My mortgage was bought by BB and T. Worse thing that could have happened to me. Received letters stating they had tried to reach me by phone which i know is not true, I called to ask and was told " these are just computer generated letters" You dont send computer generated letters to someone who is trying to get a modification on a mortgage that is at 7%!!! BB and T took the government bail out money but they are very slow to look at mods and the refinance dept was just as, if not more, incompetant. I would NEVER do business with this bank in any capacity!!! Going to try to find a way to complain to FHA. Was on hold for customer service for 15 mins. finally gave up. If you are trying for a refinance or a modification try another company!!! You will get farther.
I have several accounts with this bank, including vehicle, home mortgage and investment loans, as well as checking and savings accounts. Everyone was extremely professional, courteous, and made me feel that they wanted my business. My previous bank (of 12 years) seemed like they wanted me to jump through hoops to get anything. So I switched to BB&T for everything and I have not been disappointed.
On infrequent occasions, I have written a check that will be for more than the amount that I have held in my account; most recently a check for $25.00. I will agree that this overdraft is my fault; however; BBT's fee response, to me, borders on gouging! If you have an overdraft of only $25.00, you will be charged an "overdraft fee"of $36.00 and a "returned check fee" of another $36.00. So, the $25.00 check along with the fees will cost you $97.00. With this type of fee penalties, no wonder that people have little sympathy for banks. No one likes to be gouged.
And another thought: even if you have exemplary credit, if you are a small business start up, do no expect to get a loan from BBT. Enough said. a word to the wise!