First off, let me say to Mr. Jones, you must be an employee. Good try.
I have been banking with BBT for a month, with over 2k going through the account. For 3 weeks all was fine, then something drastically changed. The first time, I had a positive balance after all the ledgering was done correctly. That amount vanished and they put my account in the red. A PIN credit card swipe that posted two days before just vanished, and a day later it was in the pending ledger on the website.
I did not do a printout. They bounced 4 items because of this, held my deposit, and took every one of them as NSF fees. All the money they took was from sales at my new, very small business.
They ran my deposits through and left me with a 32.00 balance, taking 105.00 in NSF fees. I called the bank that day to get something done. The lady at my local branch said my account was too new and she could not override the charges. She had no clue where my positive balance had vanished to, and in fact had no record of that number. She told me they would call me back that day to rectify the issue. I never heard back from her. I had never bounced anything with this account.
That evening at 9:45 PM my wife and I went down to Chick-fil-A and swiped a 13.00 dinner, which left us with a 21.00 balance as of 10 PM. The Chick-fil-A charge showed immediately as coming out of the available balance and posted as such when we got in.
At midnight I logged back in to see if they had refunded the NSF fees and my positive balance that had vanished. Again the 21.00 positive balance just vanished and my account was in the red again, with 3 pending deposits that were again stolen from me in manipulated NSF fees. My transactions had been rearranged and the negative balance made no sense.
The next day we went to several BB&T banks, and they did nothing but tell us we did not keep our account up. I keep my ledgers up to the penny.
When I got back in and logged in, the Chick-fil-A dinner had been moved to pending transactions after it had posted out of a hard available balance, and my deposits came through. Again they took every one, but left me with a positive balance of 42.00.
We waited and did not touch the account over the weekend. The Chick-fil-A charge just sat there, but my other deposits came through on Monday. I had an available balance of $152.00. The Chick-fil-A charge posted and everything seemed to be straight. I called the bank and they confirmed my positive balance. I logged into my computer and it showed what they had told me.
We made an $80.00 withdrawal from an ATM, where we checked the ATM balance, which stated we had 152.00 in the account. When we withdrew the $80.00, we had a balance of $72.48, which was reflected on the ATM receipt. The $80.00 posted immediately out of the available balance when we got back in, and I checked it online, did a printout, and called the bank.
The next day all looked fine. The transactions went like this:
$152.48 Positive Balance confirmed by Bank, ATM and online
-80.00 which posted out of the available balance immediately
$72.48 Balance
-$30.00 Bill came through, posted immediately and never bounced
$42.48 Balance
-8.40 PIN Transaction posted immediately
$34.08 Balance
-6.20 PIN Transaction posted immediately
$27.88 Balance
-15.40
$12.48 Balance
Here is the kicker. Midnight Tuesday night, the $12.48 balance just vanished, like in the other two incidents, and the account showed -57.00, which made no sense. The 80.00 ATM withdrawal just vanished, and it was nowhere on my ledger, even though it showed in my printout. The 30.00 bill posted and showed OK. The 8.40, 6.20 and 15.40 were moved to pending, although they had previously come out of an available balance as PIN debit transactions.
I have 3 more deposits coming through, which makes this 10 deposits they will have stolen from me as NSF fees, when each time I had a positive balance on ATM receipts, my ledgers, online and via phone.
BB&T are worse than bank robbers. This is bank fraud and I now have the evidence to prove it. Stay away from this bank if you value your hard-earned money. I will be switching to a credit union and spending great effort to warn others about this bank and their gaming methods.
I have had to take money from my personal account just to ship my customers the products they purchased, all of which BB&T has deviously stolen, every penny. They have presented me with nothing but manipulated banking reports, even though I have ledgered against them with my printouts.
We need to do something about these crooks and every other bank like them, the lowest form of life. The CEOs should be put in prison for defrauding their customers.
BB&T stands for Branch Banking and Trust. What a joke! It is more like Branch Banking and Take from you their customer.
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