I have an joint checking account. My other half which after I had asked him to leave for reasons neither here or there and he thus decided to overdraw my checking account by over 500 dollars. He then the next day put it back maybe he felt guilty but incurred an overdraft charge of 120 dollars.
I called wachovia and complained.
My mother was in the ER and I thought maybe I was too harsh and being overwhelmed by my mother's illness I felt guilty and asked him to come back. After the funeral he imediately started his crap again. Well I eventually asked him to leave again. He proceeded to overdraw my checking account by over 700 dollars this time eventhough my checking account is negative 120 dollars.
I called wachovia again and complained.
He continued to be allowed by wachovia to get more money out of non-wachovia atms by checking he would agree to overdraft charges.
I have been to the bank and complained that I did not do this and that they can see that it was my husband's atm card making the transactions. They said his name is on the account and he has the right to use the ATM card and they will continue to allow him to draw out money and they will continue to charge overdraft fees eventhough the account is negative. My husband knows what he is doing and knows the account does not have any money in it and is doing this out of spite.
Wachovia said I can close the account but I have to put over 1400 dollars back to close it. I did not do this and do not have that amount of cash or credit on hand to fix something that was not my fault. The bank also said I can take his name off of the account but I would have to have him come in and sign a piece of paper allowing them to do so. So after this man overdraws my checking account by 1400 dollars do you think he will be willing to come forward and sign a piece of paper for me, I THINK NOT.
I told them this is WRONG and if you write BAD CHECKS you can get ARRESTED but if you do it ELECTRONICALLY it is OK.
The sheriff department said there is nothing they can do to help me because my husband has not done anything criminally wrong.
I also called and made a complaint with the Comptroller of the Currency (OCC) and they told me to call wachovia back. Still again wachovia not offer any help but explained that when someone goes to a non-Wachovia ATM you can still get money eventhough you do not have any money in the account by accepting overdraft fees.
This is WRONG and just because I share a JOINT ACCOUNT and being MARRIED to the MAN does not make it OK.
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