BB&T, Branch Banking & Trust Unfair yet Severe Overdraft fees - never informed of drastic policy change Winston-Salem, North Carolina

The system deducted and didn't release the funds i transfered into savings, which means it was a system error.

I got my money back today, and the documented proof to go with it.

but you keep referring to ATM reciepts and online accounting. Neither one of those systems is accurate for tracking your account.

The only was to see for sure what is happening with your account is to request, in writing, from the bank a statement of all the transactions on your account for the time period you are talking about.

Then you take the statement in and ask the bank to explain all the charges. If they cannot explain the charges on the written statement then they will have no choice than to remove them.

I have the atm receipt that says i was in the positive, and not that this matters but two other transactions posted too so if I was actually in the negative I would have gotten NFS on those too.

While I understand what you mean, please understand I'm frustrated. I feel like I'm screaming into a vacuum when I say my records on my register were all accounted for and positive, each transaction scratched off as I verified each transaction on the online balance, which was also positive.
However if I hadn't gone to the atm to get cash, and saw the low balance and hadn't verified it on the online system, what would have happened? I do use the online system because I want to know when things posts, when they cleared my account so I can stay up to date.
This is something that's clearly the banks error, and they are denying there's a problem. Hell, they even said I was negative even more, but clearly I wasn't.

You keep referring to ONLINE ACCOUNT BALANCE

This system is completely unreliable and inaccurate. You have 60 days to disputer your account. That's plenty of time to get your bank statement and challenge it. I guarantee that once you look at your real printed bank statement you will see what you have missed. Banks don't "make up" charges and apply them to accounts. They wouldn't stay in business very long that way.

As it was, I am trying to give you a SUGGESTION on what to do. Get your final bank statement for the time period you are talking about. Go to your local branch. Sit down with the branch manage and have them go over your statement with you and explain what has happened. This is how you get your money back if there is an error on their part. ranting on a website does nothing to get your 70$ back. Go do something constructive about it.

1. The printed statement comes once a month, so in your wise opinion, I should wait 30 days and then have them walk me through it? Unless I'm mistaken, I only have a small time frame to file my dispute, and $70 isn't anything to just brush off.

2. If you had read my post (go back and read it again-out loud if you have to) you would see a DETAILED walk through of what happened. Nothing was missed.

3. How, oh how, can I STILL BE IN THE POSITIVE AND OCCUR A NFS? Positive $40 in my account, not negative, POSITIVE as in I have $40 in my account. However in the explanation I was given I was TOLD IN WRITING my account was actually negative -$191.

Not that it's any of your business, but I checked my balance again, and I have over $800 in the account and nowhere does the math add up to -$191. I checked my account Saturday, Sunday, Monday, Tuesday and yes, even today! At no time was it ever -$191, or even in the negative.

Instead of being so flippant in your responses, how about you actually read the posts. I have and for the ones who are being charged because they actually did try to float a check, they're stupid for doing it. It's a risk whether you admit it or not, but I didn't do this, and BB&T is refusing to correct their error, hence I'm letting people know about it.
Businesses that practice this way ought not to be rewarded.

In modern america, when you spend money you need to assume it is taken from yuor account that second. You cannot deposit money later to cover it. If you made debit card transactions before your deposit hit the bank, then they will process those transactions first. It doesn't matter how big the debit's are, the 35$ fee is the same for any size transaction.

Next time use a check register.

As to the guy above, just go to the bank with your PRINTED STATEMENT they mail yuo after everything has cleared and have them explain it to you. I'm sure you missed something.

First chance you get, open a new account and set up your direct deposit to go in there. Second, close your account with BB&T. How is that active capitalism? You're voting with your money who you want to do business with. No money in the BB&T account means BB&T can't have it anymore!!!

As for some toads here who croak out the 'I love BB&T'-you still can't explain how someone who is in the positive can still be charged an overdraft fee.

$500-$300(to savings)=$200.
$200-$56 (insurance) and $7 (grocery store)=What?

A.) $137 B.) $67 C.) -$191

The correct answer is A.) $137, however my bank balance (still in the positive) said B.) $67 and the thorough explanation (which changed from representative to representative) said C.) -$191.

Someone has been drinking the company hooch and sniffing out of the nose candy dish!

Please ignore Steve's comments. Go through a bunch of complaints on this website and you will see Steve vigorously defending BB&T. I have never seen someone spend so much time on a consumer website defending one particular company and claim to have no vested interest. The problem is BB&T resequences credits and debits and create artificial overdrafts. If you consent to one overdraft, you better check how many transactions you made prior to that, because you might end up with several overdrafts.

Donna,

Unfortunately, John is 100% correct. There is no ripoff here.

You spent money that was not actually posted to, and available in your account PRIOR to you making the debit transactions.

Regardless of what time during the day any transaction occurs, it is common practice at MOST banks to post checks/charges before deposits/credits.

You were riding the float and got bit. An expensive education, but no rip off.

You should learn how to more accurately and effectively manage your account, and be sure to keep an accurate checkbook register.

Here is a helpful hint to avoid this situation in the future. When you make a deposit either in person or via direct deposit, wait for it to post as available BEFORE writing it in your checkbook register. Just file the deposit reciept in your checkbook register until the time is right.

Another helpful hint. CARRY SOME CASH for small purchases like the little $3 debit transaction that put you over the edge here. Making multiple small debit card transactions is a very bad habit to get in to. Very foolish.

on your part for spending money you did not have. Trying to ride the float bit you in the butt.