For XXXX/XXXX/XXXX to XXXX/XXXX/XXXX period BBT Activities : There was service charge for any account. 
My Argument : when I signed contract with XXXX bank, my accounts were set up with no service charges. During this period, BBT abided the contract I had signed with XXXX bank. 

At XXXX/XXXX/XXXX My request : I made request to transfer all money from my " Business Money Rate Savings '' account to " Business Value 200 Checking '' account and close " Business Money Rate Savings '' account. 
BBT Activities : the clerk did n't do it and left the account open with {$9.00} although he told me the account was closed. 
My Argument : why the clerk did n't tell me the truth, whether that was intentionally or just mistake? 

From XXXX/XXXX/XXXX to XXXX/XXXX/XXXX period BBT Activities : There was a " Cash Management Online '' service charge {$35.00} from my " Business Value 200 Checking '' account. 
My Argument : I never set up " Cash Management Online '' service with BBT and even do n't know that I have this service with BBT. BBT never tells me either by phone or letter anything about this service. 

On XXXX/XXXX/XXXX My request : I noticed that my " Business Money Rate Savings '' account had not been closed as I requested at XXXX/XXXX/XXXX, I asked clerk to close my account. 
BBT Activities : Again, the clerk said my account was closed, but actually left open with {$9.00}. 
My Argument : I really do n't know this is BBT system issue or clerk issue? 

From XXXX/XXXX/XXXX to XXXX/XXXX/XXXX period BBT Activities : 1. There were " Cash Management Online '' service charges {$35.00} from my " Business Value 200 Checking '' account each month. 
2. There were " Cash Management Online Business Banking '' service charges {$35.00} from my " Business Money Rate Savings '' account which had {$9.00} each month. 
3. There were " Cash Management Online CD Account Maintain '' service charges {$40.00} from my " Business Money Rate Savings '' account which had {$9.00} each month. 
My Argument : in these three months period, BBT added two other charges to my " Business Money Rate Savings '' account : " Cash Management Online Business Banking '' and " Cash Management Online CD Account Maintain '' which I never get noticed. And BBT charged me " Cash Management Online CD Account Maintain '' even I do n't have any CD account! 

From XXXX/XXXX/XXXX to XXXX/XXXX/XXXX period BBT Activities : 1. There were " Cash Management On '' service charges {$35.00} from my " Business Value 200 Checking '' account each month. 
2. There were " Cash Management Online CD Account Maintain '' service charges {$40.00} from my " Business Value 200 Checking '' account each month. 
3. There were " Cash Management Online Business Banking '' service charges {$35.00} from my " Business Money Rate Savings '' account which had {$9.00} each month. 
4. There were " Cash Management Online CD Account Maintain '' service charges {$40.00} from my " Business Money Rate Savings '' account which had {$9.00} each month. 
My Argument : in these three months period, BBT added one more charge to my " Business Value 200 Checking '' account : " Cash Management Online CD Account Maintain '' which I never get noticed and even I do n't have any CD account! 

The Keys : a. I never get notice that I have BBT " Cash Management Online '' service associated with my accounts. 
b. I never get notice that BBT " Cash Management Online '' service has fee associated with it. 
XXXX BBT charged me total {$1100.00} for nothing! 
d. After numerous arguments with XXXX XXXX, and his manager XXXX XXXX, they agreed to refund me {$840.00} but still held my {$310.00} for no reason.