I had a checking account with BB&T and a savings account linked to it for overdraft protection. The checking account was opened in Gloucester, VA, and the savings account was opened in Charlottesville.
I was told this was not a problem because the accounts are computerized. My mother was helping with my account because I was sick. I wrote a check for $2.00 more than was in my account, and it bounced. In fact, 12-18 checks bounced and were returned. Each check carried a $30 NSF fee, plus I had to chase down and pay each check plus their fees. It cost me well over $1000.
I am the sole support of three children, and being sick, it about killed me financially. When my mother and I approached the bank, they claimed it was a computer error and would not return my fees or give me a letter stating it was their fault. Eventually I was taken to court because of the amounts of the checks and charged with a felony. I also spent 3 days in jail.
When I went to court, I was found innocent, and the judge told me that the evidence was enough that I should take BB&T to court. It was very evident that it was not my fault, so I am currently trying to get them into court to sue. This has been a nightmare. I have never broken the law, and even though I was found guilty, the fact that I spent 3 days in jail for a crime I did not commit will always be on my record. Also, I cannot open an account anywhere until this is resolved in court. I feel sorry for anyone else who might have gone through this. I have contacted the Better Business Bureau with no results, and also the FTC, with no results.
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