Truist Bank (formerly BB&T Bank)
Reviews and Complaints

Our daughter wanted to apply for a loan at bb&t in russell springs, kentucky. On her way out the door to apply for the loan her 'boyfriends' at the time"mother told her" you will not get the loan I took care of it". She went to the bb&t branch in russell springs, kentucky with her grandfather and applied, she had an account in good standing. When she applied for the loan they told her"we do not give out house loans to those who do not live in the house already".

When she returned to her boyfriends' house the mother told her that she called bb&t in russell springs, and told them to deny her the loan. She would not tell her what all she said to them, but she did say bb&t assured her that our daughter would not get the loan.

This is a complete outrage. Our family has been with this bank and very loyal to this bank for years, and to have someone be able to call in and get our daughter denied simply because she wanted to is excusable.

Then for them to turn around and lie and say it was because she was not living in the house that she wished to buy is beyond belief... So if you get a loan at bb&t in russell springs, kentucky for a home purchase that you are not living in, you need to beware. They said quote:"we do not give out loans to buy a house when you are not living in the house."

On top of this already low business practice they have been accepting our daughter's husbands checks that his mother takes out of the mailbox and fraudulently signs his name to - sometimes she does not even sign a name and they still cash the checks! These checks are tuition money for his college and she takes 1/2 of every check and spends the money. Bb&t allow her to do this, it is wrong they are helping her to steal and defraud the school by doing this.

We will never bank with bb&t in russell springs, kentucky again. We are trying to speak the truth about what has happened to our family so you can make an informed choice as to where you bank. We live in a small town and for the bank to do something like this is just appalling!

I bank with SunTrust...a great bank. I use online banking for all my bills. Since July 2010 I have been paying my landloard throught Suntrust online banking. They issue a check to my landlord who banks with BB&T. They now refues to take a check that my bank (Suntrust) mail to my landlord. They said because it said signature on file is the reason they won't take the check... This has cause problem with my landlord saying that I have not pay them on time...As I read on BB&T website they do the same thing when a company can't take a electri fund tranfer and has to wite a physical chenk for their customer. I am also filing a complain with the NC Banking agency. I hope this bank goes out of business. They will not listen to my bank that the check is a valid check. Thanks,
Michael D. Rickman
[protected]@cfl.rr.com

I have been working for the past two months with BB&T case # C-[protected]. The bank is not helping me at all their fraud department is [protected]. The only thing they do is they call the bank that the check was cashed at and ask them would they return the funds and thats all they do. They will not work with me at all. Im a disabled veteran and a senior citizen, and i need help resolving this matter because they have taken out over 3400 dollars, and the bank keeps charging me overdraft fees. to this date it adds u to $490.00. i need all the help i can get cause i am on a fixed income. thank you for your time in this matter. mr.young

Bb&t charged me overdraft fees. I had a limit set up to alert me at a certain balance figured I was good cause I was using my card and balance alert never notified me. Found out days later when I got overdraft statements in mail I was in hole $400.00. Called and complained and they said they didnt change my account musta been problem with my phone or email. I said why would I change my account when I had money in savings to transfer over, yea makes since to overdraft and lose money not. Complained and complained and they blamed it on me and I said I never touched my account and when I said it was there system and it had a glitch they directed me away from phone. I hate bb&t

I have a checking account with bb&t, even though there is no local branch. I opened the account, because my employer had planned on transfering me to louisville. The Customer Service was nice and professional at first. I ended up having two things, come through as payments. Which drew my account over, I called the call center, to see if they could maybe work with me or remove the fees or take off a fee. The Rep said, he would have to put it into the system and see if it would take them off. He stated the system said the fees wouldn't come off and if I can't handle an account. I shouldn't have one, so I asked for a supervisor the rep laughed and said its not up to the Supervisor. So I decided to call the local main office for Kentucky, which is in Louisville. Spoke with a young gentlemen, and advised what happened, and what was said by the call center rep. He stated, that was true and that is how the fees are figured out. So he asked for my social and some persoanl identification. To verify it's me, then looked at my account, and said I am not making any money for the bank and not doing much business. So why should he take the fees off, and why help. When I am not helping them, so I asked for a supervisor. He said he could transfer, but would say the same thing. SO I can't get any one to work with me or help me. They just want money, and don't care about the customer.

I Billy Caldwell made arrangements to sale a Commercial Truck, and Trailer to a buyer from Dallas Texas for the amount of $13, 300. The Buyer was to transfer half of the amount, via Bank Wire $6, 650 from his account to mine 12/10/2010. The Buyer instead made a transfer in the amount of $5, 000, which was not agreed appond. The buyer also agreed to bring the remaining balance in cash, and pick up the truck, and trailer the next day. The buyer in stead canceled, and imformed me he would be coming on Monday 12/13/2010. The buyer arrived before 10pm. After viewing the truck, and trailer, the buyer asked me to discount the price to $11, 000. I said no, he then stated I don't want the truck, and trailer, but instead would like a refund. I stated no, we had a deal. The following morning I received a bunch of threatening calls, and I also learned that the buyer reported the matter to my Bank BB&T as fraud. My Bank Account was frozen by The acting manager Mrs. Jordan at my Branch, without my knowledge. After contacting Mrs. Jordan, she refused to discuss the matter in full detail, but assured me that I'd be contacted later that day by her, or a representative of BB&t. I never heard from Mrs. Jordan or a Bank Representative. I contacted BB&T later that day, and found out my account was under investigation for fraud, and I would have no access to my account.

i recently asked BB&T for overdraft protection, the bank rep. on the phone said all i needed to do was to come in and sign a piece of paper, so when arriving at the bank, i went inside and asked the banker about overdraft and how to add it to my account, well they sent me to one of the higher up bank rep.s who then went on about credit and ended up stating that i would need a co-signer. all i wanted was overdraft, nothing about credit or anything like that. so i went home and called the guy who had opened my account and asked him about it, he then went on about the credit thing. i then stated that i just want normal overdraft, like example:if im in dire need of money i could overdraft my account and then pay it back, if i dont have enough money in the bank. so he then went on and said he finally knew what i was talking about and stated that he added it to my account. well i waited until 2 days after he said it was added and i went and tried to overdraft my account due to a personal issue, well when i tried all the atm stated was "insufficient funds to proccess transaction". i mean if you cant overdraft your account, then why the heck even bother? i really need to overdraft my account to pay something i really need to get paid, but how can i when all i get is "insufficient funds" i mean to me, it sounds like BB&T wans people to think they can get it, and when you need it they wont let have it. i really think all this bank is, is just a bunch of scam artists stealing people's hard earned money.

I am flat out furious after being declined with my debit card for the first time in my life. About two weeks ago I switched to BB&T due to them being the closest bank within driving distance. Everything has gone great so far. At least until now. Due to the bank change, my most recent paycheck was a live copy instead of direct deposit. While I have never done this before, I deposited it in an ATM this past Saturday. I knew full well it would probably not clear until Monday or at the latest Tuesday. That is not an issue, and I see nothing wrong with that. My account as of now should have over $600 in it. I stop by a 7-11 tonight in order to purchase a Slurpee, yes, just a Slurpee. I get declined. I try credit and get declined. I am humiliated. Again, I have never been faced with this before. I immediately log on and see my account now is showing a -$350 balance. I nearly fainted. I immediately researched the issue, and shockingly it appears my deposit is showing as ATM Deposit Hold - Debit. Excuse me?

That's right, my deposit was instead debited from my account, and I am now in the negative. Calling customer service did nothing because it was after midnight, and they do not get in until 6:00am. I have no issue with them holding a deposit from an ATM, but I see no reason whatsoever to debit it instead. My $600 that was there before I even put the deposit in is now gone.

After doing some research, it appears others have had this issue, and this, I gather, is how BB&T does business. After I get this straightened out first thing in the morning, I will be taking my business elsewhere - after only two weeks. There is no excuse or reason they can give me that I can even imagine would change my mind. It's a shame, too. The people at my branch were exceptionally friendly, even got a hand written letter thanking me for banking with them. Everything went just fine, and now this. They've lost a customer.

I suggest NO ONE use this bank. They were great at first, but things are going down hill real fast for them. They froze my bank card without contacting me. They say they called, but there was NO message on my voice mail, and NO e-mail through my account online! The reason the card was frozen was because a vendor's information was hacked, so anyone who used their card with that vendor, thier cards were frozen, mine being one. 10/8/10 I went grocery shopping with 4 kids and a cart full of groceries, my card was DENIED, and I was forced to imbaressingly walk out of the store! I called the bank, the rep assured me a new card was in process and on the way...waited 15 business days, no card. 10/29/10 I physically went to the location I opened my account at, and was told had to make a new process...was told to wait 5-7 business days, well today is 11/17/10 and STILL NO CARD! All they keep telling me is allow 5-7 business days...I'm pretty sure my math is correct in saying it's been that and then some! I'm one pretty ticked off person about this whole situation! I understand protecting my account, but this is getting rediculous! If it's not a customer's fault, then they should take different measures to get the issue handled like within 24hrs or less!

My mother has a credit card with BB&T and Bank of America she also has her vehicle financed with General Motors. On all of these she has for years paid the Insurance in the event of job loss. well after working with her company for 6 years they have let her go. She has attempted to contact the companies and get them to assist with the payments until she can get picked up by another company. All of these companies are giving her the run around saying that she does not qualify for the coverage. None of these companies had a problem extending the offer for this insurance nor did they have a problem with charging a preimum for this coverage. Bank of America charges 10% of the amount that is on the card. NONE of these companies have assisted with what they have been paid for and all of them had an application process that had to be approved before you could even qualify for the coverage. In my opinion I feel that this is a SCAM because they do not mind TAking the money but when you ask for the assistance that you have paid for you get the run around with every excuse you can think of. Please anyone out there with these cards or loans use caution so that you are not paying for something that you can not get.

[protected]@bbandt.com
Derold McIver

[protected]@bbandt.com
Bobby Blakley

[protected]@bbandt.com
Derek Lane

[protected]@bbandt.com
Alan W Greer

We have a current issue with BB&T that we'd like to share and it's pretty clear and simple that this is a case of a bank using illegal practices, resulting in fraud against the consumer.
Situation: We were going on vacation 3 days before Labor Day. We made a transfer from our Main account to our personal account on that day before we left to cover incidental charges. The main account has no debit card, the personal account does, which is what we use to spend for vacations. We initiate the charge before we even leave the house, so naturally this is before any specific charges are posted against this account. Each day we check the account to ensure we haven't forgotten to enter any charges into our check register, albeit we kept receipts and the like, just to triple check ourselves (we're careful to a fault like that.)

Upon our return home 5 days later, on a bank processing day, we realize we're in the hole to the tune of about $200 dollars. NO WAY we spent ourselves into a hole. We quickly check the account and immediately realize our pending transfer has DISAPPEARED. We make another transfer at this point because shoot, we're in the hole and there is a list of charges pending, all valid charges. We call BB&T and a representative advises us that this happens from time to time over long weekends such as a holiday weekend, simply so the money is not tied up for too long.

WTH? If I make a transfer, you leave that transfer there until your bank can process it. Who gives you permission to undo what a customer wants to do, without notifying them? Nevertheless, he says it's no problem the money should appear within 24 to 48 hours, toppling the second transfer we made during our panic. Two days later when the initial transfer never shows, we call the bank again. A nice lady kindly explains that she doesn't know what that rep is talking about and that all she can do is refer it to a 2nd level representative, who should be able to resolve it within 24 to 48 hours.

Meanwhile, charges are still clearing and SOME come with overdraft fees, some don't. We ask, well why don't the other charges come with overdraft fees since they were all made around the same day, if what you're saying is true about our account having insufficient funding? I don't really know, she replies, and begins to spit out her customer service rhetoric again. I say: FRAUDULENT and UNETHICAL. If this doesn't get resolved, we're contacting a lawyer, the SEC and whomever else we can find to hear about this that can do something about it.

Where is my deposit? This is a constant recurring problem. It takes forever for a check deposit to show up with BBT! Everytime a deposit is made (even payroll checks) they put a hold on your deposit for 48-72 hours. Why? No one at the bank could tell me. When I sent an email to their customer service, I got the automated response saying that they will get back to me in 48-72 hours.

Okay... I'm taking that 48-72 hours to move my money elsewhere.

