Consumer complaint received 2020-09-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (SC)

I want to file a complaint against Branch Banking and Trust ; known as BB & T. I do not understand their banking procedures and feel as though I am being taken advantage of ; perhaps as a low income person ; of XXXX. I am aware that these are serious allegations but it is the way I feel. I have spoken to several customer service representatives on several occasions, regarding the matter and still the fees continue to be charged to my account. I am fully aware that I had an insurance charge of {$150.00} that drafted on XX/XX/2020 that was not supposed to be drafted, however it was. I woke up and saw that they had charged my account a fee of {$72.00} on XX/XX/2020, another fee of {$36.00} on XX/XX/2020, another fee on XX/XX/2020 of {$100.00}, another fee of {$36.00} on XX/XX/2020. When I called and spoke to someone to stop some of these fees I was told that they were validated but they are not. I was also told that an XXXX charge that came out on XX/XX/2020 for {$9.00} was one of the issues but that's also not true because I knew when that charge was immediately taken out of my account ; even though it was a pending charge, it still was taken off of the balance that I was able to use in my account. I have no way of proving their business practices, however, what I do know is that I can not be the only one that's going through this with them. I have tried several times to talk to them concerning this issue. I even told them that I needed to close my accounts with them because I could not afford all the fees that were snowballing and I have not been using my account. I had an unemployment check that was coming in on Mondays in the amount of {$110.00}. I know that  removed {$100.00} of it on XX/XX/2020 plus the {$6.00} that I had to pay for not using their ATM. They keep adding these fees without me using my account. I also opened up a business account with them. I have a Personal Checking and Savings Account them and I also have a Business Account with them. I do not have a lot of money coming in right now. I opened up these accounts on XX/XX/2020 when more was coming in. Right now my personal checking account is in the negative {$270.00}. I know they are going to continue adding fees and there is nothing I can do about it. I know for a fact that I owe them the {$150.00} from my insurance company and an overdraft fee of {$36.00} but for them to keep adding fees, because they are under the assumption that I will just lay down and take that. If I was a millionaire I still could not take this kind of disrespect and being blatantly taken advantage of ; I know I do not deserve that ; as a customer and consumer. As I mentioned before and feel that it is worth mentioning again, after I spoke with someone on XX/XX/2020 ; and told her that I needed to close these accounts ; she was very nice and professional, so no reflection on her ; but she said I could not because of the negative balance ; even after that conversation, I am still accruing overdraft fees. I am not being difficult or nasty. I am helpless and do not know what else to do. This is bad business practices in the midst of this pandemic. By the time this letter gets back to them I will probably have more fees added and I am not touching my account. Their practices are totally different from other banks and I feel like that they are definitely taking advantage of consumers in this way.