I have been banking with bb&t for under a year now. I have had a bank account with a small local bank for a while up until moving it to a larger bank so i can have access across state lines for travel. I had opted out of the overdraft, so that if i dont have enough money it will deny me. Well that doesnt mean you will ever get denied at a register apparently. 113.13 later i am livid. I go in to find out why and how, oh its just how bb&t works your transactions. Also now im looking at 250+ dollars in over draft fees!!! Wtf! First i opted out to avoid overdrawing my account for this reason. Now i see why the account "specialist" insisted on me getting a debit card even though i told her 4 times i didnt want it. They are terrible people that will drain your account faster than a trophy wife with a good divorce attorney!!!! Not to mention half the people working there give you nasty looks, and treat you with little to no respect. I have not once had a "pleasant" banking experience, but this was the final straw!!
Do not do business with this bank. They tried to reduce 100% verified income by 50%, which is illegal per the FTC under the mortgage discrimination laws (complaint was filed). Then they kept trying to add back in student loans that were consolidated, even after I communicated several times that these loans had been conolidated. There is little to no communications or call backs, the underwriting process is weak and deceptive and seems to rely on illegal practices. They then tried to push me into a high fee point loan which would have required high out of pocket costs after selling me on another product that I would have easily qualified for if they would have underwrote the loan correctly.
If I was you I would never bank at BBT. EVER!!!! I am a 15 year account holder that will be closing my account over a $10.00 fee that they charged and stated that while it was not charged correctly they will not refund it.... Spread the word!!! (Share if you would like!)
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