Hello and welcome. First off, let's just say I'm another BB&T victim. I have been with BB&T for about a year now. I opened my account when I first turned 18.
My checking account was great for the first two weeks, until I never received my checks. I drove to the bank to see how much longer it would take before they came. The teller told me she would kindly order another package for me. I was happy. Another two weeks went by and still no checks.
Again I went to the bank to ask if they could find out what had happened to them. The same teller had no answers for me. She submitted another request for the checks. Finally, a week later, my checks arrived.
At this point everything was good. I had my checks and I had $60.00 in my account. A few months passed and I made a mistake on my cell phone bill, resulting in an overdraft fee of $35.00, which I paid the following day since it was my fault.
This is where it all started. Let me get right to the point for any of you who may have a BB&T account still active: close it ASAP or you will owe hundreds in no time. I have read dozens of reports and studied my own experiences to reach some conclusions you may want to know.
Let's start with my favorite thing about BB&T (keep in mind that I was being sarcastic). The online banking is a highway to hell. The only numbers you will ever see on your statements are red. This online banking experience is torture because they never show you your balance throughout your transactions. You are only left playing mindless guessing games. Let's not forget the systems they use must be older than me.
My other favorite thing about BB&T is that they always charge me an overdraft fee even when I have more than enough money in my account. I get paid weekly, so every Tuesday my direct deposit goes in at about 2-3 a.m. I had to pay some bills like average people do. I got paid about $260.00 that week and paid all my bills of $245.00, so I still had some money left. I looked online that night and saw that everything went through just fine.
Four days went by and I looked at my account and saw -$490.00. When I saw that, I had to take a quick trip to the bathroom to clean out my underwear from the shock, LOL. After that I made my way back to my laptop to play BB&T's famous guessing game. It seems they had some kind of lock on my account that prevented me from paying my bills. Yet all my bills were paid. My cell phone was paid and my credit card was paid. I do not understand how they lock your account but still pay your bills and then charge an overdraft fee for each bill you pay.
Now the best part, which I saved for last. Because I have direct deposit, it seems I will not be able to get my check without paying the total amount due (-$490.00). Keep in mind I only make $260.00 a week. That means in three weeks I will finally get a paycheck again. How will I pay my other bills three weeks from now when they are due now?
Also keep in mind that for the rest of my life, for every paycheck that is direct deposited into my account, I will have to call the bank to be sure they have not put some kind of lock on my account. Even if they say everything is okay, we all know it is just going to happen again.
In conclusion, I would prefer being robbed in a parking lot over being with BB&T, because at least after I am robbed I can call the cops. With BB&T they can take all your money and you cannot do anything at all. It is for these exact reasons that people my age (18) do not want to work or do anything, because we just get robbed by our government and banks. BB&T has caused me to be behind on my bills, which will cause late payment fees. Yay! Look out life, here I come!
I want to thank you all for reading my report about my favorite bank.
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