I have been banking for well over 26 years and have never had trouble with a bank. I opened an account with BB&T in 2003 when relocating.
One of the biggest mistakes I have ever made.
They lace their system with ways of collecting service charges after service charges, to the tune of $34 a shot. Rarely will there be just one charge on an occurrence.
They now have a system where they will allow charges to take place on your debit card when funds are not available. Now, this was not the case when I first opened my account, and it should not be now. They also will charge you $11 per month service charge, and if it overdraws you, guess what! Right, at least another $34.
Now this is not all. I had a fraudulent charge of $390 made against my bankcard from an online employer. As a result, I had several outstanding checks come through as an overdraft! By the way, understand this: I did not have the $390 in the bank to pay these thieves. They tried to get almost $2000 the first try, and from that point they just kept entering amounts until something went through. Why would BB&T let this happen? Well, I know, do you? The bank did call me immediately to inform me of this transaction, and for that I am grateful.
As a result, an investigation did prove this was a fraudulent action, and I had the $390 deposited into my account. Great again, but BB&T refuses to take off their overdraft charges of almost $300 as a result of this action. Unbelievable! (Or is it?)
To say the least, if I do not somehow come up with almost $300 in a week, they are going to close my account. Now, since I am looking for additional work and only have a part-time job at this time, how am I going to come up with hundreds of dollars for these crooks?
The economy where I live has an unemployment rate of 14%. I have lived here now for 3 years and have constantly struggled to work whatever I can come up with to survive.
That is not the point for this entry though.
I regret the day I ever opened an account with this bank and I want to warn others before they do also.
Be assured, as I said, I have banked for many years, and I have no record of bounced checks and such until the "mighty BB&T."
I will have to pay these folks so I can open another account elsewhere, so I have no choice but to come up with something.
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