BB&T Reviews

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'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.

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.

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 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.

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?

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!

So then the next set of closing papers came and they jacked up the closing costs (for less than 5 days that was not even my fault) and expected us to pay for their mistake. So, I wasted over 3 months jumping through hoops, only to end up losing money out of my pocket and not having a lower refinance rate. The bank said they would waive the $575.00 fee but what about the time I lost, the extra money I laid out and all the stress only to end up with nothing.

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.

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 **!

What they did is list all the Saturday and Sunday transactions as occurring on Monday and list largest to smallest, therefore even though there was money in my account when the purchases were made, they still get to charge me these outrageous fees. Is this even legal? If the purchases are made on Saturday and Sunday and are deducted from my account the moment I make the purchase, why charge these fees? They should only charge for the check that bounced on Monday. When I spoke to the bank, they only agreed to refund me $70.

Would a situation like this be called fair? Could this be a normal fair business scenario? Well, if the bank would have paid the $17.00 overdraft and kept only $35.00 as (one penalty fee), then it can be called a fair business scenario. In my opinion, this situation can be called "stealing money" stealing from people, especially when not honoring low amounts in overdrafts, but rather charging the accounts with repeat penalty fees on a single debit or credit transaction. This is the third time they did it to me. Unfortunately, I cannot close this bank account for now because I have "their affiliated" merchant account setup with recurring monthly transactions from customers.

People, please don't waist your money or time complaining to BankAtlantic. You will be bounced from one desk to another, from one branch manager to another, and in the end, they will tell you that you have to go to the branch where you had originally opened your bank account so they may analyze if your claim can be taken in consideration. What an unfair way of doing business! Good luck to you!

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.

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?

Unable to meet my financial obligations due to being fleeced of $350, which has been a domino effect. The nonchalant customer service by Andrew **, and customer service manager "Nicky", who refuses to provide her full name or ID #, leaves me no choice but to go through the hassle to change banking institutions.

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.

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.

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 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.

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.

Unfortunately, Bank Atlantic (did not share the same objective) already charged my account for all of the bags and charged a hefty overdraft fees on the debit purchases that exceed the funds in my account. I was not notified of these charges and triggered additional sustained overdraft fees for the days it remained unpaid. Bank Atlantic has no limit to the number of overdraft fees or sustained fees they can charge their depositor's account per day. It was a little too late before I realized what was happening. It cost me economic/financial damage because all my consequent funds deposited for the next two months were all applied to my negative account.

Like a domino effect, I failed to meet my other financial obligations. I feel that Bank Atlantic has systematically abused their power and failed to give their depositor common courtesy to inform them that this activity will trigger a disastrous and monumental financial consequence when the balance of my funds will not cover an impending debit purchase. Unlike in an ATM, I cannot withdraw funds that is not available, but to be charged overdraft fees for purchases you did not actually bought left me at the mercy of the monstrous bank.

Depositors like me are burned with overdraft fees without any fundamental or fair protections. According to Bank Atlantic, even if there was no actual purchase, when the fund is reserved it already triggers the fees. I argued that it has to be paid before they can actually consider my account overdraft. Bank Atlantic told me they don't have to actually pay to consider it overdrawn. Why can't anything be done to stop this overdraft fees, which obviously Bank Atlantic is using to build their revenues to the expense of unwilling depositors?

I am not using the overdraft assistance for an emergency loan because I did not even know it was happening. I don't even want it. I will not continue spending if I don't have the funds. Weeks later, I was at Target and my purchase was rejected. I was surprised because I expected my direct deposit was in a couple of days ago and I was sure I did not spend everything from the previous one. That's when I had contacted the bank and found out I didn't have any money left and even owe the bank more. Consumers, be aware. Avoid overdraft fees by paying with cold cash instead of a debit card. Avoid overdraft fees abuse by your bank. The protection you are seeking by keeping your funds in the safety of a bank account is like giving it away without your blessing.

Bank Atlantic deceptively (in my own ignorant opinion) took my money by charging overdraft fees without letting me know that a debit purchase, which was canceled, can still trigger thousands of dollars in fees. I felt abused for being charge fees for a loan I did not get intentionally or unintentionally. I did not have the money I needed to pay my other financial obligations because Bank Atlantic already decided to pay themselves with my deposits. I have completely lost faith with banks who do not protect their consumers.

Why keep your money in this type of institutions? Might as well just hand your money to thugs and robbers, what's the difference? I did not have the option to hold my hands up or plead mercy? I believe more people and citizen in this great country of ours being robbed blind by great big banks like Bank Atlantic on a regular basis to bolster profit.

I hope the Consumer Protection Agency, House Financial Services Committee and anybody else help lobby for consumer protections and create some type of protection to monitor these abuses by banks, who by the way, were the first to be bailed out by our government. Individuals like me need more protection from apparently innocent but financial monster and abusive institutions.

