Consumer complaint received 2018-08-30
Company: BB&T CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I previously filed a complaint on XX/XX/2018, against XXXX XXXX XXXX XXXX, specifically their XXXX, Kentucky branch, regarding their abusive excessive check deposit hold times on my checking account. As a result of my prior complaint, XXXX  XXXX XXXX XXXX retaliated by charging a debit to my account for {$300.00}, with the name Recovery Offset XXXX # XXXX FORCE PAY DEBIT MEMO on XX/XX/2018. I called XXXX  XXXX XXXX XXXX on XX/XX/2018, asking what that charge was for, and I spoke with their recovery offset unit and they said that they charged the {$300.00} because there was a " charge off '' on another account with them that took place back in XX/XX/2018. I asked the recovery offset unit why this offset took place now, and they couldn't answer. This only took place as a result of me filing a complaint against the XXXX XXXX XXXX XXXX XXXX in XXXX, Kentucky on XX/XX/2018. When I spoke with the XXXX, Kentucky BB & T branch person named XXXX immediately prior to filing the XX/XX/2018 complaint against them for excessive hold times on my checks, she made a mention of another account that was " charged off ''. XXXX   XXXX XXXX XXXX is engaging in retaliatory practices to discourage others from filing complaints against them when they are engaging in hostile and abusive business practices. The {$300.00} offset that XXXX   XXXX XXXX XXXX assessed on my account on XX/XX/2018 is a direct result and retaliation for filing a prior complaint against them which in my case was the XX/XX/2018 complaint. In addition, they are using these abusive and retaliatory practices against me because I am XXXX, and the XXXX, Kentucky XXXX person, named XXXX, didn't like that I was standing up for my rights against them as a XXXX. In addition, XXXX XXXX XXXX XXXX assessed an additional overdraft fee of {$36.00} on XX/XX/2018, which occurred as a direct result of the {$300.00} offset that XXXX XXXX XXXX XXXX assessed on my account on XX/XX/2018. XXXX XXXX XXXX XXXX is engaging in retaliatory practices for filing a complaint against them with a regulatory agency. In addition, the {$300.00} offset by BB & T that took place on my account wouldn't have occurred but for filing the complaint on XX/XX/2018, against XXXX XXXX XXXX XXXX, specifically their XXXX, Kentucky branch. XXXX XXXX XXXX XXXX is engaging in unfair and retaliatory business practices to try to discourage others from filing complaints against them with regulatory agencies when they engage in abusive and hostile business practices. In addition, if a person of XXXX like myself, as a XXXX male, stands up for their rights against the XXXX, Kentucky branch, the branch also retaliates by processing offsets to accounts which in turn overdrafted my account and BB & T conveniently assessed an additional {$36.00} overdraft fee on XX/XX/2018, after deducting {$300.00} as an " offset '' on the same day. XXXX   XXXX XXXX XXXX needs to immediately refund my account the {$330.00} that they deducted from my account as a result of filing a prior complaint against them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation