overdraft fees bbt bank

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Safe and Effective
Oak Hill, WV
Reply »|Report Abuse|Judge it!|#21Sep 27, 2010

Please disregard above post. It didn't post correctly.

K Crist, I'm trying to figure out how BB&T can charge you overdraft fees. Would you tell me please if the transactions which I've re-stated below were definitely done in this sequence and all on the same day?

Also which debits were check card transactions and which were actual checks you wrote?

BEGINNING BALANCE.......... 153.18
DEBIT #1.... 29.58 > BALANCE... 123.60
DEBIT #2.... 22.57 > BALANCE... 101.03
DEPOSIT....350.00 > BALANCE... 451.03
DEBIT #3... 291.81 > BALANCE... 159.22
DEBIT #4.... 27.55 > BALANCE... 131.67
swell
Harrisburg, PA
Reply »|Report Abuse|Judge it!|#22Sep 27, 2010

united is no better. They screwed my acount up several times with their overpriced overdraft fees. The breaking point with them was my check gets direct deposited on thursday/friday 12am. I checked it that morning and it showed it was in the bank, so i used my card a few times that day and wrote checks for bills. I got a letter in that following monday for overdraft fees. The bank was closed by that time, so i went to an ATM and checked my card and it showed me in the negative, when i should have had over 300 in there. I called the next day and they said that my check had not been deposited. I said i checked my account on friday morning and it showed it had been deposited, so i used my card and wrote checks. They told me that was funny cause it isnt showing up on their computer, i took the atm recipt to them and they said they would fix it. A few days later i get more letters in for over draft fees. I call them again and they still dont know whats going on. Finally a week and 5 days later it shows up on their computer, by this time i was so far in the hole from all the overdrafts they were supposed to fix, they told me they wasnt able to take care of all the overdraft cause it wasnt their faults, cause i should have checked my account before i wrote checks i explained to them i had and how i brought the atm slip up there that clearly showed it in the bank.......they never got back to me and never fixed the problem....i had 300 in the bank before this happened and after all my checks and atm uses i should have had 300 on top of that. after all the overdrafts i was still showing i owed them 300. They asked me if i intended to pay it, i said no you all were supposed to fix this, they didnt and turned me into a collection agency.

Something similar happened to my brother, he closed his account, and i have had 3 customers tell me the same thing has happened to them.
Aint this some crap
Oak Hill, WV
Reply »|Report Abuse|Judge it!|#23Sep 27, 2010

Swell, can you clarify please. What do you mean by "gets direct deposited on Thursday/Friday 12 am?"

How and when did you "check it?"

Did you ask the party who direct deposited the funds into your checking account to check their banking records?



The breaking point with them was my check gets direct deposited on thursday/friday 12am. I checked it that morning and it showed it was in the bank, so i used my card a few times that day and wrote checks for bills. I got a letter in that following monday for overdraft fees.

K Crist

Since: Aug 10
50
Ansted, WV
Reply »|Report Abuse|Judge it!|#24Sep 27, 2010

Safe and Effective wrote:
K Crist, I'm trying to figure out how BB&T can charge you overdraft fees. Would you tell me please if the transactions which I've re-stated below were definitely done in this sequence and all on the same day?
Also which debits were check card transactions and which were actual checks you wrote?
BEGINNING BALANCE.......... 153.18
DEBIT #1.... 29.58 > BALANCE... 123.60
DEBIT #2.... 22.57 > BALANCE... 101.03
DEPOSIT.... 350.00 > BALANCE... 451.03
YEP THEY ARE ALL DONE IN THE SAME DAY AND IN THE ORDER I LISTED. ALL OF THEM WERE DEBIT TRANSACTIONS AS I DON'T DEAL WITH CHECKS. I'VE PROBABLY WROTE OUT 4 CHECKS IN THE LAST 2 YEARS.

K Crist

Since: Aug 10
50
Ansted, WV
Reply »|Report Abuse|Judge it!|#25Sep 27, 2010

Safe and Effective wrote:
Please disregard above post. It didn't post correctly.
K Crist, I'm trying to figure out how BB&T can charge you overdraft fees. Would you tell me please if the transactions which I've re-stated below were definitely done in this sequence and all on the same day?
Also which debits were check card transactions and which were actual checks you wrote?
BEGINNING BALANCE.......... 153.18
DEBIT #1.... 29.58 > BALANCE... 123.60
DEBIT #2.... 22.57 > BALANCE... 101.03
DEPOSIT....350.00 > BALANCE... 451.03
DEBIT #3... 291.81 > BALANCE... 159.22
DEBIT #4.... 27.55 > BALANCE... 131.67
SORRY DIDN'T SEE THIS POST BEFORE I ANSWERED THE OTHER ONE WHERE IT WAS ON 1ST PAGE BUT YES THIS IS THE WAY IT WAS AND POSTED IN THAT EXACT ORDER AND IT WAS ALL DEBIT TRANSACTIONS!!

