BB&T - Branch Banking & Trust
Deceiving Innocent Customers

This is in response to all of the comments I see about this bank. I was also charged a tremendous amount in overdraft fee's that I could not figure out. My husband and I both work, and make a good living, but starting the first of October, we were being charged overdraft fee's on a weekly basis, with at least 300 dollars a week coming out of our checks. This was very confusing to us, because I check my balance on a daily basis, and I also monitor the pending transactions. Long story short, we went to the bank and asked for a daily running balance. On three different occasions, I had ended the day on a positive balance, but had been charged overdraft fee's???
Well, basically here's how it works according to our bank. When you use your debit card and it goes into pending transactions, it is deducted from your balance. This is why you have "available balance and current balance." OK, here's where it gets good. If the "merchant" (wherever you used the debit card) does not take their money within 2-3 days, BB&T removes it from pending, and puts the money back into your account. It just is kind of floating out there.in reality, it is still pending, but for most people, you saw it in pending, so therefore when it isn't there anymore, you assume it went through. Wrong. This keeps your balance up, and most people will continue to use the card thinking they have more money than they actually have, and at the last minute, here comes all the debits that you thought had already been deducted.
It is a very deceiving practice. Most people live paycheck to paycheck. So, long story short, my husband and I have started keeping every single debit receipt and monitoring on a daily basis, and until it actually comes out of the account, we hang onto it. You can not rely on the balances that BB&T gives you. Oh, when I asked how I ended on a positive balance and was charged overdraft fee's, the answer that I got was that they have a different running balance than I have. Now, what kind of banking is that? Nevertheless, they did refund 438 dollars of our money, not anywhere near what we have paid in fee's. Thats another thing, if you go in and have done your homework, they have a system set up to refund customers for overdraft fee's. They are not advertising this, but they are doing it. I too think they should pay for what they have done to innocent people. I hope this helps someone out there who is still trying to figure them out.

Company: BB&T - Branch Banking & Trust
Country: USA
State: West Virginia
City: Oak Hill
Address: Fayette Square

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