Opinion ID: 4514020
Heading Depth: 2
Heading Rank: 1

Heading: The Withdrawals

Text: When the unauthorized withdrawals from the Commercial Account began, National held the money. Binns first noticed an unauthorized transaction in his January 2013 statement. So Binns reached out to National saying he didn’t recognize the payment. National explained it could simply be a check converted into an electronic withdrawal. Binns suspected otherwise, but dropped the matter. Four years later, with the account now held by BB&T, he placed a call to the bank asking about another unfamiliar payment. BB&T asked for additional information, and Binns said he would call back. He never did. But later that year, a BB&T employee advised Binns that his daughter had visited the bank to make several withdrawals from Binns’s Personal Account. Now, Binns set about reconciling his Commercial Account statements and discovered questionable withdrawals. At BB&T’s request, Binns submitted various affidavits, beginning on February 10, 2017, which listed several unauthorized transactions dating to 2016. BB&T refunded all but one. And, critically, Binns acknowledges his affidavits were the first written notice of unauthorized transactions he submitted to either National or BB&T.