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!
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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