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Branch Banking Informative - Predatory Banking Solution for the little man!!! woman!!!

Review by tugboat on 2008-06-27
RALEIGH, NORTH CAROLINA -- Anyone who has been ripped off by your bank, listen up for a sure fix I used today to get quick solution. On Friday I deposited a $1000, I will up-front tell you it was through the BB&T ATM after the 4pm cut-off. It was also another banks check. My issue with BB&T was that it showed credit on my account, so over the weekend I used my ATM card seven times. On Monday I went to use it again & it was frozen. I checked my account on line and even though it showed my deposit, BB&T did not give me the credit and I had seven bounce charges totaling $245. I spoke to my teller I usually deal with and I have to say that she is a wonderful person and was doing her job when told me there was nothing she could do to help me. The Branch did not have time to speak with me because she was doing employee reviews and said that she would call me on my phone to discuss my issue. Two days later & still no phone call I returned & spoke to my teller & another bank officer (Branch Manager still not available). I explained my position nicely to them & also let them know that on Monday I would welcome them to work with coffee & donuts from my picket line in front of the bank. This did get there attention and they responded with how upset they would be to have me arrested. Their warning was very much appreciated and so I provided them with a copy of my picket permit for their bank location & then I HAD THEIR ATTENTION. Two hours later a bank rep called with their apology & instantly my $245 appeared in my account. The key is be nice, but firm in your stance & have your permit in hand.
Comments:12 Replies - Latest reply on 2008-06-28
Posted by madconsumer on 2008-06-27:
oh boy .....
Posted by Ponie on 2008-06-27:
Yeah, sure.
Posted by CrazyRedHead on 2008-06-27:
I'll believe that one when pigs fly and cows talk.
Posted by Ponie on 2008-06-27:
Red, I believe one of the two you mentioned did this post. :)
Posted by CrazyRedHead on 2008-06-27:
Huh??? Sorry, I have a headache and I am not comprehending.
Posted by CrazyRedHead on 2008-06-27:
Huh??? Sorry, I have a headache and I am not comprehending.
Posted by CrazyRedHead on 2008-06-27:
How did that happen?

Posted by Cyane on 2008-06-28:
So you knew it was not on-us check, you knew it was after cut-off, you knew it the funds weren't available, but you decided to spend anyway? Of course the deposit is going to show as a pending credit, if it didn't, then you'd be upset that the bank lost your deposit. Then after you get hit with fees, you think it's the bank's fault? Better be careful that the bank doesn't shut down your account as you seem to be more trouble than you're worth.
Posted by yoke on 2008-06-28:
These bank whiners are getting worse than the Target whiners.
Posted by Anonymous on 2008-06-28:
No kidding Yoke! He screws up, then threatens to picket the bank to get his justified fees back, and calls THEM predatory!
Posted by DigitalCommando on 2008-06-28:
If you really think about it, it does not cost the bank 1 cent more to process a bounced check then it does to process a valid one. In my opinion, if the bank does not cover the check (pay it for you) as an overdraft courtesy, they should not be allowed to charge you anything especially if there is even the remotest possibility that the consumer believed in good faith that the funds were available, or should have been. But with banks now trying to recoup their investment losses, they are turning on their own customers. The question I have is how can the poster use his card 7 times drawing on funds that were not there if the bank did not make those funds available? The poster stated they were "bounced" charges, not overdraft coverage fees.
Posted by tugboat on 2008-06-28:
To all those who did not understand my post. BB&T did in fact show the credit on my account. I used my card in good faith.
DigitalCommando, thank you & those who took the time to read my whole post. they were in fact listed as nsf, bounce was the incorrect word. CrazyRedHead pigs fly and cows do talk.
Would you like a copy of the picket permit? My point was not to abuse the bank employees, but to show that the banks have rules that allow them to take advantage of their customers and the only option the regular person has is to call their bluff. I have been a customer of BB&T for 18 years and I have seen the bank create rules that are designed to unfairly profit from their customers. I am not some nut job who is anti-business. Right is right & wrong is wrong and the treatment that banks are giving their customers is unfair.

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