Consumer complaint received 2015-04-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION (WV)

I opened a business account with BB & T XX/XX/XXXX I did not realize until it was time for me to turn my bank statements over to an accountant in XX/XX/XXXX, that I had no check images for checks written on this account, only the amount debited. Nor, did I realize that I needed to request this service upon opening the account. My previous bank had always supplied check images with statements. I called the bank to enquire how I could obtain these, and I was told there would be a fee of {$2.00} per page. I said, " That would be fine ''. I also asked for it to be set up ( for another fee as well ) so that I could receive the monthly statements with the check images for future statements. Approximately 49 days later a {$1200.00} fee was debited from my account. I called the bank to inquire about this fee. I spoke with the branch manager and she did n't know why. She said she would have to make some calls and get back with me. She called me back a few hours later to report that it had something to do with the check images that I had requested the previous month and that another employee was working to resolve the issue and get back with me. No one called back that day, so I waited till the next day and checked my account. Nothing had been credited back to it. I called the bank again and was informed that the charges, in their opinion, were legit and that {$5.00} is what BB & T charges per page ( aka per check image ), but that corporate was willing to reduce the fee to {$2.00} a page and they credited my account for {$720.00} thus leaving the check copy charges at {$480.00}. This is outrageous! My XXXX complaint is : Upon opening a business account, the option should be presented to the person opening the account that they may want to set their statements up ( for a monthly fee, of course ) with check imaging as most businesses will more than likely need this for accounting purposes. This was never offered to me, obviously, or I would have set it up with that feature. Secondly, the $ 2.00/ {$5.00} per a page fee is n't really $ 2.00/ {$5.00} a page, when in fact ; there is only " XXXX '' check image per a page. This is very misleading. Bank statements generally have up to XXXX check images per a page, XXXX including the back side. This, I believe, would be a normal assumption to assume that more than XXXX check image would be on a page. I was not informed of this or given the option to decline the exorbitant fees. ( I actually did n't even get XXXX pages because they used the back of the paper to print on so they got by with only using XXXX pieces of paper and charged me {$480.00} ) When I could n't find any resolve with the local branch, I called customer service, and they could n't offer any help either. 
Also would like to note, this banking institution puts an overdraft protection on business accounts in the amount {$200.00}. As a business, I rarely write a check for less than this amount. If a check is presented for payment and the funds are not available, not only are you charged a return check fee of {$36.00} but you also charged an additional overdraft fee of {$36.00}. The infraction for a single check with insufficient funds will in reality cost {$72.00}, not the {$36.00} customary to other banks. This double dipping for XXXX check hardly seems legal. For the record, my account is in good standing.