Unbelievable! I attempted to make my home insurance payment online, like I had so many times in the past. When I went to my insurance company's website (where my payment info was on file) and attempted to make a payment, it clearly said my financial institution denied my transaction.
I closed the website and opened it back up, re-entered all my info and attempted to pay my homeowners insurance again. It said "your financial institution denied your transaction". I was unsure why this was and decided to just pay by check.
I then went to the ATM and deposited my paycheck, which in theory will post $100.00 immediately. I then went to the grocery store and purchased groceries.
The next day I went online to check my account. I was charged 3 overdraft fees, two of which had no record of a transaction, and the third was for my grocery purchases. My $100.00 immediate posting had not posted because of the two mystery transactions, the second of which theoretically overdrew my account. They had not posted because my account was overdrawn, not really. Still to this day there is no record of my attempted insurance payment. I contacted my insurance company, and they emailed their daily transactions for that time period: no payment received. However, BB&T somehow stole my money and would not give it back. No one there can explain to me how this happened.
I am convinced that there is a computer program written to rip us off somewhere in the BB&T banking system. You know, we are all human and make mistakes, but when we do, they charge us $35.00 each time. I have caught them in mistakes, and it would be nice if we could charge them back. I know they practice resequencing, where they hold your deposits and run your debits to overdraw your account.
I also consolidated my two mortgages into one. Two weeks later I got a call from BB&T in N.C. telling me I was behind on my second mortgage payment. I told them I had consolidated two weeks prior, and this call did not inspire confidence in their company. It seems that one hand has no idea what the other is doing.
I am in the process of getting away from BB&T, and I advise everyone else to do the same. Perhaps one day they will face the consequences.
I am on board for a class action lawsuit, and I am in the process of filing complaints with my state banking commissioner and my state attorney general's office. I suggest we all do the same.
Good luck.
0 comments