BB and T Bank Informative - Use of debit card and downfalls of it
ROBINSON CREEK, KENTUCKY -- I have used this bank for 4 years and just became aware of the downfalls of a debit card for especially lower income people. They say you can use it as a credit card, but when you make a minor error it can cost you hundreds of dollars that you cannot afford. I actually got to the point I wrote no checks but used the debit card which is unfortunate for me. I forgot to write in a purchase and this caused my acct. to overdraft which is normal, but I did not receive a notice till one day before late fees started and till my acct. was overdrafted and with the fees of a total of $344. I called the bank and talked to Benjie one teller and a friend told me to call back that he would help me try to get some of the fees took care which they do for certain clients. I talked to another teller named Rhonda who told me more about how the debit card system works or in her words anyway. I called the bank back and that is when Benjie got back on the phone and gave me a different version in her words and I told her we needed to talk to first teller because they had me confused. Rhonda got on the phone and was explaining what she said to me when Benjie interrupted and started putting her words into Rhonda's explanation. What Benjie said and what Rhonda said were two different things even though I found out they meant for them to mean the same. The teller Benjie got hateful and said I did not understand. Which I do understand more then most with my BA degree in accounting and office admn. So I did something I should not have an told her she acted like an ass hole treating me the way she did.
So to be honest what this bank and other banks need are one way of explaining their services without it sounding totally different, to stop forgiving fees for those people who have more money then others or more power and treat everyone the same and last and most important the whole banking system needs to have a better way of letting people know that something is wrong with their acct. The online banking, 1-800 number and 5 day call they make when your acct. is in the red is not enough for the lower income bracket which makes up most of their customers. The reason I say this is because I use the 1-800 number and have to pay $2 a call after I think its 2 calls talking to a live representatives and I use the online banking also. As for the special call to let you know your acct. is overdrawn would be a good thing if it happened a day or two after the incident not 5 or more when someone like me ends up with $204 to live on for the month with a teenage daughter. I really feel that the call serves no purpose at all when they call when the $6 a day fee starts for the overdraft.
Am I a special incident unfortunately not. I talked to a friend today and told her what the bank had told me about the debit card and she said she was going to stop using hers as much because of what happened and how it was explained to me. So everybody be aware yes you can use a debit card as a credit card but as for a limit. From what one teller told me there is no limit and the other teller told me there was a limit when you reached the margin of error. What this margin of error is neither teller knew. So be very aware that unfortunately sometimes a person can make a mistake and the business you deal with can not give you a clear answer. Or do more research then I did and be very picky about your banking service and make sure that all the employees give the same and a better explanation on how their systems work.