Branch, Banking And Trust (BB&T)
Overdraft Fee After Credit Posted Late, Debits Posted First

OK, so this all kind of started on September 12th when I made a deposit into my account of $345.00. There was $4 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 and $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 posting 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 would not have to make a mad dash to the bank this morning (September 19th) to make a deposit to cover the purchase IF it was not posted at midnight and there were overdraft charges.

I checked my email 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 purchase had 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 as 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 had just spoken with. No one could give me a valid reason 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 is a good thing I do not 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 do not want any rebuttals from some "holier than thou" person 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 am done typing this, I am emailing usacomplaints.com to find out how to begin legal proceedings, because there are more people citing the same problem I am having than there are goody two-shoes stating they have not had this problem.

Company: Branch, Banking And Trust (BB&T)
Country: USA
State: Nationwide
Phone: 8002265228
Site: www.bbt.com

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