Truist Bank (formerly BB&T Bank)
Reviews and Complaints

Not sure what you were "disputing" here. Unless you left out info, an overdraft is an overdraft whether 70 cents or 770 dollars.

Banks, like all companies, reserve the right to refuse to do business with anyone. If you acted like a fool, they probably felt you not worth dealing with. Sorry to be blunt.

they are all crooks. Close your accounts and go somewhere else. BBT is the worse bank in the world. With the help from a bank employee crook she help my son steal my Mother's cds after she passed away. It won't do any good to try to sue them. They are all crooks. They need to be closed down. I hate them. I don't wish BBT on anyone but the devil. I hope they all pay one day for what they do and done to people. I went threw hell with this bank. I hope they close down. I would love to see that happen. I would make a special trip to laugh in there faces like they did me. I would laugh at that women and the manager and hope they lose everything they have.

You guys are idiots. If you owe money when you close an account they are of course going to get it back. Pay your debts before they have to pay them for you. Just because you close that account before all transactions posted to that account doesn't mean you got away with it. If you OVERDRAFT your account that is your fault and not the bank's. Be more responsible and I would suggest you get a chexsystem report.

I had the same thing happen to me. On 9/22/09 I opened my account to see that $300.61 was taken out of my account in the form of a telephone payment! I called got the runaround by 6 people and finally found out that I had an account with First VA back in 2004 and when I closed my acct I still had a balance and they just decided to take it out here on 9/22/09! I never received no phone call nor a letter! The women from Recovery name June stated that they sent a letter to me in April of 2004 but they were not required to contact me about it! I feel the same as LCLARKE does, they STOLE my MONEY! If I owed it I would have made payments to them. And why after 5 years did they just fine this, why not when I set back up with BBT a year ago? Why was I not contacted? My # is not the same but my PO Box has been the same since 2002! I swear I did not owe them money, I want them to prove it, but when I asked for my contract they said that the time frame had elapsed and they did not have it anymore, ok then HOW CAN YOU PROVED I OWE IT THEN!? I want my DAMN $300.61 back! BBT will SCREW you everytime they can, they are the worst bank and can GO TO HELL! Right of offset my ###!

BB&T took $110 dollars from me! I appreciate my customers; does BB&T?

Amen. BB&T has less than 5% of their employees in Charlotte NC that have been with their organization as long as I have been. After having the worst customer service and longest wait times in making deposits at the poorly managed Woodlawn Rd Branch for months and zero response to my complaints, I decided to use my cell phone camera to document the lack of effort by the staff nor concern of it's customers I found myself banned from coming back to that BB&T location. Stephanie Walker the branch manager would rather run off customers that are concerned enough about improving the banks performance than actually listening to her customers and trying to make her branch better for the consumer. Poor management made banks fail and need tax dollars to survive and this is one piece of management, Stephanie Walker, that illustrates how BB&T doesn't give a hoot about their customer base,

This isn't a "scam". It's the type of account you have that required a loan or deposit balance over a certain amount.

The only "complaint" I'd have is that they didn't offer to switch your account type to one with lower balance requirements.

I am repeatedly charged overdraft fees by BB&T and have complained directly to my branch. Their response, the system cannot credit deposits in the same process and a debit. This means they are quick to debit your account but very very slow in making credits to your account. End result - if you make a deposit and a debit on the same day, the debit will be charged to your account but for some reason BB&T cannot apply the credit. This results in an overdraft fee. Profits for BB&T.
BB&T needs to explain this.
I'm reporting this to the Banking Commission.

Absolutely, it is infuriating... the way they re-arrange things is absolutely fraudulent. I had one $8 charge that overdrafted my account by $7 or so. OK, so $35 overdraft charge, big deal, right?

Wrong! They took my last 12 purchases and rearranged them so that the $8 overdraft encompasses 4 charges instead of 1. Now I'm -$180- freaking dollars in the hole in NSF and account balance fees. Now I'm gonna have to drop a week of pay to get my account out of the red.

Look at how my statement reads:

08/10/2009 POS SHELL SERVICE STATION 0606 CHKCD PURCH-PIN $1.32
08/10/2009 POS KROGER 2960 SHALLOWFORD 0606 CHKCD PURCH-PIN $2.11
08/10/2009 POS QT 754 0700 ROSWELL GA 0606 CHKCD PURCH $3.05
08/10/2009 POS BURGER KING #11073 ALPHARETTA GA 0606 CHKCD PURCH $4.06
08/10/2009 POS SHELL SERVICE STATION 0606 CHKCD PURCH-PIN $4.92
08/10/2009 POS CHEVRON [protected] KENNESAW GA 0606 CHKCD PURCH $4.97
08/10/2009 POS BP HWY 92 13584 LL 8998 0606 CHKCD PURCH-PIN $5.07
08/10/2009 POS CVS 2108 5095 PEACHTREE 0606 CHKCD PURCH-PIN $5.29
08/10/2009 POS EXXONMOBIL POS 0606 CHKCD PURCH-PIN $5.74
08/10/2009 POS WAFFLE HOUSE 00000 KENNESAW GA 0606 CHKCD PURCH $8.43
08/10/2009 POS STEAK-N-SHAKE#0618 WOODSTOCK GA 0606 CHKCD PURCH $18.60
08/10/2009 POS TRICKUM FOOD MAR 0606 CHKCD PURCH-PIN $21.95

WTF?

I think I'm going back to cash and money orders...many orders of magnitude cheaper...

Is everyone that does not use direct deposit still get their checks on the same day or is it a day later?

BB&T preys on its customers. They purposely post debits before credits although they are aware that there are credits to be posted to create overdrafts. My payroll check is deposited every other Thursday night, and the are aware of the amount before I am. It is nothing less than criminal to charge overdrafts just for the sake of fattening their pockets.

I originally banked with Bank of Louisville before it was bought out by BB&T. I loved the customer-friendly service I received at Bank of Louisville. Since bought out by BB&T, I've had nothing but trouble. I spoke with an officer the local BB&T after completing a survey and complaining about the unethical overdraft practices. She basically said to get over it because that was the policy.

I informed her that I would be closing my accounts with BB&T, and all she could do was warn me that all banks were implementing the same policy. That let me know that she knew that it was unethical, but because others were doing it, right or wrong, BB&T would follow suit.

Cash is always good...right?! Not according to BB&T! I intentionally went to Suntrust to cash my paycheck so that I could make a cash deposit at BB&T to cover bills, etc. I made the deposit on 8/29/08 at 2:05 p.m. thinking all would be fine...the deposit would be credited to my account since there was no 'wait' time on cash. WRONG! The deposit was not credited to my account until September 2, 2008 causing an INITIAL overdraft charge of $420.00!

I immediately called the branch and was told the same old speech about 'deposits made after 2:00 p.m. would not be credited until the next business day'. I understand that with a check, but CASH! I was told that the Manager could not do anything and would get with the Regional Manager for authorization, if any, to refund the fees.

I never heard from anyone that day and low and behold...you guessed it...when I check my account on September 3, 2008 there had been an additional overdraft charge of $385.00 added to the already withdrawn $420.00!

I again called the branch, spoke to the manager, this time in tears. Got the same speech..he was waiting to get a call back and would let me know when he heard something. Never heard anything that day either.

Sooo, I check my balance the NEXT day, September 4, 2008 and OMG! another $315.00 had been deducted for overdraft fees! My husband's entire pay check that had been direct deposited into the account had been totally eaten up! I called the branch again, same story, never heard so I went to the branch. Unbelievably, I got the same story.

Long and short, I sit here right this minute STILL waiting to hear whether or not my life can go on, if I can eat, pay my rent and just have gas to get to work on Monday. I am with ANYBODY and EVERYBODY who would like to start some type of legislation to stop this type of thing from happening to the citizens of the UNITED STATES OF AMERICA!

