BB&T Bank ripoff Ceredo West Virginia

I am a customer service representative for a large banking institution. I have learned that what a bank teller says is not always so. I have also learned how the check/debit card works. If you make a purchase and that item totals 50.00, depending on the merchant they place what's called an authorization hold on the account, meaning that the funds have been removed from your balance TEMPORARILY. Most gas stations authorize a check/debit card for only $1.00. Most resturaunts will include a tip in the authorization. All of this is done legally. My suggestion would be to keep track of your spending in your checkbook register. Don't go by the balance you get at the ATM, online or over the phone. If you keep track of all transactions (as they occur) then your account should not be negative at all. Another piece of information, if the receipt from the merchant is not received by the bank within 24 hrs, the authorization hold is released making those funds available again.
expampl:
You have a balance of 100.00 in your account
You get 30.00 worth of gas
You go out to eat for 50.00
This is a total of 80.00 spend, leaving you 20.00 in your account. However when you call your banks automated system or get balance from the ATM it might show your available balance is 44.00 because the items you purchased are on an authorization hold remember gas holds are 1.00.
The next day the holds are released and you go to the grocery store and spend 80.00. The card will be allowed to make the purchase because it is showing a balance of 100.00 again. A bank cannot and will not take funds from an account until it has proof that a transaction is made. If you use your card as a credit (where you sign your name) that could take 2-5 business days for it to clear your account all the while those funds are available for you spend even though you have already spent them If you use is as debit, the hold is usually until it posts to your account.

Most banks don't do any processing over the weekend so purchases made after cutoff time on Fridays and purchases made all weekend are not going to be completely debited from account until at least monday.

Teresa, file a complaint with the FDIC against BB&T. You can do it online. Then file a complaint online with the Federal Trade Commission. Then file with the FBI. Contact your State banking authority and file a complaint! Then contact the local TV consumer reporter and tell them your story. Most important, talk to friends, enighbors and family. You'll be surprised when you find out BB&T has cheated and stolen from many, many people! Talk to an attorney and sue them!! But don't give up the fight!