And there's no limit to how much the bank can charge. So the bank has taken two months of my money. Even if I did not sign up for the debit card overdraft assistance. Is it legal for the bank to charge a consumer if they did not actually purchase anything? It was just an inquiry from QVC if the funds are available. And from that initial charge which I did not know, they continued to add charges on top every single day until my deposit covered the overdraft balance. How can any bank justify this kind of lynching a customer?

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.

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 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?!

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 supposed 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 like BB&T should have been one of the banks that busted.

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 reason. That was infuriating, but only $2 than the most recent, and I have just been pushed too 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. It seems to me that my addition's 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 unnecessary 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. It's ridiculous, and smaller banks are capable of instant availability of funds. The only reason I chose them was location, but I would rather drive 30 minutes for a decent bank.

We are constantly struggling, because of the constant charges. I am a newly divorced single mother, working out of my home, and trying to keep my head above water, and they have made it impossible for me to get on my feet.

However, in an email from them they stated that they post transactions from highest to lowest based on the transaction date. 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 cannot pay because of what they did. I am now a month late of most of all my bills.

We came to the bank to ask for consideration to waive at least part of the overdraft fees. The account representative said that she cannot decide and no access in waiving any of the fees, and mentioned that we can come back when the manager is there. We came the next day the manager was there and she said that she doesn’t have authority to waive the fee. She called upper management and still said that they cannot waive any fees. My mom has enough money in savings account to cover those transactions. But BB&T said that the accounts are not linked and they cannot touch the money in savings. My mom said that when she opens the account, they did not mention about the overdraft fee or the overdraft protection. My mom requested to close the account, but BB&T said she cannot until she paid the negative balance. The manager of BB&T said that she has to pay for the negative balance before she can close the account and they will send to credit bureau the information that she owes money on BB&T. Also, she cannot open any bank account and the penalty for negative balance will accumulate until account is close.

My mom said that she wants to take her money from savings, the manger gave her the withdrawal form and after signing the form the manager said that the money will be applied to the negative balance my mom owes. BB&T let her withdraw the money to pay them. It should be in our choice if my mom will pay part of the negative balance and get the money she withdrawn. But BB&T just did not give the money withdrawn from my mom’s savings account.

I did not write in here that time when it happened. My friend just reminded me today because she's having the same issue with BB&T.

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.

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 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.

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.

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 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.

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.

"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 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.

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.

I went by and got the form, took it to my attorney's office at which time, the girls in the office and I noticed the date on it was wrong. My ex-husband had signed it and dated it 8-1-09 instead of 8-14-09. I went back to the bank to get this cleared up and spoke to Rosa **. She said that Kyle must have overlooked this and that she would need to talk to him and the legal department to see how it was to be handled. She took both my phone numbers and I left. She called my cell phone a little later and told that "Kyle said that Mr. ** had come in at an earlier time, but had to leave quickly and didn't get to finish it and 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 2:00PM, so it would go on the next business day.

After talking with her, I again talked to Kyle ** 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 ex-husband's handwriting and that the date was his writing. He then told me that he told Mr. ** to date the form 8-1-09. I then asked him why he would backdate the form instead of using the correct date of 8-14-09. 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 proceeded to tell me something about a log that he has to keep and that was the log date. I asked to see this log and 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 1:00PM (his lunch break).

It is now 12:00 noon. I left the office and went to the main branch. There, Rosa ** informed me that the legal department will not allow me to see the log. I would have to get an attorney to subpoena the log. I asked to speak to someone else. Everyone else was either out of the office or on vacation. She finally got a John ** on the phone. He told me the same thing about getting an attorney. I told him I don't need an attorney, I just want somebody at this bank to explain why the date is wrong. He then gave me the number for a Louis **. I took a seat in the lobby and made a call to this number. Twice I was connected to Mr. **'s extension, but got cut off without anyone answering the phone. The third time I called the number, I got transferred to a Michelle ** in corporate complaint department.

As I was talking to her, Ms. Rosa ** came and told me I had to leave and make my phone calls outside. I went outside to my car and finished my call with Ms. **. She took all my info and was nice nice polite to me. She told me I would hear from Mr. ** ASAP. Well today, August 19, 2009, I received a call from Mr. **. He was rude and said this was a "marital dispute" issue and I should have my attorney make Mr. ** 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 ownership form with the wrong date beside my ex-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 ** did something wrong in the way he handled this medallion signature and the dating of this form.

My last overdraft, which I ran 29 cents over in the account, cost me $200.00. This is highway robbery and 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 and everyone knows what type of crooks those guys are. This has taken a large toll on my business, acquiring inventory, paying bills, etc. The stress of the headaches is unimaginable.

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 that 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, they charged me for 8 individual overdraft fees for the charges I made Friday and Saturday; 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 the pay check I deposited was not eaten 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. I will make sure that 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.

I have not written any checks against my account so imagine my surprise when I heard that I owed them nearly US$900 (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.

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.

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.

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.

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.

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.

over $500.00 in overdraft fees

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.

Several days later, I received a phone call from the 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 illegal 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 account in fees due to this, and they reluctantly only refunded $30. I have written several letters to the bank regarding the problem.