BB Complaint - Insufficient fund charge
LUMBERTON, NORTH CAROLINA -- I had an e-savings account that I had not deposited any money in it for way over 5 months because I had lost my job. The state put a lien against it for collection of owed state fines. BB&T applied a $100.00 fee on my account and later after 2 insufficient charges totaling $60.00. A letter was sent to me stating that I had recently overdrew my account of $100.00 because it is considered an outstanding balance and I need to make a deposit. The account had been overdrawn for 20 consecutive days since that statement was sent out and they have applied $30.00 for the negative balance. They went on to say if the account remains overdrawn, it will be clsoed in approximately 20 days. Any negative balance will then be reported to ChexSystems and to any local Credit Bureau. QUOTE: "BB&T charges an Overdrawn Account Collections Fee on the 7th consecutive day that an account remains overdrawn, plus collects a $30 fee when charging off an account." The second letter which was dated 22 days later indicated that my account has been overdrawn for at least seven consecutive days and has a negative balance of $32.50. Please make a deposit to remain in good standing. Shortly after that, I received another letter implying that my account was overdrawn $160.00 and it was closed. I have sent out a letter to the FDIC in hoping that they can get these charges removed, but what else can I do. The bank defines an overdraft charge as- when you spend more than you have in your account (which was not the case)so why am I charged these fees when I was not aware this lein was going to be put on my savings account?