Wachovia Bank
Voided Doctor Visit Debit Posted Anyway to Overdrawn Account

Wachovia bank is trying to take money from its customers.
I had an overdrawn account. They took their $30 fee from account. No problem. I do not like it, but it is my fault.

I took my wife to the doctors yesterday. She mistakenly used the MAC card (ATM card) to pay for the visit. Of course, I freaked. I immediately went to the front desk and asked them to void that transaction and allow me to write a check. The girl did. She said that those Mac transactions do not post until the end of the night. So, everything should be fine.

I went home and sure enough, the transaction posted. Only the debit. Not the void.

I called the bank and the girl with whom I spoke was very nice. There is a first time for everything.
My first question to her was, why was that transaction allowed to go through if the account was overdrawn. My credit cards will not allow any transactions over my credit limit. So why does Wachovia bank allow transactions after my account is negative.
Could it be they want the $30 from me again. Of course.

She then told me that the only way to prevent that is to tell Wachovia bank that you do not want charges posted on an overdrawn account. Well thanks for telling me when I opened the damn account 5 years ago.

The next thing she told me was that I would have to call the doctors office and have them call Wachovia to get the charge taken off my account. It was so easy for them to take the cash, but I had to go through all this to get the money put back.

This is a total ripoff. People like me struggle to keep our heads above water. And large rich corporations who handle our money just keep taking from us. This is unfair.

And where the hell do they get off charging us $30.00. Do you realize that if your account is overdrawn $1, then they are charging you 3000% interest on the dollar they lent you. That is ridiculous.

If I knew how to start a website, I would start a class action suit against this bank for trying to take my money and making it so hard for us working poor to survive.

Company: Wachovia Bank
Country: USA
State: North Carolina
City: Charlotte
Address: 301 South College Street Suite 4000
Phone: 8009224684

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