I balance my checkbook every single week on the internet at BB&T's website. Every week it has been fine, within $1 to $5. Last Friday I went by to get $33.00 out, and they said I was overdrawn. It was over a $14 plus $32 NSF fee. According to my checkbook, I had $67.00 in there AFTER taking the $33.00 out. I knew it could not be right. Everything in my checkbook is everything that they have. Everything had cleared.
The week before, my brother-in-law was complaining that he had overdrawn. The funny thing is, he has had his account for 2 months, has maybe written 2 or 3 checks, and has put in way more money than he took out. It was plain to see. I did not have time to argue over $14, so 2 hours after the account overdrew, I went in and deposited $1050.00. While I was there, an entire family was in that same branch, and I heard them complaining to a manager that they had never overdrawn like this and demanding an explanation. I was thinking, hey, me too. I told the teller that I always check my account online once a week. We made the deposit Friday morning around 10 am and were assured the money would show up by midnight Friday. We went out of town to visit my mom, who has breast cancer, and went to a Wal-Mart on a Sunday (2 days later), and it said our debit card was invalid.
Yesterday, Monday, October 11th, I went online to check the balance and see if everything was back to normal. I logged in, and all I saw was my mortgage account. They had removed my checking account so I could not see it. Today I called the 1-800 number to check my account over the phone, and it said the account was invalid. It had better not be invalid, I just put a thousand dollars in there. So I called customer support. They said my account was blocked, including my husband's and my debit card. I asked why. She said she saw an overdraft. I said, "Lady, it was $14 and that was last Friday. Why can't I have access to my OWN MONEY?" She said, "Well, I am showing a balance of $1025." I said, "Yes, OK, so why can't I use my debit card or check my account balance?" No answer was given other than sorry, we can't help you.
Why am I upset? First off, if you have a positive balance and you paid the NSF fee, then why can't you use your debit card or check your account balance online 5 days after the event? I think it is a sly way to keep you from knowing what is going on, in hopes they can sneak another overdraft on you to collect the fees. I am going to the bank in the morning and telling them I am moving BOTH my checking account and my mortgage account to another company. I suggest never using BB&T. There are way too many odd happenings (just look at this website), and I do not trust them. It is my money, and I have every right to know what is going in and out of it. How dare they take that option away from me! This is consumer abuse!
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