BB&T preys on its customers. They purposely post debits before credits although they are aware that there are credits to be posted to create overdrafts. My payroll check is deposited every other Thursday night, and the are aware of the amount before I am. It is nothing less than criminal to charge overdrafts just for the sake of fattening their pockets.

I originally banked with Bank of Louisville before it was bought out by BB&T. I loved the customer-friendly service I received at Bank of Louisville. Since bought out by BB&T, I've had nothing but trouble. I spoke with an officer the local BB&T after completing a survey and complaining about the unethical overdraft practices. She basically said to get over it because that was the policy.

I informed her that I would be closing my accounts with BB&T, and all she could do was warn me that all banks were implementing the same policy. That let me know that she knew that it was unethical, but because others were doing it, right or wrong, BB&T would follow suit.

Let me begin by saying how deeply, deeply sick to my stomach, and how fed up I am in dealing with BB&T in Atlanta! I have been in a construction loan with BB&T since December 2007. It is now October 13, 2008 and my house is still not complete! Please explain to me how a bank can be so deceitful in explaining how a draw is actually dispersed, and how, its possible, to qualify for a loan, get approved for it, and have to fight tooth to nail to get enough funds from the draw to build the house! There idea of a draw schedule is an absolute joke! I was informed in the beginning that, I would have to put up an initial amount to get the project started, then, was also told that, I would receive a larger amount from the draw after the initial ground breaking . Not so! Lets do the math, grading, foundation, and frame package, 30, 000. BB&Ts first draw amount was, 8, 111.00. Now, lets assume we all know how to add. Im not sure about anyones calculations but according to mine, Im negative 21, 889.00! Then, after more work and more labor, the next draw that was given from BB&T was 4, 097.00! And the beat goes on! Meanwhile, I continue to pay the interest, which has gone from 250.00 to almost 800.00 a month. I have repeatedly called upon the manager, Sherry Bell, the VP Wendy Garry and the President of the loan construction dept. Brian to help me in this manner, either with an advance, or more of a draw to cover materials, and labor cost, but after more of the same, the project came to a screeching halt! I was then informed that after the sixth draw, I would start to incur the cost of inspection. However, the funny thing is, Wendy Gary(VP) informed me during the application process that I would only have 6 draws total! If I knew I had to fund the entire project, why in the HELL would I use BB&T for a construction loan! But let me follow with the bigger problem, the arrogant manager! Sherry Bell, who tries to insinuate that my builder is a bad builder because he has a smaller company, or because he doesnt have a two million dollar credit line. In my opinion, that simply means, we how have a discrimination problem. I am simply trying to build a house and move in it, sometime in this millennium, but I can't do that trying to rub two nickels together! I can only hope that someone will contact me on this matter to release the funds without the, quote This is for your protection crap! I AM GOING BANKRUPT TRYING TO BUILD A 200, 000 HOUSE! They have an inspector, they have insurance, and I have a great builder whose only intention is to build a beautiful, quality home! And finally, if something is not going to be done about this matter I will be determined to pursue whatever is necessary, i.e. CNN, legal action, etc. BB&T is the worst bank for a construction loan!

I have banked at BB&T for almost 10 years. I have my morgage thru them as well I was until this week a loyal customer that even recommended them after dealing with what your about to read. Not anymore...

First I opened an account with BBT in my name alone I was married but didnt put my wife on the account. After a year or so the local BB&T we used got to know us well, and my wife was able to go in and take money out and use my account WITHOUT her name being on the account. At the time I didnt mind cause our relationship was fine. I also had a credit line attached to my checking as well. I went in and added my wife to the account because when she called in the 800 number she was unable to help maintain my account. No prob so far.. Well 9 years later we get a divorce. I went in to remove her name from the account for my financial saftey because she had created some charges after we split that went on to the credit line. I also told the branch manager to put a comment only I could access the account. Since I was going to deal with my wife about the money, and I was not broke, I had the credit line froze and removed the overdraft connection from my checking account and paid off the credit line. How ever I also found out at this time that the credit line is in my name alone still no one ever asked does her name need to be on it. I thought since it was attached to the checking that was automaticly done when I put her on checking. I was now responsible for her charges on this account completly. Thanks BB&T..

I refinanced my house to get her name off of the loan. My wife had no credit before marrying me. My wife also had no income comming in at all hardly to account for real income however I was told that I was a higher risk being single and my interest rate would be higher. um I even had a very very nice credit report with only 2 late payments in over 15 years all other accounts paid in full. After threating to take the loan else where they lowered my interest down to somthing i agreed to.

While refinancing and using money to put into the house to raise the appraisle I requested to unfreeze my credit line for safety on my checking. The person that froze my credit line accidently closed it instead. "No problem sir just reapply" they say. I got denied for a new credit line, I originally had a 2500.00 credit line i only wanted a 500.00 to be safe. Nope! so I complained the branch manager who called a regional manager who said reapply and Ill make sure it goes thru. Ok I reapply I got denied again this hit my credit report twice.

Well while all this is going on my car breaks down. This causes me to not have a few hundred dollars to pay a loan that the refinance of my house was going to pay off. The BB&T moragage advisor I had told me not to worry about paying it because the refinance was going to pay it off in a few days. Then there was a delay in my refinance from BB&T. I get another hit on my credit line because BB&T took 5 days longer to get everything to go through on my refinance (I think i recall it being due to somone being on vacation). Now I have the first late payment in a long time. Where was this financial institution when I really needed them. The day after I get a late payment hit on my credit report they paid the loan off.

