Today I wrote a message to customer service at BB&T to ask why I had an overdraft fee and to let them know my feelings about stealing from folks who trust them.
Example: Thurs. 10/09/08, my online balance was 130.00. Thursday evening I made 3 transactions with my card totaling 21.00. Fri. morning 10/10/08, my account said 109.00 and listed pending transactions. At 11:50 AM Fri. 10/10/08, I made a deposit of 623.00. Friday night I checked online. Now available was 209.00, with the 3 pending transactions still pending. They (as a favor) made 100.00 of my deposit available.
Sat. morning at 11:00 I checked online! Now I had 438.00 as available. During the night my insurance payment went through, 121.30. So, OK, but there is an overdraft fee of 35.00 AND the 3 pending transactions from Thursday night are still in the pending folder. What the heck!
So they charged for the insurance, which by the way is NOT due until the 11th of the month, before they posted my check.
I had just had a talk with the bank in person the week before about this type of thing, and the customer service rep had the deer-in-the-headlights look when I asked how this type of thing happens. This week I purposely did not buy gas or use any money, to avoid this problem and stay out of the hole. It did not work.
That is my story. Now who is the joker that posts the rebuttals on our complaints, a BB&T executive collecting our money 35.00 bucks at a time?
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