BB&T

BB&T Ridiculous Service Charges
- kheape - Sunday, March 6, 2011 - 9:45 AM

I have banked with BB&T for close to 30 years if you count the time I banked with the small bank that they purchased.   I even at one point worked for them, so I am very familiar with the operation.  Just recently I made an error in my account (only the 2nd time in my life) that resulted in a $30.00 overdraft.  I quickly recognized the error and made a deposit to cover the cost plus the $140.00 overdraft charges.  I fully accept the $140.00 because I know the error was mine.  However what I did not know was the fact that BB&T was going to charge me for all of the "Virtual or Pending" transactions that happened to be ciberspace at the time of the overdraft.  These items had NOT posted and by the time they did actually post I had made the deposit that more than covered them.  One of these items had been in a pending status for 3 days yet because of a single mistake they charged me $35.00.  I believe that charging someone $280.00 for a $30.00 error is bordering on preditory practices.  I have appealed to the bank for a refund of these charges.  I have also reviewed the banking service agreement and there is ABSOLUTELY no disclosure of charging for virtual transactions. However the bank maintains they did nothing wrong.  I am taking this opportunity to WARN everyone that I possibly can DO NOT BANK WITH BB&T if you are human and do occassionaly make a mistake. If you do you will pay and pay and pay and pay.   

TERRIBLE CUSTOMER SERVICE-DON't BANK WITH THEM!
- Appalled - Friday, December 9, 2011 - 5:02 PM

I recently opened an account with BB&T in North Carolina. Being from out of state I wanted a bank that was close to my new location here and had good customer service. I was told that by opening an account I would recieve $50 within 60- 90 days. After over 90 days of waiting they still had not deposited the money and would not give me a reason as to why. I let it go figuring it wasn't that important and I went ahead and continued to bank with them even with the poor customer service I was receiving I figured maybe they would improve and I gave them the benefit of the doubt. This past week I deposited a several hundred dollar check into my account that I planned on using for Christmas gifts and the teller asked me if I had reported my card lost or stolen. I replied that I had not and she said someone in the bank had made it so that my card was no longer good to use. She told me not to worry and that my deposit would reopen the card for use. Problem is, two days later (it was a saturday late afternoon), I went to make a large purchase with my card and it would not work. I called customer service and they told me that someone at the bank had hot blocked my card and my money would not be accessible until I went into the branch on monday and that it was MY FAULT that I hadn't gone into the bank on saturday morning when I have a job that I had to be at and it was not my fault that they blocked my card in the first place. I was very upset and without any money since all of my money was in that account and so I was left stranded for the rest of the weekend. When I went to resolve the issue at the bank the girl would not give me a reason as to why my card was blocked and continued to try and push a new debit card on me when all I wanted was an explanation. I decided to take my money and close my account and she never once tried to convince me to stay as a customer or showed me any sort of customer service. She nearly through the envelope of money at me and when I stated that I was appalled at the level of disrespect I received and that not one person offered an apology she went on a rate about how it was no ones fault and I should not point fingers and blame anyone and when I came in blaming them, for something that they did, they would not offer me an apology. I am so happy I never have to deal with this awful bank ever again. 

Fees Charged For Bank Statements
- caugustine - Sunday, July 17, 2011 - 4:10 PM

I was very disappointed when I called BB&T to ask for bank statements for the past five years on my 94 yr old mother's checking account. (My name is also listed on the account)

She has her social security check automatically deposited each month in this account. The last few years she  has become increasingly forgetful and blind ,so I have had to take over paying her bills.

I could not find bank statments for 13 months during this period because she must have throwm them out.

The woman at her local BB&T branch told me there would be a $7 per month charge for these statements over 24 months old.


When i called Bank of America to ask for 5 years of statements on her small pension, there was not problem and no fees involved.

The Worst Bank I Have Ever Had The Misfortune Of Dealing With.
- madashell - Tuesday, April 24, 2012 - 1:51 PM

Had a checking account w/them for over a year.  Everything was ok.  I then made the mistake of opening up a savings account online and that is where the trouble all began.

When I opened up the savings account, I called a csr and asked them if there would be an overdraft fee if BB&T had to take money out of my savings to cover a withdrawal or charge to my checking account.  I was told there would be no overdraft fee.   Unfortunately for me, I used the wrong terminology because there was a "transfer fee" of $12 per bank transfer if the bank made the transfer.  Talk about usury.  The worst part about this was I didn't realize it  before they charged me for at least 5 $12 "transfer fees"  due to the fact that this transfer fee was called a "miscellaneous debit" on my bank statement instead of what it should be called, which was BB&T Transfer Fee.  How shady is that...  talk about trying to hide fees.  I called the 800 number on the back of my debit card several times to try and get some of these $12 fees reversed.  BB&T refused to reverse the fees because they are considered VALID  fees. 

