Branch Banking and Trust Company (BB&T) Continues to Offend!

So my BB&T balance is STILL negative!  (-$12.00)

They charged me my monthly service fee for the month of October 2016.  For all of the disservice that I have been given this month, I think the $12.00 service fee is a disgrace.

Furthermore, I was told that the fees that were returned to me on 10/21/2016 were a "courtesy" since I called in and appeared in person on 10/17/2016 and asked for credits. My call on 10/17/2016 was to complain about not receiving adequate notice of the levy that was placed on my account.  The representative stated that the State was also to notify me.  I asked why would the State notify me, then she noticed that the levy was not for taxation from the State nor the Feds.  It was "just a levy from the Sheriff's Office."  I asked the branch banker in person for credits, and I was denied.  Then they deposited "$125.00" to cover the non-refundable levy fee and gave me credits for the returned check fees on 10/21/2016.  They also charged their monthly service fee of $12.00. 

 I had my account for 15 years with BB&T, and I sincerely can not tell that the 15 years mean anything to them.

• I explained how this levy took my mortgage money, and the branch banker explains to me how I should have been paying my debts.
• I explained how this levy felt like I was a victim of loan sharking, and the branch banker explains to me that no one has threatened to do any physical injury.
• I explained that I would like the police called so that someone could talk to the Sheriff office about the status of my money, and the branch banker explains to me that I was being selfish and inconsiderate of others because calling the police would result in shutting the bank down and they would lose business.  Why inconvenience others because my account is messed up?

Furthermore, "please feel free to sit in the lobby if you don't have any more questions."

So BB&T takes little to no responsible in destroying my business account and could care less about my 15 years as a member.

Without the Consumer Finance Protection Bureau breathing down their throats, I would have never gotten the credits that  they did give me. So as of 2016, NO, I CAN NOT TELL that BB&T wants my business!!!!  The a$$Hole banker: 

Photo uploaded 5/2018 in order to keep accurate accountability.

Georgia Racketeering Reaches North Carolina

Photo credit:  www.mastegg.com

To the Georgia clowns that orchestrated the heist on my business banking account, I was anticipating some backlash, but you all became overachievers!  Too bad you failed to use your law degrees to actually practice "good" and "ethical" law.

Actually, your racketeering skills are getting so good that Coastal Federal Credit Union and BB&T Bank are probably just figuring out that they got played.

• Why would BB&T jeopardize a 15 year old business account relationship to collect $2000.00 for a "credit card debt" from another "bank?"
• What ethical judge would even sign off on the "writ of execution" on a business account? 
• Why would Coastal Federal Credit Union open up a window of scrutiny surrounding legalized loan sharking while barely collecting 5% of the total levy?

It would have been smarter for Coastal Federal Credit Union to hit four $500.00 personal accounts than to hit one $2000.00 business account.

In addition, why would anyone attempt to to halt business operations when they still need the business owner to pay them back?

The bank levy/writ of execution was always personal; never business.

The flags were waving to both Coastal Federal Credit Union and to Branch Banking and Trust Company before the levy money was seized.

Clearly, most bank levies are not solely from the sheriff's office like the one that was used to heist my account.  The FBI should start with the judge that signed off on the writ.  I am quite sure that all trails lead to Georgia.

Coastal Federal Credit Union took my mortgage money from BB&T Bank!

• Are Financial institutions now Legalized "Loan sharks?"
• Are credit cards a trap?
• Are unsecured credit cards really unsecured? 
• Is your money really under your control in a bank or a credit union?
• Is there a code of ethics associated with the banks and credit unions' debt collection process?
• Isn't it easier for banks and credit unions to maintain "fake accounts" versus retain "real accounts?"

Legalized "Loan Shark" Coastal Federal Credit Union instructed the sheriff to:

" . . .  do hereby levy upon Any and all accounts and or assets found at your institution up to, but not to exceed $44,171.01."

Principal: $20,921.23

Interest:  $18,252.06

Court Cost: $ 3,908.18

Other Cost: $ 1029.54

Total DUE:  $44,171.01

Nine years of compounding interest and fees can really add up 

on an unsecured CREDIT CARD in default!

So Coastal Federal Credit Union attorneys "coincidently" levies on my business banking account at the beginining of the month just before my mortgage check is scheduled to clear. BB&T Bank repeatedly returns the mortgage check even though my posted balance is high enough to clear the mortgage.

Notice that the Administrative Hold is for $44,296.01?  Well, BB&T Bank charges $125.00 to extort me out of all of my money. So $44,171.01 + $125.00 = $44,296.01

I have been an accountholder with Branch Banking and Trust Company (BB&T) Bank for over a decade. I would have appreciated a phone call or at least, received a notice in my online banking inbox about the levy against my account.

However, as you can see, BB&T did NOT attempt to personally notify me through my online banking inbox of the Coastal Federal Credit Union's levy against my business banking account. My last inbox message from BB and T Bank was from March 2016.

Actually, BB&T Bank just casually dropped me a letter in the US Postal Mail.  It was NOT certified, and it was delayed in arriving to me.

The Branch Banking and Trust Company letter essentially says that

• We are taking all your money out of your account.
• We are taking all additional deposits that you make to your account.
• We are charging you a non-refundable fee of $125.00 onto your account
• and call us if we can be of further assistance!

With this kind of customer service surrounding "real accounts," I hope that BB&T doesn't have any "fake accounts."

So what type of customer was I?  My business account was very dynamic.  It had its "highs and lows."

For instance, I was two cents ($.02) SHORT, and BB&T charged me a $36.00 overdraft fee.  I did not even complain.  I did not even ask for a credit nor refund.

Notice my posted balance is negative $36.02?  I was two cents short plus short their $36.00 overdraft fee for a total of -$36.02.  This is how BB&T bank does business.

Also, notice my posted balance on 10/7/2016 was $1,989.35 while my posted balance on 10/5/2016 was $1,474.35. So again, my business account was revolving with deposits and withdraws.

So now, my account has been levied for $2,114.35 which is MORE than my posted balance.

And my new BB&T account balance is still in the negative.  -$197.00 

Well, that's better than the -$42K!!!

Is this all legal?  I am asking the Consumer Finance Protection Bureau (CFPB) and the National Credit Union Administration  (NCUA) each this very question.

These "loan sharks" ( I mean) bank and credit union seem to be more ruthless the Internal Revenue Service (IRS).  At least, the IRS never takes one's last dime.  They leave a little money for people to live with. Why don't banks and credit unions follow the same courtesy or rules?