Consumer complaint received 2017-06-18
Company: BB&T CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX a wire transfer of {$40000.00} from XXXX XXXX was wired to my account. On XX/XX/XXXX I called to make sure the wire transfer was approved. It was confirmed by a telephone rep that the wire transfer was approved and I could withdraw money from my account. I went to the BB & T bank located XXXX XXXX XXXX XXXX XXXX Georgia XXXX. I went to the teller and requested a cashiers check for {$14000.00} and ask her to make it out to XXXX XXXX XXXX XXXX XXXX. I also asked her to make out a cashiers check for {$23000.00} to XXXX XXXX, and and a cash deposit for $ XXXX.The teller gave me the withdrawal slips to fill out.Once the slips were filled out she picked up the phone and called XXXX XXXX . She stated that she had to get approval to release the money to me. Once XXXX was on the phone she asked me questions like where was the wire coming from, why were they sending me this money, what was I going to buy with the money, what kind of business was this, was this my buissness, was I sub contractors or actual contractors etc. I answered every question that they asked me. XXXX then went back 2 months in my account and noticed that my fiance use to have his paychecks Ach directly into my account. They ask me who he was and why his checks were going into my account. I told them who he was and that checks were to pay bills etc.They also informed me that it was against their company policy to do such actions. I told them I did not know it was. He had not deposit his paychecks into my account in about 2 months. After being interrogated for about 20-25 minutes at the counter the teller then tells me a lie and says that the wire was still pending. It could take up to 24 more hours for the wire to clear. I knew she was not telling the truth because I had spoke with a rep already and knew the wire was clear. She then directed me to XXXX XXXX. I explained to him that when I walked in the bank my account was clear and the wire was approved. I informed him that the teller just lied to me and told me that the wire was still pending. He picked up the phone and called XXXX XXXX. He asked her what was going on with my account. She informed him that she was going to place a block on my account for suspicious activity. It was said that I have never had that much money in my account. Even though I explained to her and the teller what the money was for verbally and I wrote it on the withdrawal slips as well. She also stated that it looks supscious that my fiance would deposit his checks into my account to pay bills. If she was looking at the account she would see that I was telling the truth. The history of this account shows bill payments. He asked her for a eta she said she did not have one and did not have to give me one. I asked if she could just deny the wire eventhough it had already been approved she refused. I then told XXXX that I feel as though they profiled me to be a criminal and they never had any intention on giving me my money. My fiance went to speak with his personal banker XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX to see if he could get the issue resolved. He informed her why he was depositing his checks into my account. She called XXXX XXXX to explain the situation but XXXX was not willing to listen. She thinks that we are both criminals. On XX/XX/XXXX I called BB & T corporate office to make a formal complaint as of XX/XX/XXXXno one has called me back, XX/XX/XXXX I called and made a formal complaint to their customer service department no one has called me back as of XX/XX/XXXX, On XX/XX/XXXX I filed a discrimination complaint with BB & T a to how I feel I was profiled and asked inappropriate questions on the day of XX/XX/XXXX. As of XX/XX/XXXX no one had called me back. On XX/XX/XXXX I emailed XXXX XXXX at XXXX and requested that he send me deposit availabity disclosure by Cob. As of XX/XX/XXXX nothing has been emailed over to me. My account has been blocked/frozen for no apparent reason. I am not a criminal nor have I ever been arrested.

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