This is not the first time it has happened. I called immediately when I saw overdraft fees on my account, but I could not track where and what they were actually posting the overdraft charges to. Someone at the banking center gave me answers like, "I can't really explain how..." or "All I can tell you is that if you balance your check book..." Well, thank you, BB&T, for trying to help me balance my check book. That's really thoughtful of you. I would clearly understand an overdraft fee being applied if I could see it posted to my account, but this is what I was told:
"BB&T charges an overdraft fee for any monies that may leave your account - even if only in a pending or holding state. If the monies are removed even into a pending or holding state, the bank has every right to charge your account an overdraft or non-sufficient funds charge."
Hmm... So even though you, BB&T, are not paying the vendor for the transaction (which is why you would charge ME an overdraft fee - right? For having to pay for something that I did not have???), why am I getting charged a fee? In my opinion, this is a huge bank error causing BB&T to profit off thousands of people who may think, "I can't get to the bank right this second, but I'll deposit cash first thing in the morning." BB&T says the money left the account, but I was clearly told that though the money is removed from an account, the merchant still doesn't get paid until BB&T receives the paper transaction. So why, BB&T, are you charging people for something your company hasn't even had to pay for?!
Last week, Apple put a hold on my account for $124.00 and charged my account $105.00 and $18.00. This was for an iPod that I had purchased. Let me make this clear: Apple did not receive this money, and this transaction never posted to my account... Several items on my account were charged overdraft fees, amounting to $374.00. I am by no means rich. I did not know there would be a hold on my account. When we went to BB&T to find out the problem, they told us we had to talk to Apple, and that as soon as that money was released from hold and put back into the account, they would refund the fees. Apple released the hold the same day. A week later, we were wondering why our fees were not refunded to us. We were told that corporate denied our request, stating it was not a bank error and we needed to seek retribution from Apple. Ok... Do they really think Apple is going to pay us? How marvelous, a bank that is so concerned about its customers that it won't refund money that was clearly an error on both parties' sides.
Don't bank with BB&T! They are one of those steal-from-the-poor, help-the-rich types of banks. Never, never, never was our well-being, as their customers, put into action. Thank you, BB&T, for showing the world that $374.00 is more important to you than the human lives of people living in the state you so righteously claim to serve. You are a bunch of fascist mongrels who won't get away with the way you are banking. I have banked with B of A, Wells Fargo, and Capitol City, and not one of these banks has ever done business the way you do. The scandalous overdraft charges are going to come back to bite you.
Thanks.
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