I have had several run ins with BB&T. Let me start by stating that I worked in the commerical banking field for over 15 years. During that period, banks processed items to your account in the following order, credits always first, ach or pos items lowest to largest, then checks, lowest to largest. Thatis NOT what BB&T does. They do all they can to incurr 35.00 nsf fees. I am sure they post larget to smallest and deposits last. Their NSF fees even come before deposits.
On 12/12 I looked at my online account and it said I had 164.00 (I'm rounding) available. I knew I had a couple of auto charges coming out but I thought I had enough for an item for my grandson. The very next day - I am charged 105.00 in NSF fees for 3 items that posted. A 6.99 item, a 38.00 itema nd the charge for my grandson of 55.00. How can I be charged 105.00 in NSF fees when they (BB&T) told me that I had 164.00 available the day before. Nothing charged to the account except those items. Are you telling me there was not enough to even pay the 6.99 item? I immediately ran to the bank and put in a 200.00 deposit. The next day they charged two POS items (one I had truly forgotten about and did not post the 200.00 deposit. Now I am charged another 70.00 for those two items. I may believe the charge for those two items but surely not the nsf charges for the 6.99 and the 38.00 items on the 15th.
BB&T is the only large bank that does not show a statement on-line with running balances to include anything they have in oending. Pending is just that, pending. If the item could be posted and consequently make your account overdrawn, then it should not be called poending. If there is not money int he available, then don't tell it is. Their entire policy to make us incurr charges. Charges that only the poor are paying. People with money don't have this problem. We are poor enough. This is the first time in 35 years I am unemployed and can't find work. This is my unemployment money they are taking. You can'[t live without a bank account but this is ridiculous. Someone needs to help take down these crooks. I can't imagine the money they rake in by swindling the low balance account holders. It has to be phenominal.
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