BB&T Over Draft Charge Ripoff Herndon Virginia

Ok so I have been with BB&T ever since they where originally the small F&M bank and up until the last year or so I was happy with the service because we had enough money going into the account and I probably did not monitor my account as much as I should have done. However my wife lost her job in January of 2008 when the comapny she worked for wnet Bankrupt, since then we have had to watch the account very carefully, I did this through BB&T's online service understanding that the account was updated every 24 hours.

We started having problems in May of 2008 when as usual I pay all the bills through the on line service and provided my wife with the total amount of dollars we estimated to be left over in the account, which should have been $285.00 based on the actual balance and then the avialable balance combined with pending transactions my estimate should have been correct on June the 2nd I checked my balance and pending transactions and my available balance was $485.00 and there was nothing showing as pending on the account, so I assumed that I had miscalculated and we had an additional $200 unaccounted for so my wife wnet to Wallmart and bought some groceries for the a little under $200.00 the next day I checked the account again to find that I was over drawn and that the $200 pending transaction that was no longer showing in the account previous day had suddenly posted over night and we where now over drawn by $200 +they charged me $75 for the two transcations that had taken me over drawn.

So I assumed that this had been an error on my behalf until Thursday the 21st of August 2008 when I checked my account again and my over all balance was $59.95 but my available was only $10.95 cents I was not worried because my wife had since found a job and although considerably less money than she was accustomed to making we where getting by and she was due to get paid on the 23rd so I called my wife and told her not to make any more transactions because we where close to being over drawn and there was a pending Transaction for $48.25 censt fro Bare essentials make up pack whic she orderd every 6 months for her job. The following day which was Friday the 22nd I again checked my balance and it was now showing as a little over $59.00 which suprised my and when I checked the pending transactions the bare essentials transaction was no longer sghowing and it was not posted to my account, so I called my wife again and informed her that we had more money in the account than we thought again!! and I said that I needed to get gas and refill my EZpass for toll card for my journey home so i spent $20 on my EZ pass toll card and $21.00 on Gas.

On Saturday the 23rd my wife gave me what she wanted me to put in the bank that morning and so as I was already on line I checked the balance again only to find out we where now $10.95 cents over drawn and that they where going t0 charge me $70.00 for the two previous transactions making me officially $99.00 over drawn in my account.

I called BB&T customer service of course they have no knowledge of the situation and their records ONLY! show that I made two transaction against an available balance of $10.95 cents which is a complete lie. If I had not called my wife to inform her that balance had changed the day before I would have had a very difficult time explaining and prooving to her that they had made an error and not me.

They are deliberatley in my opinion manipulating my account and possibly others to make it look like I had more money in the account than I actually did anticipating that I will need the cash for something and therefore making the account overdrawn and being able to charge me the $35.00 they charge per item that takes me over my actual available balance. It was only when this incident happened that I remembed the first time it happened in May.

Today is Tuesday the 26th and I have still not heard from the bank manager so I sent them an email requesting that they contact me to resolve the problem and give them an opportunity to explain their business practices before I make an official complaint to the FDIC.

Paul
Winchester, Virginia
U.S.A.

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