit (which I did not have) within the specified 90 days, that I am now liable for all fraudulent charges. Even they admitted, though, the absurdity of that statement based on the facts. I await a response to the call to the CEO's office.

until the morning of the stated date of deposit, so that they can accrue 35 fees by clearing debits first.

This is
predatory, unfair, and nothing more than BB&T trying to steal from customers. I went into the bank on
04/22/2009 and spoke with Richard Sargent. The bank will not refund the fees. They did a "one time refund"

when they did this in March of about 290. Over 500 remains taken from my account.

My elderly parents wrote me a check in the amount of 100 dollars for my birthday. I went to my local BB&T to cash this check. They handed me 95 dollars. They said there is a 5 dollar fee if you are not a client. I told them my parents had all there money in the bank. Later, I called Suntrust -my bank- they said they do not charge even if I wrote my daughter a check and she did not have a Suntrust account. I will not tell my parents about this because they are too old and would be upset. This is a small amount of money to most. But it is big if $5 of your relatives gift is stolen by a bank-

The manager on the phone with BB&T informed me that any amount over 50 dollars will cost you $5-Then she asked if I was blaming her. I thought it was unusual to take that attitude considering I have never seen her before and was being polite just asking matter of fact questions so that I could understand. Moral... DONT BANK AT BB&T! they will nickle and dime you to death and personalize the issue if you question them. No one can afford any of this crap in this economy.

I will tell my parents not to write me any checks.

I have not used my BB&T accounts for >4 years (savings and checking) as I have been living overseas. The bank has been charging me fees for inactivity but having exhausted the balance on my chequing account, BB&T has sent my chequing account in overdraft (due to the inactivity fees). In addition they have been charging overdraft fees compounding the problem. At no time have they even attempted to contact me and I have been unable to access my accounts online because they barred me from access to my accounts via the internet while they secretly continued to charge me bank fees and overdraft fees.

I have not written any cheques against my account so imagine my surprise when I heard that I owed them nearly US$900.00 (combination of inactivity and overdraft fees). They have refused to close my accounts despite written requests until I settle the charges. The whole procedure of sending my account in overdraft and then charging me overdraft fees seems unethical and illegal (plus not allowing me to even see my account balances online). I asked at what point would they contact me, when they had charged me a million dollars? Please advise what actions I can take. I just want to close my accounts and move on.

BB&T took over HavenTrust Bank under the direction of the FDIC ad the Georgia Dept of Banking and Finance. The seamless transition promised by BB&T reps has been anything but. Deletion of online billpay history, inability to use billpay services for 5 business days and the sudden cancellation of debit cards without warning or replacement all suggest that BB&T does not possess the expertise or infrastructure to assume control of even a small bank of five branches. All this despite website and customer service promises to the contrary. Many apologies for my inconvenience and nothing more. This is clearly an institution that need grow no more.

I ended up with late charges and credit report hits for my missed mortgage payment. Further embarassment when payment for a store purchase was declined when using my debit card. At least 5 hours spent trying to make alternate payment arrangements. There was no meaningful understanding that I was the only person on the phone not being paid for his time

BBT put a hold (5 days) on my deposit, which was a check from my retiremet disbursement check. It was Sat. morning and I really didn't have a choice. (Did I mention I'm a Native American.) Anyway, I'd had been doing business in this bank for over 2 years and several of the tellers call me by my name. I never had a hold place on any of my deposits (I'm also a farmer.) and I was very frustrated with this. Since the lady was new, what was I to do. In these poor economic times, I need all the money I can get to put the food on the table.

Anyway. When I came into the bank during regular business hours, the bank manager refused to tell me why a 5-day hold was placed on the check. Her glib remark was, they do it to everyone who brings in an unusual deposit? What does that mean? I thought it was because the Smith-Barney, Citibank check was not honored. That wasn't the case. The bank was just using my money to fund their projects and this is how they get away with. Putting holds on personal funds and using the money for their own projects.

I felt discriminated against because of my brown complexion and black hair, otherwise, the teller wouldn't had ever put a hold on my deposited check.

Do you know how sometimes there is a $1.00 authorization that is requested when making a debit charge? Well, BB&T actually charges overdraft fees on the $1.00 authorization charge AND a seperate overdraft fee on the charge itself. After a $36 online debit charge, which was within five minutes turned around and credited to my account, BB&T charged me $70 in overdraft fees. They charged $35 for the $1.00 authorization charge and then, another $35 for the actual $35 charge itself. So although, the transaction was an imediate credit, it cost me $70 in overdraft fees.

