BB&T Financial Bank Account Or Service Complaint

BB&T Financial Bank account or service department,

Checking account Problems caused by my funds being low Texas

I have been a customer with this bank for years and for the most part I have not had any problems, until recently. I began reviewing my account statements after I received a notice that my account was over drafted over $700.00. I will be honest in saying that I have unintentionally over drafted my account in the past and have been able to bring my account in the positive within a reasonable amount of time. When I reviewed my statements, I started by reviewing the balance and charges from - until recently. I would subtract the charges shown from the balance provided on my statements. Often times when I was charged an overdraft fee, there would still be available funds in the account. I have been charged $36.00 overdraft fees for charges well under $5.00, the smallest being a $0.00. I know difference between an available balance and posted balance, still according to my research, a lot of the overdraft fees I was charged was done in error. The way BB & T explains how they process payments and the difference between an available balance and posted balance seems very deceptive. Based on the numerous complaints I have reviewed, I am not the first customer to have this problem. My account is utilized for various reasons and BB & T has put me in great financial trouble with other institutions I pay using the funds that are deposited in this account. I contacted the customer number - to resolve this, both times the line disconnected. I only decided to submit this complaint as a last resort when I checked my bank statement to find out I was charged $4.00 for contacting the customer service number in order to resolve my problem. I would like to remain a customer with this bank, but I do not agree with how I have been treated and taken advantage of.