I had a safety deposit box with Coastal Federal in early 2000. It was at no cost due to Money Market account I had. I maintained the account until now, thinking I had the box. The contents were such that I did not need to tamper with them. They were family heirlooms to be handed down and fragile. The bank was bought out by BB&T about 2006/07 and sometime during that time..my box was given to someone else. BB&T have no record I ever had a box, all I have as proof are the keys. They said they looked for my items, shook my hand and said they were sorry for my loss. If you have a safety deposit box, you may want to check on it.

My complaint is the same as the others, concerning overdraft fees. I'm out $900.00 in less than a months time. I'm concerned about what can be done to get our money back? I've talked with the local branch, I've called the Bank24 line, and I'm about to call the Corp. H.Q.(which I know will be a waste of time too). Has anyone had any luck getting all of their money returned? Does anyone know how to get this done? If so, could you, please email me with this knowledge? Is there a classaction suit in the process?
My email: [protected]@bellsouth.net

They pulled money from the wrong account on on-line bill pay. The 2nd account only had $2.50 in it the other account had $1500. They billed us (TOOK OUR MONEY), $310 in overage fees and will not return it. They finally gave us $70 dollars and told us to take a hike. They were rude and the cause of this was because of this was related to the buy out of Colonial Banks.
DO NOT USE BB&T AS YOUR BANK UNLESS YOU READ all the info about the overdraft fees etc... You will find it appaling and remember that with us it was their error during the colonial switch over. We cannot afford a lawyer.

There are erroneous charges on my account & have problems with how payments are applied. Causes negative credit reporting & extra charges every month.

1.The original loan was taken out in September 2006. Even though my understanding and the paperwork reflects my payment due date was the 20th of every month, BB&T attempted to Automatically deduct my payment every month on the 22nd. Charging me NSF and late fees every month, so my payments when I made my payments they were not ever applied to my principle correctly, also causing my credit report to negatively reflect late payments for the 25 months (nearly the life of the loan). BB&T has admitted that this was there mistaken but will not fix my credit report or apply the money correctly to the account.
2. In October 2009, I received a right to cure with a due date in November 2009. My daughter stepped in to assist me with paying these fees even though I did not believe that I owed this money. To confirm the amount the Hampton BB&T representative called the main office in North Carolina to confirm the amount that would bring the account current and up to date. We were given a total amount of $2853.16. My daughter wrote a check for the amount with the memo line stating that this would pay for all payments and bring the account up to date. The representative then proceeded to give us a notarized statement attesting to that fact. So, when I made my November payment (on the third Wednesday) that payment counted towards the December payment. When my January statement came, it said I owed $788 for the regular payment and $788 in fees (the exact amount of the house payment), totaling $1576 that was due for the month of January. Why was I told that my account was current and up to date; and in fact ahead of schedule if there was left over fees? If there were any leftover fees that were associated with the supposed late payments, why weren't they taken out of the advance payment in November 2009? When my daughter asked these questions, she was informed that we were supposed to tell the teller to apply the payment to fees, but we were insured by the representative in November that the account was current, and we were even given a letter stating that there were no more outstanding fees so how would we know that there were any fees? Also, the large lump sum was applied to fees without being instructed to do so, and it just happened.I do not believe that there should be any late fees associated with this account. And furthermore, I don't have much confidence that these mysterious fees will not just keep appearing.

3.My recent January 2010 and February 2010 statements have arrived, and I see that my payments are still not being applied to the principle. After all of these problems have been highlighted, after being told to monitor my statements, after changing to make my payments via check as instructed so that we can track them, my payments are still not being applied to principle as can be seen in the February statement. This is not what is documented in my original mortgage statement. My ENTIRE January payment looks to have been applied to interest, no fees and no principle even when my check states clearly to be applied to the mortgage payment. How is this possible and when are my payments to be applied to principle or fees? If this could be explained it would be most appreciated. This is another example of BB&T applying payments as they see fit without following the letter of the written mortgage statement or to the direction of the customer - ME.

BB&T has been in the process of taking over Colonial Bank for months. Until recently it was no big deal. Today I was informed that my Visa Debit card will not be any good, auto payments I had set up might not work and I cannot access funds for transfer to cover costs. It probably would have not been so bad if they sent me another card first and informed me of what needed to be done? I was sitting in a local branch last week talking to a representative about stopping a payment and possible investments. I asked them about the latest of the long winded letters I got about the change that really said nothing. He agreed and indicated that they basically they were just letting me know my service would be uninterrupted. The above is definitely INTERRUPTED to me! and being without a debit card when a vacation is planned is not good. Oh they are sending me a new card. It might be here in 10 days?

On [protected] at 8:10am I was reviewing my checking account information online, I notice there was a maintenance fee for $11.00. I immediately called their 800# and was told when I opened the account I signed to agreeing that if my checking account went under $750.00 there would be a $11.00 fee. Ha! I opened this account when it was 1st va bank sw when I was 17 years old! I am 28 now. I said, show where I agreed to this and the customer service woman said someone will call be back with in 48 hours, since there was nothing she nor her direct supervisor could do, surprise... Oh! And get this you guys, the customer service woman said they haven't even offered that service in years? Hmmmm, so all the sudden we are going to tell customers they agreed to something even though they didn't so we can scam their money? Confused? I was too, but it's just another way they are trying to steal money. It is now [protected] at 12:38pm and I still have not received any call. I think it is just unbelievable the way they are making up fees and steal money from their clients — if you bank with bb&t go close your account out before they take anymore of your money! I spent my saturday morning opening a new account at another bank, and I am not surprised to see all of the complaints against bb&t! Just thought i'll tell you guys the newest scam they are trying to pull! I'm even embarassed to admit I worked for bb&t for about 7 months. Since I have left bb&t i'm glad to say I am proud to know that I work for a company that is legit and my money is safe! If you bank with bb&t run!

