Bb&t bought out the bank i had my account with, so i just left my account open. At first, everything was fine, all problems solved quickly and politely. Then, starting in 2010, i started getting overdraft fees on my account. After waiting 45 minutes to see someone, it was discovered that a business elsewhere was processing their checks through my account. The explaination "data entry operator must have miskeyed" okay, that was fixed.
Then i got a notice through the mail that the first $100 of deposit available immediately. Again, overdraft fees. The explaination "we never got that notice" and i was told "dont spend money you dont have" excuse me!!!!!! And i do have a witness to that little episode. Now, i have been told that since i dont keep a minimum balance of $1500 in my account, and i dont have direct deposit i am being charged &10 a month maintenance fee. ( this is one notice i did not get in the mail! ) also, there is a mysterious $4. Oo a month service charge on my account that absolutely no one seems to know anything about!
When i called the west virginia attorney generals office they informed my that since the headquarters for bb&t was in north carolina, this state could do nothing about it. They are sending me a complaint form, but i know it is useless. Is bb&t trying to run all the small accounts out of their bank? How many people in this day and age can keep a minimum of $1500 in their checking account? If they want only to deal with corporate accounts and millionaires, why offer personal checking accounts at all? Well, i guess that maintenance fee adds up to quite a chunk of money, and those overdrafts can pay quite a few salaries. I am ready to go back to cash and money orders!
We are new to the area have banked with bb&t in nc for years without incident. This is the second time i have been insulted by a teller that does not know what they are talking about and should not be dealing with peoples money! A customer made a check out to cash for me, for not a lot of money, but what was supposed to be a, convenience for me. I took it to our, well informed teller, and asked nicely to cash it. I was told she could not that only the person that wrote the check could cash it because it was made out to cash! So not wanting to cause a problem for this young woman i said alright just deposit it.
She said she could not do that either because it was made out to cash and only the person that made out the check could use it! At this point i wanted to ask her just " how ignorant she was" but instead lost it for a moment and just said she did not know what she was talking about. Just so you know a check made out to cash is a "bearer paper" which can be cashed by any bearer! It is sometimes done out of convenience or for what ever reason the account holder decides to make it out to cash it is their priority.
It is also the bearers right to cash such check. I believe the people that work in this branch need a lesson in banking laws and regulations. As well as customer relations. I don't normally do this type of thing however, this is the second time someone in this branch didn't have a clue, and it is my money they are handling.
So BBT says "sure you can go online to open a new account. Great' I say. So I go home open the account and take my moms debit card and deposit $100 in my new account and bam! both cards are locked down and im reported for fraud. BUT, I we both wouldn't know this till 9 days later when we finnaly call to see what's going on. then the headaches really start. so there is nothing anyone can do the money has vanished into thin air along with direct deposit. now there's another week delay and still fingers being pointed at each other and the dumb looks of blank stares just keep pouring in.
If BBT doesn't know how to take advantage of todays technology then go back to filing cabinets. So in conclusion this will prolly be taken down and deleted b4 it gets a chance to be spread around on the other fake BBT facebook sites im going send it to. And as a convicted felon this could send me to prison forever as I am not allowed to even sneeze hard in society so so much for trying to get my life straight. Thanks a lot.