I am a residential designer. I make large deposits due to contract work. I also work for a design firm that pays me regular salary. They currently use BB&T.
One several occasions, They have applied NSF and overdraft fees, when the money is available. On one occassion one withdrawl would have gone over the limit. (My fault-balance error). This gave them opprotunity to rip me off. On line you have the list that shows sequence of events. They reviewed my account. They pulled an overdraft fee first of $64.00. This in turn caused another one to bounce prior to even it being posted.By the time they were done it was over $300 in overdraft charges, without one things being paid. That money was taken first.
They took money from my account that could have paid all but one item. Then charged me an overdraft fee of $32.00 or even $64.00 which I could have covered.instead it cost me a grand total of $625.00 by the way they did there deduction.instead of pulling in the order in which recieved, they pulled it to get the most from my account. This was taken advantage of the moment without regard to the customer.
The other two times resulted in full refund. (If that does not admit to guilt). I made 5 extremely large deposits. (excess of $4,000). I made a few purchase and paid my normal bills. I looked at my bank statement to find I am currently $1,318.04 overdrawn. All checks were posted. I started doing the math to ensure I did not make an error on my own. Come to find out they took over $700.00 in overdraft fees and NSF fees prior to even paying one bill or debit/check charge. This was when my account was full up. Then they started down the list. As it went every other day was a new overdraft charge. The total amount (beleive it or not) in NSF fees was over the amount of my overlimit number. So If my math is correct. This error was in fact a blatent attempt to rip me off. On a further note I just changed banks 1 week to the day before all this happened.
I find it gross and dispicable behaviour to someone using my account to rob from. On those occasions it was a clear fruadulent way to extort my account. I keep my balances accurate. (I hate to pay money much less NSF fees, ect.) The IRS and others need to step into corporate america and start doing audits. They will audit small business and consumers in a minute, why not these guys.
0 comments