Okay, I have banked with BB&T for about a year now. I seem to get an over draft fee or non sufficient fund fee for anything. Today was the last straw! On Monday, November 17th after 2pm I realized that a direct deposit had not shown up in my available balance. I called my local branch to find out more information. I explained I was concerned since I has several checks to go through. I rushed home and deposited a small check from my part time job into the atm to get the $100.00 applied to my balance. I did not get the 100.00. I was worried the entire night. I called phone 24 and the branch and asked if the certain checks had attempted to post or debits. I was told no and I had time before 2pm to deposit money in my account to cover anything that was outstanding. I had a certified check deposited into my account for $2000.00 before 2pm.. There was not a hold. I got a courtesy $100.00. The next morning I found out I was charged $175.00 in over draft fees and $70.00 in nsf fees! I was so angry! I printed out from my online banking where it showed the $2000.00 was credited on November 18th. I was informed only 100.00 was applied to my account since certified checks that are not from BB&T are treating like checks and not considered cash. I asked why the funds were not verified if there were issues regarding certified checks. I was in the bank for 1 1/2 hours and basically was told I would not get my fees back. It seems their system changes to suit how many fees they can charge you. I had the money in my account that would have covered all my checks including the ones I was charged NSF fees. BB&T should be ashamed to state a proud member of the community since 1892. I closed my account and moved to Wachovia. Hopefully it will be a little better.

My husband had to pay for a rental car, and the company put a $300 hold on his BB & T account. He returned the car the next day, and though this was a Friday, the hold should have been released in a timely manner, right? No more than a day or two. Instead the bank held the hold for who knows how long, our laptop cord broke and I was unable to check the account to see the hold released. In the meantime, the bank was busily bouncing checks left and right, because this "hold" on the account wasn't released, and this set up more bounce fees, because the fees totaled $380 the first go round.

Then, because we live paycheck to paycheck, especially this month, because the aforesaid rental was due to brake work that ended up costing $650, and then the transmission went out on the same car, and my husband missed 4 days of work with no way to get there, so of course each and every $10 or $20 debit that we made on the account ended up costing us more in OD fees, so basically we are in a vicious cycle, because yes, we have no money, because we have been fee'd to death, and we still have to put gas in the car so that he can go to work, so that he can pay more in fees.

Yes it is our fault that we didn't stop living as soon as we realized we had paid $945 in fees, but I challenge you to live with no money, having all of your money going to pay the $945 in OD fees, I suppose we should have just sat at home with no food, money or diapers, no gas to get to work, yep, we are total wastrels, and yes we understand that the banks policy is that OD fees discourage OD's, but when the bank charges you a $35 fee each incident, totaling $945 in one month, greatly because it is bank policy to take the largest amount out first, and then down from there, some of these OD fees were on non bank ATM charges of $2.50, so we paid $35 on a $2.50 fee. Some of these fees were the result of automatic payments, I did try to call the company to ask that the automatic payments not be taken out, but they basically told me to go stuff it.

I called the branch manager several times, leaving messages on her machine, and never got a call back. I also wrote to the bank website, basically begging them to please help me break this cycle, and they told me that I was out of luck. They said that they only refund fees if the bank makes a mistake, and as far as they are concerned the hold on the account in the amount of $300 was not a mistake, and the fact that they did not release the hold in a timely manner was not a mistake.

SO yes, to all you out there who feel we got what we deserved due to our reckless spending, and to BB & T who was so understanding of our plight, THANKS! We have $10 in our account to make it through the week, and no money for rent, or utilities, because as soon as we get the next paycheck it needs to go to rent, which means we will have no money AGAIN for the gas and food for the week, which means that maybe we will have to "bounce" something to get through the week, which will mean more fees, and the cycle continues. Yes, I understand it is my fault that I did not check to make sure the $300 hold was released. But if you honestly believe that these practices are fair and balanced, then you have never REALLY lived paycheck to paycheck. I have read some of the less than sympathetic responses to these types of posts, and understand that there are many who take the stance "if you don't have it, don't spend it" but I challenge you to make it through a week with absolutely no money, because the bank fees just ate it all.

