BB&T
ATM deposit of $600 unseen by system, $204 in fees

I believe that BB&T is a ripoff to customers who do not have direct deposit. I have had problems with this bank since I opened my account less than a year ago.

The problem I have is that we were not told, when we started this account, that there would be so much confusion about what their policies are. When you are given the wrong information and end up paying for it, all they can do is listen, and nobody can do anything except the top manager over all the branches in the area. The bankers and managers are not empowered to credit back anything, not even 2 dollars, even when it is the bank's fault!

For example, we were told that the best place to make a deposit is through the ATM because it would credit to your account sooner than going into the bank. So that is what we did. They also said that 100 dollars is made available from the deposit right away... and that if they see a pending deposit when you have checks going through, they will take from that deposit.

The problem is that that was not what happened. I made a deposit of $600.00 when I already had $172.00 in the account. The ATM, phone bank, and online bank had all added the deposit. The problem was that the system the bankers see, and the one the computer goes by, does not see the deposit because they are on a different system. So it did not go through until Monday night, and they had taken out $204 in bank fees and said my account was in the negative, but I got my balance on the phone, at the ATM, and online, and all said I had money after adding the deposit.

I was told that, the way BB&T is designed, you cannot go by any of these systems that they offer, only your checkbook, because their system is different from their other ones... This causes so much confusion: the employees are confused, the customer is confused... the managers are confused. And the customer ends up paying for all the confusion and misunderstanding, and BB&T does not empower their employees to do anything about it. There is just one person who is always in a meeting and never has time to talk.

I believe the way the computer is set up is to cause confusion so they can make money for themselves, and then they tie up their employees' hands so that, even though they are wrong in all their fees, nobody can do anything except one person, who is in charge over all the branches in the area. How pitiful and sad is that??

Company: BB&T
Country: USA
State: Virginia
City: Chester
Phone: 8047485052
Site: bbandt.com

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