Complaint Review: BB&T - Branch Banking & Trust
- BB&T - Branch Banking & Trust
11751 Bluegrass Pkwy, Louisville, KY 40232
- Phone: 502-267-1078
- Category: Banks
BB&T (Branch Banking & "Trust") ripoff! Fraudulant overdraft charges and nsf fees, unfair practice, money stolen, bad banking, cost me my check writing privileges. Louisville Kentucky
*Consumer Comment: I agree...some people just need to go back to cash
*Consumer Comment: Bb&T discriminatory practices
*Consumer Suggestion: Suggestions
*Consumer Suggestion: Bank of America
*Consumer Comment: BB&T Truly "Banking"
*UPDATE EX-employee responds: Your money would be safer in a mattress than with BB&T
*Consumer Suggestion: Go back to cash. Then, no more bank fees.
Don't believe me? Read some of the reports, just a few will start the process of your understanding. If I would have read rip-off reports BEFORE opening a checking account there, I would not be in this desparate and near destroyed place I am now in.
Like others, I too would check my available balance, see that I had money and when I did (which has been a long time ago, even though all of my money goes in-it disappears before your eyes)I would use my money for things like medicine, food, bill paying, gas, etc. However, even though my check card would be approved, days later I would be charged, for example, on a $6.00 gas charge, keeping in mind I had hundreds of dollars in the account (my check cashing privileges have long since been suspended, I am mortified as I have never bounced a check except for once by accident and these are at places which have affected my good reputation)
I would see online that I there has been a decline on the $6.00 charge (??????????), a $128.00 overdraft fee, plus a $32.00 and a $64.00 nsf charge EACH, IN ADDITION TO MULTIPLES OF THESE FOR CONSEQUENT PURCHASES THAT DAY. They have literally taken away more of my money than I have ever purchased. I can never ever get to par-my entire paychecks are taken and eaten by these mysterious overdraft AND NSF fees. ONE HUNDRED AND TWENTY EIGHT DOLLARS PLUS SIXTY FOUR DOLLARS PLUS THIRTY TWO DOLLARS EQUALS $214.00 PLUS the six dollars in gas times two in addition to this over and over again until you don't know what to do.
Don't call them, they charge you $2.00 for a balance inquiry or a question, don't email them either, you only get two times a month before they charge you the $2.00 for an account question, and then, because you're in the negative, that sets up another $214.00 being charged to your account. It does not matter if you deposit cash-it takes 3-4 days for cash to clear, this was a question I inquired about when making my first call to customer service. I said, "I deposited $720.00 cash in the ATM on Friday night, but now I am negative hundreds of dollars on Tuesday."
I was told that it takes two business days for the cash to be entered into the system and verified. Why was I able to use my check card without it being verified??? Since when can't a bank verify your atm deposit on a Monday? Or all day Tuesday? I put the money in my account so that I could use it to live on, like the rest of us do. I am so in debt now, I am severely depressed, I have always been so cautious regarding my checking account.
I can't get an explanation and I can't get them to return money that is cleary not theirs to just take.
I want to explain just one more of the many unexplainable situations (I wish I could cut and paste my online accounting): I made a $31.29 purchase at Garden Ridge, but quickly had it recredited and returned (within one hour) due to my being afraid-I better make sure with this bank I actually have the money, even though I know I do and my check card was approved-when I went online after having it returned, no transaction had been made, literally since it was returned immediately.
I had already been charged the $31.29 dollars twice, credited once for it and charged $128.00 overdraft fee, $32.00 nsf fee (it wasn't even a check)and multiple $64.00, $32.00, and $128.00 on previous purchases, days and days earlier, where I clearly and plainly had money in my account, but the overdraft fees then ate up the transactions-retroactively and I believe, illegally.
I am a paralegal and I urge you to phone the attorney in whom I work with, who specializes in this sort of lawsuit. I think I have a case, and I know if more of you would, we could have a class action suit-a contract that cannot be located is good enough for me, because I never signed one but was sent their brochure-their lawyers seemingly have covered all of the bases but the ambiguous language leaves a smart attorney room enough to find a cause of action. Even I have highlighted areas of the "contract" that if I were licensed, I would use as the basis to file suit. You don't have to be in Louisville, just whatever state has a BB and T.
Click here to read other Rip Off Reports on BB&T Branch Banking and Trust Co.
This report was posted on Ripoff Report on 02/13/2005 03:03 PM and is a permanent record located here: http://www.ripoffreport.com/reports/bbt-branch-banking-trust/louisville-kentucky-40232/bbt-branch-banking-trust-ripoff-fraudulant-overdraft-charges-and-nsf-fees-unfair-131230. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content
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