Bb&T
Overdraft Fees Despite No Overdraft Protection, Deposit Debited

I have become increasingly frustrated with how BB&T allows debits and charges to go through when all along I do NOT have overdraft protection. All my other banks decline such charges if an attempt is made to debit or charge when there is not enough money to cover the transaction beyond any overdraft allowance. BB&T started allowing debits and charges to get approved when there was not enough money in the account.

Even worse, whenever I check my available balance and "pending" transactions, that information is not accurate either. Many times, after going back and reviewing when my account has been charged overdraft fees, I can see that the online banking display did not reveal other pending transactions and showed a plentiful available balance when I used my debit card to charge.

After I make deposits, sometimes they credit my paycheck in full, but it seems that when it is convenient for them somehow, they credit the deposit, then debit the deposit, and only credit back a portion, therefore leaving my account negative. For (3) lousy little $5, $12 and $20 charges, they pay them and allow them to go through (because there really WAS money in there). But then they debit the deposit? It seems very unlawful to me that these practices are allowed. I woke up Monday morning, 9/15, to over $100 in NSF fees. They emailed me a breakdown of how I went negative, which only happened after they debited my deposit.

The most important thing I stress is that I do NOT have overdraft protection on my account, so why do they allow any charges or debits to go through and then charge me $35 NSF fees each before they credit my deposit?

I have made honest mistakes and would not dream of asking them to refund these fees when I made an error. But when their website tells me I have money, and when I do NOT have overdraft but THEY allow charges to go through, there should be a law put into place to prevent banks from doing this. I am closing that account and plan to tell everybody I know not to use BB&T.

Company: Bb&T
Country: USA
State: North Carolina
City: Wilmington
Address: 2586 James B White Way
Phone: 9104263852

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