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Angered

Gilbert, WV

#1 Sep 27, 2009
Has anyone else had a problem with BB&T lately unfairly overdrawing your account? I have been overdrawn 3 times in the past week, and I know that there has been enough money to cover the purchases. I can't see how $4.55 should overdraw someones account when they have over $100 in their account, in the pending transaction column, and the purchase was made on credit and shouldn't have gone through for atleast 3 days.

It makes me mad that a cash deposit takes 2 days to post, and credit purchase comes out immediately.

I am mature enough to admit when it's my fault, and I have have only overdrawn once the past 15 years that I have had my account, but it seems like they are targeting me for some reason.

I was just wondering if anyone has had a similar experience with them saying you were overdrawn when you know you had money to cover the purchases. I'm also not trying to put anyone down at the Gilbert branch - they all seem to be great people,(except for 1 that is a little hateful and rude, who I won't mention).

Has anyone else had any problems lately??
Lil Ol Me

Gilbert, WV

#2 Sep 27, 2009
I too use to bank at BB&T and the same thing happened to me. I would deposit on Friday and go to the store on Monday and my account over-drafted. I finally got fed up and moved my account to LB&T and have been there almost 2 years and never had an overdraft charge. I can go to the bank make a deposit then go on to the store and use my debit card and not get an overdraft charge. These big banks use that as a way to stay in business and they will hardly ever remove contested charges. They did my son the same way and he had been a customer for 4 years and got one overdraft for .38 cents and they charged him $35.00 OD charge. I love LB&T and as long as I have an account it will never be at BB&T again. Pull your records and look how much in OD charges you have paid since you had the account. It is just not worth it to me. I am not even charged a monthly fee at LB&T so what I put in is what I have. No hidden charges.
Crypt Keeper

United States

#3 Sep 27, 2009
I have dealed with them for a long time and never had any problems, knock on wood. But, some of my friends had horrible experiences with that bank. I think overdrafting was the problem then.
Thanks Angered

Gilbert, WV

#4 Sep 27, 2009
Thanks guys - I appreciate the suggestions and feedback. I'm glad it's not just me.
About Lb&T - do they have online access to your account? I mean can you log-on and see your balance and summary of your transactions?
I saw on the news that there will possibly some new laws passed about overdraft fees, because the banks do little things to increase the likelihood of you going over your balance, like holding deposits longer than they really have to, and not holding credit purchases longer than debit purchases when it overdrafts you, and things like that. The news said banks will MAKE a profit of over $30 BILLION in JUST OVERDRAFT FEES! That's dirty as it can possibly be, and there really isn't much anyone can do about it - you just about HAVE to have a bank account these days.
Again, I really appreciate it when people are helpful on this site instead just always being mean and gossipy! God Bless...
Gilbert Mom

United States

#5 Sep 27, 2009
Yes this month i had over draft fees from BB@T when i went to talk to the lady about it . she pulled up my records on the computer said it was a check that had been out for 3 months . now i am not all ways great at marking off my transactions each month . but i highly doubt i would have missed a check being out that long . now i am out around $200.00 bucks over draft fees .i have been so upset about this . we hardly get bye as it . i have been thinking of finding a new bank but i hate to go throe that after having my checking account for more than 20 years at BB&T.i have decided to just put enough in my account to only cover the fees for this month. and maybe open an account at the other bank in town .
Me too

Gilbert, WV

#6 Sep 27, 2009
A family member of mine had an account over there a few years ago. He had it for several years well they completely screwed them out of thousands of dollars, it was a business account. It completely messed up their financial records. It was a huge mess, ended up with the IRS in it and having to refinance their home. All of this just started by BB&T cause a chain reaction. They never could really prove where their money went. It's like it just vanished. Personally I think someone is putting it in their pockets. Just be careful if you have an account with them.
Me too

Gilbert, WV

#7 Sep 27, 2009
Gilbert Mom wrote:
Yes this month i had over draft fees from BB@T when i went to talk to the lady about it . she pulled up my records on the computer said it was a check that had been out for 3 months . now i am not all ways great at marking off my transactions each month . but i highly doubt i would have missed a check being out that long . now i am out around $200.00 bucks over draft fees .i have been so upset about this . we hardly get bye as it . i have been thinking of finding a new bank but i hate to go throe that after having my checking account for more than 20 years at BB&T.i have decided to just put enough in my account to only cover the fees for this month. and maybe open an account at the other bank in town .
There's no way you should have not known about that. If it were any other bank as soon at the check bounced and they knew you would too, they would let you know. BB&T isn't going to let you know because they are making money off of your overdraft. They are crooks.
The only bank I know that will let you go over your ATM limit so they can charge overdraft fees. If I were you I wouldn't care how long you've banked with them I'd find a new one.
BLUE EYES

Great Cacapon, WV

#8 Sep 27, 2009
I don't bank with BB&T but my friend does. Her account has been messed up a couple of times. She has even went in, then I know she got a phone # to some other office (I think in Charleston) and was on the phone a few times with that branch, but no one could ever give her an answer as to what happened.
Lil Ol Me

Gilbert, WV

#9 Sep 27, 2009
Yes LB&T offers online banking. I check mine about 2 times a week. I am very very satisfied with our accounts being there.
Gilbert Mom

United States

#10 Sep 27, 2009
Me too wrote:
<quoted text>
There's no way you should have not known about that. If it were any other bank as soon at the check bounced and they knew you would too, they would let you know. BB&T isn't going to let you know because they are making money off of your overdraft. They are crooks.
The only bank I know that will let you go over your ATM limit so they can charge overdraft fees. If I were you I wouldn't care how long you've banked with them I'd find a new one.
Does anyone have any experience with the Bank of Mingo . any problems with them that i may want to consider .i am asking because i want to open an account over there . i would like to keep a bank in town because it is easier for me to get to a bank in Gilbert .
hillbilly humor

United States

#11 Sep 27, 2009
Watch out too if you owe them on any kind of loan. They paid back their TARP money to the government because the big wigs couldn't pay themselves big bucks as long as they owed it. They cut their dividend and sold more stock that really messed over their stockholders. They also have a one of the worst records for mortgage modifications. Look them up on the internet and see how much they make on fees, overdrafts, late payment fees, etc. Very large percentage of thier revenue from these sources.
Lil Ol Me

Gilbert, WV

#12 Sep 27, 2009
Gilbert Mom wrote:
<quoted text>
Does anyone have any experience with the Bank of Mingo . any problems with them that i may want to consider .i am asking because i want to open an account over there . i would like to keep a bank in town because it is easier for me to get to a bank in Gilbert .
Do direct deposit and you won't have to go to Man very often.
misslilmiss

Louisa, KY

#13 Sep 28, 2009
me & my husband had our home financed at a bank,then BB&T bought it out and our problems began. he is a truck driver and I went with him on a trip,we were stuck in California and when we got home our house payment was 1 day over the ten day grace period,my husband got up early that morning and went to pay the payment as the bank opened,we were charged 50.00 late fee.My husband told them the other bank before they bought it out never charged that much,they said new bank,new rules,so we gound a new bank and have had no problem for years (knock on wood) we hate BB&T
misslilmiss

Louisa, KY

#14 Sep 28, 2009
me & my husband had our home financed at a bank,then BB&T bought it out and our problems began. he is a truck driver and I went with him on a trip,we were stuck in California and when we got home our house payment was 1 day over the ten day grace period,my husband got up early that morning and went to pay the payment as the bank opened,we were charged 50.00 late fee.My husband told them the other bank before they bought it out never charged that much,they said new bank,new rules,so we found a new bank and have had no problem for years (knock on wood) we hate BB&T
ProudCoalMinersW ife

AOL

#15 Sep 28, 2009
Gilbert Mom wrote:
<quoted text>
Does anyone have any experience with the Bank of Mingo . any problems with them that i may want to consider .i am asking because i want to open an account over there . i would like to keep a bank in town because it is easier for me to get to a bank in Gilbert .