Dear Mr. King,
As the President of BB&T, I felt a responsibility to inform you of certain facts regarding the actions of one of your bank officers (specifically Deborah Conrad). Please know I have been banking personally and professionally with BB&T for over a decade. During that time I have enjoyed the honesty, integrity and professionalism your team has always displayed. It was these characteristics that kept us with the bank for so long. Our banker, John Murkey has always been a gentlemen and wonderful business colleague. The relationship was mutual and always based on trust. In fact, our company was highlighted as your “customer of the year” in one of your advertising campaigns.
The purpose of this letter is to inform you of the unacceptable, fraudulent and potentially criminal behavior of one of your bank officers. Deborah Conrad lied on several occasions to me personally, other shareholders and the ComputerTraining.edu Management team. I thought you might like a few of the facts.
1. ComputerTraining.edu is required by each state to establish bonds for tuition refunds. Your bank officer, Deborah Conrad, deliberately took approximately $400, 000 of these funds by intentionally misleading ComputerTraining.edu’s President and CFO that these would be used to teach out our classes. As soon as the State of Maryland released the funds, she confiscated them. We have already notified the Maryland Higher Education Commission of her behavior and are also informing the Maryland Attorney General’s office. To deliberately mislead a bank customer/LICENSED SCHOOL and defraud the State of Maryland of $400, 000 that was set aside for students is a problem.
2. When we were notified on Christmas Eve that our line of credit was revoked, Deborah Conrad insisted we secure all of our assets (BB&T has first lien position). We have several emails that show her level of interest in the equipment we had at each campus. She instructed us to lock all of our locations and secure over 1, 500 computers. This included locking out our employees. She said management would need to go around and supervise anyone coming back to get their personal belongings. If there was any vandalism… I was going to be held responsible. I thought it was odd she asked me five separate times to write an email explaining how I was going to do all of this. Thank god I never wrote the email.
3. By revoking our line of credit, the company had no funds to operate. To make matters worse, Deborah Conrad informed me that the $2.8 million we had in accounts receivable would be confiscated by the bank to pay down our debt. We could not use the funds to teach out students or continue operations. Deborah Conrad claims the bank didn’t close the company… but think about it. Why else would we close? We spent 17 years of their lives building the school.
4. In addition to the accounts receivable, the company had $2.8 million set aside in restricted cash. Restricted cash was part of our bonding requirements and would have been refunded to the company had we taught out the students we still had in class. By revoking our line, we lost any opportunity to teach out the classes and use these funds to pay down business debt.
5. Another event that goes to show the lack of character Deborah Conrad displays is when she scheduled a meeting with our entire management team after the company was closed. When the ComputerTraining.edu management team showed up she had the bank’s counsel with her. At no time did Deborah Conrad inform us that the counsel was going to be present. To make matters worse, she introduced counsel as “Oh, this David… he works with the bank.” She deliberately misrepresented who he was and why he was there. Deborah was shocked to see that I flew in from Florida to attend the meeting. I walked in last. She scheduled the meeting with our Company’s CEO and CFO and assumed I wasn’t going to attend. When I walked in and asked specifically who this person was and why he was there she stumbled around trying to explain that we should have known counsel was coming because she had cc’d him on the email she sent to Chuck Lang (our president). We ended up walking out of the meeting. Her behavior was despicable. We are filing a complaint with the Maryland bar regarding David Fontana’s actions (he is your attorney). Mr. King, if you don’t believe me ask your VP Ed Barker. I’ve known Ed for 10 years. He was there for the event and I trust he will tell you the truth.
6. During this time, Deborah Conrad also spoke with Sallie Mae and told them she was working with us. The plan was to sell the company over the next 6 months and we needed BB&T to cooperate through the process. Sallie Mae was shocked by BB&T’s complete reversal. After speaking with Deborah, they were under the impression we were all moving forward (like the rest of us).
7. Only 30 days earlier, we engaged the BB&T Capital Markets Group to sell the company. They put a valuation on the company of somewhere between $10-15 million. Since we had 25 campuses that were all fully accredited, our company was of value to online and accredited schools looking to expand their offering. Again, this makes no sense considering that BB&T would have profited from this transaction.
8. The $2.8 million in receivables and $2.8 million in restricted cash would have given us $5.6 million to teach out all of the classes. The actual cost to do so was only $2 million. That’s $3.6 that BB&T would have gotten back AFTER all of the students were taught out. Let me ask you… why would the company close the doors? The company would have been $3.6 million less in debt to BB&T by teaching out the classes. Deborah Conrad deliberately caused this problem. She didn’t take the time to listen to the facts. She made poor decisions that has caused a huge mess. At the end of the day… I think she is simply evil.
Deborah Conrad’s story does not add up. I am offering to have an independent agency conduct a polygraph test. I think we should ask Deborah Conrad if she is willing to do the same.
As the President of BB&T, I thought you might want to know what some of your people are really doing. I find it hard to believe you would want your employees behaving this way. I stand nothing to gain by any of this. Deborah Conrad’s actions has already ruined my reputation. Deborah Conrad said she was working with us for “months.” The first time we met was Thanksgiving week. 30 days later on Christmas eve she closed our doors.
The defamation suit the bank filed is welcomed by our team. You will quickly find out that we have plenty of documentation and witnesses as to what I am saying in this letter. What she is saying doesn’t even make sense. It’s stupid. We were all willing to go our own ways and move on. Once again, BB&T is making a terrible decision. This is going to be a public relations nightmare for the bank. As far as not writing any news agencies, or publishing the truth by using lawyers to compound BB&T’s lies… it won’t work. I will continue writing news agencies, spend time on television reports… whatever until the truth is brought out.
Let me state for the record – Deborah Conrad is a liar, fraud and potential criminal. Sue me. It’s true. She is the one who made the decision to steal from our students. She is the one who made the decision to take funds from the State of Maryland.
ComputerTraining.edu had been in business for 17 years. We were the largest and most successful Microsoft IT Academy in the country. Our thousands of graduates enjoyed an 83% placement rate within 90 days of graduation. All of our campuses were nationally accredited. Our past history will prove we ALWAYS TAUGHT OUT OUR STUDENTS when closing a campus. Ironically, we lost $3.6 million…. Or should I say BB&T lost $3.6 by not teaching out the classes.
When this is all over and the dust settles… Deborah Conrad won’t be able to get a job at any bank. Once the facts come out in this case not only will she be embarrassed but so will the bank. Needless to say everyone is extremely disappointed. Unfortunately, your employee has put us in a situation where we have to respond. People are posting pictures of my children on websites due to her negligence. Everyone thinks we took the students money. Why don’t you tell the truth?

• There were $5.6 million in funds to teach out the classes available – Deborah Conrad lied.
• There were funds to make payroll – Deborah Conrad lied.