I agree you cannot just give money back. However, if you have someone who has been through this before, I would think it would behoove you to help in finding ways to avoid this in the future. Also, much more occurred that was not stated, because the report would have been even longer. What about the unreturned phone calls? What about my bank card not being reinstated, and my not finding this out until 6 p.m. on a Friday night? Then I could not get in touch with the person who PROMISED me it would be reinstated, not to mention that I had told my creditors at that point that I would be able to pay. That put me in a real bind. Then they gave me a hard time about cashing paychecks to try to keep my head above water, even though we had been through all of the issues and they were fully aware of the problem.
I am the one who did all of the legwork, not BB&T. Had I waited for them, it would have taken weeks longer. I called the vendors and told them to put stops on these shipments immediately. In fact, many of them had not even shipped yet, and I gave names, phone numbers, etc., detailing who I had spoken to at the vendors' places of business.
BB&T needs to either put more people in its fraud department or put more of a sense of urgency into these issues. After all, the customer, yes YOUR customer, is the victim here and in dire straits to get this cleared up. There is a person behind this who did nothing to ask for it. You give out debit cards when customers open a checking account, so we should not be afraid to use these cards as cash, one of the "benefits" listed for opening said checking account.
You mention putting my anger onto the people who are committing this fraud. No problem, if BB&T put more emphasis on pressing charges, even if the amount is under $10k, because believe me, if I had $10k, I would not be in as much need as I was when this happened. Law enforcement would have had more flexibility to do something about it had BB&T pressed charges or pressed the issue to determine who was the root cause, but of course they chose not to. That right there is the issue: because I was not ripped off as big as someone else, it is not as important to figure out who CONTINUES to do this to me? That is not good customer service or protection as far as I am concerned.
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