Bank of Mingo is even worse...they did the same thing to me and my husband twice and we moved our business to LB&T
pepporoni pete

Gilbert, WV

#16 Sep 28, 2009
ProudCoalMinersWife wrote:
<quoted text>
Bank of Mingo is even worse...they did the same thing to me and my husband twice and we moved our business to LB&T
i dont know how long it takes to cash a check there but lord it takes forever just to talk to a loan officer and when you do, they act like its killing them to wait on you. i think im going to lb and t as well.
bank of mingo

Gilbert, WV

#17 Sep 28, 2009
I bank at bank of mingo and they are great. I have been there many years. I had a check bounce once due to a math mistake which was my fault! The bank called me as soon as it was trying to go thru and told me to come down there. She took away the banks charges but I was still charged a fee to the place I had wrote the check to but it was my fault. Never will do that again! But Bank of Mingo staff is great. I am sure if it happened more than the once in years time they wouldn't be able to call every time but since it was out of the ordinary and only once they made the effort and it was greatly appreciated.
umm

Gilbert, WV

#18 Sep 28, 2009
ProudCoalMinersWife wrote:
<quoted text>
Bank of Mingo is even worse...they did the same thing to me and my husband twice and we moved our business to LB&T
well if u kept sufficent funds in ur account then u wouldn't have to worry...for checking its 100 bucks i think its a wonderful idea they do that and now they check ur credit before they give u an account to keep people like u from keeping ur account overdrafted and acusing bank of mingo as the problem thats probably the only bank around that still tries to help u and not screw u over
lmao AT U

Gilbert, WV

#19 Sep 28, 2009
umm wrote:
<quoted text>
well if u kept sufficent funds in ur account then u wouldn't have to worry...for checking its 100 bucks i think its a wonderful idea they do that and now they check ur credit before they give u an account to keep people like u from keeping ur account overdrafted and acusing bank of mingo as the problem thats probably the only bank around that still tries to help u and not screw u over
You know, it's just so hard to be as perfect as people like you. The great ones, who have never overdrawn, or had to worry because you probably always have somebody there to shove you a handful of money. Sometimes people have to spend money out of emergencies, and more people than not will overdraft. It's just likely to happen. The overdraft "market" as it's called nowadays, is a $30 Billion a year business, so let's just cut the bullshit act, and stop acting like banks don't want it to happen, so they can make money off of you.

People like you are the reason there aggravation in the world. You point a finger and act like everyone else a problem you couldn't possibly have because you feel somehow more significant or better, but let's just face the truth and realize that it could happen to anyone. It doesn't mean you are a bad person, or a low life piece of garbage. Everyone is likely to overdraft their bank account at some time or another, so take your brilliant suggestion of "just make sure you have enough money in your account" and shove it up your ass.
Me too

Gilbert, WV

#20 Sep 28, 2009
lmao AT U wrote:
<quoted text>
You know, it's just so hard to be as perfect as people like you. The great ones, who have never overdrawn, or had to worry because you probably always have somebody there to shove you a handful of money. Sometimes people have to spend money out of emergencies, and more people than not will overdraft. It's just likely to happen. The overdraft "market" as it's called nowadays, is a $30 Billion a year business, so let's just cut the bullshit act, and stop acting like banks don't want it to happen, so they can make money off of you.
People like you are the reason there aggravation in the world. You point a finger and act like everyone else a problem you couldn't possibly have because you feel somehow more significant or better, but let's just face the truth and realize that it could happen to anyone. It doesn't mean you are a bad person, or a low life piece of garbage. Everyone is likely to overdraft their bank account at some time or another, so take your brilliant suggestion of "just make sure you have enough money in your account" and shove it up your ass.
That person is a jackass. Don't even worry about it. We've never overdrawn or bounced a check and we have great credit but that is a very very hard thing to do, we've been fortunate enough to keep a good amount in our checking and savings, we are blessed with an education and a good career but anyone can make a mistake, it doesn't make you a bad person. Even with as good a credit as we have don't think one slip up the bank will be charging out the ass for whatever it can. Banks make a killing off of overdraft fees, if they didn't then they wouldn't have them. Their just waiting for someone to screw up so they can collect.

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