About a week later, I check my statement online again to find that there are 4 $2.00 24-hour phone fees.  I had no idea what this was so, I called the 800 number that the bank provides on the back of my debit card in order to find out what these $2 fees were.  Turns out they are more BB&T fees.  BB&T charges their customers $2.00 everytime you call their 800 number.  Kind of defeats the purpose of having an 800 number...doesn't it?  I ask them to reverse these fees, and I am told I need to call the branch about getting the fees reversed.  I state that that doesn't make sense since the fees are charged by them at the  800 number.  To make a long story short, I call the branch and am told that I need to call the 800 number to get the fees reversed, which would mean I will get another $2.00 fee charged to my account.  What kind of BS is that??  i have never banked w/a bank that wouldn't reverse some of their fees.  Espicilly since I never have anything less than $2,000 on deposit at any time.  I had never bounced a check or had any overdrafts prior to incurring these outrageous hidden fees.

STAY AWAY FROM BB&T.  THEY ARE ARROGANT AND DISHONEST.   As a matter of fact, I think that I will call an attorney about the $2 fee for the use of the 800 number.  That to me has fraud written all over it.

Do Not Bank With BB&T
- AClogin - Tuesday, May 8, 2012 - 11:43 AM

   I have spent a month just trying to get back 54.63, which is my money. They say that what happened to my account has never happen before and operations does not have anything in place to solve the situation...there should be a system in place for all transactions,reversals, refunds ...etc...  Have explained situation to 4 persons by phone, 2 account representatives and a branch manager still no results...so ridiculous!!!!!! Please DO not bank with them unless you want money to disapear before your eyes and then they can't find out where it is...they rejected my deposited and can't seem to find it in there records  what a joke.... 

BB&T Is A Solid Bank
- esg970 - Sunday, February 20, 2011 - 4:20 PM

My wife and I have been members of BB&T for over 10 years. They have always been a solid bank, offering good products and reasonable rates. The only critisism I could give them would be their web based services. It seems like many other banks have interesting or neat services that can be done online or at an ATM machine...perhaps they offer them and I just don't realize it, but they don't advertise it well. Don't get me wrong...they have a good online presence and have a lot of services (bill pay, online banking, etc), but I see that as one area of improvement.

Overall, they are a good bank, customer service is 100%.

They Make BANK A Four Letter Word
- JohnCorky - Wednesday, May 16, 2012 - 12:58 PM

They are very professional with a kind voice and a smile while they rape your account. I am convinced that they would speak kindly and smile while they watched me and my family starve to death. Stay away from this place.

Take A Second Look Before Opening An Account....
- scpharmacist - Wednesday, February 8, 2012 - 9:50 PM

I'll make this short and sweet. I don't have perfect credit, when I was younger I made a few mistakes, most of which I have resolved, I still have a few things in Chexsystems. So, I was looking into getting a pre-paid visa card or some type of pre-pay or second chance account. Someone told me about the BB&T pre-pay debit card. I thought to myself, BB&T is a reputable company and this might work just fine. So I applied, I was denied, ok, so how is it pre-pay when they do a credit check or other checks? Most pre-pay accounts I know of do not do credit check, hence the PRE-PAY part of it. So I called to question the decision, I was told by a representative they do do a credit check of some sort. My advice you everyone out there and why I am writing this review is, take a second look at this bank if you are in the same boat as I, I went to a local credit union, they opened me a regular checking account with no problem, been with them for months now, not issues. I am much older and more mature and it is sad to see bank like BB&T punish you for past mistakes, I though that was the point of the pre-pay account, if they are going to deny people for prepay accounts, why bother, just check them for a regular account. I would recommend checking into a credit union or other financial institution. I believe in being up front and honest with people, if you are going to do credit or chexsystems checks, that is fine, just be up from with people, if it isn't going to be a true PREPAY account, let people know....don't pretend to offer a service that is not true to its name.

STAY AWAY!!!! REMOVE YOUR MONEY FAST BEFORE THEY DO!!!!!
- angeryinvestor - Thursday, April 26, 2012 - 1:29 PM

havent banked with them for a full year yet, and im shutting down my account tomorrow as soon as they open.

IF you opt out of over drawing,   "suppose to decline you so you dont over draft"   WRONG!!!!!   some how ive over drafted my account by $130.......... weird right?   

i was told that is just how they do it........ WTF!!!!      Now im expecting $210 IN OVER DRAFT FEE'S!!!!

These people are the squirrlest you will deal with.   and are looking to suck your money out of your account faster than a 16 year old girl with a debit card!!!!!

Not to mention the terrible cutomer serivce,     Horrible manners,      And lack of respect for customers  that the tellers, and other people the the bank show you!!!

i wouldnt recommend them to my worst enemy!!!!!

Great Service
- JRice - Sunday, May 29, 2011 - 6:21 AM

BB&T is a small bank in West Virginia. They have great service and are very professional. During the time I have used their service, I was impressed by their daily professional attitude toward their customers.