I have been banking with BB&T ever since they have taken over my original bank which was First Virginia. I have never had issues concerning deposits and overdrafts until I started banking with BB&T.

Over the years I have paid around a couple of thousand in overdraft fees. The first time I figure it was due to my own irresponsibility. But then it happened again, and again, and again. And in one instance I was slammed with 10 overdrafts in one day.

It was around this time I started to pay closer attention to my banking practices and chalked it up to my own irresponsibility. I was told that deposits gets credited to accounts first and then withdrawals. But I'm on direct deposit with my job and have been for years. That's when I realized they were processing my direct deposit after withdrawals forcing my account into overdraft.

There was one instance where BB&T charged overdrafts to my account because of insufficient funds. In that case I had checked my bank statement prior to using my debit card and saw I had sufficient funds and went to make a purchase. I came home checked my statement and saw I was in overdraft. I was extremely perplexed. BB&T has 2 categories when explaining the funs in your account: 'Current' and 'Available'.

'Available' is supposed to be what you have available to make purchases minus any holds that may be in place in your 'Current' balance. The representative explained to me that the reason why my account went into overdraft was because I didn't have sufficient funds in my 'Current' even though my 'Available' showed that I did because of a recent deposit. So they charged me overdrafts based off my 'Current' balance instead of my 'Available' which is completely backwards from how it should be.

Fast forward to today and I have been noticing that money has been disappearing from my account. I would call the customer service and they would spin me around in circles doing all of this math I can't see and saying that the balance is correct. And here recently I've noticed entries into my online banking that reads 'Balance adjustment' where it would add or subtract funds from my account with no explanation as to what this 'Balance adjustment is'. Lately, I've been noticing these 'Balance adjustments' has been taking more money out of my account without explanation. And when I go back to look at it an hour later that entry and the amount is gone, but the amount it said I was adjusted is removed from my account without explanation.

I am done with BB&T as I am convinced they intentionally try to force customer accounts into overdraft because it's a lucrative business for them. And I also believe that they are stealing minuscule amounts of money through the form of 'Balance Adjustments' without offering explanation as to why they're taking money out of customer accounts. I am contemplating a lawsuit.

BB&T and the overdraft fees that are charged are unbelievable! I made mistake, and yes overdrew my account a few dollars earlier this week...unaware of it I used my debit card several times for small purchases, eardrops for my son, a loaf of bread and a bag of chips, $10 in gas, etc...by the time I became aware of what had happened I had 7 overdraft fees charged to my account for a total of $245. Yes, I made a mistake but why wasn't my debit card declined? Why wasn't there some safeguard in place? I asked the relationship banker why after my account was in the negative on Monday, I was able to use my debit card on Tuesday, and Wednesday...she stated that the card is not declined as a "courtesy"...a courtesy..to who...it certainly was not to me! I asked if there was a way to reverse a few of the 7 fees charged, and was told "there's nothing I can do." On top of everything else...if the account was not brought to a zero balance by Sunday...there would be a $30 fee added to the account! Unfreakingbelievable! My father loaned me the money to zero the account.I closed my checking account, and my children's savings accounts! They lost not 1 but 3 customers due to their "courteous" behavior. There is no reason for a bank to be so GREEDY!

Here recently I was charged twice for this months auto insurance payment. My auto insurance company admitted it was there mistake and refunded my a payment but charging me twice made my bank account over withdraw.

When I explained this to my auto insurance company they said they would be more than willing to get a hold of BB&T and explain the situation and help resolve my problem. When I went to my local bank they informed me I would have to email them from there site and they would pass it along to the person that was in charge of that field.

When I got back home the first thing I did was email them and explained the problem and gave them the number to my auto insurance provider. Well three days later and 5 more overdraft fees on stuff I originally had the money for I got a email back.

They informed me they had no plans to contact my auto insurer and told me that "even if it was a mistake on there behalf it was still a charge towards my account and I was responsible for it."

I sent them a email back saying how was I supposed to know this was going to happen. Any other bank would have denied one of the charges since I didn't have the money for it. They haven't sent back a reply.

dear board i am disable due to a bad leg, i am a christan woman and like every body . i went to the bank to consatdate a few bills and they did and gave me a vista card with a 5000 dollar limit. weeks later i received a letter telling me they had pay my bills twice. and it was up to me to get the money back. they said that i had call and said to tranattion which i didnot even know what that ment. i call my crediters and got the money and gave to the bank. i call the bank manger but he would not return my call. come to find out there was three cards in my name. i only reply for one. dont they ask for your ss number. one card came back to the bank. they said they did not where the second came from. and bless patty they send me a fourth card. i am at the end of my road. if i could move my account i would. now they hate to see me come in the bank i am not responable for they mistake . i wish i had somebody to tell my what to do . thank you

I noticed a $950 withdrawal from my daughter's savings account, made on the same day that we made a deposit for an almost identical amount. I thought it might have been an error in the cashing of bonds we had just completed, but it appears to be the sheer stupidity of the Wellington branch personnel in Manassas, VA. A teller apparently wrote down my daughter's account number on someone's else's withdrawal slip, then withdrew the money, not noticing the name on the account, or requiring a signature on the withdrawal slip, ( 3 mistakes so far). When I came in and asked to see an image of the withdrawal slip, the customer service rep was so inept that he literally could not distinguish between my checking and savings accounts. When we finally saw the image and saw that a grave mistake had been made, the branch manager sauntered over (he had been busy with his Blackberry) and told me that he couldn't do anything about it till Monday (it was a Friday) because the teller involved had her tapes under lock and key. They finally did restore the money, but their arrogance and indifference is appalling. This was college tuition money we needed and didn't have in time for the payment. Clearly, you need to check your accounts carefully because BB&T won't. And don't expect any level of customer service to resolve your problems.