A week later bb&t sent me a coupon for 150 off a morgage loan. Um well thats nice but BB&T even though 7 days had only passed they would not give me the 150 dollars back or a credit. Nice way of really keeping track of your customers this was an insult. I see now that other people that are new to BB&T loans are more imporatant that an existing ones. Well now to the fun part Overdrafts.

I waited a few months later and went back and told BB&T that I do not appreciate being a customer that had a credit line I chose to freeze to protect my financial stability taken from me becuase of someone elses mistake in closing it. I do not like feeling uncomfortable with out a credit line. I also do not want to add more credit cards or go around applying for new ones. Well low and behold I admittingly made a mistake on my checking and yep I get a 35.00 charge on a $5.00 mcdonalds charge. Then come more charges from a few more items. I wound up spending 105.00 on about 40 dollars worth of items. This charge is rediculous. I was able to get the bank to reverse half of this charge however I was treated like a moron in the way the relationship banker told me I should do better at my register. I made a human error, You made me feel small and stupid BB&T by making this comment you think I dont know after dealing with this that I MADE A MISTAKE. I again complained this wouldnt never happened if I had my credit line.

I later got another charge I ignored it I made another mistake. I didnt want to complain over a process I knew about I ignored the charge. About 4 months later I lost my job I used money I had saved and paid my house 4 payments in advance to keep life easy for me. Yep see BB&T I care about my actions towards you still and my responsibilities. However I made another mistake right when I got my new job and over spent my checking again about 20 dollars and got that 35.00 Overdraft fee. Mainly due to high gas rates. I had no option but to get gas to get to my new job. I carry a check into the bank and deposit part of it guess what I walked out of the bank not knowing i was in the negative at the time BB&T chooses to send me a letter 3 days later??? I paid two bills and get what more overdraft fees and have not heard anything from my bank. I get my payroll check while this is happening and BB&T has held it giving me 100.00 credit leaving me in the negative by the time the overdraft fees finish and my check goes through Ive lost about 380.00 of my check due to 60.00 worth of charges. Yet my debit card still works with no credit line. Go figure sounds planed to me..

I had a Centura account 10 years ago. If you had no credit line and no money you card was denied when you swiped it. If you had a credit line but no money and chose debit you charge was denied Basically the cards worked better. BB&T says they allow these charges to occur because they say we their customer dont want to be embarrased when purchasing, they think we would rather pay $40.00 for a bacon egg and cheese bagel. I dont remember being asked this.

Heres my suggestion BB&T if your going to allow charges to occur when there is no money and they are going to be this high. Either make one charge per day not per transaction. Or how about hold the charges block future charges on the card after holding the first ones. Conact me and tell me what occuring, Its only a phone call heck it could even be automated. "Danger Wil Robinson your account is in danger" Anything would be nicer. Not a feeling that you are grinning bending me over. Even by putting a instant block on my card to signal me to contact you is better hell this would protect against theft or fraud (hmmm are you really protecting me at all?). Charge a overdraft fee thats a percent of a charge up to 35.00 that would be nicer. Damn I can come up with many more than this...

The government is going to have to check into banks ridiculous procedures. Their overdraft fees are as if you go in a grocery store buy a candy bar but the money doesn't go into the cash register until they cal the police and say they didn't pay you! What is the difference?? in this day and age of computers it is ridiculous if you deposit 300.00 in a bank on Friday and spend it over the weekend to wake and find you are hit with overdraft fees because the bank isn't open on Saturday afternoon or Sunday (which now good banks are staying open)... but BB&T makes a lot of money processing the largest checks first, then the small ones and after al the checks are processed they credit your deposit they sat on for two days. BB&T needs to be reminded there an economic crisis in this country, people live payday to payday, the money needs to be available or at least processed in the correct order. Send letters to your congressman and state legislatures, . BB&T is as bad a company as those very high interest rate cash your checks before payday scams.,.. WV ran them out of the state. B&T should be next or have some regulation that does make them a decent company. B&T is no Robin Hood- yes they steal from the poor but have you seen their charitable giving- to higher learning institutions already worth millions who charge outrageous amounts to go to the school, BB&T steals from the poor and gives to the rich. BB&T STEALS FROM THE POOR AND GIVES TO THE RICH- nice bank.

My husband and I have recently amassed almost $400 in overdraft fees from what we thought was an institution we could trust. How much was actually overdrafted, you might ask? Less than $100. Our other account had well over $100 in it which would have covered those items. Did BB&T think to check our other accounts for the money? No! Did they notify us with a phone call or email to let us know that this cascade of fees was beginning? No!

I called the bank after the initial $70 had been charged over (you're going to love this) $7.00 of overdraft, and I asked them if I could opt out of this so-called Overdraft Protection. That would mean my card would simply be declined if I didn't have the funds in my account. A little embarrassment at the checkout line, but I could deal with that. The woman that I talked to acted like I had just asked HER to pay the overdraft fees. "You can't opt out of overdraft fees!" she told me. Other banks, like the credit union we will soon be joining, allow you to do this, or to link 2 or more accounts to cover any overdrafts. Will BB&T let you do this? Of course not! They'd lose all those nice fees!

And what happens when you know that your account is going to overdraft and you go to your local branch and give them CASH to put in your account? At my previous bank, they would immediately credit your account with this money to prevent unnecessary charges. Does BB&T do this? Absolutely not! Why then they wouldn't be able to charge you hundreds of dollars in fees!

My husband and I trusted this bank with our hard-earned money, and they have failed us. I would never recommend putting any amount of money with this institution.