My child support was direct deposited from a state which uses an wachovia account to send payments. I watch my account very closely, and they had a direct deposit showing in processing for three days.
I called customer service and was told there was not a hold on the direct deposit and that the money was available. I went grocery shopping and paid a few bills under 140.00 I had a balance of 347.00 to start with. I then had out 4 other transactions all under 25. Oo all together.
On the fourth day they charged me 140.00 uncollected funds fees (remember I called and ask and was told this money was available to me) this amount overdrue my account. Then I was charged and a NSF fee for the amount of the overdrawn fee. Next they bounced the other four transaction so their an additional 140.00.
Of course I called relayed what I had been told, that the money was available without a hold and it was still processing within Wachovia's system. I was then told by a customer service rep that I needed to learn how to balance my account and the overdraft was my fault.
Now available to me is available, not sort of available. So how was this my fault? Of course they refused to give my money back.
Now I did mention this was my child support. Due to the fact that this bank truly stole my money which was suppose to be for my five children and then more than 2/3 of their payment we had like no food for about almost two weeks.
I had to pay the other four merchants another 140.00 35.00 each in their return check fees for the 4 items totally right under 25.00 all together, with the rest of the remaining next child support check.
And right now our natural gas is off which was only 69.74, half of one of the 140.00 fees, which was in my book stolen from me because I had to cancel my automatic payment to make sure they didn't get anothert NSF fee out of me while they had my account overdrawn with 315.00 worth of uncollected and NSF fees.
So for the running total after 465 total worth of fees from Wachovia including the amount of the merchants return check fees, and now I have reports with telcheck and checksystems for returned checks and let me not forget to mention a 500.00 deposit required to get our gas turned back on.
You bankers must realize you're playing with people's lives and well being, just for an extra buck. I could see if I had been just writing checks without any regard to whether or not I could pay them, however I was balancing my checkbook and Wachovia stole it from me.
Wachovia's customer service department truly just lied. Available is available if you can charge uncollected fees while it is processing then the direct deposit is not available.
Further more direct deposit from a commercial Wachovia Account to a personal Wachovia account can not take five business in this age of technology to process (you also should count the two days they have for a prenote before the direct deposit is deposited in your account). As far as I am concerned Wachovia's policies are legal means to steal from it's customers.
Do not use this bank
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