BB&T Complaint - BB&T crucifies "the average Joe"
CLERMONT, FLORIDA -- I have been disappointed with this bank numerous times, initially after First Federal was bought out by Colonial, and now even more so with BB&T taking over. I should have quit them while the going was good. Now, I am paying THIS BANK a high price to get out!
Before telling my latest story with this financial institution, I must say that a few years ago this bank deposited my funds into someone else's account. I had no idea until my checks started bouncing like rubberbands! In fact, my first month's rent in my new home even bounced! To say the least, I was very much inconvenienced and furious! I was patient until they straighted the mess out, waited until they notified all of my clients who had checks returned, and was very, very understanding with THEIR HUGE MISTAKE, considering the trouble this caused me! However.......
After having a bad month financially, I was in need of help with a "stop payment" on a debit to my account, having tried to contact the loan company with absolutely no luck. I frantically stopped by BB&T, talking to the person in charge of accounts, asking for her help with this stop payment. She sympathized (right!) with me and at the cost of $34 told me I would be fine...the payment would not go through. At that time (a Friday), the payment was due to be debited from my account in two days (on a Sunday). I left the bank, feeling I had done the right thing, even though I could not even afford the $34 charge.
Six days later, I am in the car and decide to call the auto line to check my account balance. I was shocked to hear that I was over $180 in the red! Visably shaken, I pulled my car over and dialed the customer service number, and after talking with a nice lady I realized that the stop payment was a waste of $34! I was informed at that time that, because it was a debit, it needed THREE working days to take effect. My payment was to post TWO days after the stop payment was issued. The person who set it all up for me DID NOT relay this information to me. Otherwise, I would have made another decision at that time.
Now, because the payment was deducted from my account, I had ANOTHER transaction as well paid by the bank because of INSUFFICIENT FUNDS, to their credit (another $35 fee)! They have charged me $70 for these two transactions to be paid, as the money in my account was not enough after the $160 payment was taken out. NOW I am out the payment of $160 (which I did not have the money for in the first place), out $34 for a stop payment which did not even work, and another $70 for INSUFFICIENT FUND transactions paid! I am so ready to just let this account go.....but unfortunately, I have a savings account with this bank, and I am SURE they will get ALL OF THEIR MONEY from my piddly Christmas savings account! There goes my family's Christmas...thank you very much BB&T!!! You've ruined, pretty much, the rest of our year! I will settle this matter and get away from this bank ASAP! I will not give these people any more chances to steal my hard-earned money!!!