Yep, we certainly learned our lesson. My husbands company only does payroll through direct deposit, but I am closing this account and moving to a local credit union, hoping that we will never be stuck in a cycle like this again. I feel that the practice of OD fees and high to low debits does target those of us with lower incomes, because we are the only jerks that ever end up in situations like this. And I remind you, this whole cycle started because of a hold on the account that was not released in a timely manner, and the cycle begets the cycle, because once you have paid a couple hundred dollars in fees, it sets you up for the next week to be that much short, and if you live paycheck to paycheck, you are pretty much out of luck. We have been stuck in a cycle of financial distress anyway, two of the houses we were renting last year ended up in foreclosure due to nonpayment of mortgages by the owners, so three times we have had to come up with first, last and security deposits, eating up whatever savings we had managed to accumulate plus putting a big dent in any future savings, and my husbands company of 5 years went broke, causing a month of unemployment, so our financial situation was tenuous anyway. Reading posts on this and other sites, and reading the replies to some of these posts, I understand that many feel that people in our situation are there because of our own reckless spending practices, but I assure you that we are not spending money simply to be spending it. The vast majority of our money goes to basic household expenses, we do not shop for the sake of shopping, we have not taken a vacation for 7 years, we do not have parties for the kids birthdays, etc etc. I am still wearing socks I bought 17 months ago. I wish that more people would understand that sometimes the people who have the least aren't there because they recklessly spend money, but because it costs money to live.

I recently had around $86 in my account. During the week I made about $84 in purchases on my debit card. Friday I went into my local branch around 4:45 and deposited a check for about $144. The teller told me that a $100 account credit would IMMEDIATELY go through, and then the rest of the check would clear on Monday. Well, apparently "immediately" in the BBT handbook means the next day, because I made a couple purchases over the weekend, then find that my account is being shown overdrawn over $240. Unlike most banks, instead of denying anything that exceeds your account balance, they approve the debit, then charge you an overdraft fee. I went in to my local branch and attempted to resolve this, even telling them that if they would adjust the overdraft due to their telling me the wrong thing, I would gladly pay the resulting overdraft, if there was one. They said that they couldn't refund it. I then get a notice saying that if my account remains negative for over 7 days, a $30 fee will be charged to my account. WHAT!?!? So I called and told them I just received the notice today, and am currently unemployed (I do some work on the side, but am not formerly employed, and have no continuous income). They again told me it was bank policy that they can't do refunds. I already reported them to the BBB, and as soon as this is resolved, I will close my account and never again do business with BBT.

yes i know what you mean bb&t just did the same thing to me and my wife online payment took 7 days they charged my acc and over darft the first day and when we called we were told get over it they stold over 475.00 from uu

BBandT has been increasingly harder to work with and is extremely abusive on there charges and policies. Part of the problem with BB and T is they offer all these free "customer service" tools to help you but they do not tell you the full story. For instance, they offer a daily balance alert, which emails the acct holder their balance. But this info is not correct. They also offer online services where you can see pending transaction. These aren't correct either. Gas is not included in pending and certain debits, like an insurance payment auto debit, are not shown there. If you ever do make a mistake the BB and T policies will really get you. Let's say you use you have $100 in the bank and use your debit card for $10 in gas, $10 meal, and a $10 bill payment. That is all out of your account and you are showing everywhere (at the atm, online, ABD on bbt phone service) a balance of $70. But then that evening a check you forgot, an autodraft, whatever, is taken out for $105. You are now overdrawn, your mistake, 1 overdraft charge as a penalty...wrong! BB &T actually will take that draft and place it in front of the debits of that previous day and overdraft the lot of them! There reasoning is they feel that was a pending payment BEFORE you made those other transactions, so instead of a $39 charge you have a $160 charge. This is FACT, I can unfortunately show it. Other practices you may not know: withdrawing money from an ATM will result in a $39 charge if you are overdrawn. They will not alert you to the issue, they will give you the money and receipt and then charge an overdraft (yes, even at a BBT ATM). Have an issue and need help?, BB and T gives you 2 phone calls a month, free, if you call again you will be charged $2, and yes, that push you to overdraw also. Do you want to have them stop your debit card if you don't have funds, they will not do that either (ask your local manager, company line is: We don't want to return someones mortgage payment and have them lose there house). Best of luck dealing with these guys, but they should be brought up on charges for what they do.

Anyone interested in participating in a class action suit against BB&T please contact me.

David Benson
snags6@yahoo.com

stupid twit - living paycheck to paycheck ... why not try to live within your means?