Maybe, in their disclosure statements they have drawn up rules and regulations, I don't know. I am not a lawyer. BUT, I do know this: There is such a thing as moral principles that businesses should adhere to. Especially when they are actually using YOUR money to run a business. Because, of these generated overdraft fees, I expect to have a series of checks and automatic withdraws that will occur and generate even more overdraft fees. Therefore, my paycheck which will be automatically deposited will be ate up, for sure. And, that means no gas, grocery, or bill money.

BB&T bank has begun to hold deposits for up to 10 days! This particular incident has caused me over $210.00 in nsf charges. Upon going to the facility and asking what was going on I was told by the teller that she had to explain this at least 4 times per day! I think BB&T knows that they are cleaning out people's banking accounts knowing that they are screwing people! Any other bank I know deposits are automatic! That and debits woth pin come out 3-4 days after the original charge and your account balance does not reflect a change on the atm balance nor on the telephone!

I finally got sick of this after the 210.00 charge and when I asked for a refund of nsf charges since they clain to have know that this was confusing people I was told no and that if they returned mine they would have to return everyones! I said that they should! The teller informed me that if that was the case they would go bankrupt! I watch my account closely but they hold deposits and let you use your atm card when there is no money in there!

When I checked my account I had plenty in there according to the atm only to use the money and be charged! I have contacted the bbb but they told me they couldn't file the complaint if the customer service dept keeps sending back the mail! They won't accept any coorespondence with the BBB! If someone knows another avenue I can take please let me know I am really upset about this.

They are causing me to go bankrupt and be extremely stressed out!

I received foreclosure papers today. My property is valued at $937,000.00

Amount of note is $517,000.00. I can not believe that my bank will not work with me with this kind of equity. My payment record has been perfect until the economic slowdown. I have had difficulty keeping up with payments, and have tried to get my bank to loan me money against my equity so that my, once very successful company, can survive.

Now, like many other Small American companies, I will have to shut my doors leaving yet another American dream of owning your own business come to an end. Please help me, if possible, not just become another statistic. Why are the banks not required to help small business owners by loaning money with this type of equity? The banks are just trying to keep the money or in my case make my loan liquid without any regard for their current clients or the future of America.

Lost American small business due to unfair and unjust banking practices

how can this bank charge you nsf charges,when it"s their fault that you"ve overdrawn your account I have over 400.00 in nsf charges over a period of a year and 99.9 percent of those charges occur when bb&t where making adjustments to my account talk about lack of customer relations,I have and keep money in my account for my transactions and usually these nsf charges are results of amounts less then 1.00 for 1.00 they charge me 30.00 dollars a wack.when i acquire about these chrges the lady tells me repeately that this is a payee account and I can get in trouble with social security for abusing this account by accquiring these nsf charges.

I am contacting your company in regard to the fees that have been slammed on my account. On 11/18 my statement ended with a balance of $89.08 with all debits and credits in the order THAT YOUR COMPANY HAS POSTED THEM AS OF 12/3 I should have had a balance of $34.14 (this does not include a charge that is on my account for Lane Bryant for $81.31 12/3 because that charge I do not recognize as a charge that I made).

I will need to dispute that transaction. But the online bill payment to HSBC could even have went through up until that point for $30.20. After that, I can understand the additional fees for the returned checks that were added because I mismanaged the dollar amount in the account. I have printed out all of my account information as YOUR COMPANY has it posted online and will be forwarding this information to a consumer attorney, the BBB and Consumer Affairs.

All fees other than the NSF that were charged for $74.32, $34.60, 69.45 will need to be removed unless you prefer that I pursue legal action against your company. Any additional balance that is owed on the account for TRANSACTIONS THAT I HAVE MADE WILL BE PAID IN FULL- I HOWEVER WILL NOT PAY FOR ANY ADDITIONAL FEES. The payment the HSBC also has been resent by their company so now your company is going to charge another fee that should not be charged because that should have been able to be paid and covered before any other deductions by your company were made. I would like this taken care of immediately.

10-15-08 I check my account and I find myself charged $105.00 over drafts, I had funds in the account to cover before this transactions where taken from my account.

I have done this in the past, I have to physically cash the check, then at deposit the cash, which is an added transaction, I am confounded that my company uses BB&T payroll services, then why does it need to clear since these funds are already there?

