Wachovia
Ripoff

Well folks Wachovia Strikes again! On Tuesday 10/11/05 I went to an ATM and withdrew 40.00 I received my receipt back and it showed 91.00 available. I proceeded to do my grocery shopping which came up to 73.00.in an ideal world I should have had 18.00 left in my account right? WRONG! I checked my account online on Wednesday 10/12/05 and it showed that I was charged 120.00 in overdraft fees. How exactly is that possible? I called customer service and waited 20 minutes while the customer service representative tried to figure out what happened. While she was doing her magic bank math formulas, she explained to me that online customer service, the IVR, and the ATM's are not accurate, and that each can be showing a different balance. So, I ask her, how can a customer know what their balance is when they need to withdraw money. She stated that the only way to know for sure is by writing down every transaction that you complete.???

So in what is the point in all of these great-automated systems, if that is the case I can just cash my check and be my own little bank. Apparently she thought that was funny although I didn't. Ultimately she said even though it was my fault and I should have been writing down my charges and not relying on the bank to know my balance (?) she would as a "courtesy" waive 2 of the charges. Because I have no understanding of "magic bank math" and because I have been dealing with this for 5 years I just said fine, and thank you and disconnect my call. Well I get paid direct deposit on Friday 10/14/05, check my account, and to my shock and dismay I have been charged an additional 90.00 in overdraft fees. All of the same charges that were on my account when I spoke to the first representative were still on the account. I had not spent any more money. What happened?

So once again I call Wachovia and speak with a representative. She was very nice and explained to me that on their side it was not showing that those charges were on the online account just two days before. I asked to speak to a supervisor and after holding for 10 minutes, Angie Steel, who claimed to be the AVP (Assistant Vice President) of the call center came and just repeated what the previous rep had already said. She said because of the 'relationship' that the bank has with my account, I was not worth a credit for the NSF fees. At this point I am willing to take legal action against the bank.in the five years I have been with them they have lost my money, charged me fees when the money was there, closed my account and refused to open it when my entire payroll check has been direct deposited. I think its time for a divorce and I want half. FYI their legal address is Legal Order Processing PA 4292 PO BOX 8667 Philadelphia PA 19010.

Company: Wachovia
Country: USA
State: North Carolina
City: Greensboro
Site: wachovia.com

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