BB&T Financial Prepaid Card Complaint

BB&T Financial Prepaid card department,

Gift or merchant card Nevada

I received a gift card in -/-/2011 and went to use it and found out that I was charged $3.00 per month repeatedly due to non-activity. I have researched this and found out that my state ( NV ) does not allow a fee higher than $1.00 per month. When I called the company to ask about it they said that the federal law trumps state law, which to my understanding is not true when the state law provides more consumer protection then federal law. Please advise whether or not this is true because I feel they are fraudulently charging NV consumers thousands or more dollars per month. They claim it is legal because federal law says they can but - says they ca n't.