This is the only bank that I know of that does this. They have started taking the withdrawals out first then the deposits, causing NSF charges on the same night of transaction. Also if you make a deposit before 2pm It doesnot go in the same night. It goes in the next business day unless they decide to hold a check then it is longer. But you are notified when you make the deposit, you are notified by mail. BY then you think the money is in your account and you have written checks all to find out they have put a 7 day hold on that check.

Also If you make a deposit after 2pm your funds (unless cash) are NOT available until 2 business days after deposit.. BUT they still have in there drive thru windows ANY transaction after will not be posted unitl the FOLLOWING business day. THis is not the case at all.

Also I was told that if you deposit cash the money automatically is posted to your account and it will cover any transaction that will go through that night. BUT they still do the withdrawals first, then your deposits causing NSF charge to your account... We have had more NSF charges in the past year than we ever had. I used to work at this Bank before in s conversion to BB&T. It was never handled in this mannner and the customer service is null and void. Even one of there employees even told me that they started with funds availabilty this way because they can keep the deposits in the funding they do and extra day earning them more interest. Plus all more NSF charges to customers.

I am not hte only one this is happening to. I am in the process of closing my account and so 5 other prople that I of that the same has happened to. THe other banks that I inquired about do not have there Funds availability like this and could not think of any other bank that does. They should definitley be investigated by the federal reserve on all aspects of there bookkeeping and there banks investment portfolio on deposits.They have reversed some charges but not all.

Also WHen I worked at the bank I had my daughter open a checking account at age 16.and had the overdraft protection put on the account. Of course she ran it to the max limit. At age 18 I made her open a new account in only her name be legally able to now. I no longer worked at the bank. but the branch manager I still new, she closed the old overdraft protection to a $0 Zreo balance and applied it to the new account number. Which is still only a total of 500.00. When the bank went through another conversion, they picked up the old overdraft protection and made it active, showing we owed 500.00 from this closed account as well. We recieved no notices what so ever until they decided to take 100.00 dollars out of my daughters account with out her consent or knowledge. On the online service it should up as a pay by phone transaction. they fraudulently took money out of her account.

When we called to find out what was going on, they said they had trying calling and sending mail . the account was suppose to have been closed and the address and phone number they were using was from my daughters college apartment. We then try to explain this should not n=be active and a zero balance. They had no record of this and the branch manager who did this is no longer with BB&T, so nothing can be verifed and now we are having to pay $1000.00 back instead od only the 500.00. They still try totake money out of her account without consent. And because this she can not open a new account with any other bank because it is coded in the check system as being bad account. With me knowing people in the banking business still I was able just today to get her a new account open with another bank and finally she will be able to close the BB&T account.

My credit score. My husband credit score . My daughters credit score. Which has hendered us in establishing new credit or the interest rates are very high because of this. Plus the embarrasement and extra costs of NSF fees.

I am a victim of a mortgage (loan) fraud. I've been struggling for over 2 years due to this incident. I bought a property which was inflated by the seller in one day, over $400,000.00: the seller was also a mortgage broker whom I had known for over 5 years. The loan officer from the BB&T Bank, appraiser, realtor, and the title company eventually all assisted the seller to flip the property.

The lender was BB&T bank and the loan officer who was engaged in this fraudulent loan transaction was Greg N. in Fairfax branch.

In November 2005, we purchased a vacant lot and BB&T financed our mortgage for the lot. The seller was Mr.K. who was a mortgage broker. After the settlement for this property, I felt something was not right and began asking questions to Mr.K., the seller and also a mortgage broker.

After I learned that I had right to obtain a copy of the appraisal report, I requested appraisal report and several loan documents from BB&T and began to examine the loan documents as well as two appraisal reports which were prepared by one of the BB&T's independent contractor. While I was examining the documents, I found many odd things: some of the signatures were forged, the construction drawing was switched right after the loan was approved, the appraiser apparently used the bigger drawing in order to inflate the value of the lot. I had strong feeling that something was not right and the loan transaction was done improperly. That's when I decided to see the president of BB&T.

I first met with Don S., the regional president of BB&T in 2006 at his office in Falls Church, Virginia. At that time, I did not have many concrete evidences to provide regarding this loan. I just felt suspicious about it. I explained to him about how I felt about this loan transaction and requested him to internally investigate on my loan documents and the underwriting department including the loan officer: Greg N. At that time, Mr.S. also felt that something was done incorrectly and he had promised me that he would internally investigate on my file. Since I did not get any response from BB&T, I began to research on this loan transaction by myself with help of my relative and private detective as well as attorney.