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I am currently having the same exact problem in Birmingham, AL branches. I even took it to the corporate office and filed a formal complaint with them. I was told I would be contacted within 48 hours with a response. I did not receive a call until 5 days later. Furthermore, the call I received was very short and unfriendly from a secretary of a corporate head who had the nerve to inform me that he had a post it note on his desk when he arrived a the office that morning asking to give me a call and explain the situation.

Before all of this took place, I was forced to visit 2 branches and even then my problem still could not be resolved. The first rep at the branch told me she could not explain the charges because they did not make sense to her and that I needed to visit my opening branch. What is the point of branch banking then? I did not have time, as I do have a job, to drive 45 minutes to my hometown, so I went to another branch in the next city. The rep there told me he did not know how to "simplify it into terms [I] would understand" regarding why they continually charged me overdraft item fees to a positive balance. Then he proceeded to tell me I would not be able "to talk my way out it" so not even to try. I guess that because I am young they believe they can treat me however they wish and assume I am unintelligent. Little did he know I am a student of law who works at one of the southeast's most prestigious plaintiff firms. Better believe I put that rep in his place.

I recently opened another bank account at America's First where the representatives are extremely nice and very helpful. I am closing my account with BB&T tomorrow. As it turns out, there is nothing I can do to get my lost money back. The least they could have done was apologized for the inconvenience of the ignorant, disrespectful representatives. I guess this company is too busy pleasing their prized customers to accomodate the needs of us small-town and apparently dim-witted folks.

I'm am being ripped off every week by BB&T and this is a shame.

I think the Government doesn't intervene when they are benefiting from the fraudulent transactions.

So, lets find out what the Government should be enforcing and sue them for ignoring the facts and allowing the banks to take advantage of us.

If all else fails...lets remove the money from BB&T until we can find a honest institution.

DJ
proteuslife@msn.com

omg...seems like all of us are having the same problems..i had no idea.i thought i was getting old and forgot how to add and subtract. turns out i am not the one making mistakes(except for banking with Bandit Banking and Tricks).i think its time to put a stop to them taking our money away from us.

Nock nock, you forget one litle thing, there delivering a service, and they do a damn bad job at that.

Other bills you pay ones a month, thats easy to keep track off, but to keep track of every litle purchase you make a day with the delay that the banks bring in, is something totally different, and there for your compairing makes no sence at all.

Nobody denies it's there own fold, but the bank could implement technicall solutions to solve this by denying overdrafts or at least use reasonable ways of dealing with overdrafts when they happen. (like a x% yearly intrest on the money you overdrawn)

Bottom line there is no justification for charging a 35 fee on fee on fee over a few small purchaces, for me it's unacceptable.

The bank is to store and loan money from, but they act like there the mofo sherif in town with there fees.

You people do not need checking accounts! Since i have had a checking account at the age of 16, i have always been told anything after (insert your banks cut-off time here)on Friday gets processed Monday night, , because banks don't work saturday and sunday nights! duh! Hopefully one day they will, , but if you don't know this simple piece of info then you really don't need an account. Take some "personal responsibility" here. Oh yeah i forgot we live in a world where it's always someone else's fault. Never could be that you don't write anything down. That would be like me forgetting to pay my light bill, and they shut my power off and then I get mad at them for not calling me to remind me to pay my bill? Come on its my responsibility to pay my light bill, If they shut my power off and charge $75 to have it turned back on, , you know what? i shouldn't have been so dumb in the first place. It was MY fault the power got shut off and now my tough lesson is learned and i'm gonna make darn sure to pay my light bill next time.

Its the same principle.

i had the same thing happen to me recently. when i call them up to complain they said it was my fault because when i transfered funds, it was after 9pm on friday... i transfer 50 dollars on friday but it didnt post til tuesday. The women then proceeded to say bb&t does not despot anything until monday night. ok yeah right. But the funny thing is the item that i bought that caused me to over draft the second time, was bought way before the date that it posted. why was that... when you overdraft sometimes they hold you checks from going through just to see if your going to do it again. does that sound right, no, but its true. So I asked her if i deposited money on Saturday in the actually bank, going inside and physically depositing cash, then I should be fine, right. Wrong! She said you can withdrawn the cash or make a purchase but it wont go through until tuesday morning once again. Does that seem right?

