I have XXXX bank accounts with BB & T, neither are used as overdraft protection for the other because I preemptively " opted out '' for both accounts with the understanding that BB & T would decline all transactions if/when my accounts have insufficient funds. On XXXX XXXX, 2016 BB & T transferred {$140.00} out of XXXX of my bank accounts without my permission. The {$140.00} was apparently taken to pay off a {$5.00} service fee and {$140.00} of overdraft fees amassed from {$45.00} being pulled from my account as result of XXXX 's default settings. Again, my understanding of the " opt-out '' option was that the bank would decline all transactions if funds were not available. Nonetheless, I have made a voluntary payment of {$45.00} within the last 30 days, but the forced transfer of {$140.00} on XXXX XXXX was done without my permission and to my detriment as I have other, more pressing expenses to handle right now. 