February of 2007, for the second time, my attorney and one of my relatives, Jay went to meet with Mark R. L., BB&T Bank's attorney.

Mark L., at that time, understood the situation but he was trying to deny everything to protect BB&T. He said that he would talk to the loan officer and others who was engaged in this particular loan transaction and would get back to us. However, again, we did not hear back from him since then regarding this case.

June of 2007, we contacted State of North Carolina, Office of the Bank Commissioner of Banks to file a complaint against BB&T. We had meeting for about 2 hours with the bank commissioners. We went over each document which was falsified and manipulated by both the seller (as well as a mortgage broker for my loan) and Greg N., the loan officer at BB&T. After the meeting, they clearly realized what went wrong and how BB&T had violated the bank regulation. Even one of the bank commissioners recommended us to file a law suit against BB&T immediately.

After the meeting, the Bank Commissioner sent letter to BB&T regarding this particular loan transaction. BB&T replied to their letter in July 2007. When we received the letter which Bank Commissioner had forwarded to us, we were pretty much in shock. Attorney at BB&T bank apparently denied all the facts and falsely stated in that letter about their act.

Finally, we had chance to meet with Don S., the Regional president at BB&T for the Third time, in November 2007. We told Mr. S. that the letter which was sent to Bank Commissioner stated all the wrong-facts. I told him that the reason why we went to see Mr. S. was to let him know that whatever Mark L., attorney of BB&T stated in that letter was not true. It was all lie. Probably he wrote the letter based on what Greg N, the loan officer at BB&T had stated to protect him and BB&T.

This time, we had more concrete evidences and documents which support the fact on fraudulent loan transaction. However, Mr. S. was not even willing to open his mind even to listen. He did not care about the truth. He said that he only believes whatever stated in that letter. He ignored us completely and did not care about the FACT and moreover he did not want to know the TRUTH. This leaves me with extreme anger and frustration and I had decided that I would be willing to spend rest of my life to reveal the truth and let the whole world know how disgusted and untruthful BB&T was and how BB&T destroyed my life.

Although this was a ridiculous loan, I kept on paying for over 2 years in order to keep my credit in good standing. The total mortgage payment that I've made was totaling $149,458.91 and the litigation fee and all other miscellaneous cost me over $549,000.00. The grand total that I lost due to negligence of the lender and fraudulent loan transaction is $699,428.03. My credit got destroyed and currently I'm facing a foreclosure on this property. All I wanted to hear back from BB&T was to re-examine the whole loan documents and try to find out what went wrong and how it happened and how they could rectify the problem.

I know that you can not give me any legal advice on this and also you don't have any agencies who can investigate on mortgage fraud. However, I believe that at least someone should know about the fact that how such a big lender like BB&T ruined someone's life entirely and do not have any conscience to acknowledge what they had done wrong. I'm sure that there is a justice somewhere and I strongly believe that there's someone out there who really cares about the Justice and the Truth.

BB&T is a big lender who has money and power and able to get away from all the evil acts. I, however, am a minority and do not have sufficient money to fight and do not have any kinds of power to reveal the TRUTH about the FACT. However I am not going to give this up. And I will do whatever I could to reveal how terrible, ignorant and untruthful BB&T is.

BB&T is so greedy that they violated the bank regulation. Not only Greg N., the loan officer but also many other loan officers like Greg N. are doing the same things as Greg did. BB&T is acting as if they are whole sale lender. They do not contact the borrower and use middle man, such as mortgage broker to get more sales. I have discovered some names of loan officers at BB&T who never contact the borrower and only dealt with the mortgage broker which is violating the bank regulation.

I have had 5 lawyers so far, for civil litigation and they all acknowledged the problems. But they did not want to proceed with the law suit against such a Big Lender: BB&T Bank. For your record: right after this incident, November 2006, the seller was committed bank fraud and money laundry and sentenced for over 15 years. Now he is imprisoned Federal Prison in Mcrae Georgia.

Last month, I went to see him (seller). He had confessed that he did feel guilty about the whole situation. He also told me that the loan transaction was possible because the loan officer at BB&T Bank assisted him to flip the property. The seller specifically told me how the Loan Officer at BB&T Bank, the appraiser, real estate agent and the title company all assisted him to get the fraudulent loan approved. The Loan Officer at BB&T Bank had to meet certain volume for each months and he asked this seller who was also a mortgage broker to bring more clients to him.