"It is not the bank's fault that you spent money you didn't have"

How nice is that, it is not the banks fault you spend to much money how bright...

But with the timeframe this bank proceses money transfers it is getting a blury mess, we are consumers, not pro bankers, so why can't the damn BB&T bank make money transfers instant (at least trough there own office) ? why can't they protect my account for overdrafts and block the payments ?

There are technical solutions for it, BB&T chooses to not use them, so what can be the reason ? they make big money by making it difficult for people ?

They have there own profit above honest service to the customers, there the pro's, not us...

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i too have had the surprise of the on line service fee and I only have thank heavens a health savings account with them! Now when I am transferring my HSA to Suncoast Credit Uninion - they charged a $50. transfer fee! And it will take 4 to 6 weeks to get there! Oh my and they wonder why I did not stay with them when they took over Colonial which was my previous bank for years!

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After you file the complaints, please let's get together and get rid of these economic terrorists from our country--let's break this mega-bank up.

Filing formal complaints to get real results

Federal Reserve Bank Complaint Department

http://www.federalreserveconsumerhelp.gov/complaintinfo.cfm?info=1

US Treasury Department - Office of Comptroller of Currency

http://www.occ.treas.gov/customer.htm

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Two complaints. A few months ago my acct was compromised. They stole my ATM card and checkbook. The people took checks from someones closed account and deposited them into my account at the teller window. The people took a deposit slip, deposited the check and got cash back from the tellers at two branches. Overdrew my account by $400.00. Now BB&T has declined my theft report and says that I am at fault because my checkbook was NOT SECURED. In my home in my pocketbook as always--not secured? I guess there is no problem with the fact that someone gave cash back to somebody they had to know was not me. I have a senior acct and the thief was like 30 years old.

2. Overdrafts. BB&T is the absolute worst bunch of scammers I have ever seen. Here is how there last scam worked on my acct. I have about $100.00 in my acct. I deposit cash ($300.00) to my account on Friday at 10 a.m. It posts immediately (cash) and reflects in my balance. I go grocery shopping and use my debit card, then go make a few pmts. Monday am I start getting overdraft fees. It seems that my money is NOT in my acct until they post it on their system which took until Weds morning. This cash deposit took three business days to post and here I am collecting overdraft charges the whole time. I want to know how to complain also

They chared me $33.00 for a .26 cent overdrafed. and then said ther was nothing they could do about it.

This bank is the worst they will find away to charge you overdraft fees stay away from bbt, , they put me trough hell they add transactions when it suits them to charge you, , they need a good class actions

They charged me $70 (2x$35), or $0.38 overdraft. They charged me one $35 fee for every week that the account remained negative and since I was out of town, it took me 10 days to go put in the $0.38, well $70.38 by the time they were finished reaching their dirty hands into my pocket. Get your account out of there and advise anyone who has an account there to do the same. They're simply thieves.

I have had the same problem with this issue. My online available balance was $65 so i thought hey i can get some food gas and stuff to last me until my next paycheck. Then i check my online statement the next day and i was charged $340 in overdraft fees...WTF! called the 1-800 number and the branch manager and apparently what i see on my online banking statement is completely different from what they see on their computer. Ummm well no offense i said to the manager but why the hell would the online banking tell me i have $65 when i really dont, and if its not accurate then how is that my problem, maybe it should be more clear. and what really doesnt make any sense is that after they charged me an overdraft fee of $70 the first time my balance only went down to -$9 and some change meaning that they charged me the fee even though i didnt even overdraft. im soooo pissed now my paycheck that gets directly deposited into my account is gone because they charged me $340, and when i did the math on my own i should have only gotten charged 2 overdraft fees, all for like $15 and some change. This bank sucks! I never had this problem with capitol one

I had a similar experience. I deposited a check, bought a sackful of groceries, got slapped with overdraft fee. Coincidentally, I saw a flyer taped to the wall of the drive thru window that mentioned something about increasing revenue from fees. BB&T has left a bad taste in my mouth. What exactly are inactivity fees? It's ridiculous.

