I received foreclosure papers today. My property is valued at $937, 000.00
Amount of note is $517, 000.00. I can not believe that my bank will not work with me with this kind of equity. My payment record has been perfect until the economic slowdown. I have had difficulty keeping up with payments, and have tried to get my bank to loan me money against my equity so that my, once very successful company, can survive. Now, like many other Small American companies, I will have to shut my doors leaving yet another American dream of "owning your own business" come to an end. Please help me, if possible, not just become another statistic. Why are the banks not required to help small business owners by loaning money with this type of equity? The banks are just trying to keep the money or in my case make my loan liquid without any regard for their current clients or the future of America.

I have been using BB&T Online for awhile. When they first began with the overdraft fee's, I felt maybe it had been my fault. But, after using their so called customer "Fraud Service", I realized it's not really a services. If they refund money to me on behalf of some company that rip me off, within the next few weeks, they will find a way to take that money back and more in overdraft fee's. The last time I was attacked by BB&T was December 8, 2008. I had come down to just a few dollars in my checking, and through their version of "when funds come in, the time, and so on", they completely whiped out my savings. I want to join a lawsuit if one is available. Please advise.

Cash is always good...right?! Not according to BB&T! I intentionally went to Suntrust to cash my paycheck so that I could make a cash deposit at BB&T to cover bills, etc. I made the deposit on 8/29/08 at 2:05 p.m. thinking all would be fine...the deposit would be credited to my account since there was no 'wait' time on cash. WRONG!! The deposit was not credited to my account until September 2, 2008 causing an INITIAL overdraft charge of $420.00!!!

I immediately called the branch and was told the same old speech about 'deposits made after 2:00 p.m. would not be credited until the next business day'. I understand that with a check, but CASH!!! I was told that the Manager could not do anything and would get with the Regional Manager for authorization, if any, to refund the fees.

I never heard from anyone that day and low and behold...you guessed it...when I check my account on September 3, 2008 there had been an additional overdraft charge of $385.00 added to the already withdrawn $420.00!!!

I again called the branch, spoke to the manager, this time in tears. Got the same speech..he was waiting to get a call back and would let me know when he heard something. Never heard anything that day either.

Sooo, I check my balance the NEXT day, September 4, 2008 and OMG!!! another $315.00 had been deducted for overdraft fees!! My husband's entire pay check that had been direct deposited into the account had been totally eaten up! I called the branch again, same story, never heard so I went to the branch. Unbelievably, I got the same story.

Long and short, I sit here right this minute STILL waiting to hear whether or not my life can go on, if I can eat, pay my rent and just have gas to get to work on Monday. I am with ANYBODY and EVERYBODY who would like to start some type of legislation to stop this type of thing from happening to the citizens of the UNITED STATES OF AMERICA!!!

First off, I want to say that over the years I have been with quite a few banks (7 to be exact). And some have been bad, and some good, but none compare to BB&T.

I opened this account 6 months ago because their new branch was close to home, and with gas prices, I figured I would save money by banking closer to home. I opened the account online, which I thought was excellent because it was a real time saver, and a representative called me the next day to let me know my account was funded and official.

The next week I made my first deposit, which was my paycheck from xxxxx. They are not a huge company, but they are big enough that their checks are accepted everywhere without a question. The deposit was accepted, however it was after 2 so it would not be available until Tuesday (Monday night processing). This caught my attention, because I thought everyone was doing all-day-banking now, at least my last two banks had.

From that point, over the next couple of months, I made regular deposits with my checks (payroll and comission) from TM Co. Some checks were for a rather large amount, but no questions were asked, they were accepted and deposited. Now, like everyone, I had a family emergency and my funds ran tight, so I was glad I had linked my savings account to my checking for overdraft protection, or so I thought. BB&T let a charge of 8.00 go through which was a meal bought at McDonalds. For that 8.00, they charged me 35.00 overdraft charge and another 10.00 'processing fee' for moving the money to cover the charge from my savings. So, I was charged 45.00 for an 8.00 charge.

I called BB&T customer service and didn't wait on hold for long, and explained to the rep my problem and that I felt that since I was charged 35.00 for the paid item, I felt the 10.00 was excessive. I was told that this was their normal operating procedure and that it was in the fine print in the agreement I electronically signed when setting up the account. So, I asked them to remove overdraft protection. That way, if I tried to charge something and there wasn't enough money, I would be told the charge was declined; a little embarrassed, but I wouldn't have the pay 45.00. I was shocked to hear that I couldn't un-enroll in overdraft protection.

I shook this bad experience off, which I regret now, but soon incurred four more charges similar for small transactions that BB&T let through. I later found out their policy is to deduct your charges because crediting your account with a deposit, that way they get to collect all their fees.

The final straw was when I went to the Newton Grove branch. Up to this point, I had always used the Smithfield branch. I went it to make my normal deposit from TM Co. and the teller told me she was going to put a 5 day hold on the deposit because I was a NEW ACCOUNT. At this point, I had been with them 5.5 months and had made numerous deposits. I explained this to her, but she refused to let up. I asked for the manager, but she wasn't available at the moment. So, I walked out of there with a 5 business day hold on my paycheck. WTF!!!

I closed my account, which was an ordeal in itself and went back to my previous bank, KS Bank, which is awesome, especially since they have built a closer branch also.

On a side note, their internet banking is a joke. Every bank I have had to this point using a 3 column reporting feature, Debit, Credit and Balance. That way you know EXACTLY how much money you have. BB&T only has Debit and Credit. So you can't keep track of it as easily, and they are able to charge more fees.

DON'T USE BB&T.

This bank has caused us severe stress due to their severe and unrealistic overdrawn fees. I have been hospitalized recently for 8 weeks; with another hospitalization April thru May of this year (2008). They refuse to listen to me regarding other people helping my disabled husband thru all of this. We have been charged over $1, 000 in fees. This is unfair and an injustice against disabled customers. Husband is legally blind and can't walk. After my return home each time, it took a while before I was able to go online or phone to get banking info. on accounts. This caused bank to go ahead and charge fee upon fee upon fee upon fee. They are now holding money for 11 days - which may cause us to not be able to make house, car, and other expense payments from our bank accounts. We are definitely closing our accounts and going to another bank.