The seller who was also a mortgage broker, contacted the loan officer, Greg N. at BB&T BANK directly. The problem was that BB&T BANK was not a wholesale lender, and they must contact the borrower directly. But the bank loan officer was contacted by seller (mortgage broker) and approved the loan based on the information provided by the seller. The loan officer at BB&T BANK had never contacted the borrower. The bank not only violated bank regulation but also they violated the federal law US Patriot Act"

I tried to meet with the Financial Crime Department in Fairfax County. And I even went to see the FBI agent in Tyson's Corner. First of all, I could not even have a meeting with the Financial Crime Department. They do not return my calls and when I went to their office to meet one of the agents, the security would not even let me in the building because I did not have an appointment with the agent. How could I make an appointment when they do not return my phone call? Second of all, when I visited FBI agent, he seemed like he understood the whole situation and believed that this was not done correctly. But again, I was ignored.

Sometimes I wonder if they would treat me differently if I was a mainstream in America. Perhaps the reason I did not get all the help that I could was because I was a minority. This is not an easy story to listen to and I am not sure if you could do anything for this case, but I have to try everything I could to fight for justice. So, please contact me when you get a chance so that I could provide you with more detail evidences for this case.

Although this was a ridiculous loan, I kept on paying for over 2 years in order to keep my credit in good standing. The total mortgage payment that I've made was totaling $149,458.91 and the litigation fee and all other miscellaneous cost me over $549,000.00. The grand total that I lost due to negligence of the lender and fraudulent loan transaction is $699,428.03. My credit got destroyed and currently I'm facing a foreclosure on this property.

They approved the purchases and charged me $35.00 for each time I used my card and there was no money in there. I asked them why they did this. They said it's a courtesy we extend our clients. How is a $35.00 charge for a $1.00 purchase a courtesy?

First of all, I would like to say that credit card fraud is a very unpleasant experience.

I had 2 fraudulent charges in the amount of $165.07(Airline Ticket) and $3.30(Currency Conversion) made on my VISA credit card back on 06/04/07. I have contacted BB&T numerous times to file a dispute. Due to their incompetence, they failed to ever have the dispute entered, and left the case unresolved.

I have contacted them during each billing cycle, and many other times to try to get a status or some type of resolution. They ended up closing the case, and I had to have the case reopened through much trouble. Finally, in a letter dated October 23, 2007, BB&T rejected my dispute. BB&T says: We are unable to assist with this dispute because this transaction was successfully processed using the Verified by Visa Internet security program. We regret that we are unable to offer additional assistance.

There are several points that I would like to make:

1.)The credit card charge was made for a n airline ticket in Malaysia through Air Asia Airlines that I did not make.

2.)It is hard to be in U.S. and Malaysia at the same time. I have not been out of the U.S. in years.

3.)I have never purchased any airline tickets through Air Asia Airlines, and I have never even heard of them.

In their letter they indicate the purchase required a personal password. I've never setup a personal password for my BB&T credit card. I would like to know what type of investigation did BB&T perform to make this decision. How are they linking me to these fraudulent charges. Any internet purchased can be traced by a transaction id. They should be able to provide information such as the name of the person who made the charges, and where the tickets were delivered. I am being made responsible for charges that I did not make due to their incompetence.

BB&T has put me through a lot of grief. They have not been helpful at all. Having someone do credit card fraud on me was a shock, and then the response and customer service that I got from BB&T was very troubling and stressful. I think they are looking for an easy way out. I refuse to pay for someone else's purchases....It is a matter of principal. Because of the lack of care on BB&T's part, I have closed my account with them and I will never have any type of financial relationship with them. They don't care about their customers and have very poor customer service.

I used an ATM in other country, Bolivia, but one time the ATM didn't dispensed the money, and it say because an a communitacion error the transaction cannot be completed. However, 3 days later I checked my account online and the charge was posted. I did the claim to the local BB&T branch and they gave me a temporary credit of $500 for that.

After a month I received a letter from the bank saying that they are reversing the credit because after an investigation the have proves that show that the transaction was complete. I went the the owner of the ATM, a local bank called Banco BISA, and they gave a certification that say that the transaction wasnt complete, and I send it to BB&T but the refused to do another investigation.

