My wife and I have been with BB&T Bank for maybe a year, and we have had many problems with them! We have made mistakes on our part a few times and accumulated a few NSF and overdraft fees, so it is usual that we overlook an NSF or overdraft fee that we get on our account.
That was true until this past Tuesday. I had a check for a few hundred dollars that I deposited and split between two accounts at 1:50 pm, and the teller said it would post that day. They have a sign posted that says anything posted after 2:00 pm posts the next business day, as with any bank that I have seen. Later that day my wife and I wanted to go to the store, so I stopped by the ATM to check my available balance. It showed a little over $100, and my available balance prior to my deposit was $20 or $40. So it showed a $100 credit posted to my available balance. Shoot me if I'm wrong, but if you check your available balance and it shows money there after all your other transactions, doesn't that mean that you have money available to spend?
Anyway, we went to the store and spent maybe $75. We went home and checked our account online and noticed a negative balance! Items posted totaled about $22, and we only spent $75 at the store, which only adds up to about $97. Out of $120, you spend $97 and go negative? I don't think so! There is still about $20 left over. I called their 800 number to talk to someone and find out what was going on. They were not very helpful. They said we didn't have funds available. They were not counting the check I deposited. It showed as posted when I checked my account online, but they said I only had the $100 credit, and they were not counting it in my balance. And where is the rest of my deposit? They said it is floating in the system and not available.
Finally, the next day I called the local BB&T Bank, and they said the same thing, so I went down there in person and talked to them. We went back and forth, and they had their printout and it showed my deposit on there, but they still said that it had not posted yet. Anyway, they agreed to fix it and get it straight. The next day they didn't fix it, and I got more overdraft fees. I went back, and they said they fixed it. They said I only had about $30 available and gave me a printout that said I had a $200 available balance. So I saw that, thought they had it fixed, and used it. More overdraft fees! The balance says you have money available, and BB&T says you don't, even though it shows on the printout. I have to go back up there and get it fixed again. Watch your balances!
0 comments