K Crist

Since: Aug 10
50
Ansted, WV
Reply »|Report Abuse|Judge it!|#26Sep 27, 2010

swell wrote:
united is no better. They screwed my acount up several times with their overpriced overdraft fees. The breaking point with them was my check gets direct deposited on thursday/friday 12am. I checked it that morning and it showed it was in the bank, so i used my card a few times that day and wrote checks for bills. I got a letter in that following monday for overdraft fees. The bank was closed by that time, so i went to an ATM and checked my card and it showed me in the negative, when i should have had over 300 in there. I called the next day and they said that my check had not been deposited. I said i checked my account on friday morning and it showed it had been deposited, so i used my card and wrote checks. They told me that was funny cause it isnt showing up on their computer, i took the atm recipt to them and they said they would fix it. A few days later i get more letters in for over draft fees. I call them again and they still dont know whats going on. Finally a week and 5 days later it shows up on their computer, by this time i was so far in the hole from all the overdrafts they were supposed to fix, they told me they wasnt able to take care of all the overdraft cause it wasnt their faults, cause i should have checked my account before i wrote checks i explained to them i had and how i brought the atm slip up there that clearly showed it in the bank.......they never got back to me and never fixed the problem....i had 300 in the bank before this happened and after all my checks and atm uses i should have had 300 on top of that. after all the overdrafts i was still showing i owed them 300. They asked me if i intended to pay it, i said no you all were supposed to fix this, they didnt and turned me into a collection agency.
Something similar happened to my brother, he closed his account, and i have had 3 customers tell me the same thing has happened to them.
IT'S A SCAM AND THAT'S HOW BANKS GET YOU. MINE DONE THAT TO ME ALSO BUT I'LL TELL YOU WHAT TO DO TO STOP THAT FROM EVER HAPPENING AGAIN IF YOU CAN GET TO YOUR ACCOUNT ONLINE IT ALWAYS SHOWS YOUR TRANSACTIONS AND POSTED DAILY BALANCE AND AVAILABLE BALANCE AND ALSO IF YOUR DEPOSIT POSTED AS YOU STATED. TAKE PICTURES OF IT SO YOUR HAVE PROOF THAT IT SAID THAT. THAT'S WHAT I'VE BEEN DOING SO WHEN I GO TO COURT I KNOW I'LL HAVE A GOOD CASE AGAINST THEM BECAUSE IT WILL ALL BE THERE PLUS I BEEN KEEPING ALL MY BBT MOBILE ALERTS ON MY PHONE SO I KNOW I'M NOT GOING INSANE!!

K Crist

Since: Aug 10
50
Ansted, WV
Reply »|Report Abuse|Judge it!|#27Sep 27, 2010

Aint this some crap wrote:
Swell, can you clarify please. What do you mean by "gets direct deposited on Thursday/Friday 12 am?"
How and when did you "check it?"
Did you ask the party who direct deposited the funds into your checking account to check their banking records?
The breaking point with them was my check gets direct deposited on thursday/friday 12am. I checked it that morning and it showed it was in the bank, so i used my card a few times that day and wrote checks for bills. I got a letter in that following monday for overdraft fees.
WHAT THEY ARE TRYING TO SAY IS THIS BECAUSE ITS THE SAME WAY WITH MY BANK . MY HUSBAND PAYCHECK GOES DIRECT DEPOSIT ON FRIDAY SO IT'S ALWAYS AVAILABLE TO ME AT 12:00 AM THURSDAY NIGHT BECAUSE THAT'S THE BEGINNING DAY OF FRIDAY . MY BANK HAS PULLED THIS ON ME TO AND LUCKILY I HAVE PROOF OF IT FROM THE PICTURES I BEEN TAKING ON THE SCREEN AND BBT ALERTS I MAKE SURE I DO. SO I'LL HAVE PROOF OF IT AS WELL!!
Aint this some crap
Oak Hill, WV
Reply »|Report Abuse|Judge it!|#28Sep 28, 2010

K Crist wrote:

WHAT THEY ARE TRYING TO SAY IS THIS BECAUSE ITS THE SAME WAY WITH MY BANK . MY HUSBAND PAYCHECK GOES DIRECT DEPOSIT ON FRIDAY SO IT'S ALWAYS AVAILABLE TO ME AT 12:00 AM THURSDAY NIGHT BECAUSE THAT'S THE BEGINNING DAY OF FRIDAY . MY BANK HAS PULLED THIS ON ME TO AND LUCKILY I HAVE PROOF OF IT FROM THE PICTURES I BEEN TAKING ON THE SCREEN AND BBT ALERTS I MAKE SURE I DO. SO I'LL HAVE PROOF OF IT AS WELL!!
Technically, you probably mean at 00:01 AM on Friday morning, don't you?(A minute after midnight on early Friday morning or as quickly after midnight that the big brainiac computer can resynch and post updated balances)

