Bank Bullshit and Headaches
Dear BB&T,
I am writing to inform you that I hate you.
When you say that my available balance reflects pending transactions then I take it to mean that it reflects pending transactions. Allow me to clarify for you what the word 'pending' means. Pending, as defined by the dictionary is an adjective. It means 'about to take place.' A good synonym would be 'forthcoming' or 'imminent'. It can also be used as a preposition, meaning 'in the period before a decision' or 'while awaiting'. In short, Gentlemen, it means 'something that has not yet happened'.
So, when there is what you describe as a 'hold' on my account I take it to mean that it is a pending transaction. The way this 'hold' was described to be by your snivelling little desk girl was a transaction that may be held in the system for any number of days by the merchant. From the garbled, incoherant, and often condradictory explaination that was all she could muster, I gahter that almost all transactions that I make with the ... card you finally graced me with -after a period of nearly two months- are 'held' in this manner. Your desk cretin was unable to tell me what in fact you do consider a pending transaction to be, if not one of these 'holds'.
After numerous and repeated requests for her to show me exactly what merited this $230 'overdraft fee', she finally printed out a document showing it to me. The effort required two trips to confer with her supervisor and no small amount of poor attitude. In fact, I cannot think of one question that I asked her which she was able to answer on her own. Either the computer did it for her or she had to ask her supervisor. Now, whether or not an accredited bank sees fit to hire people with basic math skills is not a question I should feel the need to ask, however after meeting with your desk monkey I seem to already have my answer.
My on-going complaints about your service mainly concern the sheer amount of time that it took in order to get my debit card and the fact that I still do not have anything even vaguely resembling a check, despire having opened my account in JUNE.
The desk monkey WAS able to tell me one thing. I believe it was her intent to either call me on a lie or placate me. According to her the two orders of checks that you promised me would be in my hands the month before last were never ordered.
Your organization is full of incompetants and fools. Your pathetic attempts at placating me have only served to make me angrier. Come Thursday I will be opening an account with Suntrust right down the road from your local branch. Every Thursday following that until my direct deposit switches to my new financial institution I will withdraw every penny of my paycheck from the account I have with you and take it directly to them. If your customer service representatives have something that even resembles the brains God gave small rocks then they will not speak to me when I arrive beyond 'yes ma'am' and 'right away, ma'am.' If they are as evolved as a single celled organism then they will not even look me in the eye.
In closing, you may be assured that come the fateful day when I close my account and shake the dust from my heels at your threshold that I will never darken your door step again. I will not use a BB&T ATM. I will not park in your parking lot. I will not attend a function that you have sponsored, assuming that you would even do such a thing. I would not stand under the awning of a BB&T to get out of the rain.
If you were on fire I would not piss on you to put out the flames.
No Love,
Me
I am writing to inform you that I hate you.
When you say that my available balance reflects pending transactions then I take it to mean that it reflects pending transactions. Allow me to clarify for you what the word 'pending' means. Pending, as defined by the dictionary is an adjective. It means 'about to take place.' A good synonym would be 'forthcoming' or 'imminent'. It can also be used as a preposition, meaning 'in the period before a decision' or 'while awaiting'. In short, Gentlemen, it means 'something that has not yet happened'.
So, when there is what you describe as a 'hold' on my account I take it to mean that it is a pending transaction. The way this 'hold' was described to be by your snivelling little desk girl was a transaction that may be held in the system for any number of days by the merchant. From the garbled, incoherant, and often condradictory explaination that was all she could muster, I gahter that almost all transactions that I make with the ... card you finally graced me with -after a period of nearly two months- are 'held' in this manner. Your desk cretin was unable to tell me what in fact you do consider a pending transaction to be, if not one of these 'holds'.
After numerous and repeated requests for her to show me exactly what merited this $230 'overdraft fee', she finally printed out a document showing it to me. The effort required two trips to confer with her supervisor and no small amount of poor attitude. In fact, I cannot think of one question that I asked her which she was able to answer on her own. Either the computer did it for her or she had to ask her supervisor. Now, whether or not an accredited bank sees fit to hire people with basic math skills is not a question I should feel the need to ask, however after meeting with your desk monkey I seem to already have my answer.
My on-going complaints about your service mainly concern the sheer amount of time that it took in order to get my debit card and the fact that I still do not have anything even vaguely resembling a check, despire having opened my account in JUNE.
The desk monkey WAS able to tell me one thing. I believe it was her intent to either call me on a lie or placate me. According to her the two orders of checks that you promised me would be in my hands the month before last were never ordered.
Your organization is full of incompetants and fools. Your pathetic attempts at placating me have only served to make me angrier. Come Thursday I will be opening an account with Suntrust right down the road from your local branch. Every Thursday following that until my direct deposit switches to my new financial institution I will withdraw every penny of my paycheck from the account I have with you and take it directly to them. If your customer service representatives have something that even resembles the brains God gave small rocks then they will not speak to me when I arrive beyond 'yes ma'am' and 'right away, ma'am.' If they are as evolved as a single celled organism then they will not even look me in the eye.
In closing, you may be assured that come the fateful day when I close my account and shake the dust from my heels at your threshold that I will never darken your door step again. I will not use a BB&T ATM. I will not park in your parking lot. I will not attend a function that you have sponsored, assuming that you would even do such a thing. I would not stand under the awning of a BB&T to get out of the rain.
If you were on fire I would not piss on you to put out the flames.
No Love,
Me