I am fed up with Wachovia taking my money. I had $144.85 left in my savings account, but when I called to recheck my balance there was only. 10 cents. I call up the Wachovia 800 number to speak to a customer service rep, and he tells me that a withdrawal was made at my local branch. I said wait a min I haven't walked into the bank to make a withdrawal in months someone stole my money. I said I also have a checking account, and there is an over draft balance of $147.25. He said hold on let me check. He came back and said the bank took my money from my saving to pay for the overdraft charges, and they can do that by law without my consent or notification. I said What? My accounts aren't even linked for that to happen, and he said it doesn't have to be.
Any bank account that has my name on it can be deducted from that point. I said well why is my checking account over drawn in the first place? He sedns me to disputes. When I get a rep in disputes, and explain what is going on she says there is nothing she can do for me. She said I can only dispute a charge from a merchant, and that's it. She transfers me back to someone in customer service. I explain myself again, and I got nothing but a run around. She explained to me that a merchant puts what I purchased on hold until they post the money for the account. I said I know that. She said you made a check purchase of $20.00, and then 14.00, both charges were on hold, and deducted from your balance.
Then she said when the merchants posted for the charges another $20.00, and 14.00 was taken out of my account to create the $70 over draft fee to my account. I said so your telling me if I have 200.00 in my account, and I make a purchase of $20, and 14.00 it's set aside and taken from my balance right? She said yes. I said well then the automated message tells me that I now have $166.00 in my account. She said yes. I said then you mean to tell me when the merchant post their charges, and take 20.00, and 14.00 again that's why I am slapped with over draft fees? Then she started to stuffer.
I am being ripped off becasuse Not only is the merchant setting aside the money in my account, but they get the money twice. I am slapped with fees when I know I have the money to cover it. How can they take money that is no longer there. Aren't they taking it out of my account putting on hold and taking the fee when they post. Why am I paying these people twice? Then they charge me a bank fee in a free checking account. All I got was a run around, and I want my money back.
I smell a rat. Then although they took the money out of my savings to pay for the overdraft in my checking, my checking account is still over drawn. Wher is my money, and now will my savings account be hit with an over draft fee because I only had $144.85 to begin with. Do you see what I'm saying. I need help because they did the same thing to my husband. Hitting him with overdraft every other day.
If you can help me please help me. Before I got off the phone I gave the rep a piece of my mind, and ended with a lawsuit
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