Ok, so this all kind of started on September 12th when I made a deposit into my account of $345.00. There was $4 dollars and some change already in the account. I paid a bill in the amount of $352.09 and it caused my account to go negative in the amount of $2.67. I called BB&T to see if the fee would be reversed as a courtesy, plus the overdraft was such a small amount. No such luck-fine! It was my fault that the account was negative so I let it go.
I made a deposit of $132.00 on September 16th and a $35 overdraft item fee was deducted from my account, leaving me with $94.33. I made purchases of $28.10, $56.65 and a hold of $1.00 was placed on the account for a gas purchase. That left me with $8.58 until I returned some merchandise to a store on September 18th and received a credit of $13.38. I knew the gas purchase of $13.04 would be settling and posted to the account soon, so I immediately called BB&T's automated service to find out if the credit had posted. I was told I had $21.96 in my account. I was relieved because the gas purchase would be paid and I wouldn't have to make a mad dash to the bank this morning (Septemer 19th) to make a deposit to cover the purchase IF it was not posted at midnight and there were overdraft charges.
I checked my e mail today and there were two notifications from BB&T stating my account balance was zero and that it was negative $25.08!!! I immediately called customer relations and I was FURIOUS! I was also online looking at my account and saw that the gas purchased was settled, but the credit was pending with today's date and a $35 overdraft item fee had been charged. I spoke to a representative who danced around my question of why the credit was in my available balance a of yesterday, but was not posted at midnight, causing an overdraft. I demanded to speak to a supervisor. Pam Causey came to the line and joined in doing the jig with the rep I'd just spoken with. No one could give me a valid reason as to why BB&T posted debits before they posted this credit which so obviously would have avoided an overdraft.
I have another bank account with SunTrust which is where I keep the majority of my money and it's a good thing I don't invest all of my money with BB&T. I have never had such a problem with SunTrust! I immediately went to both the Better Business Bureau and the FDIC online and filed complaints. I don't want any rebuttals from some "holier than thou" idiot claiming I should balance my account better because wrong is wrong and in this case, BB&T was more wrong than two left feet. When I'm done typing this, I am e mailing usacomplaints.com to find out about to begin legal proceedings because there are more people citing the same problem I am having than there are goody two shoes stating they haven't had this problem.
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