BB&T
Garnished Account, Declined Cards and Refused Direct Deposit

Well, from the looks of it, I am not the only one with complaints. We have banked with BB&T for about a year. The problems started within a couple of months of opening the account. We were new to NC and thought they would be a good financial institution to go with. My husband had banked with BB&T previously, although it had been a while.

We had an issue with the NC Department of Revenue for a tax year in which we did not even live here. BB&T allowed them to garnish our account with no notice. When we realized there was a problem and contacted them, that was when they informed us of the issue. We did receive a letter almost 10 days after all this happened. So not only were there NSF fees, but BB&T charged us $75.00 to let them do that. Pretty handy for them.

When the issue was finally resolved and we took them proof, we were told we needed to get the NSF fees and the $75.00 back from NC.

Next, and I know everyone loves this: you go to use your ATM/debit card (with money in the account) and are told that it is declined. You try both cards, because there is no way both should not be working, and guess what? It is declined as well. Facing the humiliation, you charge it to a credit card and leave. You get home and call to find out, and they have no idea what happened, but both cards were canceled. Hmmm, and they can even tell you where you tried using it. Pretty smart. So we changed banks and left only my husband's VA direct deposit going there.

Now they are telling the VA that our account is closed, and they returned the deposit to the VA. Not having any reason to think there was a problem, we used our debit card to get cash from our account. No problem, it gave us cash. Now comes the interesting part. Every month a set amount of money is pulled from checking to savings for overdraft protection. We had money in savings, and they did transfer it over. They charged us $10.00 to do it and charged us $35.00 for an NSF fee in checking (so much for overdraft protection). This was on an account that is very much open and that would have had money in it if they had not refused the direct deposit.

Today was my fifth day calling because we got a letter stating our account would be closed, it would be reported to ChexSystems, and we would be charged a $30.00 charge-off fee. This was because our checking account was in a negative balance, once again because they refused a direct deposit.

I have gotten nothing but the runaround. Everyone is busy, they are not at this branch today, they are with clients, or when you call the 1-800 number you are told it needs to be handled at the branch office.

Do yourself a favor and bank with someone else. It seems they like finding all kinds of creative ways to take your money.

Company: BB&T
Country: USA
State: North Carolina
City: Goldsboro
Address: 207 E Ash Street

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