I have had several run-ins with BB&T. Let me start by stating that I worked in the commercial banking field for over 15 years. During that period, banks processed items to your account in the following order: credits always first, ACH or POS items from lowest to largest, then checks from lowest to largest. That is not what BB&T does. They do all they can to incur 35.00 NSF fees. I am sure they post largest to smallest and deposits last. Their NSF fees even come before deposits.
On 12/12 I looked at my online account and it said I had 164.00 (I am rounding) available. I knew I had a couple of auto charges coming out, but I thought I had enough for an item for my grandson. The very next day I was charged 105.00 in NSF fees for 3 items that posted: a 6.99 item, a 38.00 item and the charge for my grandson of 55.00. How can I be charged 105.00 in NSF fees when BB&T told me that I had 164.00 available the day before? Nothing was charged to the account except those items. Are you telling me there was not enough to even pay the 6.99 item? I immediately ran to the bank and put in a 200.00 deposit. The next day they charged two POS items (one I had truly forgotten about) and did not post the 200.00 deposit. Now I am charged another 70.00 for those two items. I may believe the charge for those two items, but surely not the NSF charges for the 6.99 and the 38.00 items on the 15th.
BB&T is the only large bank that does not show an online statement with running balances that includes everything they have pending. Pending is just that, pending. If the item could be posted and consequently make your account overdrawn, then it should not be called pending. If there is no money available, then do not say there is. Their entire policy is to make us incur charges. Charges that only the poor are paying. People with money do not have this problem. We are poor enough. This is the first time in 35 years I am unemployed and cannot find work. This is my unemployment money they are taking. You cannot live without a bank account, but this is ridiculous. Someone needs to help take down these crooks. I cannot imagine the money they rake in by swindling the low balance account holders. It has to be phenomenal.
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