Consumer complaint received 2016-01-03
Company: BB&T CORPORATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have a serious issue with this Rep with BB & T. Her name is XXXX and I spoke with her today after I called back again when they hung up on me. Not a way to do business. 

I have an issue with BB & T Bank. My account number ending in XXXX. This is a student account because I am a college student.Now I opened up an online account and I requested the overdraft protection. I had a {$6.00} overdraft and they charged me {$36.00}. Ok I understand that. That was less than a week ago. Now today I get a letter stating that another {$36.00} fee was attached to my account and Now its at a - {$77.00}. So I called BB & T at XXXX and also the number of the back of my card since they hung up on me the first time XXXX. I spoke with a XXXX. I told her that I did n't understand where the extra {$36.00} fee came from. She told me they paid the overdraft and I knew that and that they charged me another fee since it was n't paid within 7 days something that I never heard of before. I told her what is the purpose of the overdraft protection if I am still being penalized. I am being charge {$70.00} plus dollars for {$6.00} dollars. She stated that the overdraft protection is a courtesy that the bank can pay it or not pay it. So I asked her whats the purpose of it if I am still penalized. I had already made contact via email regarding the initial {$36.00}. So I asked XXXX am I going to be charged every week another {$36.00}. She said only once. I told her to close out my account and send me the remaining balance of {$77.00} because I was n't misled like this with the other bank. She told me she could n't close my account out until I bring it current then she can do it. I told her that I want that account closed right now. That I am not paying anything until I get the information that states its closed and I get the balance in my hand. She then threatens me by saying she will send it to collections. I told her I do n't care who she sends it to. CLOSE IT OUT. So now since I do n't want to do business with BB & T, she is going to deliberately allow my account to linger and accrue more fees in an attempt to inflict harm to my credit. What Bank reps you know threatens collections when a consumer wants to stop doing business with them. That 's crazy. At that point, I was getting irritated with her and to keep from cursing her out, I hung up. No one threatens me to do anything. Who is she suppose to be. They trick the consumer into opening these online accounts to get over on them later. I have a right not to do business with anyone who allows their rep to behave this way. If I have to go to the media with this, I will do just that. But I suggest BB & T get a grip on its employees and their scheming practices. I will not pay any money to them until they close out my account. And I am only paying the {$77.00} I should n't even pay that since they never disclosed a 7 day fee of an additional {$36.00}. This is the first time I have heard of such nonsense.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation