In response to South Carolina, I commiserate with your anger, hurt, frustration and shock as your entire world goes down the drain into one big debt because they choose to steal from us, plain and simple. When I see that I have a $1,000 available balance and I spend some of it (it is a checking account), they retroactively charge you the old $128, $64 and $32, plus what the other businesses charge you, which is embarrassing.
By the way, Cash in a box-Louisville, thou dost protest too much and you generalized a situation you could possibly know nothing about. I'm an adult. I don't float checks, bub. Let's play a game: you go open a checking account right now at BB&T and send me your statements, and when you are at a constant negative balance for no good reason, I'll give you some advice, "check floater."
There's nothing like BB and T in the world. I asked for my signed contract. I did not get one, but I got their terms and agreement. This is so very interesting. They start off by saying, "We keep you [our customers] at arms length, we do not have a fiduciary relationship, we have only a creditor debtor scenario." Oh, and if you die and have money left in your account (ha, ha, ha!) to give to your beneficiary, it goes away to BB and T for administrative processes.
I am going to write a sample every night from their terms and agreement. I have read many, many contracts but have never seen anything so fascist in my life. I'll never get out of the hole they dug me, but I plan to fight this. I am an experienced paralegal who understands our consumer rights in addition to banking law. The attorney I work with would like to take on a class action suit. Someone must stop them. I am thinking about going to one of the news shows. BB and T changed their name a couple of years ago due to scandal, something I picked up researching case law.
I am going to attempt to leave my email, but they probably won't let me. Please keep reading. Thank you.
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