Another rip off by BBandT. After having an account with this bank for about a year, I've finally learned my lesson. This time its cost me a lot. I am disabled and receive my disability check on the 1st of each month. I've deposited my check into my account as soon as it comes in the mail. It's always deposited between the 4-8 of each month.
This time I deposited my check to my account and it showed up on my on-line account balance the next day, which was Wednesday. Today (following friday) I went to use my debit card and it was declined. I went to my on-line account and it showed -1600.00. I mailed all my bills the day I deposited my check.
I called the branch customer service rep and the branch manager. I was told that it was now bank policy that when a check is deposited into an account that you can not access the money until the bank that the check was wrote on paid the check and the money was credited to my account.
They placed a hold on my account wednesday night or thursday morning and deducted the check out of my account cause everything that had cleared to overdraft and overdraft fees of 34.00 per transaction was charged and anything else that tried to clear my account will be billed the 34.00 fee per each transaction. Leaving me with about 500.00 in overdraft fees.
I asked the branch manager why this happened. I explained that for the past 1 I've deposited the same amount of money every month from the same comapny and never had this problem. According to them when you deposit a check whether its your company pay check or your disability check the funds are held for 7-10 days and you can't access that money or use your debit card or right checks.
None of my checks have been returned they just charge all the nsf charges. I was also told to call the headquarter and see how far I got, they would do nothing for me it was his decision and its final. Be aware of this bank and stay away. They are a total rip-off. I have copies of all my deposits for the past year to prove theres never been a problem and never any questions ask.
I asked why no one bothered to call me and was told they did. I've been in my house all week and have a answering machine and no one has called. I also have vonage digital phone service and it logs every call coming and going to my home. BBandT isn't listed as an incoming call to my home.
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