Also, I get in contact with the VISA International Adminstration in Bolivia, Lincer, and they say that BB&T asked for a certification that they respond as complete, but it was from other location one day before. Therefore, I talked with BB&T and sent a letter asking for another investigaction because the one that they made wasnt the correct one, but they are still refusing to do it

$500 that it's lost in the system, because BB&T charge me, It's more than one month trying to find more information to do the claim, several international calls.

In these days of consumers being offered a proliferation of customer no-service (i.e., the act of providing no customer service whatsoever), there is yet a new creative and exciting way to insult customers - charge them for having the effrontery to want to speak to a real PERSON regarding their account, after spending 10 minutes plowing through the automated mazes only to discover the computer can't help.

I discovered this when doing a routine check of my bank account online and noticed some $2 charges. I tried to call the general customer service number only to get cut off (technology at its finest), so I called a branch and was informed that those charges were for speaking to a person in customer service on prior occasions. WHAT???

This has got to be the most scurrilous enterprise I have seen in customer no-service to date. One of the bank's tag line is There's opportunity here, but apparently NOT the opportunity to have customer service included as part of your account, only an opportunity to nickel and dime the customer. I understand that banks have to make money but, come on, by making customers pay for something they SHOULD be entitled to???

These fees are legal, so there's no filing a proper complaint. However, how do you keep customers by charging them for customer service when there is already such a dearth of it in the business world? I'm not sure, but they're not keeping this one.

The physical damage that resulted was extreme incredulity & rage, as a result of which I turned into a thoroughly disgusted victim of customer no-service.

I have recently fallen victim to my bank due to the way they charge overdraft fees. We were unaware that we had overdrawn our account (by maybe about $20.00). The $102 overdraft fee was immediately taken from our account, which caused us to have more overdraft fees. Because we use our ATM card for most of our transactions, we subsequently accrued over $500 and counting in overdraft fees. In addition, because this happened on the weekend, I was unable to put money in the bank until Monday morning. Although I deposited $4000.00 in my account in the morning, it will not help to prevent the charges accrued over the weekend. Apparently, the bank has the ability to debit a customers account instantly, but deposits are another matter.

over $500.00 in overdraft fees

The innacuracy of their web site (claimed to be up-to-date) combined with their failure to notify me of changes in my account agreement left me without any ability to purchase until my next pay check. I will never bank with BB&T again because of their dishonest practices toward their customers and refusal to ammend their injustices.

Firstly, I can provide copies of bank stat, deposit slips, correspondence,& bank statements to verify my claims. In short; I had a starting balance of $238.00 on 04/20/2004,

Deposits made:
04/22:$411.00,
04/29:$416.00,

04/30:$450.00.

apprx:$1277.00 madewithin a 10 day period. I wrote several checks the largest;$200.00; most were $20-$30)
they charged me for 12 NSF @ $30 each.

Total was $360.00! plus they are saying that I have a deficit of $716.00.

My wife tried to close the account 2X, they adamantly refused. (said that someone had to die first before they could close a joint account!)

I had an account previus,they gave me overdraft protection up to $1500.00

Now that I own a house and had a vehicle finaced through them, my credit isn't good enough. But they will charge me $30.00 per item and hold me indebted to them..., all checks have cleared, by the way.

I am behind in my mortgage,car payments, and my credit cards dur to them(BB&T) decimating my account with these charges, also they are threatening to report me to QuikChex? and credit bureaus unless I pay off my fees, and they still haven't closed my account,even though their own policy says that it must be closed within 7 days.

On Sunday, January 25, it snowed 2 inches in Greenville. Two days later, Tuesday, the 27th, the bank was still closed, due to the snowstorm. That day, the 27th, I deposited a check for over $3000 via their ATM machine. I then proceeded to mail several checks that were written against the account where I made the deposit.

Several days later, I received a phone call from tha bank announcing they had placed a hold on the check for 11 days, due to the fact it was written on an out-of-town bank. I indicated to, I believe her name was Ms. Thompson, that I thought it illeagl to hold my money for that period of time. She checked with her manager and said they had changed the hold to 5 days or whenever the check cleared, which, it turns out, was on the fifth banking day.

Several days later I received a written notice from the bank regarding the hold. The language on their notice clearly states that if they failed to notify me of the hold when the deposit was made (ie-not several days later), they would refund my account for any fees incurred. To date, hundreds have been taken from the account in fees due to this matter, and the bank reluctantly only refunded $30. I have written several letters to the bank regarding the problem.

I have had hundreds taken from the acocunt in fees due to this, and they reluctantly only refunded $30. I have written several letter sto the bank regarding the problem.