I recently incurred two overdraft charges on my checking account at BBT. I deposited a check and was told that $100 would IMMEDIATELY be credit to my account, when it actually didn't go through until the next day. As a result, instead of the $144 i should have had, I only had about $70. Then, over the weekend, I made purchases, assuming I had my full check, not half of it. My account again overdrafted, resulting in a balance of -$276. I went into my local branch and attempted to resolve this, informing them of what the teller had told me when I deposited my check. I even asked them to simply adjust that overdraft, then if the second would have still occurred, that I would resolve it. They refused, saying that it wasn't their fault. Then, I receive a notice saying that after 7 days a $30 charge would be placed on my account, a notice I received 4 days AFTER the charge was applied. I am currently unemployed and have no steady income of any kind. I like this resolve in some way that I can close my account, even if it means a $0 balance in my account. I will no longer do business with BBT and will strongly discourage anyone I know to use them.

I wanted to take the time to voice my concern with recent service I have recieved. After reviewing my checking account I noticed that I was charged a thirty five dollar return item fee. This was a surprise to me because I was under the impression that if for any reason the funds where not availible in checking that for a seven dollar(which is now ten dollar)fee would be charged and the money would be taken from my savings account. After reviewing both my checking and savings account I saw two previous ten dollar transaction fees charged. That I expected and gladly paid for since I did use the service. There was also enough funds in my savings account to cover all of the transactions that where made. After discovering that a bank error occured I visited a nearby branch to discuss this matter. I was told that the only person that could help me was out to lunch and I could wait about thirty minutes for him to return. I decided it would be best to return later instead of waiting and requested to leave a message for him. When I returned he was assisting another customer so I patiently waited to speak with him. Shortly after another gentleman arrived and was also waiting to speak with him. What made me so upset was that he took a moment to run to copying machine and handed me a print saying here I was able to return eight dollars. I was very insulted because clearly an error had been made and I didn't feel that it was corrected. I asked him why this had happened, and to please explain why I wasn't given a full refund. The response I was given was, " I don't know Sharon is out of the office she can explain it to you tomorrow". Now I found that hard to believe seeing that he was the manager and didn't know. What manager doesn't know? If that where true then how was he able to do the small return in the first place? This was very disturbing to me because not only was I insulted by the amount refunded but I also felt brushed off that he did not take the time to care for my needs as a customer. I sent in a message online to customer service hoping that this issue would be resolved. I have been waiting for three days now with no resolution to this issue and no response why?

One morning I had noticed that the deposit I made at BBT did not appear on my online statement...but the 2nd day hold that they put on the check was there resulting in my avaialble balance being negative! I called the BBT 800 number and told them I thought something was wrong, but the teller was talking the company line about holds, etc... and wasn't even listening to me telling her that I understand the hold, but that the deposit wasn't yet showing on the account as it should be because it was made in the morning the day before. So I called back to get another operator and got the same story. Then I called the branch directly and told them about the problem, they immediately recognized something was wrong and got my contact information to call me back with a resolution. About an hour later I got a call back from a BBT rep saying they are very sorry for the trouble and that the problem was the bank teller that took the deposit did not get her "work" put in that day. They made the money avaialable, etc...

The very next day I check my account and there is a Phone24 charge on my account for $2.00!! This charge is for calling their 800 twice per month apparently. what a joke! Going in there today to get that money refunded and then close the account. Too many issues with BBT. They suck!