Truist S Main St, Raeford

This bank is terrible. This is the only bank that constantly puts a hold on my checks from work because it’s not a check from their bank. I also signed a document for an overdraft fee saying my card should decline if I don’t have enough funds in it, which apparently means nothing. They have accepted two different charges when I didn’t have enough in my account and then charged me an overdraft fee. They refunded me one of the $30 overdraft fees but not the other. I’ve been there 4 times for it and still no refund. Closing my account with them and never going back.

My review is to warn as many as possible about an active scam in our Community and also the role that BB&T played in us falling victim to such a scheme and how they refused to take responsibility for their actions… or lack there of. My Husband has been with BB&T for 22 years. He recently encountered a problem banking with BB&T when He was misinformed and became a victim of fraud. Now BB&T is only interested in protecting themselves instead of the financial wellbeing of “valued customers”. My Husband was recently contacted by an agency, inquiring if he was interested in a potential Project Manager position opening close to us. He was contacted for a phone interview and completed 3 out of 4 weeks of a training course that was required for employment of the company. He was told he was doing so well with the course that he was given a project to procure a few supplies for the new office that was opening, that he was to be employed at. A supposed $21,000 line of credit was opened for him, thru the company, in order to make supply the purchases. They wanted him to start right away so they made the suggestion of transferring money into his credit account with BB&T for him to start the purchasing project, while waiting for a company card. We thought this kind of an odd request, so he contacted the branch of BB&T he primarily banks with to see if this was even possible to do and also contacted BB&T's fraud protection to inquire that once the money was transferred in, if there was any way for the money to be taken back out? He received a resounding "no"! No ifs, ands, buts or howevers. With this reassurance, he authorized 2, $2,500 transfers onto his credit card, made the purchase of 2 Mac Books and 2 IPhones, covered the remainder of shipping of the items to the company's programmer, and the company then authorized a 3rd transfer of $1,159 to reimburse him for the cost, out of pocket. Again he called BB&T's fraud protection to confirm that the 3rd transfer had gone thru and everything was ok? The person he spoke with, on this call, immediately told him that she thought it was a scam. She told him that it was more than likely a fake account, that the individuals behind it floated the money into the account and used the time lapse to confirm the account and the transfers, to get what they wanted out of us and ultimately, with the account being fake, the transfers would be reversed back out. Indeed, this ended up being exactly what happened. Had we been informed, with the first call to fraud protection that this was a possibility, we probably would not have gone forward with the transfers or the purchases and would have reported this company immediately! Whether it was lack of knowledge or lack of motivation to do one's job to the fullest, we were left with a false sense of security and now our family is suffering the consequences. From that first phone call to the present, no one that we have contacted has agreed to help or even inquire if there is anything that can be done on BB&T's end to help rectify the situation. They even tried to pawn it off on Visa, since they are the merchant for the card! As far as BB&T is concerned... I authorized it, I made the purchases, it is MY fault, ENTIRELY. I am happy to take responsibility for my role in this but I feel that BB&T should take some responsibility as well! I had reservations about this, even though I was assured it was ok, and I went through with it anyway, THAT is on me. The Branch I primarily do my banking with and Fraud Protection didn't do their job. They didn't do everything they could to protect me from fraud, even when specifically asked, and in THAT, I feel that some responsibility should be taken by BB&T. I hope that this has been an eye opener for the people of this and surrounding communities on the dedication of scammers and how far they will take a situation just to get you. I also hope that it shows current and/or potential BB&T/Suntrust Customers the lack of commitment this Financial Institution has in protecting their “valued Customer’s” financial future.

Linda is awesome and always willing to go above and beyond.