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I'm currently focusing on BBT to buy. My thesis is that it may not be as flashy as BAC or C (BAC offered me $120 in cash just to set up a checking and savings account, for example), but that their reputation as a community bank and specific strengths with such things as small-business offerings give them a local, competitive advantage.

How is this thesis?

As per the title of my message, as a relative newbie to stock investing, I wonder ... how seriously should one take individual complaints of customers against the company in question? Or over 70 complaints? In my research of BBT, I turned up this weblink:

Are these isolated incidents? I mean, a company as bit as BBT is bound to have isolated incidents. By the way, C has 98 and BAC 484 complaints on the same site.

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