Joe Six Pack and a Half
Oak Hill, WV
Reply »|Report Abuse|Judge it!|#29Sep 28, 2010

I'm happy to say that I don't bank with BB&T but if anyone is interested, here is a link to a BB&T web page that discusses their "Opt In" / "Opt Out" insufficient funds program:

https://www.bbt.com/bbtapps/NSFOD/default.asp...

From what I've read in this thread, I believe I understand you BB&T customers are incurring overdraft charges when you use your BB&T debit cards without having adequate funds in your checking accounts at the moment a debit card transaction is committed. I believe if you are "opted in," the transaction would be declined spontaneously when you attempt to pay for a purchase with your debit card if you don't have adequate funds in your checking account. You might be slightly embarrassed at the check-out counter at Wal-Mart but at least you wouldn't be paying BB&T $35.00 for overdrawing your checking account.

Also, here is a link that explains all of BB&T's fees including overdraft fees:

http://www.bbt.com/bbt/customerservice/unders...

I'm just trying to help. Please don't call me a big shot know-it-all. I'm not.
I hate banks
Oak Hill, WV
Reply »|Report Abuse|Judge it!|#30Sep 28, 2010

I bank at Huntington Bank, a bank based in Columbus, Ohio with branches in the Charleston, WV area. The nearest branch is in Belle. I really like Huntington Bank.

Read this...

Headline:

Huntington Bank to offer one-day grace period on checking overdraft fees

Here's the link to the article:
http://www.cleveland.com/business/index.ssf/2...

Now, compare Huntington Bank's way of doing business to BB&T's.
Sane and Rational
Oak Hill, WV
Reply »|Report Abuse|Judge it!|#31Sep 28, 2010

K Crist wrote:
HELLO , I THOUGHT I'D BE A LITTLE HELP ON THIS ONE SINCE I KNOW WHATS GOING ON AND AM ONE OF THOSE PEOPLE THATS BEING RIPPED OFF BY BBT BANK AND AM NOW IN THE PROCESS OF FILING A LAW SUIT MYSELF. I'LL GIVE YOU AN EXAMPLE OF WHAT SOME ARE TALKING ABOUT BY SHOWING YOU ONE OF MY ACCOUNTS POSTED TRANSACTIONS.
END OF DAY BALANCE $153.18
NEXT DAY TRANSACTIONS AS FOLLOWS
DEBIT FOR $29.58 LEAVING BAL @$123.60
DEBIT FOR $22.57 LEAVING BAL @$101.03
DEPOSIT $350.00 LEAVING BAL @$451.03
DEBIT FOR$291.81 LEAVING BAL @$159.22
DEBIT FOR$ 27.55 LEAVING BAL @$131.67
OVERDRAFT FEE $70.00 LEAVING BAL @$61.67 AT THE END OF THE DAY
NOTICE THAT NOTHING OVERDRAFTED...
K Crist... did you call BB&T's customer service dept at their 800 number and ask them what time of day their system shows you made the $350.00 deposit? Was this a cash deposit or a check? If it was a check and the amount of the check was credited to your account on this particular day, it doesn't seem to me that it would be posted mid-day between the times of your four debit-card transactions.
OMG
United States
Reply »|Report Abuse|Judge it!|#32Sep 28, 2010

all banks have tricks under there sleeves....always read the fine print

K Crist

Since: Aug 10
50
Ansted, WV
Reply »|Report Abuse|Judge it!|#33Sep 28, 2010

Aint this some crap wrote:

Technically, you probably mean at 00:01 AM on Friday morning, don't you?(A minute after midnight on early Friday morning or as quickly after midnight that the big brainiac computer can resynch and post updated balances)
YES THAT IS WHAT I MEAN!!

