I was out of state, in Colorado, because my grandmother fell extremely ill. BB&T does not have branches in Colorado, so I had to call the toll-free number to check my available balance each night. On Tuesday 1/19 I had $12.67, on Wednesday 1/20 I had -$335, and on Thursday (the day my grandmother passed) I had -$750.
I contacted the bank, advising them I was relying on their system and that I would like to discuss the fees. They refused to do anything to help. They said I did not have enough rapport with them. I asked them if getting direct deposit every two weeks, never overdrafting and always following my bank account was not enough rapport. At which point they literally said no. I reached out to the teller at my branch in VA. She said she would call back, but there was no call back, no credits, no help. I called work to cancel my direct deposit, because I needed my money to be able to drive from CO all the way home to VA. The direct deposit still went through, and now my account balance, between savings and checking, is only $6.
I was furious that the bank stated there were no bank errors, so I proceeded to investigate my account. On 1/16/10 I requested a transfer of funds from my savings to my checking. The account went into overdraft on the 19th, which happened to be the same day the bank decided to finally transfer my money. The bank tellers and the website state that transfers between checking and savings accounts are immediate. If immediate means 3 days! They transferred the money after debit transactions went through, which means that while my money was sitting waiting to be transferred, they hit my account with overdraft fees and took my whole transfer to cover fees that were not my fault.
Since I discovered this, I have taken further action with the BBB and am making an in-person visit to my bank. If they refuse to take responsibility, I will close my accounts, take my $6, and let the BBB do the rest.
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