I wrote several checks around the first of January. It was quite a shock to me when I checked my online banking around the 18th or 19th of January and found $590.00 worth of overdraft fees assessed to my account. These fees were as follows: overdraft fees in the amount of $210.00 to cover checks in the amount of $97.00 which were paid by the bank; a $30.00 unexplained overdraft fee; and $350.00 in overdraft fees on checks in the amount of $214.01 returned to payees as not sufficient funds. Four (4) of the checks had been charged overdraft fees twice.
I had made a deposit of $337.50 on the 5th of January because I knew I had to write these checks. The total amount of the checks was $311.01. I talked to the branch manager in Charlottesville about this, and the impression I received from him was "that's tough".
In the past several months I have had a few instances of overdraft fees. At the time I did not pay any attention to them, but after this instance I have given BB&T a second look and am very disturbed by what I am seeing.
I have been a customer of BB&T since 1969, when my wife and I were first married, and have remained a customer through the many name and owner changes that have occurred over the past many years. In 40 years I never had a check returned to the payee for insufficient funds, until the last few months.
The one thing I did notice was that problems with BB&T began after their new posting process began, and BB&T even told me that they could post things however they wanted to. It did not matter in which order they were received. Also, I have checked my account many times by BB&T's phone 24 and received information about my account, and then checked my online banking within a few minutes, and the online banking told me a completely different story.
After looking at other complaints online, I can see that I am not the only one complaining about this travesty of justice.
BB&T doesn't seem to realize that customers are what make them strong and not the bank itself. If it weren't for the customers, BB&T wouldn't exist. This problem doesn't seem to end with just BB&T but seems to be the attitude of most of the big banks. The small local banks have a completely different attitude about customer service, as did BB&T a few years ago.
The first of next week all of my business dealings with BB&T will cease to exist, as I am closing all of my accounts with them.
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