About one year ago I opened a checking account at Wachovia Bank to use for my internet related purchases.
Before opening the account I specified that I did not want overdrafts paid. That the account was for internet transactions and that if I made a purchase with my debit card I would make sure the money was in the account. If the money is not there don't pay it! My intention was to stop corrupt internet sites from charging for things I did not order. To not have to go thru hell with credit card companies to get rufunds. Wachovias policies created a larger nightmare!
(All $ amounts are close estimates) I cancelled a video hosting account that had two monthly payments for different services. I owed ebay $2.60 and another company $20 and had about $30 in the account to cover the charges.
The video hosting company charged my account $60 and $40. Wachovia paid both and charged me $62. Then before I received notification in postal mail about them paying the hosting company the ebay and other company charges came in. They paid ebay $2.60 and the other company $20 and charged me another $62.
I contacted the video hosting company and they refunded the charges the next day. The bank promptly took the money. I went to the bank and raised hell! Soon after a company charged me $60. I did not owe this company. I did not authorize the payment and there was not enough money to cover the charge. Wachovia paid the charges and charged me another $31. I went to the bank and raised hell again. It's their money they are giving away not mine! I left and never heard from the bank again until I moved to Florida.
I went to open a bank account and could not! Wachovia put me on check systems. If you are on check systems you can not open a bank account. I have only the money in my pocket and Bank checks. I can not cash the checks as I have no account.
When I contacted three different departments of wachovia, including their collections department and was told I owed $300. They would not show how 20 some dollars now amounts to $300. The numbers just don't add up!
I was never notified by Wachovia or the collection agency they hired to collect. A Wachovia representative said I was never contacted because they did not know my address. I lived at the address on the account up until a week ago. The incidents I explained happened almost a year ago!
Now I'm totally screwed! I'm not paying them extortion money! The did exactly the opposite of what I asked be done and was told would be done and are now holding me hostage to pay them $300. Pay or do without a bank account at any bank.
Can anyone point me to the Federal Law that allows this conduct? It must be a Federal Law as you can not open an account at any US bank.
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