Filing formal complaints to get real results

Federal Reserve Bank Complaint Department

http://www.federalreserveconsumerhelp.gov/complaintinfo.cfm?info=1

US Treasury Department - Office of Comptroller of Currency

http://www.occ.treas.gov/customer.htm

I am very familiar with posting direct deposits as i have done this in previous work. First of all when your employer says they "send" your check to the bank of Tuesday, what they are really doing is keying it into the computer. When your employer does this, the reason they "send" it on Tuesday is because its just like a check card purchase in that it takes 2 business days to post. It is a "transaction". Your payroll HAS to know this because you said you get paid on Thursdays. Your employer fully expects you to not get your pay even ONE day early. You are suppose to get paid on Thursday and you do. Your funds are posted and available to you Thursday morning.

Second, , , if you are getting overdraft fees, , i can assure you it is not on anything you initiate on Thursday morning. More likely, its items done prior to Thursday morning, meaning you spent more money than you had prior to Thursday. Go ask your bank to show you actual posting order not just your history transaction list and you'll see.

You cannot go Wed. night to Wal-mart and use your check card, thinking "Oh I get paid in the morning". It use to be credits would always post before debits, , but we are in the 21st century now. Banks know what time you use your card and what time your deposit comes in . And contrary to popular believe, , when you use your check card, it does not immediately "post" to your acct. The merchant only puts a temporary hold on those funds. The hold is released after the first processing night. Meaning that if your trying to use the ATM instead of your check register to keep up with your balance, , your probably goin to have Overdrafts.

Most people who complain about overdrafts, probably 90%, either (a) don't know what a check register is. ( b) have one but do not write everything down, and do not keep a running balance. or (c) Round up and think thats gonna keep them okay.

By the way, , , all banks post at night, , , they all only do it once.
Praise be to the person that pioneers the posting system to be "real time"

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I have dealt with several banks in the past but BB&T has got to be the worse bank I ever had the pleasure of dealing with. I get paid on Thursday's and my payroll department sends them my direct deposit on Tuesday. I need someone to tell my how and why they add the money to my account at 6:00a.m. on Thursday but do not post it to my account until 12:00 midnight Thursday going into Friday. So if I happen to use my debit card anytime on Thursday (which is my actual payday) I automatically get hit with a $35.00 overdraft fee. When I questioned them about this they said they post money to accounts once a day and that is at midnight. So I asked why don't they post my money on Wednesday night at midnight going into Thursday. That way I can access all my money on my actual payday. Because the way BB&T is handling it...it's almost like they have changed my payday until Friday. BB&T bank told me that my payroll deptartment says don't add the money to the account until 6:00a.m. Thursday but when I called my Human Resource Department they told me they never stated that. They told me my money is sent to my bank on Tuesday and they never sent them anything saying don't add to account until Thursday. They also told me this must be a really small bank if they only post once a day and maybe I should consider changing banks. She also told me that some of our other employees that deal with other banks and credit unions have access to there money on Wednesday's after 9:00p.m. Now what kind of mess is this.

I'm am being ripped off every week by BB&T and this is a shame.

I think the Government doesn't intervene when they are benefiting from the fraudulent transactions.

So, lets find out what the Government should be enforcing and sue them for ignoring the facts and allowing the banks to take advantage of us.

If all else fails...lets remove the money from BB&T until we can find a honest institution.

DJ
proteuslife@msn.com

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i agree with what you both are saying, im just sticking up for the banking side. i manage a bank so i know how most of them run. i must add that i dont always agree with how other banks run and add that my bank charges 15 per item and has a max of 60 no matter how many items. so when you say all banks suck and that they are crooks, just remember that its mostly the big banks that treat their customers like crap.

I agree the problem is with the banks in our country. Those greedy snobs are the ones responsible for the economic mess. I say they should come up with a more logical and reasonable means for implementing fees on overdrafts.

To guy10782: I think the poster understands the system as he admitted his own fault, ergo your post is irrelevant. The fact that this overdraft charge is very common is a slap on the face of every American. When do the banks decide to raise the price of the overdraft fee...it occurs when their ### are on the chopping block.

It is time that our financial instutions ceased their extortion of the everyday little man.

it has nothing to do with percentages, it was a certain charge per overdraft item (prob around 30-35 bucks) which is very common. and might i add was prob in a disclosure you signed when you opened your account.

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BB&T is a terrible place to bank with.