K Crist

Since: Aug 10
50
Ansted, WV
Reply »|Report Abuse|Judge it!|#34Sep 28, 2010

Sane and Rational wrote:

K Crist... did you call BB&T's customer service dept at their 800 number and ask them what time of day their system shows you made the $350.00 deposit? Was this a cash deposit or a check? If it was a check and the amount of the check was credited to your account on this particular day, it doesn't seem to me that it would be posted mid-day between the times of your four debit-card transactions.
I CALLED THE 800 NUMBER, I WROTE BBT THROUGH MY ONLINE ACCOUNT AND THE DEPOSIT WAS MADE THROUGH TRANSFER. I WENT ONLINE AND TRANSFERRED THE MONEY FROM MY SAVINGS ACCOUNT INTO MY CHECKING ACCOUNT AND MY BBT ALERT TOLD ME RIGHT THEN AND THERE THE DEPOSIT TOOK AND WHAT MY NEW BALANCE WAS. THEN THE NEXT DAY THEY CHANGED IT, CHARGED 4 DEBITS FIRST THEN THE DEPOSIT BUT STILL MY ACCOUNT BALANCE WAS POSITIVE EVEN AFTER THE OVERDRAFT FEES TOOK PLACE AND STILL THERE WERE NO ITEM FEES TO PAY LIKE THEY SAID JUST THE OVERDRAFT FEES

K Crist

Since: Aug 10
50
Ansted, WV
Reply »|Report Abuse|Judge it!|#35Sep 28, 2010

Joe Six Pack and a Half wrote:
I'm happy to say that I don't bank with BB&T but if anyone is interested, here is a link to a BB&T web page that discusses their "Opt In" / "Opt Out" insufficient funds program:
https://www.bbt.com/bbtapps/NSFOD/default.asp...
From what I've read in this thread, I believe I understand you BB&T customers are incurring overdraft charges when you use your BB&T debit cards without having adequate funds in your checking accounts at the moment a debit card transaction is committed. I believe if you are "opted in," the transaction would be declined spontaneously when you attempt to pay for a purchase with your debit card if you don't have adequate funds in your checking account. You might be slightly embarrassed at the check-out counter at Wal-Mart but at least you wouldn't be paying BB&T $35.00 for overdrawing your checking account.
Also, here is a link that explains all of BB&T's fees including overdraft fees:
http://www.bbt.com/bbt/customerservice/unders...
I'm just trying to help. Please don't call me a big shot know-it-all. I'm not.
THIS HAS NEVER HAPPENED TO ME AND I ALWAYS GO BY MY AVAILABLE BALANCE AND ALWAYS DO A BBT ALERT AFTER EACH TRANSACTION I MAKE THAT'S HOW I KEEP UP WITH EVERYTHING. SOMETIMES YOU GOTTA BE SMARTER THEN THE BANKS AND THEY STILL TRY TO MAKE YOU THINK YOUR DUMB!!!
I hate banks
Oak Hill, WV
Reply »|Report Abuse|Judge it!|#36Sep 28, 2010

K Crist wrote:

YEP THEY ARE ALL DONE IN THE SAME DAY AND IN THE ORDER I LISTED. ALL OF THEM WERE DEBIT TRANSACTIONS AS I DON'T DEAL WITH CHECKS. I'VE PROBABLY WROTE OUT 4 CHECKS IN THE LAST 2 YEARS.
K Crist, I'm really baffled and angry at how BB&T beat you out of $70.00. Did they tell you which of the four debits caused you to be overdrawn?
OMG
United States
Reply »|Report Abuse|Judge it!|#37Sep 28, 2010

Maybe we should do it like granny used to, hide under your bed in a sock and pay everything in CASH then these banks would see nobody is putting there money in there.....and maybe they would stop stealing our money...
Safe and Effective
Oak Hill, WV
Reply »|Report Abuse|Judge it!|#38Sep 28, 2010

OMG wrote:
Maybe we should do it like granny used to, hide under your bed in a sock and pay everything in CASH then these banks would see nobody is putting there money in there.....and maybe they would stop stealing our money...
That sounds like a good idea but where can I get a sock big enough to hide in?

K Crist

Since: Aug 10
50
Ansted, WV
Reply »|Report Abuse|Judge it!|#39Sep 29, 2010

I hate banks wrote:

K Crist, I'm really baffled and angry at how BB&T beat you out of $70.00. Did they tell you which of the four debits caused you to be overdrawn?
YEAH THEY SAID THE ONES THAT OVERDRAFTED WAS THE $291.81 AND THE
DEBIT FOR$ 27.55. I EVEN ASKED THEM WHAT THE HELL MY DEPOSIT WENT ON THEN. THEY ARE RIP OFFS AND I HAVE LEARNED MY LESSON WITH BANKS BUT NOWADAYS YOU HAVE TO HAVE AN ACCOUNT SOMEWHERE IN ORDER TO CASH A CHECK OR I'D JUST DROP BANKS PERIOD!!!

K Crist

Since: Aug 10
50
Ansted, WV
Reply »|Report Abuse|Judge it!|#40Sep 29, 2010

OMG wrote:
Maybe we should do it like granny used to, hide under your bed in a sock and pay everything in CASH then these banks would see nobody is putting there money in there.....and maybe they would stop stealing our money...
THAT WOULD BE NICE..LOL